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Submission: On August 16 via manual from IL — Scanned from DE
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<p> </p>
<p>
<strong>LAST UPDATED: June 15, 2023</strong>
</p>
<p> </p>
<p> Moody’s respects and values your privacy. This Privacy Policy explains how we collect your Personal Data (defined below) on those web sites of Moody’s that post or link directly to this Privacy Policy (collectively, the
“Site”) and through offline means, how we use, disclose, and protect such data, and the choices you have concerning our use of such data. Please read this Privacy Policy carefully. Moody’s may from time to time update this
Privacy Policy. Any changes to this Privacy Policy will become effective when we post or link to the revised Privacy Policy on the Site. Any significant changes to the way we collect or use Personal Data will be highlighted on
the homepage of the Site in advance. Please review the “Last Updated” legend at the top of this page to determine when this Privacy Policy was most recently revised. </p>
<p> </p>
<p>For the purposes of this Privacy Policy, “Moody’s”, "we", "us", and "our" means Moody Corporation and its affiliates listed at <a href="/MoodysGroupAffiliates">www.moodys.com/MoodysGroupAffiliates</a>. </p>
<p> </p>
<p> In some circumstances, you may have the option to decline to provide us with any Personal Data to visit the Site. However, if you choose to withhold requested information, you may not be able to visit all sections or use all
features of the Site. </p>
<p> </p>
<p> This Privacy Policy shall also apply to any Moody’s mobile application and other forms of Moody’s online activity that reference this Privacy Policy. In such instances, the term “Site” shall include the applicable mobile
application or other Moody’s online activity whenever that term is used herein. </p>
<p> </p>
<p>
<strong>Collection of Personal Data </strong>
</p>
<p> </p>
<p> Personal data is information that identifies you or can be used to identify or contact you, e.g., your name, email address, address, or phone number ("Personal Data"). We may need to collect and process Personal Data in order
to provide requested information, products or services to you (including the Site) or because we are legally required to do so. </p>
<p> </p>
<p style="margin-left:0.4in;text-indent:-0.16in">• Moody’s requests Personal Data from you if the Site requires registration. The registration process requests that you provide Personal Data, such as your
name, business email address, business address or country/jurisdiction location, business phone number, and company affiliation, and agree to the User Agreement presented at the time of registration. </p>
<p> </p>
<p style="margin-left:0.4in;text-indent:-0.16in">• Moody’s may receive Personal Data from social media platforms. For example, if you elect to use your social media credentials to log-in to your Site
account, certain Personal Data from your social media account will be shared with us, which may include Personal Data that is part of your social media profile. </p>
<p> </p>
<p style="margin-left:0.4in;text-indent:-0.16in">• Moody’s may collect Personal Data voluntarily provided by you, including in emails, online forms, order and registration forms, surveys, promotion
participation, online chats, phone calls, and through other means. </p>
<p> </p>
<p style="margin-left:0.4in;text-indent:-0.16in">• Moody’s may request Personal Data from our customers to comply with applicable anti-money laundering laws and other applicable laws. </p>
<p> </p>
<p style="margin-left:0.4in;text-indent:-0.16in">• On some of Moody’s Sites, including <a href="/">www.moodys.com</a>, you are able to maintain "portfolios," where, if you are a registered user, you have the
option to list financial instruments in which you have a special interest. To be useful, this information must be stored on the Site, and is accessible to anyone with whom you share your username and password. For this reason,
please safeguard your username and password carefully and do not disclose them to any other person. </p>
<p> </p>
<p style="margin-left:0.4in;text-indent:-0.16in">• We may use third-party payment services (each, a "Payment Service") to collect payments made through the Site. If you wish to make a payment through the
Site, you may be directed to a webpage that is hosted by a Payment Service (or a Payment Service's service providers) and not by Moody’s. Any Personal Data that you provide through a Payment Service page will be collected by the
Payment Service and not by Moody’s, and will be subject to Payment Service's privacy policy, rather than this Privacy Policy. Moody’s has no control over, and is not responsible for, a Payment Service's use of information
collected through a Payment Service page. </p>
<p> </p>
<p style="margin-left:0.4in;text-indent:-0.16in">• Products. For information regarding our processing of Personal Data in connection with our products, please see our separate
<a href="https://www.bvdinfo.com/en-us/rdc-product-privacy-notice">GRID Privacy Notice</a>, <a href="https://www.bvdinfo.com/en-gb/product-privacy-policy">Orbis Privacy Notice</a>,
<a href="https://www.bvdinfo.com/en-gb/bvdab-product-privacy-notice">The Nordic PEP List Privacy Notice</a>, and <a href="https://www.moodysanalytics.com/microsites/esg-product-privacy-notice">ESG Assessments Privacy Notice</a>.
