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01privacy policy


PRIVACY POLICY

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Version 2.3 - October 3, 2023

FITCH PRIVACY POLICY

Highlights

Last Updated: October 3, 2023

When you use or interact with a website, mobile application or other digital
service (each a “Digital Service”) operated or owned by the Fitch Group, Inc. or
its affiliates or subsidiaries, listed here (“we”, “us”, “our” or “Fitch”), we
and third parties obtain personal and other information about you. In this
Highlights section, we provide an overview of our privacy practices related to
the Digital Services. Please review our full Privacy Policy below for a detailed
explanation of our practices.

The Digital Services, including the articles, reports, solutions, training and
other products and services made available through the Digital Services
(collectively, the “Materials”), are made available for informational and
research purposes and are intended for users acting in a professional capacity.
Please note that access to certain Digital Services may require a subscription,
such as Fitch Ratings PRO, BMI, and the CreditSights platforms and may be
subject to additional terms.

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What Information We Obtain

 * Information you provide or that we collect directly from you when you use the
   Digital Services, including when you create an account, complete a form or
   subscribe to a mailing list. This may include your contact or demographic
   information.

 * Certain Digital Services or Materials may require a payment for access. We
   use payment information for the limited purposes of processing your
   transaction, providing you with the requested service or information and to
   protect our rights or the rights of others.

 * Information you provide us about others, such as the name and email of a
   contact with whom you want to share the Materials or the name, job title and
   contact information of a member of staff for whom you are purchasing a
   training.

 * Information collected by automated means such as cookies or similar tools.
   This may include information about your device and browser, including IP
   address or mobile device advertising identifiers, as well as information
   about how you and others use, interact with or respond to the Digital
   Services. This collection may take place while you are using a Digital
   Service or while the Digital Service is running in the background of your
   device.

 * Information we obtain from other sources, such as event organizers, data
   suppliers, business partners and social media platforms.

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

How We Use Information We Obtain

 * To process your requests and provide you with the Digital Services, including
   to customize and improve the Digital Services or Materials and provide
   recommendations.

 * To learn about users of the Digital Services and Materials and analyze how
   you and others interact with and respond to the Digital Services.

 * To communicate with you, including to send you marketing and promotional
   communications.

 * For our advertising and marketing purposes.

 * To protect our rights and the rights of others.

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How We Share Information

 * Within the Fitch family of companies.

 * With service providers that perform services or handle transactions on our
   behalf.

 * With respect to corporate subscriptions, memberships and/or other services,
   with the organization that purchased the services, subscription, and/or
   membership.

 * With business partners.

 * Where applicable, with professional teaching, education, and/or examining
   bodies.

 * Other parties when required by law or as necessary to protect our rights, and
   in the context of corporate transactions.

 * With your consent or otherwise at your direction.

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Your Choices, Including Opt-Outs

 * You may take steps to limit the use of your information for interest-based
   advertising on your browser or mobile device.
   See https://www.fitch.group/cookie-policy for more information.

 * You may unsubscribe from our marketing or promotional emails by clicking the
   “Unsubscribe” link in our emails, or for certain Digital Services, by logging
   into your account and adjusting your preferences.

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

Additional Information

 * We use a variety of security technologies and procedures to help protect
   information from unauthorized access, use or disclosure.

 * Fitch operates the Digital Services globally, including from the United
   States. Information may be processed and stored in the United States or other
   countries.

 * The Digital Services are not intended for use by children under the age of
   13.

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

Contact Us

If you have questions about our Privacy Policy you can contact us by email
at privacy@thefitchgroup.com.

