We are committed to protecting your privacy.

 

This Privacy Notice explains what Personal Information we, Loan Analytics, LLC “Loan Analytics”, part of MMCG holding), collects about you, what we use it for, who we share it with and how we protect it. It also sets out your rights and who you can contact for more information or queries.

When used in this Privacy Notice, “we”, “us” and “our” refer to Loan Analytics. In this Privacy Notice, information about you, which may be referred to as personal data in some jurisdictions, is referred to as “Personal Information”. Personal Information refers to information that identifies, relates to, describes, is capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular individual.

We may also sometimes collectively refer to handling, collecting, protecting, and storing your Personal Information as “processing” such Personal Information.

 

 

We may collect and process your data because:

i.  you give it to us (for example, (1) through the webpages of this website or any other website or application of Loan Analytics which links to this Privacy Notice (collectively referred to as the “Website”), or (2) through any other mode of interacting with you relating to Loan Analytics communications, such as online or offline newsletters and magazines, that reference this Privacy Notice or link thereto (“Communication”));

 

ii.  other people give it to us (for example, other entities of the Loan Analytic or third- party service providers that we use to help operate our business); or

iii.  it is publicly available.

 

When other entities of the Loan Analytics or other third-parties give us Personal Information about you, we make sure they have complied with the relevant privacy laws and regulations. This may include, for example, that it has informed you of the processing, and has obtained any applicable and necessary permission for us to process that information as described in this Privacy Notice.

 

Log information, cookies and web beacons: We may process Personal Information from you when you interact with the Website or Communications. For example, we or our service provider(s) may also use cookies (small text files stored in a user's browser) or web beacons (electronic images that allow us to count users who have accessed particular content and to access certain cookies) to collect aggregate data. Where applicable, additional information on how we may use cookies and other tracking technologies, and how you can control these, can be found in the Cookie Notice on the applicable Website. 

 

The Personal Information we process may include your: name; current job title; company name; (professional) e-mail address, country of residence, telephone and fax number(s), physical address(es); business & industry interests; gender; date of birth; marital status; employment and education details (such as learning history, work experience and skills); CV; geolocation; certificate or license number; account number; photograph, video or audio recording identifiable to an individual; your postings on any blogs, forums, wikis and any other social media applications that we provide; your IP address; your browser type and language; your access times; complaint details; correspondence with you; the newsletters you subscribe to; information relevant for entities of the Loan Analytics or MMCG entity to provide services to you; details of how you use our products or services,  details of how you like to interact with us, and other similar information relevant to our relationship, information we collect when you access our premises; and any other information that you voluntarily provide to us. We may also collect or obtain Personal Information from you because of the way you interact with us or others.

 

Where we do not usually seek to collect ‘sensitive’ or ‘special categories’ of Personal Information (e.g., data relating to race or ethnic origin, religious or philosophical beliefs, trade union membership, political opinions, medical or health conditions, or information specifying the sex life or sexual orientation of an individual), the Personal Information we collect may include so called ‘sensitive’ or ‘special categories’ of Personal Information, such as details about your:

•    dietary requirements (for example, when we would like to provide you with lunch during a meeting);

•    health (for example, so that we can make it easy for you to access our buildings, events).

We will only process these special categories of Personal Information when we are required to do so as a result of legal requirements imposed on us or after obtaining your explicit consent.

 

If you choose not to provide, or – where applicable - object to us processing the information we collect (see section “Your rights” below), we may not be able to process your instructions or provide you tailored communication, service, or assistance.

 

We understand the importance of protecting children's privacy. Our Website is not designed for, or intentionally targeted at, children. It is not our policy to intentionally collect or store information about children.

 

Use of Personal Information for our Website

We may use your Personal Information for the purposes of, or in connection with:

•    verifying your identity when you log in to a Website;

•    managing and/or improve our Website;

•    managing and promoting collaboration and communication;

•    providing and documenting training and qualifications;

•    tailoring the content of our Website to provide you with a more personalized experience; 

•    managing our relationship with you and responding to any request you submit through our Website; 

•    drawing your attention to information about products and services that may be of interest to you;

•    conducting data analysis including, for example, regarding usage of the Website and demographics analyses of Website users;

•    preventing fraud or criminal activity and safeguarding our technology systems and data security;

•    monitoring and enforcing compliance with applicable terms of use, and that only authorized parties are accessing the Website.