</p>
<p> </p>
<p style="margin-left:0.4in;text-indent:-0.16in">• Moody’s collects information through various other means, including searches online, participation at conferences and events, individual introductions, from
employers that enroll their employees in our services or provide services to us, and from selected third-party business partners. From time to time, we may also acquire from third parties certain lists containing the names and
contact information of individuals who may be interested in our products and services. </p>
<p> </p>
<p>
<strong>Use of Personal Data Collected </strong>
</p>
<p> </p>
<p>
<em>We use Personal Data transparently and in compliance with applicable law, for legitimate business purposes, including the following: </em>
</p>
<p> </p>
<p style="margin-left:0.4in;text-indent:-0.16in">• Fulfillment of Requests. Moody’s may use Personal Data about you to deliver products and services to you, and to provide you with information about products
and services you’ve ordered. We will engage in these activities to manage our contractual relationship with you and to fulfil our contractual obligations. </p>
<p> </p>
<p style="margin-left:0.4in;text-indent:-0.16in">• Marketing Communications. From time to time, in compliance with applicable laws, we may use Personal Data about you to inform you of products, programs,
services and promotions that we believe may be of interest to you. If your employer is a Moody’s customer, we may also inform you of such products, programs, services and promotions using Personal Data about you that your
employer provided to Moody’s. We may also use Personal Data of media contacts for press release distribution or sharing other newsworthy developments related to our business activities. If you would prefer that we not send
electronic marketing messages to you, please see the "Your Choices" section below. </p>
<p> </p>
<p style="margin-left:0.4in;text-indent:-0.16in">• Promotions. We may operate sweepstakes, contests and similar promotions (collectively, "Promotions"). If you choose to enter Moody’s Promotions, we may
require certain Personal Data when you enter and, if applicable, win a Promotion. You should carefully review the rules of each Promotion in which you participate, as they may contain additional important information about our
use of Personal Data about you. To the extent that the terms and conditions of such rules concerning the treatment of your Personal Data conflict with this Privacy Policy, the terms and conditions of such rules shall control. We
will use this information to operate the Promotions. </p>
<p> </p>
<p style="margin-left:0.4in;text-indent:-0.16in">• Other Business Purposes. We may also use Personal Data about you for other business purposes, such as data analysis (for example, to improve the efficiency
of our services), editorial and feedback purposes, providing customer support, customizing and improving the content and layout of the Site, completing business transactions (for example, to confirm content requested is received
by customers), development and delivery of marketing and promotion plans and materials, statistical analysis of user behavior (for example, to understand what parts of the Site are of most interest to users), product
development, receipt of services from you or your employer, conducting surveys and market research, and administering individual accounts. </p>
<p> </p>
<p style="margin-left:0.4in;text-indent:-0.16in">• Administrative Communications. Moody’s reserves the right to use Personal Data to send to you important information regarding the Site, products, services,
your account status, the User Agreement, this Privacy Policy, or any other policies, agreements or transactions relevant to your use of the Site, products and/or services. Because this information may be important to your use of
the Site, products and/or services, you may not opt-out of receiving such communications. We will engage in this activity to manage our contractual relationship with you and/or to comply with a legal obligation. </p>
<p> </p>
<p style="margin-left:0.4in;text-indent:-0.16in">• Compliance with law and regulation. We may use Personal Data as necessary to comply with applicable legal and regulatory requirements such as sales tax
collection, audits, etc. </p>
<p> </p>
<p style="margin-left:0.4in;text-indent:-0.16in">• Moody’s uses Personal Data for purposes compatible with those notified in this Privacy Policy and any other online or offline applicable privacy notice, and
in accordance with applicable law. Where required by applicable law, we will only use Personal Data with your consent. </p>
<p> </p>
<p>
<strong>Cookies and Other Tracking Technologies </strong>
</p>
<p> </p>
<p> We use cookies and similar technologies (collectively, “Cookies”) on our websites </p>
<p> </p>
<p> Essential Cookies </p>
<p> </p>
<p> Essential Cookies are necessary for the Site to function and cannot be switched off without affecting the use of the Site. Essential Cookies are usually only set in response to specific actions you take on the Site, such as
retaining search results where you use an internal search function or setting your Cookies preferences. </p>
<p> </p>
<p> Essential Cookies seldom collect and use any Personal Data, though they may contain an ID code which allows the Site to distinguish you as an individual visitor from all other visitors on the Site at the same time. These types
of unique ID code are used to maintain a server session to enable functions you have requested. Essential Cookies are typically session Cookies and only retain data for the duration of your visit to the Site. </p>
<p> </p>
<p> We use essential Cookies as we believe it is in both our and your legitimate interests to enable the Site to work properly. </p>
<p> </p>
<p> Functional Cookies </p>
<p> </p>
<p> Moody’s uses functional Cookies to understand how the Site is used and to customise and enhance the Internet experience of users. When you revisit the Site, Moody’s may recognise you by a functional Cookie and customise your
experience. For example, once you have completed the registration process, a functional Cookie will be used to avoid you having to register again. We believe functional Cookies add value to the user experience. The retention
period of Functional Cookies varies from the duration of your visit to the Site up to two years, depending on the purpose of the Cookie. </p>
<p> </p>
<p> Performance Cookies </p>
<p> </p>
<p> We use performance Cookies to collect and/or track information such as demographic information, domain names, computer type, browser types, screen resolution, and other statistical data involving the use of the Site. We use
performance Cookies to help us understand who uses the Site and to improve and market it, as well as our other services. </p>
<p> </p>
<p> We also use performance Cookies in connection with Site pages and email messages in certain formats to, among other things, track the actions of Site users and email recipients, to determine the success of marketing campaigns
and to compile statistics about Site usage and response rates. When used in email messages in certain formats, performance Cookies tell us whether and when the email has been opened. </p>
<p> </p>
<p> We use Google Analytics to collect and analyse information about Site use and to report on activities and trends. Google Analytics may also collect information regarding your use of other websites, apps and online resources.
The data we receive from Google Analytic Cookies is aggregated and anonymous, it is not personal data. However, Google may process personal data about you to provide us with aggregated data about our Site visitors. You can learn
more about Google’s practices <a href="https://policies.google.com/privacy/partners">here</a>, and opt out of Google Analytics by downloading the
<a href="https://tools.google.com/dlpage/gaoptout">Google Analytics opt-out browser add-on.</a></p>
<p> </p>
<p> When you visit and interact with the Site, we collect Internet Protocol (IP) addresses. Your IP address is a number that is automatically assigned to the computer that you are using by your Internet Service Provider (ISP).