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



FITCH PRIVACY POLICY

Last Updated: February 21, 2023

Introduction

1. INTRODUCTION

2. WHAT INFORMATION WE OBTAIN

3. HOW WE USE INFORMATION WE OBTAIN

4. HOW WE SHARE INFORMATION

5. YOUR CHOICES INCLUDING OPT-OUTS

6. HOW WE PROTECT AND STORE YOUR INFORMATION

7. INTERNATIONAL DATA TRANSFER

8. CHILDREN’S PRIVACY RIGHTS

9. THIRD-PARTY WEBSITES, MOBILE APPS OR OTHER SERVICES

10. DISPUTE RESOLUTION

11. COMPLAINTS

12. CHANGES TO THIS PRIVACY POLICY

13. CONTACT US

Related Policies:

Fitch Group, Inc. Terms of Use (“Terms of Use”)
at https://www.fitch.group/terms-of-use

Fitch Group, Inc. Cookie Policy (“Cookie Policy”)
at https://www.fitch.group/cookie-policy

1. INTRODUCTION

This Privacy Policy applies to the website, mobile application or other digital
service (each a “Digital Service”) linking to this Privacy Policy and owned or
operated by Fitch Group, Inc. or its affiliates or subsidiaries, listed here
(“we”, “us”, “our” or “Fitch”).

This Privacy Policy describes how Fitch collects and processes personal
information about you, how we use and protect this information, and your rights.

This Privacy Policy describes the privacy practices of Fitch only and does not
cover the practices of other companies. The Digital Services, including the
articles, reports, solutions and other products and services made available
through the Digital Services (collectively, the “Materials”), are made available
for informational and research purposes and are intended for users acting in a
professional capacity.

Please note that access to certain Digital Services may require a subscription,
such as Fitch Ratings PRO, BMI, and the CreditSights platforms and may be
subject to additional terms. Note that different types of data may be obtained
depending on the Digital Service or Materials you interact with (e.g., Fitch may
obtain information relating to your qualifications and credentials when you
apply for a certification through a Fitch Learning Digital Service). Where the
practices for a certain Digital Service differ from the general practices, this
is called out specifically.



2. WHAT INFORMATION WE OBTAIN

When you use a Digital Service, we obtain various types of information related
to you and your use of the Digital Service or Materials. This data includes
personal information that directly identifies you such as your name, job title,
or contact information as well as information such as online identifiers or
cookie-level data that may indirectly identify you. The information we obtain
generally consists of information that (1) you provide us about yourself or that
we directly collect from you, (2) you provide us about others, (3) automatically
collected about your interactions with the Digital Services or Materials, and
(4) we get from other sources as described further below.

A. Information we collect directly from you

Fitch asks you to provide information about yourself when you use the Digital
Services, including when you create an account, complete a form or subscribe to
a mailing list. You may not be able to use certain features if you choose not to
submit the requested information.

The information you provide us or that we directly obtain from you includes
details such as:

 * Contact information (e.g., your name, email address, job title, company
   name).

 * Demographic and interests information (e.g., region, industry sector,
   preferred language, topics of interest).

 * Payment information for purchases made through the Digital Services (e.g.,
   payment card number, expiration date and billing information). This
   information is used for the limited purposes of processing your transaction,
   providing you with the Materials and to protect our rights or the rights of
   others.

 * Information you choose to share with us (e.g., when you submit an inquiry
   through an online form on a Digital Service).

 * Transactional and activity information (e.g., requests, searches or orders).

 * If you apply for a course administered by Fitch Learning, we may request
   further details from you. This information is used for purposes of assessing
   your qualification for the course and may include:
   
   * Educational background and work experience.
   
   * Date of birth.
   
   * Information provided by you in your personal statement and other
     information you choose to share with us in support of your application for
     the course.

B. Information you provide about others

You may provide information about other people, such as the name and email of a
contact with whom you want to share our reports, or the name, job title and
contact information of a member of staff for whom you are purchasing a training.
Do not give us information about others unless you are authorized or have their
permission to do so and have brought this Privacy Policy to their attention. We
will use their information for the purposes described in this Privacy Policy.

