Our Commitment to Privacy
The Kreller Group Family of Companies includes Kreller Business Information Group, Inc. (dba Kreller Group), Kreller Solutions, Inc. (dba Kreller Credit), The Kreller Consulting Group, Inc. and Kreller Smith Brandon, Inc. (dba Smith Brandon International). As a global company which conducts business in the electronic marketplace, we believe that it is our responsibility to set industry‐leading standards in our approach to the protection of Personal Information. Not only do we strive to collect, use and disclose Personal Information in a manner consistent with the laws of the countries in which we do business, but we also aim to uphold the highest ethical standards in our business practices.
We comply with the Fair Credit Reporting Act (FCRA) and all federal, state and country‐specific legal requirements. As part of our commitment to privacy, Kreller complies with the EU General Protection Regulation (‘GDPR’) in respect of any personal data we process on behalf of our clients who are subject to the GDPR as data controllers. See our GDPR policy below for details.
Privacy Shield Policy
While the legal value of Privacy Shield participation has been invalidated from a GDPR perspective, Kreller continues its participation and maintains our obligations with respect to transfers made under the Privacy Shield Framework. We feel it is an important framework which demonstrates our commitment to protect personal information in accordance with a set of privacy principles that offer meaningful privacy protections and recourse for EU individuals. Kreller also utilizes Standard Contractual Clauses with Data Controllers by request.
Definitions of Terms Used
“Personal Information” means information that is transferred from the EU, UK or Switzerland to the U.S.; is recorded in any form; and pertains to a specific individual or can be used to identify an individual, either directly or indirectly.
“Sensitive Personal Information” means Personal Information specifying medical or health conditions, racial or ethnic origin, political opinions or philosophical beliefs, trade union memberships or information concerning the sex life of the individual.
“Agent” means any third party that uses Personal Information provided by Kreller to perform tasks on behalf of or at the instruction of Kreller and who is bound by a Confidentiality Agreement.
“Processing” of Personal Information means any operation or set of operations which is performed upon personal data, whether or not by automatic means, such as collection, recording, organization, storage, adaptation or alteration, retrieval, consultation, use, disclosure by transmission, dissemination or otherwise making available, alignment or combination, blocking, erasure or destruction.
Notice, Choice & Accountability for Onward Transfer
Kreller does not collect Personal Information about individuals through its websites except when such individuals specifically provide such information on a voluntary basis such as through our subscription registration for news or blog updates, a request for samples or Whitepapers, employment submissions via the website or via an email sent to us through our website.
Kreller enters into agreements with client organizations that provide us with individuals’ Personal Information in order for us to provide investigative or business credit services in a manner consistent with and limited to the purpose for which the data subject provided their Personal Information. Kreller is committed to safeguarding our client confidences, including any Personal Information received from or about our clients or from or about their third party business associates, including information which is hosted Kreller’s Case Management System. Kreller will not share Personal Information with third parties for purposes other than those in support of Kreller’s business operations and as necessary to facilitate the purpose for which it was provided. Kreller personnel, third party agents and third party administrators are required to treat this information confidentially and to use and disclose it only to provide the services for which Kreller was retained. Accordingly, Kreller has in place written agreements with client organizations using our services, as well as our third party agents and administrators which require, amongst other things, that parties safeguard Personal Information, and abide by all applicable laws. For our clients who are subject to the GDPR, the agreements will set forth a permissible basis for the onward transfer of Personal Information from the EU, EEA, UK or Switzerland to the United States. Except as set forth in this privacy statement, Kreller does not disclose Personal Information received from its clients to third parties without its clients’ consent. To the extent permitted by Privacy Shield, the FCRA and other applicable laws, Kreller reserves the right to process Personal Information in the course of our internal business operation without the knowledge of the individuals involved. Kreller does not provide Personal Information to third parties for their marketing purposes. In cases of onward transfer of EU Personal Data, Kreller has the responsibility for the processing of personal data it receives under Privacy Shield and subsequently transfer to a third party acting as an agent on its behalf. Kreller shall remain liable if the agents we engage to process such personal information do so in a manner inconsistent with the Privacy Shield Principles, unless Kreller proves that it is not responsible for the event giving rise to the damage.