This number is identified and logged automatically in our server log files whenever you visit the Site, along with the time(s) of your visit(s) and the page(s) that you visited. We use IP addresses to understand how the Site is
used by our users, to improve the Site and to enhance user experience of the Site. We may also derive your approximate location from your IP address. </p>
<p> </p>
<p> The retention period of performance Cookies varies from the duration of your visit to the Site up to two years, depending on the purpose of the Cookie. For example, a Cookie set for 24 hours to count you as a unique visitor to
the Site on that day, or a Cookie set for two years, to remember you as a returning visitor. </p>
<p> </p>
<p> Targeting Cookies </p>
<p> </p>
<p> On certain pages, we use third-party advertising companies to serve advertisements regarding our products and services that may be of interest to you when you access and use the Site, our apps and other websites or online
services, based on information relating to your access to and use of the Site and other websites or online services on any of your devices. To do so, these advertising companies place or recognise a unique Cookie on your
browser, including using pixel tags. Advertising Cookies store unique IDs that are associated with a profile on our advertising partners’ servers. These profiles record your browsing behaviour and actions linked to your browsing
information, such as actions you take on the Site (links clicked, or buttons clicked), as well as technical specifications about your device and your location (based on your IP address). Google’s advertising Cookies may also
link to your Google ID, if you are logged into your account while on our Site, building a detailed profile about you. The retention period of advertising Cookies varies typically from 30 days to 9 months, depending on the length
of our specific advertising campaigns. </p>
<p> </p>
<p> We also may use social media Cookies linking to ‘Like’ buttons and ‘Share’ buttons on social media. We use advertising and social media Cookies to show you relevant, not irrelevant, ads, and avoid you being repeatedly shown
the same ad, and to enable you to ‘Like’ or ‘Share’ our content on social media. Social media Cookies collect your IP address and browser string and send this back to the social media site that embedded the Cookie, enabling the
social media site to recognise that you have visited our Site. This applies irrespective of whether you have an account with that social media site. </p>
<p> </p>
<p> The retention period of targeting Cookies varies from the duration of your visit to the Site up to two years, depending on the purpose of the Cookie. </p>
<p> </p>
<p> We share data with following third parties: </p>
<p> </p>
<p> (1) Website infrastructure and service suppliers - We use third-party website infrastructure and service suppliers to help us build and manage our Site. We use third-party media agencies, ad exchanges and ad networks to manage
our Cookies. Cookie data is stored securely on these suppliers’ servers. Our service providers have been carefully selected and commissioned by us, are contractually bound by our instructions, and will not process your data for
any other purposes. </p>
<p> </p>
<p> (2) Verification - We may use third-party services to verify that you are a human user. Any information collected as part of such verification is subject to the privacy notice of the third-party service provider. </p>
<p> </p>
<p> (3) Third-party cookies setters – We use third parties for performance, functional, and, in some cases, targeting cookies. </p>
<p> </p>
<p> We do not respond to browser do-not-track signals at this time. </p>
<p> </p>
<p>
<strong>Disclosure of Personal Data Collected</strong>
</p>
<p> </p>
<p>
<em>We may disclose Personal Data for the following purposes: </em>
</p>
<p> </p>
<p style="margin-left:0.4in;text-indent:-0.16in">• Third-Party Service Providers. We may provide Personal Data to third-party service providers, who provide services to us, including but not limited to, data
analysis, order fulfillment, payment processing, marketing automation, and other services. Our services providers have been carefully selected and commissioned by us, are bound by contract, and process Personal Data for purposes
compatible with this Privacy Policy. </p>
<p> </p>
<p style="margin-left:0.4in;text-indent:-0.16in">• Affiliate Communications. In compliance with applicable laws, Moody’s may transfer Personal Data among our affiliates (a list of which is available at
<a href="/Affiliates_of_Moodys">www.moodys.com/Affiliates_of_Moodys</a>) to allow our affiliates to contact you regarding products, programs, services and promotions that they believe may be of interest to you, and such
affiliates may otherwise use your Personal Data in accordance with the privacy policy applicable to them as specified in the referenced above in this bullet. If you would prefer not to receive marketing communications from
Moody’s or our affiliates, please see the "Your Choices" section below. Moody’s Corporation will be the party responsible for jointly used Personal Data. </p>
<p> </p>
<p style="margin-left:0.4in;text-indent:-0.16in">• Strategic Partners and Co-Branded Sites. From time to time, we may enter into a special relationship with another company that is not owned by or affiliated
with Moody’s to provide or promote joint products, services, applications, or features (together, “Jointly Offered Items”). These special relationships may include co-branded web sites (“co-branded pages”). Any information,
including Personal Data, that you provide in connection with one of these Jointly Offered Items, and/or on one of these co-branded pages, will be shared with our third-party partners. You should check these third parties’ web
sites for information regarding their privacy practices. PLEASE NOTE THAT THIS PRIVACY STATEMENT DOES NOT ADDRESS THE PRIVACY OR INFORMATION PRACTICES OF ANY THIRD PARTIES. If you do not want Personal Data about you shared with
such third parties, please do not provide Personal Data in connection with the Jointly Offered Items and/or co-branded pages. </p>
<p> </p>
<p style="margin-left:0.4in;text-indent:-0.16in">• Third-Party Data Providers. If you subscribe to a Moody’s product or service that contains third-party data, we may be required to provide your Personal
Data to the third party as part of our reporting obligations. We will only do so if a third-party data provider conditions your receipt of their data on knowing your identity. </p>
<p> </p>
<p style="margin-left:0.4in;text-indent:-0.16in">• Conferences and Events. When you attend a conference or event organized by Moody’s, your name and contact information may be shared with other attendees and
co-hosts of the conference or event. </p>
<p> </p>
<p style="margin-left:0.4in;text-indent:-0.16in">• Promotions. We may share the Personal Data you provide in connection with Promotions with third-party sponsors of such Promotions (irrespective of whether
such Promotions are hosted by us), or otherwise in accordance with the rules applicable to those Promotions. </p>
<p> </p>
<p style="margin-left:0.4in;text-indent:-0.16in">• Assignment. We may disclose or transfer any and all Personal Data that we collect to an affiliated entity or a third party (and their respective advisors)
in the event of any reorganization, merger, sale, joint venture, assignment, transfer or other disposition of all or any portion of our business, assets or stock (including without limitation in connection with any bankruptcy or
similar proceedings). </p>
<p> </p>
<p style="margin-left:0.4in;text-indent:-0.16in">• Law Enforcement; Emergencies; Compliance. We may use and disclose Personal Data about you to others as we believe to be appropriate: (a) in compliance with
laws, rules, or regulations in any country in which Moody’s operates, including laws outside your country of residence; (b) to comply with legal process; (c) to respond to requests from government or public authorities,
including government and public authorities outside your country of residence; (d) to enforce our Terms of Use; (e) to protect our operations or those of any affiliated entities; (f) to protect the rights, privacy, safety or
