Privacy

The purpose of this Privacy Policy is to describe how Creditinfo Group hf. (“We”) collects, uses and shares information about you through our site. “Creditinfo Academy” is operated by We are committed to protecting and respecting your privacy. This Privacy Policy (together with our terms of use and any other documents referred to on it) sets out the basis on which any personal data we collect from you, or that you provide to us, will be processed by us. Please read the following carefully to understand our views and practices regarding your personal data and how we will treat it. For the purpose of the Act no. 77/2000 on the Protection of Privacy as regards the Processing of Personal Data of May 10, 2000 (the Act), the data controller is Creditinfo Group hf., Höfðabakki 9, 110 Reykjavík, Iceland.

INFORMATION WE MAY COLLECT FROM YOU

We may collect and process the following data about you:

  • Information that you provide by filling in forms on our site – www.creditinfoacademy.com (our site). This includes information provided at the time of registering to use our site, subscribing to our service, posting material, participating in reminder services or requesting further services. We may also ask you for information when you report a problem with our site.
  • If you contact us, we may keep a record of that correspondence.
  • Details of your visits to our site including, but not limited to, traffic data, location data, weblogs and other communication data.
  • If you participate in an online survey or questionnaire, any information you provide will also be maintained.

IP ADDRESSES

We may collect information about your computer, including where available your IP address, operating system and browser type, for system administration. This is statistical data about our users’ browsing actions and patterns, and does not identify any individual.

WHERE WE STORE YOUR PERSONAL DATA

The data that we collect from you may be transferred to, and stored at, a destination outside the European Economic Area (“EEA”). It may also be processed by staff operating outside the EEA who work for us or for one of our suppliers. Such staff maybe engaged in, among other things, the provision of support services. By submitting your personal data, you agree to this transfer, storing or processing in accordance with this Privacy Policy and as permitted or required by law. We will take all steps reasonably necessary to ensure that your data is treated securely and in accordance with this Privacy Policy.

Where we have given you (or where you have chosen) a password which enables you to access certain parts of our site, you are responsible for keeping this password confidential. We ask you not to share a password with anyone.

Unfortunately, the transmission of information via the internet is not completely secure. Although we take protection of your personal data very seriously, we cannot guarantee the security of your data transmitted to our site; any transmission is at your own risk. Once we have received your information, we will use strict procedures and security features to try to prevent unauthorized access.

USES MADE OF THE INFORMATION

We use information held about you in the following ways:

  • To ensure that content from our site is presented in the most effective manner for you and for your computer.
  • To provide you with information, products or services that you request from us or which we feel may interest you, where you have consented to be contacted for such purposes.
  • To allow you to participate in interactive features of our service, when you choose to do so.
  • To notify you about changes to our service.

Third Party Disclosure

We do not sell, trade, or otherwise transfer to outside parties your personally identifiable information unless we provide you with advance notice. This does not include website hosting partners and other parties who assist us in operating our website, conducting our business, or servicing you, so long as those parties agree to keep this information confidential. We may also release your information when we believe release is appropriate to comply with the law, enforce our site policies, or protect ours or others’ rights, property, or safety.

However, non-personally identifiable visitor information may be provided to other parties for marketing, advertising, or other uses.

Third party links

Occasionally, at our discretion, we may include or offer third party products or services on our website. These third party sites have separate and independent privacy policies. We therefore have no responsibility or liability for the content and activities of these linked sites. Nonetheless, we seek to protect the integrity of our site and welcome any feedback about these sites.

Google Analytics

This website uses Google Analytics to help analyze how visitors use our site. Google Analytics uses “cookies”, which are small text files placed on your computer, to collect standard internet log information and visitor behavior information in an anonymous form. Note the deliberate emphasis of anonymous, as no personally identifiable information is collected about you unless you explicitly submit that information on this website.

The anonymous information generated by Google Analytics cookies about your use of our site is transmitted to Google – not us. This information is processed to compile statistical reports on website activity for our site only. We use these reports to evaluate aggregate visitor usage so that we can optimize the content, and its marketing, to better meet your needs.

For further information about how Google Analytics uses cookies and IP address data, see: http://www.google.com/intl/en/analytics/privacyoverview.html.

DISCLOSURE OF YOUR INFORMATION

We may disclose your personal information to any member of our group, which means our subsidiaries, our holding company and its other subsidiaries.

We may disclose your personal information to third parties:

  • In the event that we sell or buy any business or assets, in which case we may disclose your personal data to the prospective seller or buyer of such business or assets.
  • If Creditinfo Group hf. or substantially all of its assets are acquired by a third party, in which case personal data held by it about its customers will be one of the transferred assets.
  • If we are under a duty to disclose or share your personal data in order to comply with any legal obligation, or in order to enforce or apply our terms of use and other agreements.

YOUR RIGHTS

You have the right to ask us not to process your personal data for marketing purposes. We will usually inform you (before collecting your data) if we intend to use your data for such purposes or if we intend to disclose your information to any third party for such purposes. You can exercise your right to prevent such processing by checking certain boxes on the forms we use to collect your data. You can also exercise the right at any time by contacting us at Creditinfo Group hf., Höfðabakki 9, 110 Reykjavík, Iceland or by email at privacy@creditinfo.com.

Our site may, from time to time, contain links to and from the websites of our partner networks, advertisers and affiliates. If you follow a link to any of these websites, please note that these websites have their own privacy policies and that we do not accept any responsibility or liability for these policies. Please check these policies before you submit any personal data to these websites.

ACCESS TO INFORMATION

The Act gives you the right to access information held about you. Your right of access can be exercised in accordance with the Act.

CHANGES TO OUR PRIVACY POLICY

Any changes we may make to our Privacy Policy in the future will be posted on this page and, where appropriate, notified to you by email.

CONTACT

Questions, comments and requests regarding this Privacy Policy are welcomed and should be addressed to Creditinfo Group hf., Höfðabakki 9, 110 Reykjavík, Iceland or by email at marketing@creditinfo.com.

 

Effective as of October 3, 2016.