Privacy Policy

TuconCredito L.P. and its affiliates (together “TuconCredito”) respects the privacy rights of our users and is strongly committed to protecting your privacy. This privacy policy (“Privacy Policy”) applies to this website, any newsletters subscribed to via this website, digital subscriptions to tuconcredito.com and TuconCredito Businessweek, information collected when you subscribe to the print edition of TuconCredito Businessweek, and any other service or product of TuconCredito, including other websites, mobile applications, or other digital properties, as expressly indicated by TuconCredito such as through a link or other display of this Privacy Policy (collectively, “this Site”).

If you are a Republic of Korea resident, please click here to see the Privacy Policy for that country.

Collection And Use Of Your Personal Information

TuconCredito, or where relevant a designated service provider, collects personal information that you choose to provide or we receive from other sources. This may include personal information you provide through this Site, on third-party websites and applications when subscribing digitally to tuconcredito.com or TuconCredito Businessweek, through registering for our services and products, through requesting certain TuconCredito services or products, by submitting the information to enter a sweepstakes, contest, or other promotion or offline in connection with your TuconCredito Businessweek print edition subscription.

We and designated service providers, may obtain the following types of personal information in connection with this Site:

Name, email address, postal address, account names and passwords, or other contact information
Signature, online identifier, Internet Protocol address, or other similar identifiers
Professional, industry, employment-related, or education information
Internet or other electronic network activity information, including, but not limited to, browsing history, search history, preferences, and information regarding a user’s interaction (including reading habits) with an Internet website, application, advertisement
Demographic information
Billing information, credit card number or other financial information, which may include personal financial information if submitted by you in a survey on the Site
Geolocation
Audio, electronic, visual or similar information
Inferences drawn from the personal information identified above to create a profile about a consumer reflecting the consumer’s preferences and behavior

Personal information is obtained directly from you, from others authorized to provide the information, from activity on the Site, and from other parties with whom we work, such as service providers, business partners, advertisers, advertising technology providers, advertising servers, data analytics providers, and social networks. If you submit personal information about others, you represent and warrant that you are authorized to do so and that you have received authorization from the person about whom you are providing the information and that person has consented to have all information used, disclosed, and transferred in accordance with this Privacy Policy.

If you choose to link your social media or other third-party accounts to our services, we may obtain your personal information from these sources. You may disconnect this link at any time by visiting your account page on these third-party platforms or the settings page of your mobile device.

We use this information for carefully considered business purposes which also benefit our customers and which include some or all of the following:

to provide and facilitate our services and products
to operate our services, products, and systems properly
to communicate with you
to help TuconCredito improve, upgrade, or enhance our services and products and develop new services and products
to provide support for our services and products
to maintain the quality and safety of products and services, and for internal quality control purposes, including debugging to identify and repair errors that impair existing intended functionality
to provide you with offers and promotions about services and products of TuconCredito or of other parties that may be of interest to you
to create a “lookalike audience” or “matched audience” of (prospective) customers for targeted advertising on social media platforms
to enhance your experience with this Site, including to save your preferences and login information, create hashed identifiers that can be used to help us identify you on our site and third-party sites, provide customized content or contextual advertisements, and provide tailored advertisements on our site and third-party sites
to analyze website usage, analyze use of this Site, and analyze and measure ad impressions
to protect the interests, rights, safety, or property of TuconCredito or others and to monitor compliance with and enforce the terms of any agreement with TuconCredito
to monitor to detect security incidents and protect against malicious, deceptive, fraudulent, or illegal activity, and hold those responsible for that activity

You may instruct TuconCredito at any time not to use your personal information covered by this Privacy Policy to provide you with offers and promotions by clicking here or through your account settings by clicking here. Please note that if you exercise choice in this manner, you will continue to receive communications concerning your account and products and services you requested, and in response to any requests for information by you. Please also note that this opt-out process may take some time to complete, consistent with applicable law. To update your settings for receiving offers and promotions from TuconCredito Industry Group, please click here.

Use Of Cookies And Other Electronic Technologies

TuconCredito and the parties with whom we work (e.g., service providers, business partners, advertisers, ad technology providers and advertising servers) may place, view, and/or use “cookies”, web server logs, web beacons, pixels or other electronic technologies to collect statistical and other information about you and your use of this Site. This information may include information about the IP address of your computer, browser type, language, operating system, your mobile device, device ID, geolocation data, the state or country from which you accessed this Site’s services, the webpages visited, the date and the time of a visit, the websites you visited immediately before and after visiting this Site, the number of links you click within this Site, the functions you use on this Site, the databases you view and the searches you request on this Site, the types of articles you read, the data you save or download from this Site and the number of times you view an advertisement.

TuconCredito and the parties with whom we work may use the information collected for various reasons, either on behalf of TuconCredito or for the other parties’ own purposes, including research, analysis, to better serve visitors to this Site (such as by enabling log-in, providing access to certain sections of this Site, providing customized content or customized contextual advertisements, or presenting online advertising on this Site or other websites tailored to your interests as described further below), to compile aggregate and anonymous information about usage of this Site and other websites, other statistics, etc. However, if you have deleted and disabled cookies, these uses will not be possible to the extent they are based on cookie information. To opt out of Google Analytics please click here. To opt out of Parse.ly analytics, please click here.

