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Guide, Feedback, and Issue Reporting

 * Privacy Policy
 * Cookies Notice



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PRIVACY POLICY

LAST UPDATED: MARCH 14 2024

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.

 

For the purposes of this Privacy Policy, “Moody’s”, "we", "us", and "our" means
Moody Corporation and its affiliates listed at
www.moodys.com/MoodysGroupAffiliates.

 

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.

 

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.

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COLLECTION OF PERSONAL DATA

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.

 

 * 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.
 * 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.
 * 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.
   * Our commercial real estate information products and services contain
     limited Personal Data (name, address and telephone number) about commercial
     property owners, brokers, tenants, buyers and sellers, who may at times be
     individuals and not corporate entities. We source this Personal Data
     directly and indirectly (via information providers) from public records,
     including county-level tax data and Secretary of State LLC, publicly-
     available websites, and crowdsourcing.
   * Information displayed in Moody’s Analytics Pulse Business Profiles. Moody’s
     collects information about businesses to produce the business profiles
     displayed through the Moody’s Analytics Pulse site. Moody’s primarily
     collects this business information offline. This business information may
     include the names and contact information for business owners or
     executives, such as postal addresses, email addresses, or phone numbers.
     Some of this public information comes from federal, state, or local
     government public records.
   * Our NewsEdge product may contain limited Personal Data about executives,
     officers, managers, investors, and individual shareholders of organizations
     mentioned in news stories. We source this Personal Data directly and
     indirectly (via information providers) from public records (such as SEC
     filings), corporate disclosures and press releases, publicly available
     websites, newsfeeds, newspapers and magazines.
   * For information regarding our processing of Personal Data in connection
     with our other 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.

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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.
 * Submission on Moody’s Analytics Pulse. We store and may publicly display your
   submissions in order to provide the services that we offer. When we display
   your submissions, we do so together with the user identification code (the
   “User ID”) you have established. If we display your submission, we may also
   contact you at the request of other users who wish to discuss your submission
   with you. We will not reveal your contact information to other users. The
   term “submissions” refers to the information that you submit or post to the
   Moody’s Analytics Pulse site for public display, such as business ratings and
   reviews. There may be exceptions where your name and email address domain is
   shared with other members of the Moody’s Analytics Pulse site when you elect
   to participate in discussions with other members. For example, within the
   Circles offering, if you create or reply to a discussion thread, your first
   and last name will be displayed along with your submission to the members of
   your Circle. Another example is, if you apply to join a Circle, your name and
   email address domain will be displayed to the manager of that Circle so that
   the manager can evaluate your application to join the Circle.
 * 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.

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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.

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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.

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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.

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HOW YOU CAN ACCESS, CHANGE OR SUPPRESS YOUR PERSONAL DATA

If the right is provided to you by applicable law and 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, 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.

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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.

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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.

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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.

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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).

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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.

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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.

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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.

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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.”

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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 natural person or a business entity that you have
authorized 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.

 

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.

 

In the last twelve (12) months, we sold products and services that include
limited Personal Data about:
 

 * Residents of California who are executives, officers, managers, investors,
   and individual shareholders of organizations.
 * Residents of California who are commercial property owners, brokers, tenants,
   buyers and sellers.
 * Residents of California who are affiliated with payment, purchasing and
   procurement for organizations.

 

To the extent the Personal Data is not excluded from the definition of personal
information under CCPA, such as due to being publicly available, California
residents have the right to opt-out of the sale of that Personal Data to third
parties. You may exercise this right here.

 

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.

 

To the extent Moody’s processes personal information subject to CCPA as a
service provider, we do so according to these terms.

--------------------------------------------------------------------------------

CONTACT US

AMERICAS

+1.212.553.1653

 

EMEA

+44.20.7772.5454

ASIA PACIFIC

+852.3551.3077

 

JAPAN

+81.3.5408.4100

© 2024 Moody’s Corporation, Moody’s Investors Service, Inc., Moody’s Analytics,
Inc. and/or their licensors and affiliates (collectively, “MOODY’S”). All rights
reserved.

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