Privacy Policy (new) Terms of Use Cookie Policy (new) Do Not Sell My Personal Info Trademarks Modern Slavery Cookie Notice Last Updated: November 9, 2021 This Cookies Notice explains how we use cookies and similar technologies (collectively, “Cookies”) on those RMS web sites that post or link directly to this Cookies Notice (collectively, the “Site”). Please read this Cookies Notice carefully. We may from time to time update this Cookies Notice. Please review the “LAST UPDATED” legend at the top of this page to determine when this Cookies Notice was most recently revised. For the purposes of this Cookies Notice, “RMS”, "we", "us", and "our" means Risk Management Solutions, Inc. and Risk Management Solutions group affiliates including: Risk Management Solutions Holdings, Inc.; RMS Worldwide, Inc.; RMS UK Holdings, Inc.; Risk Management Solutions (Bermuda) Ltd.; Risk Management Solutions (Beijing) Limited; Risk Management Solutions Limited; RMS Japan KK; Risk Management Solutions India Private Ltd.; DMG US Investments, Inc.; and DMGT US, Inc. How We Use Cookies on this Site 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. You can set your browser to block or alert you to essential Cookies, but some parts of the Site will not work without them. To learn how to set your browser to block or alert you to Cookies, please see here: Internet Explorer > Google Chrome > Mozilla Firefox > Safari > Opera. Functional Cookies RMS may use 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. You can reject functional Cookies at any time by changing your Cookie Settings. Performance Cookies We may 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 may 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. You can reject performance Cookies at any time by changing your Cookie Settings. Targeting Cookies We may 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 may also 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. You can reject targeting Cookies at any time by changing your Cookie Settings. Data Sharing 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) Performance, Functional and Targeting Cookies Setters – We use third parties for performance, functional, and targeting cookies. You may learn more about those cookies and exercise your choices to enable or disable them through the Cookie Settings. Your Rights and Choices You can change your Cookie preferences at any time by changing your Cookie Settings. To exercise the rights of access, rectification, erasure, restriction, objection or portability in relation to your data or if you have any complaint or query about our use of Cookies, please contact us at: 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 We do not respond to browser do-not-track signals at this time. You may also have the right to complain to your local data protection authority. However, we hope we can solve any queries or concerns you may have, so please contact us directly in the first instance. Related Information: Flood Model Risk Management Analytics Climbing Out Of "Lockdown": The Great Restart We use cookies to improve user experience and site performance, offer advertising tailored to your interests and enable social media sharing. Learn more Cookies Settings Accept All Cookies