Privacy Policy

Morningstar Credit Ratings Website Privacy Policy

Last modified: 12/17/2015

This website (the “Website”) is operated by Morningstar Credit Ratings, LLC (referred to on this Website as, “Morningstar”, “we”, “us”, “our”). Each user of the Website (“you” or “your”) expressly accepts and agrees to this Privacy Policy. You may not use the Website if you do not accept and agree to this Privacy Policy. Therefore, please read this Privacy Policy carefully. For other terms and conditions that apply to your use of the Website, please review our Morningstar Credit Ratings Web site Terms and Conditions of Use found at : https://ratingagency.morningstar.com/mcr/about-us/terms-of-use.

Information We Collect

Morningstar typically collects personal information (such as your name, email address, address or phone number) only when voluntarily submitted by you. For example, you may provide us your personal information in connection with registering for access to Morningstar content and research, submitting a question through the Contact Us page, signing up for email alerts or providing us with feedback.

When you access the Website, our web servers may automatically collect information regarding certain technical information such as your domain, internet protocol address, operating system and other similar technical data. This information typically does not contain personal information.

Cookies

Morningstar uses a technology called “cookies” to help the Website function better and to manage its security. “Cookies" are small pieces of text sent to your browser by a website that you visit so that the website can recognize you when you revisit and remember certain information about you.

Like many other Web sites, Morningstar uses third-party web analytics services to analyze Website usage and related information that may be collected through cookies. We may use cookies that (a) remain on your computer only while you browse the Website. These cookies may identify or track personal information previously submitted by you. If you do not wish to have cookies sent to your browser, you can change the settings on your browser to stop it from automatically accepting cookies. If you do so, however, the Website may not function properly.

How We Use Your Personal Information

We do not sell your personal information to third parties for commercial purposes. However, we may use your personal information for the following:

  • to verify your identity (for example when you return to the Website)
  • for the specific purpose for which the personal information was provided (for example, to sign up for e-mail alerts or access Morningstar’s research content);
  • to track your use of the Website for internal research purposes;
  • to provide any necessary notices or email communications to you;
  • to provide you with information, products or services, or access to customized content;
  • to notify you of updates or changes to the Website or any products or services we offer or provide through the Website;
  • in any other way we may describe when you provide personal information;
  • for any other purpose with your consent; and
  • to comply with certain contractual, legal or regulatory obligations.

Children’s Privacy

Morningstar does not knowingly collect or use any personal information through our Website from users under 13 years of age. No information should be submitted to this Website by visitors under 13 years of age.

Accessing and Changing Your Information

You may obtain a summary of your personal information on record with us. If your personal information changes, you may update it by contacting us at the address listed below. If you have any other questions or comments about this Privacy Policy or our privacy practices, you may send a message through our Contact page.

Security

We are committed to keeping personal information secure, and we have reasonable technical, administrative and physical safeguards in place to protect your personal information from loss, misuse or alteration. Although we use reasonable measures to safeguard against unauthorized disclosure or your personal information, because such information can be accessed through the Internet, no assurances can be provided that your personal information will never be disclosed in a manner that is inconsistent with this Privacy Policy.

Leaving the Website

After leaving the Website, whether through the use of your web browser or a link contained on the Website, this Privacy Policy is no longer in effect. We are not responsible for the privacy or security policies or practices employed by any third party website.

Changes to this Privacy Policy

Morningstar may revise this Privacy Policy at any time. A notification of such change(s), as well as the revised Privacy Policy itself, will be posted here at https://ratingagency.morningstar.com/mcr/about-us/privacy-policy . You will be responsible for regularly checking this page and for reviewing any changes to the Privacy Policy. By using the Website after any such changes take place, you signify your acceptance of the change(s) to the Privacy Policy and your agreement to be bound by them.

If you have any questions regarding this Privacy Policy, you may contact us via the contact page.

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