•    applicable legal or regulatory requirements;

•    requests and communications from competent authorities;

•    relationship management, which may involve: (i) sending you thought leadership or details of products and services provided by entities within the Loan Analytics that may be of interest to you; (ii) contacting you to receive feedback on these services; and (iii) contacting you for other market or research purposes; 

•    inviting you to attend events, seminars, participate in forums, etc.;

•    surveys on Loan Analytics or business or societal related or relevant topics;

•    recruitment and business development;

•    investigating or preventing security incidents;

•    conducting and analyzing our marketing activities;

•    protecting our rights and/or those of other entities of the Loan Analytics or MMCG.

 

We are required by law to set out in this Privacy Notice the legal grounds on which we rely in order to process your Personal Information. We rely on one or more of the following lawful grounds when we use your Personal Information for the purposes outlined above:

•    the processing is necessary for compliance with a legal obligation we have such as keeping records or providing information to a public body or law enforcement agency;

•    the processing is necessary for the purposes of a legitimate interest pursued by us or a third party (and are not outweighed by your privacy interests), such as the effective delivery of our Website and related services offered to you; the effective and lawful operation of our Website or Communications; to prevent fraud or criminal activity or to safeguard our technology systems and/or data security; to support or protect our business interests; to ensure that complaints are investigated; to evaluate, develop or improve our services or products; or

•    you have consented to us processing your information for a specific reason, consent that you can always withdraw.

•    

To the extent that we process any sensitive Personal Information relating to you for any of the purposes outlined above, we will do so because either: (i) you have given us your explicit consent to process that data; (ii) we are required by law to process that data, (iii) the processing is necessary for the establishment, exercise or defense of legal claims or (iv) you have made the data manifestly public.

Please note that in certain circumstances it may be still lawful for us to continue processing your information for separate purposes even where you have withdrawn your consent, if one of the other legal bases described above is applicable.

 

In connection with one or more of the purposes outlined in the “Information use” section above, we may disclose details about you to: other members of the Loan Analytics for legitimate business-related purposes; third parties that provide services to us and/or the Loan Analytics; as part of a corporate transaction (such as a sale, divestiture, reorganization, merger or acquisition); competent authorities (including courts and authorities regulating us or another member of the Loan Analytics) and other third parties that reasonably require access to Personal Information relating to you for one or more of the purposes outlined in the “Information use” section above.

We may also need to disclose your Personal Information if required to do so by law, by a regulator or during legal proceedings.

Please note that some of the recipients of your Personal Information referenced above may be based in countries without data protection laws similar to those in the UK or in effect in your area of residence. In such cases, we will ensure that you consented to the transfer or that there are adequate safeguards in place to protect your Personal Information that comply with our legal obligations. 

 

Further details of the transfers described above, and the adequate safeguards used by us in respect of such transfers, are available from us. For such information, please contact us by using the “Contact information” section below.

 

We may share non-personal, de-identified and aggregated information with third parties for several purposes, including data analytics, research, submissions, thought leadership and promotional purposes.

 

We use a range of physical, electronic and managerial measures to keep your Personal Information secure, accurate and up to date. These measures include:

•    education and training to relevant staff so they are aware of our privacy obligations when handling Personal Information;

•    administrative and technical controls to restrict access to Personal Information on a ‘need to know’ basis;

•    technological security measures, including fire walls, encryption and anti-virus software; and

•    physical security measures, such as staff security passes to access our premises.

 

Although we use appropriate security measures once we have received your Personal Information, the transmission of data over the internet (including by e-mail) is never completely secure. We endeavor to protect Personal Information, but we cannot guarantee the security of data transmitted to us or by us over the internet.

 

To exercise your rights or if you have any questions concerning your privacy while using the Website, please contact info@analytics.loan