property of Moody’s, its affiliated entities, you, or others; and (g) to permit us to pursue available remedies or limit the damages that we may sustain. For example, we may, to the fullest extent the law allows, disclose
Personal Data about you to law enforcement agencies to assist them in identifying individuals who have been or may be engaged in unlawful activities. Where we receive requests for Personal Data from domestic or foreign
government or public authorities, we will resist, narrow or challenge such requests as appropriate and to the extent permitted by applicable law. </p>
<p> </p>
<p> If you would like to receive more information on the third parties with whom we share your Personal Data, please contact us by using the information provided in the “Contact Information for Moody’s” section below. </p>
<p> </p>
<p>
<strong>Your Choices </strong>
</p>
<p> </p>
<p>
<em>We give you choices regarding our use and disclosure of your Personal Data for marketing purposes. </em>
</p>
<p> </p>
<p style="margin-left:0.4in;text-indent:-0.16in">• If you no longer want to receive marketing-related emails from us on a going-forward basis, you may stop receiving these marketing-related emails by sending
an e-mail to <a href="mailto:unsubscribe@moodys.com?subject=Unsubscribe%20from%20Marketing%20Emails%20(Privacy%20Policy)">unsubscribe@moodys.com</a>. </p>
<p> </p>
<p style="margin-left:0.4in;text-indent:-0.16in">• If you would prefer that we do not share your Personal Data on a going-forward basis with our affiliates or with unaffiliated third parties for their
marketing purposes, you may cease this sharing by sending an e-mail to <a href="mailto:unsubscribe@moodys.com?subject=Unsubscribe%20from%20Marketing%20Emails%20(Privacy%20Policy)">unsubscribe@moodys.com</a>. </p>
<p> </p>
<p> We will comply with your request(s) as soon as reasonably practicable, and in accordance with applicable law. Further, please note that requesting us not to share your Personal Data with affiliates or unaffiliated third
parties may result in you no longer receiving any marketing emails from Moody’s. Please also note that if you choose not to receive marketing-related messages from us, we may still send you important administrative messages, and
you cannot elect to stop receiving such administrative messages, unless you choose to stop receiving services from us. </p>
<p> </p>
<p> You may also indicate your choices regarding marketing-related emails by contacting us via postal mail or telephone using the information in the “Contact Information for Moody’s” section below, or if you have a Site
profile/account, by changing your preferences on your Site profile/account at any time. </p>
<p> </p>
<p>
<strong>How you can access, change or suppress your Personal Data </strong>
</p>
<p> </p>
<p> If you would like to request to review, correct, update, suppress, delete or otherwise limit our use of your Personal Data that has been previously provided to us, or if you would like to request to receive an electronic copy
of your Personal Data for purposes of transmitting it to another company (to the extent this right to data portability is provided to you by applicable law), you may make a request by contacting us using the information provided
in the “Contact Information for Moody’s” section below. We will respond to your request consistent with applicable law. For your protection, we may only implement requests with respect to the Personal Data associated with the
particular email address that you use to send us your request, and we may need to verify your identity before implementing your request. We will try to comply with your request as soon as reasonably practicable and consistent
with applicable law. Please note that we may need to retain certain information for recordkeeping purposes and/or to complete any transactions that you began prior to requesting the change or deletion. </p>
<p> </p>
<p>
<strong>Links </strong>
</p>
<p> </p>
<p> The Site may contain links to other Internet web sites, including social media sites and third-party hosted collaboration tools. These linked sites are not under Moody’s control. We provide links only as a convenience, and
Moody’s does not endorse or control, and is not responsible for, the privacy practices or the content of these linked sites. If you provide any Personal Data through any third-party web site, or choose to communicate with us
using third-party collaboration tools or other social media platforms, your transaction will occur on that third party's web site (not the Site) and the Personal Data you provide will be collected by, and controlled by the
privacy policy of, that third party. We recommend that you familiarize yourself with the privacy policies and practices of any such third parties. PLEASE NOTE THAT THIS PRIVACY POLICY DOES NOT ADDRESS THE PRIVACY OR INFORMATION
PRACTICES OF ANY THIRD PARTIES, INCLUDING, WITHOUT LIMITATION, AFFILIATED ENTITIES THAT DO NOT POST OR LINK DIRECTLY TO THIS PRIVACY POLICY. </p>
<p> </p>
<p>
<strong>Security Measures</strong>
</p>
<p> </p>
<p> Moody's has established appropriate organizational and technical measures, including external third-party audits for particular products and services, to protect Personal Data within our organization from loss, misuse, or
unauthorized access, disclosure, alteration or destruction. Moody’s has processes and procedures for suspected privacy breaches to notify regulators and affected individuals where required in accordance with applicable law.
Moody’s requires applicable vendors that process Personal Data on its behalf to complete privacy and security assessments and be bound by contractual terms. </p>
<p> </p>
<p>
<strong>Data Integrity </strong>
</p>
<p> </p>
<p> Moody’s will use Personal Data only in ways that are compatible with the purposes for which it was collected, authorized by this Privacy Policy, or authorized by you. Moody’s will take reasonable steps to ensure that Personal
Data is relevant to its intended use, and is accurate, complete, and current (as provided by you). Moody’s depends on you to update or correct your Personal Data whenever necessary. </p>
<p> </p>
<p>
<strong>Retention Period </strong>
</p>
<p> </p>
<p> We will retain Personal Data about you for as long as needed or permitted in light of the purpose(s) for which it was obtained and consistent with applicable law. The criteria used to determine our retention periods include:
(i) the length of time we have an ongoing relationship with you; (ii) whether there is a legal obligation to which we are subject; and (iii) whether retention is advisable in light of our legal position (such as in regard to
applicable statutes of limitations, litigation or regulatory investigations). </p>
<p> </p>
<p>
<strong>Cross Border Transfer of Personal Data </strong>
</p>
<p> </p>
<p> Your Personal Data may be stored and processed in any country where we have facilities or in which we engage service providers. In certain circumstances, courts, law enforcement agencies, regulatory agencies, or security
authorities in those other countries may be entitled to access your Personal Data. </p>
<p> </p>
<p> If you are located in the European Economic Area (“EEA”) or the UK: Some of the non-EEA countries are recognized by the European Commission as providing an adequate level of data protection according to EEA standards. The full
list of these countries is available on the EU Commission’s adequacy list online. For transfers from the UK and the EEA to countries not considered adequate by the European Commission, we have put in place adequate measures,
such as standard contractual clauses adopted by the European Commission and the UK, to protect your Personal Data. You may obtain a copy of these measures by contacting us using the information provided in the “Contact
Information for Moody’s” section below. </p>
<p> </p>
<p> If you are located in other countries, we will also ensure that we have appropriate legal grounds to perform cross-border transfers of your Personal Data. Where required in certain jurisdictions, we comply with requirements on
initial processing of Personal Data with the use of databases located in the country of collection of your Personal Data. </p>
<p> </p>
<p>
<strong>Use of this Site by Minors </strong>
</p>
<p> </p>
<p> This Site is not directed to individuals under the age of eighteen (18), and we request that these individuals do not provide Personal Data through this Site. </p>