C. Information automatically collected

The Digital Services automatically log certain information about visits to the
Digital Services, such as the number and frequency of visitors, technical
information about browsers and devices used to access the Digital Services, and
information about crashes or other technical issues. In addition, in accordance
with your expressed preferences, we and third parties automatically collect
certain information through cookies and similar tools (referred collectively as
“Cookies and Similar Technologies”) about your activities over time across the
Digital Services as well as across third-party sites, apps or other media. Some
Cookies and Similar Technologies assign or collect unique cookie IDs or other
identifiers associated with your browser or device. Cookies and Similar
Technologies may collect information while you are using the Digital Services or
while they are running in the background of your device. More information about
the Cookies and Similar Technologies used on the Digital Services, including how
to manage your preferences, is set out in the Cookie Policy.

The information automatically collected includes the following:

 * Information about your computer, device, browser and operating system (e.g.,
   type, model, and/or version).

 * Internet protocol (IP) address, which is used to derive your general
   geographic area (e.g., city and country).

 * Device identifiers.

 * Information about your interactions with the Digital Services, including
   browsing activities and clickstream data that reflect the Materials you have
   accessed, clicked on, or viewed.

 * Information about how you accessed the Digital Services, including details
   about websites or apps visited immediately before or after accessing a
   Digital Service.

 * Demographic and interests information (e.g., region, industry sector,
   preferred language, topics of interest).

 * Information about your interactions with email messages and other
   communications, such as whether you opened or forwarded the email or clicked
   on links contained in the email.

For more information about the use of automated means in the context of
interest-based advertising and how you can limit tracking, see the Cookie
Policy.

D. Information we obtain from other sources

Fitch receives information about you from other sources which may be combined
with information obtained about you as a result of your interactions with the
Digital Services or Materials. For example, we obtain data from:

 * Organizers of industry events. We obtain information from organizers of
   events and conferences you attend subject to the sharing practices of the
   relevant event organizers.

 * Third-party data suppliers such as data aggregators, data resellers, public
   databases and business partners. These suppliers provide us with demographic
   information, information about your organization, and other information that
   helps us learn about you and other users of the Digital Services.

 * Your organization or other individuals at your organization if you are
   authorized to access a Digital Services and/or Materials via a corporate
   account.

 * Operators of third-party sites, platforms or other devices and technologies
   when you interact with the Materials on those channels and platforms.

 * Social Media Platforms and similar services (“Social Media Platforms”). We
   obtain information from Social Media Platforms such as LinkedIn, which may
   include your username, user ID, demographic information and other
   information, subject to the settings and privacy practices of the relevant
   Social Media Platform.

The categories of information that we collect about you from other sources are
your personal details (for example your name and date of birth) and your contact
details (such as your phone number, email address, postal address or mobile
number).

3. HOW WE USE INFORMATION WE OBTAIN

Fitch uses the information we obtain for the following business purposes:

A. To provide you with the Digital Services. This service includes:

 * Processing your requests regarding the Digital Services and the Materials.

 * Providing customer assistance or technical support.

 * Customizing the Digital Services and Materials, providing recommendations and
   enhancing the quality and your overall experience with the Digital Services,
   including by retaining your user preferences, optimizing the presentation of
   the Digital Services and Materials based on your industry or interests, and
   for the browser or device you use to access the Digital Services.

 * Maintaining, operating, improving and developing the Digital Services,
   Materials and other Fitch products and services.

 * Learning about users of the Digital Services and analyzing how you and others
   interact with and respond to the Digital Services and Materials, including by
   measuring and optimizing usage, reliability and performance, conducting
   market research, performing analytics, and supporting our operations (e.g.,
   for accounting, auditing, financial, or other purposes).

B. To communicate with you. This activity includes:

 * Sending you Materials you have requested or which we believe are of interest
   to you.

 * Sending you informational messages about the Digital Services (e.g., to
   confirm your access to the relevant Materials or notify you of changes to a
   Digital Service.

 * Delivering marketing or promotional communications.