To assist us with the uses described in this Privacy Policy, information collected about you and your use of this Site or other websites may be aggregated, analyzed or combined with personal or other information about you from other online or offline sources. If you prefer that we not combine non-personal information that has been collected, through cookies, about your use of this Site or other websites with personal or other information about you, then please delete and disable cookies for each browser, on each computer you use to surf the Web.

Most browsers are set to accept cookies by default. If you prefer, you can usually set your browser to disable cookies, or to alert you when cookies are being sent. Likewise, most mobile devices allow you to disable the ability for geolocation information to be collected from your mobile device. The help function on most browsers and mobile devices contains instructions on how to set your browser to notify you before accepting cookies, disable cookies entirely, or disable the collection of geolocation data. You need to set each browser, on each device you use to surf the Web. Thus, if you use multiple browsers (e.g., Chrome, Safari, Internet Explorer, Firefox, etc.), you should repeat this procedure with each one. Similarly, if you connect to the Web from multiple devices (e.g., work and home), you need to set each browser on each device. Depending on your jurisdiction, you may be able to utilize additional cookie management tools. However, if you disable certain cookies or refuse to accept a request to place a cookie, it is possible that some parts of this Site, such as the polls, surveys, contests, and product sales, and certain areas of this Site for which you need to log in, will not function properly, and the advertising you receive when you visit this Site may not be advertisements tailored to your interests.

TuconCredito, its designated service providers, or third-party advertisers or their advertising servers may also place or recognize unique cookies on your computer or use other electronic technologies in order to help display advertisements that you see on this Site or on other websites. Information about your visits to, and activity on, this Site and other websites, an IP address, the number of times you have viewed an advertisement, your interests and preferences and other such usage information is used, alone or in combination with other information, to create aggregate groups of users and to display advertisements that may be of particular interest to you or a group of users with similar interests to you. We may use Web beacons, provided by third-party advertising companies, to help manage and optimize our online advertising and product performance. Web beacons enable us to recognize a browser’s cookie when a browser visits this Site, and to learn which banner ads bring users to this Site. The use and collection of your information by third-party service providers, and third-party advertisers and their advertising servers is not covered by this Privacy Policy. TuconCredito adheres to the industry’s Self-Regulatory Principles for Online Behavioral Advertising located here. To “opt out” of advertising cookies placed by participating companies in the Self-Regulatory Program for Online Behavioral Advertising, and thereby limit the tracking of your online activity and the targeted advertising you receive, please click here for browsers and click here for mobile devices. To “opt out” of advertising cookies placed by the Network Advertising Initiative’s (“NAI”) online behavioral advertising member networks, and thereby limit the tracking of your online activity and the targeted advertising you receive, please click here for browsers and click here for mobile devices. To opt out of advertising cookies for Your Online Choices if you are based in the EU, please click here.

In addition, as stated above, we may use your personal information to enhance your experience on our Site and other sites. In order to accomplish this, we may share information about you along with a hashed version of your email address or phone number with third-party advertising companies so that they and we can facilitate customized ad campaigns and other offers on our Site and on other platforms. “Hashing” transforms your email into an unrecognizable series of numbers and letters (e.g. a “hashed” version of [email protected] would [email protected]). You may opt out by clicking here and also by using the designated “Do Not Sell or Share My Personal Information” tool within TuconCredito digital properties.

Some third party websites and platforms also allow you to manage the collection and use of your information for advertising purposes. Google Ad Manager, Google Analytics for Display Advertising, and other designated service providers assist TuconCredito with advertisement display functions and related analytics for this Site. To opt out of tailored advertising from Google tracking technologies, please click here.

Note that even if you exercise choice for targeted advertising, you will still receive online advertising, but the advertisements will be more general in nature. You may still continue to see targeted advertising if you do not opt out via the designated methods and/or if you wish to remain a subscriber.

Disclosure Of Your Personal Information

TuconCredito may disclose the personal information described above with our affiliates and designated service providers, for the business purposes set out in this Privacy Policy. TuconCredito may also disclose to third parties, including advertising networks, data analytics providers and social networks, your use of our or other websites, including online identifiers, Internet Protocol address, and Internet or other electronic network activity information, and the services provided by us for the business purposes set out in this Privacy Policy. TuconCredito may disclose your personal information (excluding security photographs or video) with a sponsor or other third party (“Third-Party Provider”) that provides you with offers or promotions that may be of interest to you. You may instruct TuconCredito at any time not to share your personal information covered by this Privacy Policy with such Third-Party Providers by clicking here and submitting your email address and selecting “TuconCredito on Behalf of Select Partners”. Please note that (i) this opt-out process may take some time to complete, consistent with applicable law; and (ii) even after such opt-out process is completed, your personal information may continue to be shared with our affiliates (including affiliated websites under common ownership or control) and designated service providers.