Kreller will offer individuals the opportunity to choose (opt out) whether their Personal Information is (a) to be disclosed to a non-Agent or non-third party administrator or (c) to be used for a purpose other than the purpose for which it was originally collected or subsequently authorized by the individual. For Sensitive Personal Information, we will give individuals the opportunity to affirmatively and explicitly (opt in) consent to the disclosure of the information to a non-Agent third party or non-third party administrator or the use of the information for a purpose other than the purpose for which it was originally collected or subsequently authorized by the individual.
In the event you decide that you want to opt out from Kreller’s use of your Personal Information that you previously provided to Kreller, notify us by email at: email@example.com.
We may also be required to disclose your Personal Information in response to lawful requests by public authorities having jurisdiction over Kreller, including to meet national security or law enforcement requirements. We may also use or disclose your Personal Information, if necessary, to protect and defend the rights or interest of Kreller or others.
Kreller may, as a result of a sale, merger, consolidation, change in control, transfer of assets, reorganization or liquidation of our company, transfer, sell or assign your Personal Information to third parties involved in the aforementioned events.
Security, Data Integrity and Purpose Limitation
Kreller combines technical and physical safeguards with employee policies and procedures to protect your Personal Information from loss, misuse, unauthorized access, disclosure, alteration and destruction. Kreller employs Secure Socket Layer (SSL) data encryption when data is transmitted over the Internet to our Website. We have installed layered firewalls and other security technologies to help prevent unauthorized access to our systems. The servers used to store Personal Information are maintained in a secure environment with appropriate security measures. Password protection protocols are utilized on all computers.
Kreller will use your Personal Information only in a manner that is compatible with the purpose for which it was collected or authorized by the individual or our client. Kreller will take commercially reasonable measures to ensure that Personal Information is accurate, complete, current, and otherwise reliable with regard to its intended use. Data will be retained only for as long as it serves its relevant purpose and in consideration of correlated compliance and legal considerations.
Kreller acknowledges that EU individuals have the right to access the personal information that we maintain about them. Upon request, and with proof of identity, we will grant individuals reasonable access to their Personal Information that Kreller holds about them in response to a lawful request by public authorities having jurisdiction over Kreller. Under such circumstances, Kreller will allow individuals to correct, amend, or delete that information that is demonstrated to be inaccurate or incomplete except where providing such access would be unreasonably burdensome or expensive in the circumstances or where the rights of persons other than the individual would be violated as a result. Additionally, access to Personal Information will be granted under the terms of the Fair Credit Reporting Act when information is processed or obtained related to a request which qualifies under the Fair Credit Reporting Act. Although we make every effort to ensure that the data we collect and store about you is as accurate as possible, we cannot guarantee that third parties are accurate in information that they transmit and therefore we are not responsible for the accuracy of the data that may be supplied by any third-party sources of information or our clients.
Recourse, Enforcement and Liability
Kreller is subject to the investigatory and enforcement powers of the Federal Trade Commission in connection with the processing of your Personal Information under the Privacy Shield Framework.
Dispute Resolution for EU and Swiss Individuals
Kreller has further committed to refer unresolved privacy complaints under the Privacy Shield Principles to an independent dispute resolution mechanism, the BBB EU PRIVACY SHIELD, operated by BBB National Programs. If you do not receive timely acknowledgment of your complaint, or if your complaint is not satisfactorily addressed, please visit https://bbbprograms.org/privacy-shield-complaints/ for more information and to file a complaint. This service is provided free of charge to you.
Please note that if your complaint is not resolved through the above channels, under limited circumstances, a binding arbitration option may be available before a Privacy Shield Panel.
