This website (https://www.nimbla.com/) (the “Website”) and the Nimbla application (the “App”) are the property of TradeCrediTech Ltd, whose full details are set out below.

Our privacy policy explains what happens to any personal data that we collect about you either via this Website, the App, via email or by other methods.

Who we are

TradeCrediTech Ltd is part of a group of companies including Nimbla Limited, TCT Risktech Limited and Koguda Limited (together, the “TCT Group”). This privacy policy is issued on behalf of the TCT Group so when we mention “TCT”, “we”, “us” or “our” in this privacy policy, we are referring to the relevant company in the TCT Group responsible for processing your data. TCT is the controller and responsible for this Website and the App.

Personal data we collect about you

In operating our Website and the App we may collect, use, store and process the following personal data about you:

Details of your visits and the resources that you access, including, but not limited to, traffic data, location data, weblog statistics and other communication data.

Technical data that we automatically collect by using cookies and other similar technologies as you interact with the Website and/or App including, but not limited to, your IP address, browser type and version, operating system and platform, and other technology on the devices you use to access the Website and the App.

‍Information that you provide by filling in forms on our Website, such as when you apply for a quote including, but not limited to, your name, title, date of birth, gender, job title, profession, contact  details such as email addresses, telephone numbers, billing and delivery addresses, and financial data including but not limited to bank account and payment card details. Information about the invoices you enter, manually or by connecting your accounting software with the App.It isimportant that the personal data we hold about you is accurate and current. ease keep us informed if your personal datachanges.

How we use your personal data

The personal data that we collect and process is primarily used to enable us to provide our services to you (and where we need to perform the contract we are about to enter into or have entered into with you); where it is necessary for our legitimate interests (or those of a third party) and your interests and fundamental rights do not override those interests; or where we need to comply with a legal obligation.

Our products and services

We provide invoice insurance. Using your accounting data, where integrated, we can give you cash flow and payment predictions as well as a better quote for single invoice insurance.

Other use of personal data

We may use your personal data to:
• register you as a new customer.
• process your order including (a) managing payments, fees and charges; and (b) collecting and recovering money owed to us.
• notify you about any improvements to our Website and/or App or changes to our privacy policy or in our products and services.
• administer and protect our business and the Website and/or App (including troubleshooting, data analysis, testing, system maintenance, support, reporting and hosting of data).
• use data analytics to improve our Website and/or App, products/services, marketing, customer relationships and experiences.
• give you information about products and services that may be of interest to you.

Security and Storing your personal data

We may transfer your personal data outside the European Economic Area to staff who work for us or for one of our suppliers. These staff may be handling your order, processing your payment details and providing support services. By submitting your personal data, you agree to this transfer, storing or processing. We will take all reasonable steps to make sure that your personal data is treated securely and in agreement with this privacy policy.

We have put in place appropriate security measures to prevent your personal data from being accidentally lost, used or accessed in an unauthorised way, altered or disclosed, including those measures described below. In addition, we limit access to your personal data to those employees, agents, contractors and other third parties who have a business need to know. They will only process your personal data on our instructions and they are subject to a duty of confidentiality.

We have put in place procedures to deal with any suspected personal data breach and will notify you and any applicable regulator of a breach where we are legally required to do so.

Personal data you provide is stored on secure servers. Details of any transactions you enter into via our website will be encrypted to ensure their security.

The transmission of personal data via the internet is not completely secure and we cannot guarantee the security of data sent to us electronically, which is at your own risk. Where you have chosen a password to access the App, you are responsible for keeping this password confidential.

We will only retain your personal data for as long as reasonably necessary to fulfil the purposes we collected it for, including for the purposes of satisfying any legal, regulatory, tax, accounting or reporting requirements.  We may retain your personal data for a longer period in the event of a complaint or if we reasonably believe there is a prospect of litigation in respect to our relationship with you.

Third party links

We may share your personal data across the TCT Group and to third parties where we have a lawful basis to do so including but not limited to claims adjusters, reinsurers, other insurers, banks, business partners, auditors, lawyers, debt collectors and other service providers.

We may also disclose your personal data to third parties:
• where we sell any or all of our business and/or our assets to a third party.
• where we are legally required to disclose your personal data.
• to assist fraud protection and minimise credit risk.

Third party links

You may find links to third party websites on our Website. These websites should have their own privacy policies which you can check. We do not accept any responsibility or liability for their privacy policies, as we have no control over them.

Cookies

Data protection laws give you a number of rights about your personal data. These include:
• the right to access personal data we hold about you. Should you wish to receive details of such personal data, please contact us using the contact details below.
• the right to have personal data transferred to a new provider.
• the right to rectification of personal data.
• the right to erasure of personal data.
• the right to object to processing of personal data

If you wish to exercise any of your rights, please contact our Data Protection Officer whose details are set out below.

You will not have to pay a fee to access your personal data (or to exercise any of your other legal rights). However, we may charge a reasonable fee if your request is clearly unfounded, repetitive or excessive. Alternatively, we could refuse to comply with your request in these circumstances. We try to respond to all legitimate requests within one month.

Cookies

We may gather information about your computer for our services and to provide statistical information about the use of our Website and our App to our advertisers.

Such information will not identify you personally. It is statistical data about our visitors and their use of our Website and our App. We use it to analyse how visitors interact with the Website so that we can continue to develop and improve it.

We may gather information about your internet use by downloading a cookie to your computer. This cookie file is stored on the hard drive of your computer, as cookies contain information that is transferred to your computer’s hard drive. They help us to improve our Website, our App and the service that we provide to you.

All computers can decline cookies by activating the setting on your browser to decline cookies. If you choose to decline cookies, you may be unable to access particular areas of our Website and/or our App.

Any advertising on the Website and/or the App may also incorporate cookies, over which we have no control. Such cookies would be downloaded once you click on advertisements on our Website and/or our App.

For more information on cookies you can read the guidance at All About Cookies.

Data Protection Officer

Certain businesses are required under the GDPR to have a data protection officer. Our Data Protection Officer is Phil Hunter and he can be contacted via email at info@nimbla.com.

Contacting us

We welcome any queries, comments or requests you may have regarding this privacy policy. Please do not hesitate to contact us at info@nimbla.com. If you would prefer to write to us, our contact address is 133 Whitechapel High Street, London, England, E17QA.