 * Responding to your questions or addressing your requests.

 * Providing you with surveys regarding the Digital Services.

C. For advertising and marketing purposes, including interest-based advertising.

This activity includes:

 * Developing, managing and conducting advertising and marketing campaigns,
   promotions and offers, including about the Digital Services, Materials and
   other Fitch products, services or initiatives.

 * Cross-device linking. If you access the Digital Services from multiple
   browsers or devices, we, our service providers and third parties may try to
   establish connections among and link the different browsers and devices you
   use to access the Digital Services. This helps us provide you with a seamless
   experience across the browsers and devices you use and serve you with the
   relevant Materials.

 * Interest-based advertising (also known as targeted or personalized
   advertising or ads) is advertising based on your interests as inferred from
   your activities over time on the Digital Services and online services
   operated by third parties, as well as other information. Interest-based ads
   consist of text ads, images, animations or videos and are displayed to you
   based on various factors, including the context of the site or app in which
   they appear (e.g., sport or travel section), information you provided to the
   operator of the site or app (e.g., when you created an account), your
   activities on the site or app (e.g., pages viewed, searches performed or ads
   clicked), and information such as your demographic, interests and household
   information.
   
   * In line with your expressed preferences we, our service providers and third
     parties use automated means including Cookies and Similar Technologies on
     the Digital Services and on third-party sites, apps or other media to (a)
     collect information for interest-based advertising purposes or (b) serve
     you interest-based ads. When you agree to the use of Cookies and Similar
     Technologies on the Digital Services, unique identifiers may be associated
     with your browser or device to support interest-based advertising.
   
   * We use online and offline information we obtain about you, including your
     personal information, for interest-based advertising purposes. We aggregate
     the information we obtain to create audiences that are most likely to
     respond to ads based on demographic, interests or household information.
   
   * Interest-based ads may be displayed to you by third parties, such as ad
     networks or exchanges.
   
   * There are steps you can take to limit the collection of your information by
     Cookies and Similar Technologies and the use of your information for
     interest-based advertising purposes. These steps vary for the web and
     mobile app environments and are browser and device specific. To learn more
     about these choices, see the Cookie Policy.

D. To protect our rights or the rights of others. This protection includes:

 * Detecting, preventing and responding to fraud or potentially illegal
   activities, misuse of the Digital Services, intellectual property
   infringement or other violations of law, this Privacy Policy, our Terms of
   Use or other Fitch policies.

 * Performing audits, assessments, and testing or troubleshooting activities.

 * Backing up our systems, including for disaster recovery purposes, and
   enhancing the overall security of the Digital Services.

 * Complying with and enforcing applicable legal requirements, including legal
   process such as court orders, warrants, regulatory investigations, or
   subpoenas, and/or fulfilling contractual obligations.

LEGAL BASIS FOR USING THE INFORMATION

We must have a legal basis to process your personal information. The legal basis
will be one of the following:

 * To honor our contractual obligations to you when we use your information to
   provide you with the Digital Services or to provide access or a subscription
   to Materials. For example, when you purchase a subscription from us, it will
   be necessary to process your payment details and contact details to confirm
   and provide the subscription. Similarly, when you sign up for a mobile app,
   we will need to process your registration information so that we can set up
   your user account and provide the relevant services to you. Failure to
   provide the information could prevent or delay the fulfilment of the
   contractual obligations.

 * To comply with our legal obligations when we use your information to protect
   our rights or the rights of others and when we share your information with
   other parties where required by law or as necessary to protect our rights. We
   are required to collect certain information from you when processing your
   subscription payment for tax or financial reporting reasons. Similarly, local
   tax law will often require us to keep information about contest or promotion
   participants for audit and taxation purposes.

