Any of its websites or mobile sites, including crescentrating.com, including all subdomains, present and future (the “Website”);
Use any of its present and future mobile applications (the “Applications”);
Use any of its Services including CrescentRating Academy, and other CrescentRating products and services made available from time to time (the “Platforms”).
Hereafter, we call the Website, Applications and Platforms together the “Services”.
Here at CrescentRating, we are committed to protecting your privacy in accordance with the highest consumer protection standards applicable in the industry. All proprietary rights therein are owned by CrescentRating Pte Ltd.
By accessing our website and using the information contained therein, you acknowledge and agree that
If you disclose your personal information to us, we may create a database record incorporating your personal details
If you register yourself on our website, or download any materials or conduct any other transaction permitted under the terms and conditions of our website, you agree that we will have the right to collect information as necessary to provide you with the service you have requested, and you agree that this information may be disclosed to our service partners (who may be third parties) for such purposes.
You permit us to contact you with regard to information about products and services which may be of interest to you (unless you have indicated that you do not wish to receive these communications).
We may collect, store and use the following kinds of personal data from you:
Information about your computer and about your visits to and use of this website (including your IP address, geographical location, browser type and version, operating system, referral source, length of visit, page views, website navigation);
Information relating to any transactions carried out between you and us on or in relation to this website, and information relating to any purchases you make of our products and/or services;
Personal data voluntarily provided by you to us for the purpose of registering with us (including name, email, username and password);
Personal data voluntarily provided by you to us for the purpose of subscribing to our website services, email notifications and/or e-newsletters;
Additional information from third party services such as LinkedIn may be provided by you to us for the purpose of facilitating and easing your login and account setup processes;
Personal data collected through CrescentRating Academy may include your student progress through the course, quiz scores, survey results, discussion or forum contributions and other student activities;
Your personal data may be listed on CrescentRating Academy’s Directory page after successful completion of the exams. This function is purely optional and can be removed if you wish to withdraw your consent.
Any other information that you choose to send to us.
Personal information submitted to us via this website will be used for purposes specified in this privacy or in relevant parts of the website.
We may use your personal information in connection with the following purposes:
Administer the website for internal business administration (e.g. troubleshooting, data analysis, testing, research, statistical purposes);
Improve your browsing experience by ensuring that our content is the most effective manner for you and your device;
Complete any transaction that you do with us or our subsidiaries
Enable you to access our Services for processes including processing enrolments, authentication, or otherwise administering your course;
Send you general (non-marketing) communications, such as password recovery or subscription renewal emails;
Send you our e-newsletter if you have specifically requested, by email (and you can inform us at any time if you are no longer interested in receiving the newsletter)
Provide customer service and support, and deal with enquiries and complaints made by or about you relating to the website;
Provide third parties such as Google Analytics with limited statistical information about our users (e.g. how many people visited a specific page). This information will be aggregated and anonymised, and will not be able to identify any individual user;
Keep the website secure and prevent fraud
Verify compliance with the Terms & Conditions governing the use of the website
We will not provide your personal information to any third parties for the purpose of direct marketing by those parties.
Our legal basis for processing your personal data for the aforementioned purposes will typically be one of the following:
It is necessary for us to process your personal data to perform a contract to which you are a party, or to take steps at your request prior to you entering into the contract
You have consented to us using your personal data for this purpose (e.g. when you create an account with us, agree to receive marketing emails from us). You can withdraw your consent at any time by unsubscribing from our emails or updating your marketing preferences.
It is in our legitimate interest to use your personal data to operate, improve and promote our services (e.g using your data for analytics purposes) and to protect our business.
It is necessary for us to use your personal data for us and our subsidiaries to comply with a legal obligation.
Where you submit personal information with special category data (e.g. information about your health or any previous criminal convictions), we will seek your explicit consent to process this information.
We will keep your personal information for as long as it is necessary for the purposes for which it is processed. These periods vary depending on the nature of the information and your interactions with us. You can delete your account or unsubscribe from our marketing emails. Do note that when you delete your account, we will store your data for a reasonable period of time to prevent fraud and just in case you change your mind.