- What information we collect and why
- How we use the information
- What choices you have with respect to the information
What information do we collect?
“Personal information” is any information that can be used to identify you or that we can link to you. We may collect and process personal information about you in the course of our business:
- through your use of our website;
- if you apply for employment or become employed by us;
- if you are a supplier/partner;
- if you are a client;
- when we are engaged for business credit and debt collection services; or
- as a result of your relationship with one or more of our staff or clients.
The following categories of personal information may be collected and processed:
- Contact information: your name, position, role, company or organization, telephone, email and postal address;
- Business information: data identifying you in relation to matters on which you instruct us or in which you are involved;
- Your logon ID and password: for access to Kreller’s KOL platform;
- Supplier/partner data: contact details and other information about you or your company or organization where you provide products or services to Kreller;
- Social media: posts, Likes, tweets and other interactions with our social media presence;
- Technical information: when you visit our website and other platforms—information collected through cookies and other tracking technologies such as IP address, URL, browser type and version, time zone setting, traffic data, location data, browser plug-in types and versions, operating system you are using, device type, hardware model, unique identifiers and mobile network information, web logs, and the resources that you access;
- Information from public sources: such as LinkedIn and other professional networks, online directories, internet publications, etc.;
- Identity data: first name, maiden name, last name, username, marital status, title, date of birth, ID number, photograph, gender, etc.
- In relation to candidates and employees: CV/resume, certifications, licenses, references, education, criminal record, driver record, employment history
- In connection with business credit or debt collection services:where this is necessary to conduct the services;
The legal basis for processing your personal information
Kreller and its clients may process your information because:
- Processing is necessary for the performance of a contract with you or to take steps to enter into a contract
- You have given explicit permission (consent) to do so
- Processing is necessary for compliance with a legal or regulatory obligation
- Processing is necessary in order to protect your vital interests or those of another person
- Processing is necessary for our legitimate interest or a third party’s legitimate interest in carrying out business
The following are examples of how we and our clients may use your personal information:
- Providing business credit or debt collection services;
- Managing our business and relationship with you or your company or organization;
- Understanding and responding to inquiries and client feedback;
- Understanding how our clients use our services and websites;
- Improving our services and offerings;
- Ensuring our systems and premises are secure;
- Managing our supply chain;
- Direct marketing; and
- Fraud prevention
Where does the information we collect come from?
Personal information may be provided to us by you, your employer, a company or organization who is our client or our suppliers. Information may come from:
- Information you provide to us – such as contact details that you provide when you request sample reports or request other services or when you respond to our communications or apply for a job
- Information we may collect automatically-such as browser cookies and similar technologies
- Information we collect from other sources, for example, we may receive your personal information on a questionnaire provided by our client in connection with our provision of business credit or debt collection services or we may obtain your personal data from information held in the public domain such as at a corporate registry or courthouse
Your rights about your personal information
Under certain circumstances, and subject to local law, you may have the following rights under data protection laws with relation to the personal data we and our clients hold about you: In summary, those include the:
- Right to be informed – you have the right to be informed about the collection and use of your personal data
- Right of access – you have the right to request a copy of the information that we hold about you.
- Right of rectification – you have a right to correct data that we hold about you that is inaccurate or incomplete.
- Right to erasure – in certain circumstances, you can ask for the data we hold about you to be erased from our records.
- Right to restrict processing – where certain conditions apply, you have the right to restrict the processing.
- Right to data portability – you have the right to have the data we hold about you transferred to another organization.
- Right to object – you have the right to object to certain types of processing such as direct marketing.
- Right to object to automated processing, including profiling – you also have the right to be subject to the legal effects of automated processing or profiling.
- Right to withdraw consent–if we rely on your consent as our legal basis for processing your personal information, you have the right to withdraw that consent at any time.
- Right to complain –If you are not satisfied with our use of your personal information or our response to any request by you to exercise your data protection rights, or if you think that we have breached any relevant data protection laws, then you have the right to complain to the authority that supervises our processing of your personal information.
