Privacy Policy

Privacy Notice - 2026
Credico Marketing Limited (Credico UK)

Credico Holdings Ltd. and our subsidiaries and affiliates (”COMPANY” or “We”) respect your privacy
and commit to protecting it through our compliance with the practices described in this notice.

This notice describes our practices for collecting, using, maintaining, protecting, and disclosing the personal data we may collect from you or that you may provide when you visit our website or other digital properties, communications, or forms that link or refer to this notice (our “Website”). This notice applies to the personal data collected through our website, regardless of the country where you are located.

Please read this notice carefully to understand our policies and practices for processing and storing your personal data. By engaging with our website, you accept and consent to the practices described in this notice. This notice may change from time to time (see Changes to Our Privacy Notice). Your continued engagement with our website after any such revisions indicates that you accept and consent to them, so please check the notice periodically for updates.

Data We May Collect About You
We collect and use different types of data from and about you including:

Personal data that we could reasonably use to directly or indirectly identify you, such as your full name, postal address, email address, telephone number, username, or other similar identifier, any other identifier we may use to contact you online or offline (personal data).
Non-personal data that does not directly or indirectly reveal your identity or directly relate to an identified individual, such as demographic information, statistics, or aggregated information. Statistical or aggregated data does not directly identify a specific person, but we may derive non-personal statistical or aggregated data from personal data. For example, we may aggregate personal data to calculate the percentage of users accessing a specific website feature.
Technical information, including the Internet protocol (IP) address used to connect your computer to the Internet, your login information, browser type and version, time zone setting, browser plug-in types and versions, or operating system and platform.
Non-personal details about your website interactions, including the full Uniform Resource Locators (URLs), clickstream to and from our website (including date and time), page response times, length of visits to certain pages, page interaction information (such as scrolling, clicks, and mouse-overs), methods used to browse away from the page, or any phone number used to call our customer service number.

If we combine or connect non-personal, technical, or demographic data with personal data so that it directly or indirectly identifies an individual, we treat the combined information as personal data.

How We Collect Data About You
We use different methods to collect data from and about you including through:

Direct interactions. You may give us information about you by filling in forms or by corresponding with us by e-mail or phone.
Automated technologies or interactions. As you interact with our website, we may automatically collect technical data about your equipment, browsing actions and patterns as

specified above. We collect this information by using cookies and other similar technologies (see Cookies and Automatic Data Collection Technologies).

Third parties or publicly available sources. We may receive information about you from third parties including, for example, business partners, subcontractors, advertising networks, analytics providers, search information providers, data brokers, or aggregators.
User contributions. You also may provide information for us to publish or display (post) on public website areas or transmit to other website users or third parties (collectively, “User Contributions”). You submit User Contributions for posting and transmission to others at your own risk. Additionally, we cannot control the actions of any website users with whom you choose to share your User Contributions. Therefore, we cannot and do not guarantee that unauthorized persons will not view your User Contributions.

Cookies and Automatic Data Collection Technologies
Our website uses cookies (small files placed on your device) or other automatic data collection technologies to distinguish you from other website users. This helps us deliver a better and more personalized service when you browse our website. It also allows us to improve our website by enabling us to:

Estimate our audience size and usage patterns.
Customise our website.

How We Use Your Personal Data
We use your personal data to provide you with services, communicate with you, or to conduct other business operations. Examples of how we may use the personal data we collect include to:

Present our website and provide you with the information, services, and support that you request from us.
Notify you about changes to our website or services.
Ensure that we present our website content in the most effective manner for you and for your computer.
Administer our website and conduct internal operations, including for troubleshooting, data analysis, testing, research, statistical, and survey purposes.
Improve our website, services, marketing, or customer relationships and experiences.
Protect our website, employees, or operations.
Measure or understand the effectiveness of the advertising we serve to you and others, and to deliver relevant advertising to you;
We may also use personal data to contact you about our own and third parties’ services that

may be of interest to you.

We may use non-personal data for any business purpose.

Lawful Basis for Processing Your Personal Data
We will only use your personal data where we have a lawful basis to do so under applicable data protection laws. The lawful basis we rely on will depend on the nature of our relationship with you and the purpose for which we process your information. The lawful bases we may rely on include:

Performance of a contract: We may process your personal data where it is necessary to enter into or perform a contract with you, including managing contractual relationships with clients, suppliers, contractors, employees, and other business partners.
Compliance with legal and regulatory obligations: We may process your personal data where necessary to comply with legal, regulatory, accounting, tax, or other obligations that apply to

us. This may include providing information, financial data, attestations, or other documentation required for regulatory purposes.

Legitimate interests: We may process your personal data where necessary for our legitimate business interests, provided that these interests are not overridden by your rights and

freedoms. This may include managing our business operations, maintaining relationships with existing business contacts, administering our website, ensuring the security of our systems, preventing fraud, conducting analysis, and improving our services.

Consent: In certain circumstances, we may rely on your consent to process your personal data where required by law or where you have chosen to provide it for a specific purpose. You may withdraw your consent at any time by contacting us.