 * To meet our legitimate interests when we use your information to provide you
   with the Digital Services, to communicate with you and for advertising and
   marketing purposes, including interest-based advertising or when we share
   your information with our affiliates and subsidiaries, in the context of a
   corporate transaction or with our business partners, social media platforms
   and advertisers. Our legitimate interests include improving the Digital
   Services, our products and services, understanding how you interact with our
   Digital Services and publications, deriving knowledge to develop new products
   and services, and customizing the Digital Services by making them more
   relevant and interesting to you and others. When we process personal
   information to meet our legitimate interests, we put in place safeguards to
   help ensure that your privacy is given due regard.

 * We will obtain your consent to collect and use certain types of personal
   information when we are required to do so by law (for example, in relation to
   sharing of your information with third parties for their own marketing
   activities). If we ask for your consent to process your personal information,
   you can withdraw your consent at any time by contacting us using the details
   at the end of this Privacy Policy.

Information on our use of cookies and similar technologies

Our Digital Services use Cookies and Similar Technologies to provide our
Services, to understand how our Services are used, and for advertising purposes,
as explained in this Privacy Policy. You can read more about the types of
Cookies and Similar Technologies we use, why we use them and how you can
exercise your choices in our Cookie Policy.

4. HOW WE SHARE INFORMATION

Fitch shares the information we obtain with:

A. Affiliates and Subsidiaries. We share your information within the Fitch
family of companies. For example, we may share your browsing and subscription
history on our website with other Fitch companies for marketing purposes and
internal reporting. A list of Fitch companies with which your information may be
shared is available here.

B. Corporate Subscribers. With respect to corporate subscriptions or
memberships, we share your information with the organization that purchased the
subscription or membership.

C. Training/Certification Issuers. Where applicable to products or services
obtained through the Digital Services, we share your information with
professional teaching, education, and/or examining bodies.

D. Service Providers. In connection with the operation of the Digital Services
and provision of Materials, we engage various third parties to provide services
or handle transactions on our behalf. These service providers use the
information we provide to them as necessary or appropriate for the performance
of their services.

E. Advertising- and Marketing-Related Service Providers. We may provide your
information to entities that create, deliver and assess our advertising or
marketing campaigns.

F. Business Partners. We may share your information with business partners, such
as when we administer a conference or a course, provide a webinar in conjunction
with an industry partner or when we issue a joint publication.

G. Social Media Platforms. If you interact with social media widgets on the
Digital Services, or share the Materials using social media share buttons,
Social Media Platforms may collect information. Fitch does not control this
sharing and is not responsible for the privacy practices of the Social Media
Platforms with which you engage.

H. Other Parties When Required by Law or As Necessary to Protect Our Rights. We
share your information as and when we believe it necessary or appropriate to
protect, enforce, or defend our legal rights, the privacy or safety of our
employees, users of the Digital Services or other individuals and entities, or
to comply with or enforce applicable law or legal process, including responding
to court orders, warrants, regulatory investigations, subpoenas and other
requests from public and government authorities.

I. Corporate Transactions. We reserve the right to transfer any of the
information we have about you to proceed with the consideration, negotiation, or
completion of a sale or transfer of all or a portion of our business or assets
to a third party, such as in the event of a merger, acquisition or other
disposition, or in connection with a bankruptcy reorganization, dissolution, or
liquidation.

J. With Your Consent or Otherwise at Your Direction. In addition, we share your
information with third parties when you consent to or request such sharing.

Because we operate as part of a global business, the recipients referred to
above will sometimes be located outside the jurisdiction in which you are
located (or in which we provide the Digital Services). See the section on
“International Data Transfer” below for more information.

YOUR RIGHTS OVER YOUR PERSONAL INFORMATION

In certain circumstances, you may have the following rights in relation to the
processing of your personal information:

 * Right to Access: To request a copy of the personal information we process in
   relation to you and to be informed about how we use and share your personal
   information.

 * Right to Object: To object to the processing of your personal information if
   (i) we are processing your personal information on the grounds of legitimate
   interests or for the performance of a task in the public interest (including
   profiling); or (ii) if we are processing your personal information for direct
   marketing purposes.