<p> </p>
<p>
<strong>Sensitive Personal Data Restriction </strong>
</p>
<p> </p>
<p> Unless we specifically request for information to comply with applicable anti-money laundering laws and other applicable laws, we ask that you not send us, and you not disclose, any sensitive Personal Data (e.g., social
security numbers, passport numbers, information related to racial or ethnic origin, political opinions, religion or other beliefs, health, biometrics or genetic characteristics, criminal background or trade union membership) on
or through this Site or otherwise to us. </p>
<p> </p>
<p>
<strong>Contact Information for Moody’s </strong>
</p>
<p> </p>
<p> Questions or concerns regarding Moody's data protection practices should be addressed to: </p>
<p> </p>
<p> Legal Department<br> Moody’s Corporation<br> 7 World Trade Center at 250 Greenwich Street<br> New York, NY 10007<br> Phone: +1-212-553-1653 or 1-866-995-9659<br> E-mail:
<a href="mailto:privacy@moodys.com">privacy@moodys.com</a><br>
</p>
<p> </p>
<p> If you choose to contact Moody’s via e-mail about this Privacy Policy, please mark the subject heading of your e-mail “Privacy Inquiry.” </p>
<p> </p>
<p> In accordance with applicable laws, you may lodge a complaint with the data protection authority for your country or region, or where an alleged infringement of applicable data protection law occurs. </p>
<p> </p>
<p> In those countries where we are required to have appointed a data protection officer, you may contact the Data Protection Officer by sending an e-mail to <a href="mailto:privacy@moodys.com">privacy@moodys.com</a> with the
subject heading “DPO Inquiry.” </p>
<p> </p>
<p>
<strong>Additional Information for California </strong>
</p>
<p> </p>
<p> If you are a resident of California, the California Consumer Privacy Act (“CCPA”) (Civil Code §§ 1798.100 et seq. and its regulations) provides you with specific rights regarding your Personal Data. These include: </p>
<p> </p>
<p style="margin-left:0.4in;text-indent:-0.16in">• You can request information about our collection, use and disclosure of your Personal Data over the past twelve (12) months concerning: (i) the categories
of Personal Data we collected about you, (ii) the business or commercial purpose for collecting your Personal Data, (iii) the categories of sources from which your Personal Data is collected, and (iv) the categories of third
parties with whom we share your Personal Data. You can request a list disclosing the categories of your Personal Data we have shared in connection with a business purpose. </p>
<p style="margin-left:0.4in;text-indent:-0.16in">• You can request to correct any inaccurate Personal Data we maintain about you. </p>
<p style="margin-left:0.4in;text-indent:-0.16in">• You can request to receive a copy of your Personal Data in a commonly used and machine-readable format. </p>
<p style="margin-left:0.4in;text-indent:-0.16in">• You can request that we delete your Personal Data, subject to certain exceptions. </p>
<p style="margin-left:0.4in;text-indent:-0.16in">• You can request to limit a use or disclosure of sensitive personal information if expressly stated in a privacy policy or statement applicable to a specific
Moody’s affiliate’s website, product or service. </p>
<p> </p>
<p> To exercise the rights described above, it may be necessary for us to verify your identity or authority to make the request and confirm the Personal Data relates to you. Only you, or a person registered with the California
Secretary of State that you authorize to act on your behalf, may make a verifiable consumer request related to your Personal Data. We will not discriminate against you for exercising any of your privacy rights under CCPA or
applicable law. </p>
<p> </p>
<p> During the past twelve (12) months, we collected the categories of Personal Data described above from California residents. We also disclosed such Personal Data to third parties for the purposes specified above during the past
twelve (12) months. </p>
<p> </p>
<p> Unless expressly stated in a privacy policy or statement applicable to a specific Moody’s affiliate’s website, product or service: Moody’s does not sell your Personal Data and Moody’s does not use or disclose sensitive
personal information for purposes requiring notice by CCPA. Moody’s does not have actual knowledge that it sells or shares the personal information of consumers under 16 years of age. </p>
<p> </p>
<p> You may exercise any of the rights described in this section by contacting us using the information provided in the “Contact Information for Moody’s” section above. </p>
<p> </p>
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LAST UPDATED: June 15, 2023
Moody’s respects and values your privacy. This Privacy Policy explains how we
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For the purposes of this Privacy Policy, “Moody’s”, "we", "us", and "our" means
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profile.
• Moody’s may collect Personal Data voluntarily provided by you, including in
emails, online forms, order and registration forms, surveys, promotion
participation, online chats, phone calls, and through other means.
• Moody’s may request Personal Data from our customers to comply with
applicable anti-money laundering laws and other applicable laws.
• On some of Moody’s Sites, including www.moodys.com, you are able to
maintain "portfolios," where, if you are a registered user, you have the option
to list financial instruments in which you have a special interest. To be
useful, this information must be stored on the Site, and is accessible to anyone
with whom you share your username and password. For this reason, please
safeguard your username and password carefully and do not disclose them to any
other person.
• We may use third-party payment services (each, a "Payment Service") to
collect payments made through the Site. If you wish to make a payment through
the Site, you may be directed to a webpage that is hosted by a Payment Service
(or a Payment Service's service providers) and not by Moody’s. Any Personal Data
that you provide through a Payment Service page will be collected by the Payment
Service and not by Moody’s, and will be subject to Payment Service's privacy
policy, rather than this Privacy Policy. Moody’s has no control over, and is not
responsible for, a Payment Service's use of information collected through a
Payment Service page.
• Products. For information regarding our processing of Personal Data in
connection with our products, please see our separate GRID Privacy Notice, Orbis
Privacy Notice, The Nordic PEP List Privacy Notice, and ESG Assessments Privacy
Notice.
• Moody’s collects information through various other means, including
searches online, participation at conferences and events, individual
introductions, from employers that enroll their employees in our services or
provide services to us, and from selected third-party business partners. From
time to time, we may also acquire from third parties certain lists containing
the names and contact information of individuals who may be interested in our
products and services.
Use of Personal Data Collected
We use Personal Data transparently and in compliance with applicable law, for
legitimate business purposes, including the following:
• Fulfillment of Requests. Moody’s may use Personal Data about you to deliver
products and services to you, and to provide you with information about products
and services you’ve ordered. We will engage in these activities to manage our
contractual relationship with you and to fulfil our contractual obligations.
• Marketing Communications. From time to time, in compliance with applicable
laws, we may use Personal Data about you to inform you of products, programs,
services and promotions that we believe may be of interest to you. If your
employer is a Moody’s customer, we may also inform you of such products,
programs, services and promotions using Personal Data about you that your
employer provided to Moody’s. We may also use Personal Data of media contacts
for press release distribution or sharing other newsworthy developments related
to our business activities. If you would prefer that we not send electronic
marketing messages to you, please see the "Your Choices" section below.
