Advancing technology
for credit investors

At Cognitive Credit, we bring together experts in technology and finance to create scalable solutions custom-designed for institutional credit investors.

By combining the most accurate fundamental data in the market with real-time updates and a suite of advanced analytics, we empower our clients to be as productive and insightful as possible.

Make the most
of every day

Time is an investor’s most valuable resource.

Our innovative, data-driven software combines modern productivity tools with analytical features that enable more efficient and precise corporate credit analysis.

We design with the full investment team in mind to support cross-team collaboration and on-the-go connectivity.

Investors can now respond to new information more quickly, review more opportunities, and allocate more time to their most important work.

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Avoid errors by accessing the
most accurate fundamental data

For us, data integrity is paramount. All of our fundamental data is generated by our proprietary machine reading pipeline that processes relevant source documents, such as financial reports and presentations, in a consistent manner.

This technology, resulting from years of research and development, is fast, accurate, and guarantees transparency.

Every extracted data point within our application is never more than a single click away from its source. Every derived data point is never more than a single click away from its underlying formula. We never want our clients to have a question about the source or quality of our data.

Save time with dynamically
updated financial models

Cognitive Credit’s financial models provide years of annual and interim financial data, supplemented with derived credit metrics and qualitative summary information.

Our models are provided as web-hosted spreadsheets, ensuring constant connectivity whether clients are in the office or traveling.

Our data dynamically updates within minutes of new reports being released to the market, beating alternatives both in terms of speed and accuracy.

Generate new insights
with interactive forecasting

Our clients can generate detailed financial forecasts and perform scenario analysis within minutes using our model forecasting feature.

Forecasts can be saved for the future and shared with colleagues.

As with our financial models, forecast model data also updates automatically when new financial reports are released to the market.

Analyze more data with
unprecedented comparables

All financial data within our application supports an advanced market comparables feature that provides access to cross-sector and cross-market analysis.

Our comparables feature updates dynamically, is searchable, and has the same spreadsheet functionality and auditability found throughout the application.

Make more connections
by visualizing credit data

We utilize best practices from other analytics fields to design easy-to-use data visualization tools for credit markets.

Our clients can access and customize detailed company and sector-specific thematic charts, and also create interactive charts by highlighting data on-screen, bringing an entirely different dimension to credit analysis.

Charts can also be copied or downloaded for use in other documents.

Increase productivity with
automated credit memos

Our application auto-generates summary credit memos, consistent for all companies in the system.

These memos auto-update as new data becomes available to the market, to relieve clients from the burden of mundane data gathering and processing.

Our clients can also save system-generated content for incorporation into their own work offline.

Improve team communication
with Notebook

Apart from financial analysis, we have integrated a variety of functionality into the application to improve our clients’ daily workflow and efficiency.

One example is the Notebook. This feature allows clients to generate and save notes for a given company or sector and organize them according to a given theme.

Notes can also be shared across a team, enabling real-time secure communication with colleagues that is always accessible.

Collaborate more effectively
with your colleagues

We design with the full investment team in mind to support cross-team collaboration.

Our clients can share user-generated content with their colleagues, eliminate the challenge of inconsistent modeling formats across a team, and spend more time focusing on their highest priorities.

Stay connected
on-the-go

All of Cognitive Credit's data is securely cloud-hosted, and all of our application’s features are accessible using laptops and tablets.

Our clients are never separated from important information when they are away from the office.

Privacy policy

Welcome to www.cognitivecredit.com. Cognitive Credit markets a web-based application to global institutional credit investors (our "Application").

Cognitive Credit is committed to respecting your privacy. This privacy policy sets out how we use and protect any information that you provide us when you use this Application or correspond with us (collectively, our "Services"). It also tells you about your privacy rights and how certain laws may apply to you.

If you have any queries about this policy or how we use your personal information, please contact us at support@cognitivecredit.com .

Contents

  1. About us
  2. What personal data do we collect?
  3. How do we collect personal data from you?
  4. How and why we use your personal data
  5. Use of external tools on our website
  6. Children
  7. How we share personal data
  8. International transfers
  9. How do we keep your information secure?
  10. How long we keep personal data
  11. Third party links
  12. Your rights
  13. Changes to this policy or your data

1. About us

This Application is operated by Cognitive Credit Limited (referred to in this privacy policy as "Cognitive Credit", "we", "us" and "our"). We are the data controller of any information you provide to us in the course of using our Services.

Cognitive Credit is a company registered in England and Wales with its registered office at 46 Marville Road, London, Greater London, United Kingdom, SW6 7BD. You can contact us at this address, or by emailing support@cognitivecredit.com .

We are registered as a data controller with the UK Information Commissioner's Office under number A8411531.