Sharing your personal information
Protection and storage of the information we collect
International data transfers
We are headquartered in the United States and we will process your personal information in the United States. Your personal information will be transferred to and stored in the United States. When we transfer personal information from the European Union (EU) or the European Economic Area (EEA) to the United States, we will implement appropriate and suitable safeguards to ensure that such data will be protected as required by applicable data protection law. Our Privacy Shield certification confirms this.
The GDPR places certain obligations on Processors of Personal Data. As a Processor of Personal Data, Kreller will:
- Only process Personal Information to the extent and for the purpose authorized by our client (the “Controller”)
- Inform Controller, without undue delay, if any instructions provided by Controller may infringe upon GDPR law
- Implement appropriate technical and organizational measures to protect the security of data
- Inform the Controller without undue delay upon learning of a breach
- Ensure all individuals authorized to process the data have committed to confidentiality agreements
- Assist Controller in handling data subject access rights requests
- Assist Controller with obligations around security and requests from supervisory authorities
- Be available and able to assist Controller with compliance obligations
- Delete or return all data upon Controller request or requirement
- Outline any data transfers outside EEA and describe safeguards which will protect the data
- Assist Controller with audits
- Ensure any engagement of sub-processors meet same obligations required by the Controller
- Only engage sub-processors upon approval of Controller
How can you contact us?
Kreller Solutions, Inc. dba Kreller Credit
817 Main Street, Suite 700
Cincinnati, Ohio 45202 USA.
Phone: +1 513-723-8900
Links to Other Sites
This website may contain links to third party sites which operate independently of Kreller. We provide these links merely as a convenience and the inclusion of such links does not necessarily imply an endorsement or warranty of those links or their associated websites. These sites have established their own privacy and security policies. For the best online experience, we encourage you to review these policies before submitting any Personal Information through these sites.
Children’s Online Privacy Protection Rule (COPPA)
Kreller does not knowingly collect information from children under the age of 13 and does not target its websites to children under 13. Please contact us at firstname.lastname@example.org if you believe we have inadvertently collected Personal Information of a child under 13 without proper parental consents so that we may delete such data as soon as possible.
California Consumer Privacy Act of 2018 (CCPA)
We are not subject to the California Consumer Privacy Act of 2018 because we do not meet the definition of “business” under Section 1798.140 of the California Civil Code. In the event we receive Personal Information from a client or third party who is subject to the CCPA, we agree to the following restrictions on our use or disclosure of this Personal Information and we hereby certify that we understand these restrictions and will comply with them. We are prohibited from:
(i) Selling the Personal Information;
(ii) Retaining, using, or disclosing the Personal Information for any purpose other than for the specific purpose of performing the services specified in our contract with our client, including retaining, using, or disclosing the personal information for a commercial purpose other than providing the services specified in the contract; and
(iii) Retaining, using, or disclosing the information outside of the direct business relationship between us and our client.
California Online Privacy Protection Act (CalOPPA)
In compliance with CalOPPA, we certify to the following:
- Users are able to change their Personal Information by emailing us.
- We do not collect Personal Information about your online activities over time and across third-party websites or online services.
- For information about the categories of Personal Information we collect see GDPR Policy: Categories of Personal Information Collected.
- For information about the identities of third-party entities with whom we may share your Personal Information see GDPR Policy: Sharing your personal information.
- For information about the process by which you may review and request changes to any of your Personal Information, see GDPR Policy: Access.
- For information about our response to “do not track” signals or other mechanisms that provide you with the ability to exercise choice regarding the collection of Personal Information, see Privacy Shield Policy: Notice, Choice & Accountability for Onward Transfer.
If you have any concerns regarding the collection and use of your Personal Information or any other privacy matters, please contact us at:
The Kreller Group Family of Companies
817 Main Street, Suite 700
Cincinnati, Ohio 45202
The foregoing policy is effective as of March 1, 2020.