• Promotions. We may operate sweepstakes, contests and similar promotions
(collectively, "Promotions"). If you choose to enter Moody’s Promotions, we may
require certain Personal Data when you enter and, if applicable, win a
Promotion. You should carefully review the rules of each Promotion in which you
participate, as they may contain additional important information about our use
of Personal Data about you. To the extent that the terms and conditions of such
rules concerning the treatment of your Personal Data conflict with this Privacy
Policy, the terms and conditions of such rules shall control. We will use this
information to operate the Promotions.
• Other Business Purposes. We may also use Personal Data about you for other
business purposes, such as data analysis (for example, to improve the efficiency
of our services), editorial and feedback purposes, providing customer support,
customizing and improving the content and layout of the Site, completing
business transactions (for example, to confirm content requested is received by
customers), development and delivery of marketing and promotion plans and
materials, statistical analysis of user behavior (for example, to understand
what parts of the Site are of most interest to users), product development,
receipt of services from you or your employer, conducting surveys and market
research, and administering individual accounts.
• Administrative Communications. Moody’s reserves the right to use Personal
Data to send to you important information regarding the Site, products,
services, your account status, the User Agreement, this Privacy Policy, or any
other policies, agreements or transactions relevant to your use of the Site,
products and/or services. Because this information may be important to your use
of the Site, products and/or services, you may not opt-out of receiving such
communications. We will engage in this activity to manage our contractual
relationship with you and/or to comply with a legal obligation.
• Compliance with law and regulation. We may use Personal Data as necessary
to comply with applicable legal and regulatory requirements such as sales tax
collection, audits, etc.
• Moody’s uses Personal Data for purposes compatible with those notified in
this Privacy Policy and any other online or offline applicable privacy notice,
and in accordance with applicable law. Where required by applicable law, we will
only use Personal Data with your consent.
Cookies and Other Tracking Technologies
We use cookies and similar technologies (collectively, “Cookies”) on our
websites
Essential Cookies
Essential Cookies are necessary for the Site to function and cannot be switched
off without affecting the use of the Site. Essential Cookies are usually only
set in response to specific actions you take on the Site, such as retaining
search results where you use an internal search function or setting your Cookies
preferences.
Essential Cookies seldom collect and use any Personal Data, though they may
contain an ID code which allows the Site to distinguish you as an individual
visitor from all other visitors on the Site at the same time. These types of
unique ID code are used to maintain a server session to enable functions you
have requested. Essential Cookies are typically session Cookies and only retain
data for the duration of your visit to the Site.
We use essential Cookies as we believe it is in both our and your legitimate
interests to enable the Site to work properly.
Functional Cookies
Moody’s uses functional Cookies to understand how the Site is used and to
customise and enhance the Internet experience of users. When you revisit the
Site, Moody’s may recognise you by a functional Cookie and customise your
experience. For example, once you have completed the registration process, a
functional Cookie will be used to avoid you having to register again. We believe
functional Cookies add value to the user experience. The retention period of
Functional Cookies varies from the duration of your visit to the Site up to two
years, depending on the purpose of the Cookie.
Performance Cookies
We use performance Cookies to collect and/or track information such as
demographic information, domain names, computer type, browser types, screen
resolution, and other statistical data involving the use of the Site. We use
performance Cookies to help us understand who uses the Site and to improve and
market it, as well as our other services.
We also use performance Cookies in connection with Site pages and email messages
in certain formats to, among other things, track the actions of Site users and
email recipients, to determine the success of marketing campaigns and to compile
statistics about Site usage and response rates. When used in email messages in
certain formats, performance Cookies tell us whether and when the email has been
opened.
We use Google Analytics to collect and analyse information about Site use and to
report on activities and trends. Google Analytics may also collect information
regarding your use of other websites, apps and online resources. The data we
receive from Google Analytic Cookies is aggregated and anonymous, it is not
personal data. However, Google may process personal data about you to provide us
with aggregated data about our Site visitors. You can learn more about Google’s
practices here, and opt out of Google Analytics by downloading the Google
Analytics opt-out browser add-on.
When you visit and interact with the Site, we collect Internet Protocol (IP)
addresses. Your IP address is a number that is automatically assigned to the
computer that you are using by your Internet Service Provider (ISP). This number
is identified and logged automatically in our server log files whenever you
visit the Site, along with the time(s) of your visit(s) and the page(s) that you
visited. We use IP addresses to understand how the Site is used by our users, to
improve the Site and to enhance user experience of the Site. We may also derive
your approximate location from your IP address.
The retention period of performance Cookies varies from the duration of your
visit to the Site up to two years, depending on the purpose of the Cookie. For
example, a Cookie set for 24 hours to count you as a unique visitor to the Site
on that day, or a Cookie set for two years, to remember you as a returning
visitor.
Targeting Cookies
On certain pages, we use third-party advertising companies to serve
advertisements regarding our products and services that may be of interest to
you when you access and use the Site, our apps and other websites or online
services, based on information relating to your access to and use of the Site
and other websites or online services on any of your devices. To do so, these
advertising companies place or recognise a unique Cookie on your browser,
including using pixel tags. Advertising Cookies store unique IDs that are
associated with a profile on our advertising partners’ servers. These profiles
record your browsing behaviour and actions linked to your browsing information,
such as actions you take on the Site (links clicked, or buttons clicked), as
well as technical specifications about your device and your location (based on
your IP address). Google’s advertising Cookies may also link to your Google ID,
if you are logged into your account while on our Site, building a detailed
profile about you. The retention period of advertising Cookies varies typically
from 30 days to 9 months, depending on the length of our specific advertising
campaigns.
We also may use social media Cookies linking to ‘Like’ buttons and ‘Share’
buttons on social media. We use advertising and social media Cookies to show you
relevant, not irrelevant, ads, and avoid you being repeatedly shown the same ad,
and to enable you to ‘Like’ or ‘Share’ our content on social media. Social media
Cookies collect your IP address and browser string and send this back to the
social media site that embedded the Cookie, enabling the social media site to
recognise that you have visited our Site. This applies irrespective of whether
you have an account with that social media site.
The retention period of targeting Cookies varies from the duration of your visit
to the Site up to two years, depending on the purpose of the Cookie.
We share data with following third parties:
(1) Website infrastructure and service suppliers - We use third-party website
infrastructure and service suppliers to help us build and manage our Site. We
use third-party media agencies, ad exchanges and ad networks to manage our
Cookies. Cookie data is stored securely on these suppliers’ servers. Our service
providers have been carefully selected and commissioned by us, are contractually
bound by our instructions, and will not process your data for any other
purposes.