 * Right to Rectification: To request that we update the personal information we
   process in relation to you, or to correct personal information that you think
   is incorrect or incomplete.

 * Right to Erasure: To ask that we delete personal information that we process
   in relation to you where we do not have a legal or regulatory obligation or
   other valid reason to continue to process it.

 * Right to Restriction: To request that we restrict the way in which we process
   your personal information, for example, if you dispute the accuracy of your
   personal information or have raised an objection which is under
   consideration.

 * Right to Portability: To request a copy of your personal information that you
   have provided to us in a commonly used electronic format such as through the
   completion of an application form.

 * Right to Automated Decision Making: To request manual intervention if you are
   subject to automated decisions where the decision results in a legal or
   similar effect to you.

Such requests are subject to applicable law. If you would like to discuss or
exercise such rights, please contact us using the details provided in the
“Contact Us” section below. We will contact you if we need additional
information from you in order to honor your requests. For example, we may need
to request specific information from you to help us confirm your identity and
ensure your right to access the personal information requested, or to exercise
any of your other rights. This is to ensure that personal information is not
disclosed to any person who does not have authority to receive it. You can also
use the manage my preferences button on websites and request access, deletion,
or to be unsubscribed.

We encourage you to contact us to update or correct your information if it
changes or if the personal information we hold about you is inaccurate.

California residents should read our Addendum for California Residents for
additional information.

5. YOUR CHOICES, INCLUDING OPT-OUTS

Direct Marketing Opt-Outs

You may opt out of receiving marketing or promotional emails from us by clicking
on the “unsubscribe” or “Preference Center” links contained in such emails.
Depending on the Digital Service you use, you may also be able to opt out of
marketing or promotional emails by logging into your account and managing your
email preferences. Please keep in mind that if you opt out of receiving
marketing or promotional emails we will still send you transactional emails or
other communications relating to your use of the Digital Services or Materials
(e.g., to confirm your access to the relevant Materials, to inform you of
changes to a Digital Service or in response to your password recovery request).
You may request that we stop sending you direct mail marketing communications by
notifying by email at privacy@thefitchgroup.com.

6. HOW WE PROTECT AND STORE YOUR INFORMATION

Fitch uses a variety of security technologies and procedures to help protect
information from unauthorized access, use or disclosure. However, please be
aware that no security measure is perfect or impenetrable. Therefore, while we
make reasonable efforts to protect your personal information, we cannot
guarantee its absolute security. If you register an account on the Digital
Services, you are responsible for keeping your password secure. Do not share
your login credentials with others.

We will keep your personal information for as long as we have a relationship
with you. Once our relationship with you has come to an end, we will retain your
personal information for a period of time that enables us to:

 * Maintain business records for analysis, understanding market trends, for
   audit purposes, and to improve our Digital Services.

 * Comply with record retention requirements under applicable laws or other
   relevant legal or regulatory requirements.

 * Defend, establish, exercise, or bring any existing or potential legal claims.

 * Carry out fraud detection and prevention.

 * Deal with any complaints regarding the Digital Services, our products and
   services.

We will delete your personal information when it is no longer required for these
purposes. If there is any information that we are unable, for technical reasons,
to delete from our systems, we will put in place appropriate measures to prevent
any further processing or use of the data.

7. INTERNATIONAL DATA TRANSFER

Fitch operates the Digital Services globally, including in the United States.
Any information we obtain about you in connection with your use of the Digital
Services may be processed and stored in the United States or other countries.
The laws of these countries may not provide the same level protection for your
personal information as your home country.

When Fitch transfers your personal information from the European Economic Area
(EEA), United Kingdom or Switzerland to a non-EEA country, we rely on one or
more of the following legal mechanisms: Standard Contractual Clauses, or your
consent.

For more information about the safeguards we use, please contact us via the
details listed at the end of this Notice.

