Privacy Policy

1. Introduction

Foldyield Ratings ("we", "us", "our") is committed to protecting the privacy of visitors to our website and users of our services. This policy describes the categories of information we may collect, how that information is used, who it may be shared with, and the choices available to you regarding our use of it. By accessing or using our website, you acknowledge that you have read and understood this Privacy Policy.

2. Information We Collect

We may collect the following categories of information, depending on how you interact with our website and services:

• Contact details — such as your name, email address, and phone number when you submit an enquiry or contact form.
• Account information — details provided when registering for or using our platform, where applicable.
• Technical data — IP address, browser type, device identifiers, operating system, and referral source, collected automatically when you visit our website.
• Usage data — information about how you navigate and interact with our pages, features, and content.
• Cookies and similar technologies — as described further in Section 6 below.

3. How We Use Your Information

We may use the information we collect for purposes including, but not limited to:

• Operating, maintaining, and improving our website and services.
• Responding to enquiries, support requests, and communications you send to us.
• Personalising content and features based on your preferences or usage patterns.
• Sending administrative information, updates, or marketing communications, where you have consented or where permitted by law.
• Monitoring and analysing trends, usage, and activities to enhance security and functionality.
• Complying with applicable legal obligations, resolving disputes, and enforcing our agreements.

4. Legal Basis for Processing

Where applicable data protection law requires a legal basis for processing personal information, we rely on one or more of the following: your consent, the necessity of processing to perform a contract with you, compliance with a legal obligation, or our legitimate interests in operating and improving our business, provided such interests are not overridden by your rights and freedoms.

5. Sharing and Disclosure of Information

We do not sell personal information. We may share information in the following circumstances:

• With service providers and vendors who perform functions on our behalf, such as hosting, analytics, or communications.
• With professional advisers, including legal, accounting, and compliance consultants, where necessary.
• In connection with a merger, acquisition, financing, or sale of business assets.
• Where required to comply with a legal obligation, court order, or governmental request.
• To protect the rights, property, or safety of Foldyield Ratings, our users, or others.

6. Cookies and Tracking Technologies

Our website may use cookies and similar tracking technologies to enhance user experience, analyse site traffic, and understand visitor behaviour. You can control or disable cookies through your browser settings; however, doing so may affect the functionality of certain features. Specific cookie categories, durations, and third parties should be detailed here once finalised.

7. Data Retention

We retain personal information only for as long as necessary to fulfil the purposes outlined in this Privacy Policy, unless a longer retention period is required or permitted by law, such as for tax, accounting, legal, or regulatory reasons.

8. Data Security

We implement reasonable technical and organisational measures designed to protect information from unauthorised access, alteration, disclosure, or destruction. However, no method of transmission over the internet or electronic storage is completely secure, and we cannot guarantee absolute security.

9. International Data Transfers

If you access our website or services from outside the jurisdiction in which our servers or service providers are located, your information may be transferred to, stored, and processed in a different country. Where required, we aim to ensure appropriate safeguards are applied to such transfers.

10. Your Rights

Depending on your jurisdiction, you may have certain rights regarding your personal information, which may include the right to access, correct, delete, restrict, or object to processing, as well as the right to data portability and the right to withdraw consent at any time. To exercise any of these rights, please contact us using the details provided on our Contact page.

11. Third-Party Links

Our website may contain links to third-party websites or services that are not operated by us. We are not responsible for the privacy practices or content of such third parties, and we encourage you to review their respective privacy policies.

12. Children's Privacy

Our website and services are not intended for individuals under the age of 18. We do not knowingly collect personal information from children. If you believe a child has provided us with personal information, please contact us so that we can take appropriate action.

13. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technologies, legal requirements, or other factors. We will indicate the date of the most recent revision at the top of this page. Continued use of our website following any changes constitutes acceptance of the revised policy.

14. Contact Us

If you have questions, concerns, or requests regarding this Privacy Policy or our data practices, please reach out via the details listed on our Contact page.