2. What personal data do we collect?

'Personal data' means any data which can be associated with you as an individual, either directly or indirectly. We collect different information depending on how you use our Services and how you interact with us.

The personal data we may collect includes:

  • Your identity and contact information, including your name, your login details, email address, your organisation (if you are accessing our Services on behalf of a company or other organisation), and the address of that organisation, and your office telephone number and mobile phone telephone number.
  • Usage data, which includes information about how you use our Services, including when you have logged in and out of the Services.
  • Technical data, such as the device you are using to access our Application, your unique device ID, your internet protocol (IP), browser type and version, time zone and location, display settings, browser plug-in types and versions, operating system and Application and other technology on the devices you use to access our Application.

Our Services are not intended for collecting or transmitting 'special categories' of personal data, such as details about your race or ethnicity, religious or philosophical beliefs, gender orientation, political opinions, trade union membership or health information. We do not collect data about actual or alleged criminal offences.

3. How do we collect personal data from you?

a) Personal data you provide to us

We collect personal data from you when you create an account with us, subscribe to our Services, or interact with us in any other way (such as via email, post, telephone or social media).

We may record or monitor calls and emails that you receive from us or make to us. We do this for security and training purposes and to improve the services we provide to you.

b) Personal data we collect as you use our Services

We collect your technical and usage data, as described above, as you use our Services.

As you use the Application, we will collect technical data including your browser type, the Internet Protocol (IP) address used to connect your computer to the internet, and your usage habits. We collect this data using cookies.

We use the following cookies:

Cookie name What it is used for
CloudFlare via Amazon CloudFront Identifies the browser session of a given user
Google Analytics Website traffic analysis (see section 5)

We store data locally (including via session tokens) in the browser Application to pass on user credentials between our server and the Application, which allows users to stay logged in. We also use IndexedDB, which stores Application specific data, network requests, and the user’s identification token.

If cookies are disabled you will still be able to access the Application, however some content may not function correctly.

4. How and why we use your personal data

We will only use your information where:

a) We need the information to fulfil our contract with you.

If we have entered into a contract to provide you with our Services (for example, if you have subscribed to our Services, whether on your own behalf or on behalf of an organisation), we will need your personal data in order to do so. The personal data that we use will depend on the service(s) we have agreed. For example:

  • We will use your identity and contact details so that we can communicate with you about the Services we provide, send you software and content updates, to facilitate providing any Services you have requested, and to respond to any requests, queries, issues or concerns you may have.
  • We will use your technical information to ensure that our Services display and function correctly on your device.

b) We have a legitimate interest (reasonable business purpose) in doing so.

We will use your information for our legitimate business reasons where our doing so will not unduly affect your rights.

We will use your identity, contact and usage information to keep our records up to date.

We will use your usage and technical information to:

  • provide and make improvements to our Services, system maintenance, support, reporting and hosting of data, and troubleshooting;
  • optimise the performance of our Services;
  • ensure that our Services are secure;
  • analyse how users interact with our Services; and
  • develop new products and services.

We may also use any or all of the information above to administer and manage our business in general, to detect and prevent misuse of our Services, and to enforce our terms and conditions or any other contract to which we may be a party. If you feel that your interests and fundamental rights outweigh our business purposes, and that we should therefore stop processing your data, please let us know.

c) You have given us your consent.

We ask you to consent to collecting your personal data before we install cookies on your machine. Please see section 3b) above for further information on the cookies we use.

d) We need to comply with a legal or regulatory obligation.

In certain circumstances, we may need to retain or use your personal data to comply with regulations and/or the law.

5. Use of external tools on our website

We have integrated various tools from different companies into our website, which allow us to evaluate user behavior or to establish links with other websites.

Google Analytics

The controller has integrated the component Google Analytics (with anonymisation function) on this website.

Google Analytics is a web analytics service. Web analysis is the gathering, collection and analysis of data about the behavior of visitors to websites. Among other things, a web analysis service collects data on which website a data subject has come to a website from (so-called referrers), which subpages of the website were accessed or how often and for which period of time a subpage was viewed. A web analysis is mainly used to optimize a website and for the cost-benefit analysis of Internet advertising.

The operator of the Google Analytics component is Google Inc., 1600 Amphitheatre Pkwy, Mountain View, CA 94043-1351, USA.

Google Analytics uses cookies. The information generated by the cookie about your use of this website is usually transmitted to a Google server in the USA and stored there. Google might transfer the personal information collected via this technical procedure to third parties. As IP anonymization is activated on our website, your IP address will be shortened by Google within Member States of the European Union or other states in agreement with the European Economic Area. Only in exceptional cases, the full IP address is sent to and shortened by a Google server in the USA. On behalf of the operator of the website, Google will use this information to evaluate your use of the website, compile reports on website activity and to provide further services related to website and internet use to us. The IP address transferred through your browser to Google Analytics will not be combined with other data held by Google.