8. CHILDREN’S PRIVACY RIGHTS

The Digital Services are not intended for use by children, especially those
under the age of 13, and we do not knowingly collect personal information from
children under the age of 13.

9. THIRD-PARTY WEBSITES, MOBILE APPS OR OTHER SERVICES

We are not responsible for the privacy practices of any non-Fitch operated
websites, mobile apps or other services and channels, and we encourage you to
review the privacy policies or notices published by relevant third parties.

10. DISPUTE RESOLUTION

Any dispute concerning the Digital Services (including our use of your personal
information) will be resolved per the dispute resolution provision in the Terms
of Use, which govern your use of the Digital Services. Please take a few minutes
to read the Terms of Use before using the Digital Services.

11. COMPLAINTS

If you have any concerns or complaints about the way your personal information
is processed, please contact the office of the Fitch Group Data Privacy Manager
at privacy@thefitchgroup.com. You may also have a right to complain to a data
protection or other competent authority with jurisdiction over privacy and data
protection law in the country you live or work, or in the country where you
believe an issue in relation to the processing of your personal information has
arisen.

12. CHANGES TO THIS PRIVACY POLICY

We will update this Privacy Policy from time to time to reflect changes in our
privacy practices or applicable laws. In accordance with applicable law, we may
make such changes without prior notice. We will publish the updated version on
the relevant Digital Services and indicate at the top of the Privacy Policy when
it was most recently updated. Your use of the Digital Services will be governed
by the then-current version of the Privacy Policy. Where changes to this Privacy
Policy have a fundamental impact on the nature of the processing or otherwise
have a substantial impact on you and where required by applicable law, we will
give you advanced notice so that you have the opportunity to exercise your
rights (e.g. to object to the processing).

13. CONTACT US

If you have any questions about this Privacy Policy, please contact us by email
at privacy@thefitchgroup.com.

The Fitch entity responsible for the Digital Services you are using or accessing
is the controller responsible for the personal information we collect and
process in relation to that Digital Service. The relevant controllers and the
Digital Services they provide are listed below, along with their contact
details.  


 

DIVISION / ENTITY DIGITAL SERVICE CONTACT DETAILS Business Monitor International
Limited www.bmiresearch.com privacy@thefitchgroup.com Capitalstructure Limited
www.levfininsights.com privacy@thefitchgroup.com Covenant Review, LLC
www.covenantreview.com privacy@thefitchgroup.com CreditSights Limited
www.creditsights.com privacy@thefitchgroup.com CreditSights, Inc.
www.creditsights.com privacy@thefitchgroup.com CreditSights Singapore, LLC
www.creditsights.com privacy@thefitchgroup.com Fitch (Hong Kong) Limited
www.fitchratings.com privacy@thefitchgroup.com Fitch Australia PTY. Limited
www.fitchratings.com privacy@thefitchgroup.com Fitch Centroamerica, S.A.
(Guatemala) www.fitchratings.com privacy@thefitchgroup.com Fitch Centroamerica,
S.A. (Panama) www.fitchratings.com privacy@thefitchgroup.com Fitch Chile
Clasificadora de Riesgo Limitada www.fitchratings.com privacy@thefitchgroup.com
Fitch Costa Rica Calificadora de Riesgo, S.A. www.fitchratings.com
privacy@thefitchgroup.com Fitch Group, Inc. www.fitch.group
privacy@thefitchgroup.com Fitch Holding S.A. www.fitchratings.com
privacy@thefitchgroup.com Fitch India Services Private Limited
www.fitchratings.com privacy@thefitchgroup.com Fitch Learning Ltd
www.fitchlearning.com privacy@thefitchgroup.com Fitch Learning Ltd
www.fitchexamprep.com privacy@thefitchgroup.com Fitch Learning Ltd www.cqf.com
privacy@thefitchgroup.com Fitch Learning Ltd www.cqfinstitute.org
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