(2) Verification - We may use third-party services to verify that you are a
human user. Any information collected as part of such verification is subject to
the privacy notice of the third-party service provider.
(3) Third-party cookies setters – We use third parties for performance,
functional, and, in some cases, targeting cookies.
We do not respond to browser do-not-track signals at this time.
Disclosure of Personal Data Collected
We may disclose Personal Data for the following purposes:
• Third-Party Service Providers. We may provide Personal Data to third-party
service providers, who provide services to us, including but not limited to,
data analysis, order fulfillment, payment processing, marketing automation, and
other services. Our services providers have been carefully selected and
commissioned by us, are bound by contract, and process Personal Data for
purposes compatible with this Privacy Policy.
• Affiliate Communications. In compliance with applicable laws, Moody’s may
transfer Personal Data among our affiliates (a list of which is available at
www.moodys.com/Affiliates_of_Moodys) to allow our affiliates to contact you
regarding products, programs, services and promotions that they believe may be
of interest to you, and such affiliates may otherwise use your Personal Data in
accordance with the privacy policy applicable to them as specified in the
referenced above in this bullet. If you would prefer not to receive marketing
communications from Moody’s or our affiliates, please see the "Your Choices"
section below. Moody’s Corporation will be the party responsible for jointly
used Personal Data.
• Strategic Partners and Co-Branded Sites. From time to time, we may enter
into a special relationship with another company that is not owned by or
affiliated with Moody’s to provide or promote joint products, services,
applications, or features (together, “Jointly Offered Items”). These special
relationships may include co-branded web sites (“co-branded pages”). Any
information, including Personal Data, that you provide in connection with one of
these Jointly Offered Items, and/or on one of these co-branded pages, will be
shared with our third-party partners. You should check these third parties’ web
sites for information regarding their privacy practices. PLEASE NOTE THAT THIS
PRIVACY STATEMENT DOES NOT ADDRESS THE PRIVACY OR INFORMATION PRACTICES OF ANY
THIRD PARTIES. If you do not want Personal Data about you shared with such third
parties, please do not provide Personal Data in connection with the Jointly
Offered Items and/or co-branded pages.
• Third-Party Data Providers. If you subscribe to a Moody’s product or
service that contains third-party data, we may be required to provide your
Personal Data to the third party as part of our reporting obligations. We will
only do so if a third-party data provider conditions your receipt of their data
on knowing your identity.
• Conferences and Events. When you attend a conference or event organized by
Moody’s, your name and contact information may be shared with other attendees
and co-hosts of the conference or event.
• Promotions. We may share the Personal Data you provide in connection with
Promotions with third-party sponsors of such Promotions (irrespective of whether
such Promotions are hosted by us), or otherwise in accordance with the rules
applicable to those Promotions.
• Assignment. We may disclose or transfer any and all Personal Data that we
collect to an affiliated entity or a third party (and their respective advisors)
in the event of any reorganization, merger, sale, joint venture, assignment,
transfer or other disposition of all or any portion of our business, assets or
stock (including without limitation in connection with any bankruptcy or similar
proceedings).
• Law Enforcement; Emergencies; Compliance. We may use and disclose Personal
Data about you to others as we believe to be appropriate: (a) in compliance with
laws, rules, or regulations in any country in which Moody’s operates, including
laws outside your country of residence; (b) to comply with legal process; (c) to
respond to requests from government or public authorities, including government
and public authorities outside your country of residence; (d) to enforce our
Terms of Use; (e) to protect our operations or those of any affiliated entities;
(f) to protect the rights, privacy, safety or property of Moody’s, its
affiliated entities, you, or others; and (g) to permit us to pursue available
remedies or limit the damages that we may sustain. For example, we may, to the
fullest extent the law allows, disclose Personal Data about you to law
enforcement agencies to assist them in identifying individuals who have been or
may be engaged in unlawful activities. Where we receive requests for Personal
Data from domestic or foreign government or public authorities, we will resist,
narrow or challenge such requests as appropriate and to the extent permitted by
applicable law.
If you would like to receive more information on the third parties with whom we
share your Personal Data, please contact us by using the information provided in
the “Contact Information for Moody’s” section below.
Your Choices
We give you choices regarding our use and disclosure of your Personal Data for
marketing purposes.
• If you no longer want to receive marketing-related emails from us on a
going-forward basis, you may stop receiving these marketing-related emails by
sending an e-mail to unsubscribe@moodys.com.
• If you would prefer that we do not share your Personal Data on a
going-forward basis with our affiliates or with unaffiliated third parties for
their marketing purposes, you may cease this sharing by sending an e-mail to
unsubscribe@moodys.com.
We will comply with your request(s) as soon as reasonably practicable, and in
accordance with applicable law. Further, please note that requesting us not to
share your Personal Data with affiliates or unaffiliated third parties may
result in you no longer receiving any marketing emails from Moody’s. Please also
note that if you choose not to receive marketing-related messages from us, we
may still send you important administrative messages, and you cannot elect to
stop receiving such administrative messages, unless you choose to stop receiving
services from us.
You may also indicate your choices regarding marketing-related emails by
contacting us via postal mail or telephone using the information in the “Contact
Information for Moody’s” section below, or if you have a Site profile/account,
by changing your preferences on your Site profile/account at any time.
How you can access, change or suppress your Personal Data
If you would like to request to review, correct, update, suppress, delete or
otherwise limit our use of your Personal Data that has been previously provided
to us, or if you would like to request to receive an electronic copy of your
Personal Data for purposes of transmitting it to another company (to the extent
this right to data portability is provided to you by applicable law), you may
make a request by contacting us using the information provided in the “Contact
Information for Moody’s” section below. We will respond to your request
consistent with applicable law. For your protection, we may only implement
requests with respect to the Personal Data associated with the particular email
address that you use to send us your request, and we may need to verify your
identity before implementing your request. We will try to comply with your
request as soon as reasonably practicable and consistent with applicable law.
Please note that we may need to retain certain information for recordkeeping
purposes and/or to complete any transactions that you began prior to requesting
the change or deletion.
Links
The Site may contain links to other Internet web sites, including social media
sites and third-party hosted collaboration tools. These linked sites are not
under Moody’s control. We provide links only as a convenience, and Moody’s does
not endorse or control, and is not responsible for, the privacy practices or the
content of these linked sites. If you provide any Personal Data through any
third-party web site, or choose to communicate with us using third-party
collaboration tools or other social media platforms, your transaction will occur
on that third party's web site (not the Site) and the Personal Data you provide
will be collected by, and controlled by the privacy policy of, that third party.