Disclosure of Your Personal Data
We may share your personal data with:

Any member of our corporate group, which means our subsidiaries and our affiliates.
Business partners, suppliers, service providers, sub-contractors, and other third parties we use to support our business. We contractually require these third parties to keep that personal data confidential and use it only for the contracted purposes.
Third parties to market their products or services to you if you have not opted out of these disclosures.
Advertisers and advertising networks that require the data to select and serve relevant ads to you and others.
To fulfil the purpose for which you provide it.
For any other purposes that we disclose when you provide the data.
With your consent.

We may also disclose your personal data to third parties:

To comply with any court order, law, or legal process, including responding to any government or regulatory request.
To protect the rights, property, or safety of our business, our employees, our customers, or others. This includes exchanging information with other companies and organizations for the purposes of cybersecurity, fraud protection, and credit risk reduction.

We may share non-personal data without restriction.

Consent to Personal Data Transfer
We are based in the United Kingdom and may process, store, and transfer the personal data we collect, in and to a country outside your own, with different privacy laws that may or may not be as comprehensive as your own.

By submitting your personal data or engaging with the website, you consent to this transfer, storing, or processing.

Your Personal Data Use Choices
We strive to provide you with choices regarding certain personal data uses, particularly around marketing and advertising. If you do not want us to use your contact information to promote our services or third parties’ products or services, you can opt-out by emailing enquiries@credico.uk.com, or by writing to:

Credico UK
Suite B1 The Quadrant Mercury Court Chester
CH1 4QR

Our website may, from time to time, contain links to and from the websites of our partner networks, advertisers, and affiliates, or include plug-ins enabling third-party features. If you follow a link to any third-party website or engage a third-party plug-in, please note that these third parties 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 third parties.

Accessing and Correcting Your Personal Data
You can access, review, and change your personal data by sending us an email
at enquiries@credico.uk.com to request access to, correct, or delete personal data that you have provided to us. We may not be able to accommodate a request to change or delete information if we believe the change or deletion would violate any law or legal requirement or negatively affect the
information’s accuracy.

Data Security
The security of your personal data is very important to us. We use physical, electronic, and administrative safeguards designed to protect your personal data from loss, misuse, and unauthorized access, use, alteration, or disclosure.

The safety and security of your information also depend on you. Where we have given you (or where you have chosen) a password for access to certain parts of our website, you are responsible for keeping this password confidential. We ask you not to share your password with anyone.
We maintain procedures for identifying and responding to suspected personal data breaches. Where a breach occurs that requires notification under applicable data protection laws, we will notify the relevant supervisory authority and affected individuals within the required timescales.

Data Retention
We retain personal data only for as long as necessary to fulfil the purposes for which it was collected, including to provide our services, manage our relationship with you, comply with legal, regulatory,
accounting, or reporting obligations, and protect our legitimate business interests.

The length of time we retain personal data depends on the nature of the information, the purpose for which it is processed, and any legal or regulatory requirements that apply. This may include information relating to our clients, customers, employees, contractors, suppliers, business partners, and individuals who interact with us for sales, marketing, or other business purposes.

As a regulated business, we may be required to retain certain records for specified periods to meet our obligations, including obligations imposed by the Financial Conduct Authority (FCA) and
applicable tax requirements. In some circumstances, we may be required to retain basic information about customers and clients, including Contact Data, Identity Data, Financial Data, and Transaction Data, for up to six years after our relationship with them ends.

Where personal data is no longer required, we will securely delete it or anonymise it so that it can no longer be associated with an identifiable individual. We may retain anonymised information
indefinitely for statistical, analytical, research, or business purposes.

In certain circumstances, you may request that we delete your personal data. Please refer to the section titled “Accessing and Correcting Your Personal Data” for further information about your rights and how to contact us.

Children’s Online Privacy
We do not direct our website to minors and we do not knowingly collect personal data from children under 18 years of age or as defined by local legal requirements. If we learn we have mistakenly or unintentionally collected or received personal data from a child without appropriate consent, we will delete it. If you believe we mistakenly or unintentionally collected any information from or about a child, please contact us at enquiries@credico.uk.com.

How to Make a Complaint
If you have any concerns about how we handle your personal data, we encourage you to contact us first so that we can try to resolve your concerns.

You have the right to make a complaint at any time to the Information Commissioner's Office (ICO),
the UK supervisory authority for data protection issues. Further information about how to contact the ICO and make a complaint is available on the ICO website.

Changes to Our Privacy Notice
We will post any changes we may make to our privacy notice on this page. If the changes materially alter how we use or treat your personal data we will notify you through a notice on the website home page. Please check back frequently to see any updates or changes to our privacy notice.

Contact Information
Please address questions, comments, and requests regarding this privacy notice and our privacy practices to enquiries@credico.uk.com or by writing to:

Credico UK
Suite B1 The Quadrant Mercury Court Chester
CH1 4QR