In addition, this website uses the Analytics feature UserID to track interaction data. This User ID will be additionally anonymized and encrypted and will not be linked with other data. You can prevent the storage of cookies by a corresponding setting of your browser software; however, please note that if you do this, you may not be able to use all the features of this website to the fullest extent possible.

In addition, you may prevent the collection of the data generated by the cookie and related to your use of the website (including your IP address) by Google as well as the processing of this data by Google by downloading and installing the browser plug-in available under the following link: https://tools.google.com/dlpage/gaoptout?hl=en

This browser add-on informs Google Analytics via JavaScript that no data and information about website visits may be transmitted to Google Analytics.

In addition, a cookie already set by Google Analytics can be deleted at any time via the Internet browser or other software programs.

Further information and Google‘s applicable privacy regulations can be found at https://policies.google.com/privacy?hl=en.

The following link provides a further explanation of Google Analytics https://marketingplatform.google.com/about/.

6. Children

Our Services are not intended to be used by children under the age of 18 years, and we do not knowingly collect children's personal data.

7. How do we share your personal information?

We will share your data with our trusted third party service providers. These include:

  • our information technology providers, such as our cloud storage provider (Amazon Web Services), our web analytics service provider (Google), and our website and mailing list hosts; and
  • analysts, consultants and other professional advisors whom we retain for advice in respect of our business operations.

We will only disclose your data to third party service providers under terms of confidentiality, and they will only use your personal data for the purposes stated in this policy.

If you are using our Services on behalf of a company or other organisation, we may share certain details with that company or organisation.

Your personal data may be disclosed or transferred to potential or actual buyers of, investors into or lenders to, our business or any of our assets, or any of the advisors or representatives of the above. If so, we will ensure that appropriate confidentiality terms are in place.

On rare occasions, we may share personal data when we believe it is necessary to comply with the law, regulation or legal request (including a court order or government inquiry); to enforce or apply our terms of use or other agreements; in the context of a company reorganisation or restructuring exercise; or to protect the rights, property, or safety of Cognitive Credit, our personnel, our users, or others.

8. International transfers

The Application is hosted on servers located within the European Economic Area (EEA).

9. How do we keep your information secure?

We are committed to ensuring that your information is secure in order to prevent unauthorised access or disclosure, and we have put in place appropriate physical, electronic and managerial procedures to safeguard and secure your information.

However no transmission of information via the Internet or electronic storage is ever completely secure. Although we take appropriate measures to safeguard against unauthorised disclosures of information, we cannot guarantee the security of your data.

10. How long we keep personal data

We will only retain your personal data for as long as necessary to fulfil the purposes we collected it for, including for the purposes of satisfying any legal, accounting, or reporting requirements.

To determine the appropriate retention period for personal data, we consider the amount, nature, and sensitivity of the personal data, the potential risk of harm from unauthorised use or disclosure of your personal data, the purposes for which we process your personal data and whether we can achieve those purposes through other means, and the applicable legal requirements.

11. Third party links

Our Application, or our other Services, may contain links to third party sites whose information practices may be different than ours. Please consult all third party sites' privacy notices, as we have no control over information that is submitted to, or collected by, third parties.

12. Your rights

You have the right to:

  • require us to rectify the personal data we hold about you, where that data is incorrect;
  • require that we restrict the processing of your personal information in certain circumstances;
  • request access to the personal data that we hold about you;
  • require that, in certain circumstances, we delete the personal information we hold about you;
  • require that we provide you with the information that we hold about you in a structured, commonly used and machine-readable format; and/or
  • withdraw your consent to our using your data for marketing purposes at any time.

You also have the right to lodge a complaint with the Information Commissioner’s Office, which is the UK supervisory authority for data protection issues ( www.ico.org.uk ). We would, however, be grateful if you would contact us in the first instance so we can endeavour to deal with your concerns direct.

If you wish to exercise any of these rights, please contact us at support@cognitivecredit.com .

To protect your privacy and security, we will take reasonable steps to help verify your identity before granting access or making corrections.

13. Changes to this policy or your data

We may amend or modify this privacy notice from time to time. We will post any revised notice on this Application, and if the changes are significant, we will notify our members by email.

It is important that the personal data we hold about you is accurate and current. Please keep us informed if your personal data changes during your relationship with us.

This privacy statement was last updated on 27 September 2019.

For any support inquiries please contact us at:

Email: support@cognitivecredit.com

Telephone: +44 (0)20 8103 3090

For any sales inquiries please contact us at:

Email: sales@cognitivecredit.com

Telephone: +44 (0)20 8103 3091