We recommend that you familiarize yourself with the privacy policies and
practices of any such third parties. PLEASE NOTE THAT THIS PRIVACY POLICY DOES
NOT ADDRESS THE PRIVACY OR INFORMATION PRACTICES OF ANY THIRD PARTIES,
INCLUDING, WITHOUT LIMITATION, AFFILIATED ENTITIES THAT DO NOT POST OR LINK
DIRECTLY TO THIS PRIVACY POLICY.
Security Measures
Moody's has established appropriate organizational and technical measures,
including external third-party audits for particular products and services, to
protect Personal Data within our organization from loss, misuse, or unauthorized
access, disclosure, alteration or destruction. Moody’s has processes and
procedures for suspected privacy breaches to notify regulators and affected
individuals where required in accordance with applicable law. Moody’s requires
applicable vendors that process Personal Data on its behalf to complete privacy
and security assessments and be bound by contractual terms.
Data Integrity
Moody’s will use Personal Data only in ways that are compatible with the
purposes for which it was collected, authorized by this Privacy Policy, or
authorized by you. Moody’s will take reasonable steps to ensure that Personal
Data is relevant to its intended use, and is accurate, complete, and current (as
provided by you). Moody’s depends on you to update or correct your Personal Data
whenever necessary.
Retention Period
We will retain Personal Data about you for as long as needed or permitted in
light of the purpose(s) for which it was obtained and consistent with applicable
law. The criteria used to determine our retention periods include: (i) the
length of time we have an ongoing relationship with you; (ii) whether there is a
legal obligation to which we are subject; and (iii) whether retention is
advisable in light of our legal position (such as in regard to applicable
statutes of limitations, litigation or regulatory investigations).
Cross Border Transfer of Personal Data
Your Personal Data may be stored and processed in any country where we have
facilities or in which we engage service providers. In certain circumstances,
courts, law enforcement agencies, regulatory agencies, or security authorities
in those other countries may be entitled to access your Personal Data.
If you are located in the European Economic Area (“EEA”) or the UK: Some of the
non-EEA countries are recognized by the European Commission as providing an
adequate level of data protection according to EEA standards. The full list of
these countries is available on the EU Commission’s adequacy list online. For
transfers from the UK and the EEA to countries not considered adequate by the
European Commission, we have put in place adequate measures, such as standard
contractual clauses adopted by the European Commission and the UK, to protect
your Personal Data. You may obtain a copy of these measures by contacting us
using the information provided in the “Contact Information for Moody’s” section
below.
If you are located in other countries, we will also ensure that we have
appropriate legal grounds to perform cross-border transfers of your Personal
Data. Where required in certain jurisdictions, we comply with requirements on
initial processing of Personal Data with the use of databases located in the
country of collection of your Personal Data.
Use of this Site by Minors
This Site is not directed to individuals under the age of eighteen (18), and we
request that these individuals do not provide Personal Data through this Site.
Sensitive Personal Data Restriction
Unless we specifically request for information to comply with applicable
anti-money laundering laws and other applicable laws, we ask that you not send
us, and you not disclose, any sensitive Personal Data (e.g., social security
numbers, passport numbers, information related to racial or ethnic origin,
political opinions, religion or other beliefs, health, biometrics or genetic
characteristics, criminal background or trade union membership) on or through
this Site or otherwise to us.
Contact Information for Moody’s
Questions or concerns regarding Moody's data protection practices should be
addressed to:
Legal Department
Moody’s Corporation
7 World Trade Center at 250 Greenwich Street
New York, NY 10007
Phone: +1-212-553-1653 or 1-866-995-9659
E-mail: privacy@moodys.com
If you choose to contact Moody’s via e-mail about this Privacy Policy, please
mark the subject heading of your e-mail “Privacy Inquiry.”
In accordance with applicable laws, you may lodge a complaint with the data
protection authority for your country or region, or where an alleged
infringement of applicable data protection law occurs.
In those countries where we are required to have appointed a data protection
officer, you may contact the Data Protection Officer by sending an e-mail to
privacy@moodys.com with the subject heading “DPO Inquiry.”
Additional Information for California
If you are a resident of California, the California Consumer Privacy Act
(“CCPA”) (Civil Code §§ 1798.100 et seq. and its regulations) provides you with
specific rights regarding your Personal Data. These include:
• You can request information about our collection, use and disclosure of
your Personal Data over the past twelve (12) months concerning: (i) the
categories of Personal Data we collected about you, (ii) the business or
commercial purpose for collecting your Personal Data, (iii) the categories of
sources from which your Personal Data is collected, and (iv) the categories of
third parties with whom we share your Personal Data. You can request a list
disclosing the categories of your Personal Data we have shared in connection
with a business purpose.
• You can request to correct any inaccurate Personal Data we maintain about
you.
• You can request to receive a copy of your Personal Data in a commonly used
and machine-readable format.
• You can request that we delete your Personal Data, subject to certain
exceptions.
• You can request to limit a use or disclosure of sensitive personal
information if expressly stated in a privacy policy or statement applicable to a
specific Moody’s affiliate’s website, product or service.
To exercise the rights described above, it may be necessary for us to verify
your identity or authority to make the request and confirm the Personal Data
relates to you. Only you, or a person registered with the California Secretary
of State that you authorize to act on your behalf, may make a verifiable
consumer request related to your Personal Data. We will not discriminate against
you for exercising any of your privacy rights under CCPA or applicable law.
During the past twelve (12) months, we collected the categories of Personal Data
described above from California residents. We also disclosed such Personal Data
to third parties for the purposes specified above during the past twelve (12)
months.
Unless expressly stated in a privacy policy or statement applicable to a
specific Moody’s affiliate’s website, product or service: Moody’s does not sell
your Personal Data and Moody’s does not use or disclose sensitive personal
information for purposes requiring notice by CCPA. Moody’s does not have actual
knowledge that it sells or shares the personal information of consumers under 16
years of age.
You may exercise any of the rights described in this section by contacting us
using the information provided in the “Contact Information for Moody’s” section
above.
Moodys.com
MOODY'S INTEGRITY HOTLINE
Via the Internet:
https://Moodys.ethicspoint.com
By telephone from the United States:
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By telephone from outside the United States:
Dial the AT&T Direct Dial Access® code for
your location.
Then, at the prompt, dial 866-330-MDYS
(866-330-6397).
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