PRIVACY POLICY

Last Updated: 23 February 2026

1. Data Controller
   Credit Knowledge Limited (Company No. 524612), registered at 35 Castleknock Drive, Castleknock, Dublin 15, Ireland (“Credit Knowledge”, “we”, “us”), is the data controller for the purposes of the General Data Protection Regulation (EU) 2016/679 and the Data Protection Act 2018. Contact: creditknowledge1@gmail.com.
2. Scope
   This Policy applies to personal data processed in connection with access to and use of our website and online learning platform (the “Site”), including CPD and non-CPD webinar services.
3. Personal Data Processed
   We process personal data including:
   • Identification and contact details;
   • Account credentials;
   • Participation and assessment records;
   • Communications;
   • Technical and usage data.
4. Purpose of Processing
   Personal data is processed for:
   • Provision and administration of webinar services;
   • Operation, security, and development of the Site;
   • Compliance with legal obligations;
   • Deployment of non-essential technologies where consent is required;
   • Analytics and promotional activity.
5. Analytics and Promotional Technologies
   We may use analytics, tracking, advertising, remarketing, embedded media, and related technologies to monitor usage, improve services, measure performance, and promote our services. Such technologies may process technical and behavioural data including IP address, device information, browsing behaviour, and engagement data. Where required by law, non-essential technologies are deployed only with consent, which may be withdrawn through the Site’s consent mechanism.
6. Lawful Basis
   Processing is based on:
   • Contractual necessity;
   • Legitimate interests;
   • Compliance with legal obligations;
   • Consent where legally required.
7. Retention and Deletion
   Personal data is retained for as long as necessary for the purposes for which it was collected, including service provision, legal compliance, dispute resolution, and risk management. We reserve the right, at our sole discretion, to suspend or delete accounts and associated data where continued retention is not considered necessary.
   Deletion may result in permanent loss of CPD records. We may retain limited information where necessary for legal, regulatory, audit, dispute resolution, or risk management purposes.
8. Employer-Sponsored Accounts
   Where an account is created or funded by an employer or sponsoring organisation (“Sponsor”):
   • The Sponsor exercises administrative control;
   • The Sponsor may access participation data, CPD records, and account activity at its sole discretion;
   • The Sponsor may modify, suspend, or terminate the account at its sole discretion;
   • We may act on Sponsor instructions without notice.
   Once information is disclosed to a Sponsor, the Sponsor acts as an independent data controller for its own purposes.
9. Sharing and Use of Contractors
   We may engage third-party service providers and contractors for hosting, infrastructure, analytics, communications, development, security, marketing, advisory, and related services. Personal data may be processed by such providers on our behalf under contractual arrangements where required by law.
   We may disclose personal data where required by law or regulatory authority.
10. International Processing
    Personal data may be processed outside the European Economic Area. Where such transfers occur, appropriate safeguards in accordance with GDPR will be applied.
11. Security
    We implement technical and organisational measures appropriate to the nature of the data processed. No system can be guaranteed to be completely secure.
12. Data Subject Rights
    Subject to applicable law, you have the right to:
    • Access personal data;
    • Request rectification;
    • Request erasure;
    • Restrict or object to processing;
    • Request data portability;
    • Lodge a complaint with the Data Protection Commission (Ireland).
    Requests may be made to creditknowledge1@gmail.com.
13. Cookies
    The Site uses cookies and similar technologies for operational, analytics, and promotional purposes. Further details are set out in our Cookie Policy.

14. Amendments
We may amend this Privacy Policy at any time. The current version will be published on the Site with the revised date. END.