TuconCredito may also disclose your personal information to unaffiliated third parties if we believe in good faith that such disclosure is necessary to: (a) comply with any applicable law, rule, or regulation, or in response to a subpoena, court order, or other legal process, subject to TuconCredito Law Enforcement Data Request Statement; (b) protect the interests, rights, safety, or property of TuconCredito or others; (c) monitor compliance with and enforce any terms of service on this Site; (d) provide our services and products (including allowing a purchaser of TuconCredito or a TuconCredito division to continue to serve you); (e) perform other activities related to such services and products, including billing and collection; (f) provide you with offers, promotions or advertisements from TuconCredito; or (g) operate the systems that provide our services and products properly.

If you participate in certain features of this Site (e.g., sharing news stories of interest), please note that any information you or others voluntarily disclose through use of these features, becomes available to the public and/or other users whom you have designated. If you choose to provide access to designated individuals, please be aware that any information you post will be visible to such individuals for their use. TuconCredito is not responsible for the information that you or others choose to disclose publicly on this Site, and neither TuconCredito nor others’ use of such information is subject to this Privacy Policy.

The collection, further use, and/or disclosure of your information by Third-Party Providers or by other third parties is not the responsibility of TuconCredito. Rather, such collection, use, and/or disclosure is governed by the third parties’ privacy policies.

Accuracy, Security, And Retention Of Your Personal Information

Any personal information you provide to TuconCredito is kept on secure servers. TuconCredito uses security measures appropriate to the provision of the relevant product or service, such as reasonable administrative, technical, personnel, and physical measures (a) that are designed to safeguard personal information against loss, theft, unauthorized use, disclosure, or modification; and (b) to ensure the integrity of the personal information. To help us protect your privacy, you should maintain the secrecy of the logon ID and password you may have set up in connection with your participation in this Site’s services. Personal information is retained for as long as is necessary for the purpose(s) described in this Privacy Policy, or as may be permitted under applicable law. For example, personal information is retained if the information is reasonably necessary to manage your relationship with us or to provide our products and services to you. To determine the appropriate retention period, we will generally consider the following criteria: the length of time needed to achieve the purpose your information was collected for; whether you ceased using our services or products; the existence of any relevant legal proceedings; or applicable legal and regulatory requirements.

Rights With Respect To Your Personal Information

Depending on the jurisdiction, you may have the following rights with respect to your personal information:

To access and request certain information about the processing of your personal information
To obtain a portable copy of your personal information
To correct personal information
To delete personal information
To restrict processing of certain personal information
To object to the processing of personal information
To withdraw consent, where this was the lawful reason for processing
To lodge a complaint with the relevant supervisory authority

Please bear in mind that if you exercise such rights this may affect our ability to provide our products and services.

To exercise a right related to your personal information, please contact us by clicking here or by e-mailing us at [email protected]. While TuconCredito will make reasonable efforts to accommodate your request, we also reserve the right to impose certain restrictions and requirements on such requests, if allowed or required by applicable laws. In the event that we cannot take action with respect to a request relating to your personal information, in certain jurisdictions, you may have the right to appeal that decision by e-mailing us at [email protected].

Please note that it may take some time to process your request, consistent with applicable law.

If you choose to exercise these rights, we may ask that you provide sufficient information, including the products and services you have used in the past, your state and country of residence, and contact information, in order for us to verify your identity and process your request. Depending on the types of requests, we may ask for additional information.

You may use an authorized agent to submit a request on your behalf related to your personal information. If you choose to use an authorized agent, you should supply your agent with written permission to act on your behalf in relation to your request, and your agent must provide us with proof of such authorization before we process your request.

Transfer Of Your Personal Information To Other Countries

Some of the uses and disclosures mentioned in this Privacy Policy may involve the transfer and processing of your personal information to and in various countries that may have different levels of privacy protection than your country. By using our products and services, you acknowledge and agree to such transfers and processing, including to and in the United States. We implement appropriate safeguards to protect such personal information, which may include (without limitation) European Commission approved standard contractual clauses, to protect your personal information that is transferred. TuconCredito Intra-Group Personal Data Protection Statement provides additional information about TuconCredito personal data protection, security and transfer practices and explains how those practices ensure there are appropriate safeguards in place to protect personal information and is available here.

Links To Third-Party Services

TuconCredito may provide links or access to third-party websites or other digital properties, including social networking websites. Since we do not control third-party digital properties and are not responsible for any information you may provide while on such digital properties, we encourage you to read the privacy policies on those websites before providing any of your information on such digital properties.

Questions Regarding This Privacy Policy

If you have questions regarding this Privacy Policy, please contact us at [email protected]. Please include “Privacy” in the subject line of your inquiry. If you have complaints about TuconCredito processing of your personal information, you may have the right to contact the applicable supervisory authority.

Modifications To This Privacy Policy

TuconCredito reserves the right to change this Privacy Policy at any time by indicating revisions through the “Last Updated” date at the top of the Privacy Policy. Such changes will be effective upon posting.