Privacy Policy - California

This California Privacy Policy provides information for California residents about our processing of information in association with their use of or interactions with a website, mobile application or other digital service (each a “Digital Service”) operated or owned by the Fitch Group, Inc. or its affiliates or subsidiaries, listed here (“we”, “us”, “our” or “Fitch”) Please review our full Privacy Policy  for additional information.

What Information We Obtain

• Identifiers (e.g., your name, email address, phone number, login credentials, and device or network identifiers).

• Demographic and interests’ information (e.g., region, industry sector, preferred language, topics of interest).

• Payment information for purchases made through the Digital Services (e.g., payment card number, expiration date and billing information). This information is used for the limited purposes of processing your transaction, providing you with the Materials and to protect our rights or the rights of others.

• Information you choose to share with us (e.g., when you submit an inquiry through an online form on a Digital Service).

• Transactional and online activity information (e.g., requests, searches or orders, interactions with the Digital Services and emails, cookie information, clickstream data, and information about the devices and systems you use to access the Digital Services).

• Professional information, such as your employer, job title, and work history.

• Call recordings when you contact us.

• Training information. If you apply for a course administered by Fitch Learning, we may request further details from you. This information is used for purposes of assessing your qualification for the course and may include:

  • Educational background and work experience.

  • Date of birth.

  • Information provided by you in your personal statement and other information you choose to share with us in support of your application for the course.

How We Use Information We Obtain

• To process your requests and provide you with the Digital Services, including to customize and improve the Digital Services or Materials and provide recommendations.

• To learn about users of the Digital Services and Materials and analyse how you and others interact with and respond to the Digital Services.

• To communicate with you, including to send you marketing and promotional communications.

• For our advertising and marketing purposes, including advertising based on your activities over time and across various websites and digital platforms.

• To comply with law and applicable policies.

• To respond to legal, court, or regulatory requests for information.

• To protect our rights and the rights of others.

We do not use or disclose personal information deemed sensitive for purposes other than those specified under the California Consumer Privacy Act.

We disclose the types of information listed below for valuable consideration (aka “sales”) and for targeted advertising (aka “shares”) to business partners and companies that support our targeted advertising and marketing efforts.

• Identifiers;

• Demographic and interest’s information; and

• Online activity information.

You can opt out of such disclosures by clicking: Do Not Sell Or Share My Personal Information.

We do not knowingly sell or share sensitive personal information or personal information associated with children under 16 years of age.

Retention of Personal Information

We will keep your personal information for as long as we have a relationship with you. Once our relationship with you has come to an end, we will retain your personal information for a period of time that enables us to:

• Maintain business records for analysis, understanding market trends, for audit purposes, and to improve our Digital Services.

• Comply with record retention requirements under applicable laws or other relevant legal or regulatory requirements.

• Defend, establish, exercise, or bring any existing or potential legal claims.

• Carry out fraud detection and prevention.

• Deal with any complaints regarding the Digital Services, our products and services.

We will delete your personal information when it is no longer required for these purposes. If there is any information that we are unable, for technical reasons, to delete from our systems, then we will put in place appropriate measures to prevent any further processing or use of the data.

How We Share Information

We disclose the information noted above as follows:

• Within the Fitch family of companies.

• With service providers that perform services or handle transactions on our behalf.

• With respect to corporate subscriptions, memberships and/or other services, with the organization that purchased the services, subscription, and/or membership.

• With business partners, including providers of targeted advertising and marketing services.

• Where applicable, with professional teaching, education, and/or examining bodies.

• Other parties when required by law or as necessary to protect our rights, and in the context of corporate transactions.

• With your consent or otherwise at your direction.

Your Rights and Choices

The CCPA provides certain consumers (i.e., California residents) with specific rights regarding their Personal Information. You have a right not to receive discriminatory treatment for exercising these privacy rights.

• Right to Access: To request a copy of the personal information we process in relation to you and to be informed about how we use and share your personal information.

• Right to Correct: To request that we update the personal information we process in relation to you, or to correct personal information that you think is incorrect or incomplete.

• Right to Delete: To ask that we delete personal information that we process in relation to you where we do not have a legal or regulatory obligation or other valid reason to continue to process it.

• Right to Portability: To request a copy of your personal information that you have provided to us in a commonly used electronic format such as through the completion of an application form.

We will not discriminate against you for exercising any of your rights. If you would like to discuss or exercise the rights listed above, please contact us at privacy@thefitchgroup.com. Please provide your name and contact information. We will contact you if we need additional information from you in order to honor your requests. For example, we may need to request specific information from you to help us confirm your identity and ensure your right to access the personal information requested, or to exercise any of your other rights. This is to ensure that personal information is not disclosed to any person who does not have authority to receive it. You can also use the manage my preferences button on websites and request access, deletion, or to be unsubscribed.

You may designate an authorized agent to submit your consumer request on your behalf, so long as the authorized agent has your written permission to do so and you have taken steps to verify your identity directly with us. They may submit a request by following the steps noted above.

Opt Out of Sales or Shares of Personal Information for Targeted Advertising: We disclose certain information for valuable consideration (aka “sales”) and for targeted advertising (aka “shares”) to business partners and companies that support our targeted advertising and marketing efforts. You can opt out of such disclosures by clicking: Do Not Sell Or Share My Personal Information.

• You may unsubscribe from our marketing or promotional emails by clicking the “Unsubscribe” link in our emails, or for certain Digital Services, by logging into your account and adjusting your preferences.

Additional Information

• We use a variety of security technologies and procedures to help protect information from unauthorized access, use or disclosure.

• Fitch operates the Digital Services globally, including from the United States. Information may be processed and stored in the United States or other countries

• The Digital Services are not intended for use by children under the age of 13.

• If we update this Policy, then we will post the update on this page.

Contact Us

If you have questions about our Privacy Policy you can contact us by email at privacy@thefitchgroup.com.