Crescentrating Pte Ltd may also work with third parties that advertise on our website. Information that may be disclosed to such third parties will be anonymous.
We have implemented security policies, rules and technical measures to protect the personal data that we have under our control from:
Improper use or disclosure
Unlawful destruction or accidental loss
Unfortunately, despite the aforementioned technology and security features, no data transmission over the Internet can ever be guaranteed to be 100% secure. As a result, we are unable to provide any absolute assurances in this regard or guarantee that the information you provide to us will be secure at all times, and we cannot be responsible for any event arising from unauthorised access to your personal information. We will therefore not be held responsible for events arising from third parties gaining unauthorized access to your personal information.
Please note also that we may use overseas facilities to process or back up information. As a result, we may transfer to and store your personal information at our overseas facilities. However, this does not change any of our commitments to safeguard your privacy.
All our employees and data processors, who have access to, and are associated with the processing of personal data, are obliged to respect the confidentiality of our visitors' personal data.
We ensure that your personal data will not be disclosed to State institutions and authorities except if required by law or other regulation.
The new data protection law gives individuals certain rights in relation to their personal data.
The rights given to you are:
Right to be informed about how your personal information is being used
Right to access the personal information we hold about you
Right to request that we amend or update your personal data where it is inaccurate or incomplete
Right to request that we delete your data, stop processing or collecting it
Right to stop direct marketing messages or withdraw consent for other content-based processing at any time
You have the right to ask us not to process any personal information for marketing purposes. You can withdraw your consent by updating your marketing preferences in your account or by clicking the “unsubscribe” link in any marketing email that we send you. Alternatively, you can also opt out by emailing us at [email protected]
The data protection law gives you the individual right to access your personal information, object to the use of your personal information for certain purposes, the right to amend, erase, restrict or receive a machine-readable copy of your personal information. If you are unable to fulfil your request through your account, please email [email protected] and we will handle your request in accordance with the law.
If you wish to access the personal data which you have provided to us and which we may hold in our database, you can ask us by sending us an email at [email protected]
We will provide you with a readable copy of the record which we maintain incorporating your personal data within a month of your request. Although we may require proof of your identity, we will provide the information without any charge.
Rectified or amended
We reserve the right to refuse to provide our visitors with a copy of their personal data to the extent permitted by law.
We do, however, allow you to challenge our decision to refuse to provide you with a copy of your personal data.
You should also note that the processing of information on the crescentrating.com site and the transmission of transaction messages relating to your travel reservations or purchases, may involve transmissions over various networks (which may not be secure) and to various countries and be subject to further processing and storage of data in such countries.
The CrescentRating website and services are not directed to children under the age of 16. No part of our website is designed and structured in a manner that attracts anyone under the age of 16.
We do not knowingly collect or maintain personal data from anyone under 16 years or under the applicable age limit (the “Age Limit”). If you are under the Age Limit, we urge you not to use our Service or provide any personal data to us.
If we learn that we have collected the personal data of minors under the age of 16, we will take reasonable steps to delete the personal data, which may include the deletion of account under our Service.
In addition, these cookies help to authenticate your account, ensure security and integrity of website and products, provide insights and monitor aggregate usage patterns to better improve our performance, website features and services. Additionally, it helps us remember your location and language preferences to better serve you. Please note that we will not track your information when you visit our site.
By using our site, you agree to us placing these cookies on your device and accessing them when you visit the site in the future. If you want to delete any cookies that are already on your computer, the “Help” section in your browser should provide instructions on how to locate the file or directory that stores cookies. Please note that by deleting or disabling future cookies, some of our services may not function properly and you might not be able to take advantage of certain functions on our site. For more information about cookies, please visit http://www.allaboutcookies.org/.
CrescentRating Pte Ltd retains the exclusive right to amend this Policy from time to time. If we make any substantial changes in the way that we use your personal information, we will notify you by posting a prominent announcement on our web page or by way of an e-mail to you, and you will have a choice as to whether or not we may use the information in this different manner.
CrescentRating Pte Ltd
80 Changi Road,
Email: [email protected]