Terms of Use

Please read this carefully as it affects your legal rights and sets out the terms and conditions (“Terms and Conditions”) subject to which we, KRisk, will allow you to use our website (the “Website”) and the information contained within it.

Your continued use of the Website signifies acceptance of the Terms and Conditions in their entirety and without modification. If you do not accept these Terms and Conditions in full, you must make no further use of the Website.

Your use of the Website is also governed by our Privacy Statement.

—

## Limitation of Liability and Disclaimers

KRisk uses its reasonable endeavours to ensure that the information on the Website is accurate and helpful at all times. However, we do not warrant the accuracy of that information and cannot be held liable for any use of or reliance on that information except as specifically agreed by us in writing.

The information contained in the On-line Resource Centre is general in nature, and is only intended as a guide and is not intended as a substitute for professional advice.

Any link on the Website is provided solely for your convenience. The link does not represent any endorsement or recommendation by KRisk. KRisk does not accept any liability for any loss, damage, expense, costs or liability whatsoever incurred by you as a result of arrangements made with any third parties.

KRisk will use its reasonable endeavours to ensure that all documents and files posted on the Website are free from viruses. However, KRisk cannot guarantee that documents or files downloaded from the Website will be free from viruses and we do not accept any responsibility for any damage or loss caused by any virus. Accordingly, for your own protection, you must use virus-checking software when using the Website.

Nothing within these Terms and Conditions operates so as to exclude, limit or restrict our liability for death or personal injury caused by our negligence, or our fraud or fraudulent misrepresentation, or any liability that cannot be excluded or limited by English law.

To the extent permitted by law, we exclude all conditions, warranties, representations or other terms which may apply to our Website or any content on it, whether express or implied.

Where you deal as a consumer, nothing in the above exclusions affects your statutory rights.

—

## Intellectual Property Rights

The contents of the Website are Copyright KRisk unless otherwise stated. Use of such copyright will only be permitted within the scope of the licence contained in “Your Licence to use the Website” below.

Trademarks displayed may have been registered by a third party, and nothing contained in these Terms and Conditions or on the Website should be construed as granting by implication, estoppel, or otherwise, any licence or right to use any of these trademarks without the permission of the owner of the trademark.

—

## Your Licence to use the Website

You may download to a local hard disk and print extracts from the Website solely for personal and non-commercial use, also to influence the way in which risk management is carried out in your place of work.

You must not modify the paper or digital copies of any materials you have printed off or downloaded in any way, and you must not use any illustrations, photographs, video or audio sequences or any graphics separately from any accompanying text.

You may not reproduce the contents of the Website in any form unless it is for personal and non-commercial use or unless KRisk gives express written permission to you to do so.

You must treat your login and password details as confidential and you must not disclose them to any third party. You are responsible for and accept liability for any use of the Website by you or by anyone else using a login and password which has been issued to you. We have the right to disable any login or password, whether chosen by you or allocated by us, at any time if, in our absolute discretion, you have failed to comply with any of the provisions of these Terms and Conditions.

You may not copy or otherwise incorporate into or store in any other website, electronic retrieval system, publication or other work, any of the content of the Website in any form (whether hard copy, electronic or other) unless KRisk gives express written permission to you to do so.

You may not frame or link to the Website or any part of it without our express written permission to do so.

—

## General Notices

KRisk reserves the right to change these Terms and Conditions at any time. Any such change will be effective as soon as it is reflected in the text of these Terms and Conditions and published on this web page. You should check the Terms and Conditions periodically to ensure that you are aware of and are complying with the current version.

The interpretation, construction, effect and enforceability of these Terms and Conditions and your use of the Website shall be governed by English law, and both parties agree to submit to the exclusive jurisdiction of the English courts for the determination of all disputes relating to your use of the Website.

—

## Privacy Policy

**Introduction**
KRisk (hereinafter “we”, “us”, or “our”) is committed to protecting and respecting the personal data that we hold. This privacy statement describes why and how we collect and use personal data and provides information about individuals’ rights. It applies to personal data provided to us, both by individuals themselves or by others. We may use personal data provided to us for the purposes described in this privacy statement or as made clear before collecting personal data.

Personal data is any information relating to an identified or identifiable living person. When collecting and using personal data, our policy is to be transparent about why and how we process personal data.

We process personal data for numerous purposes, and the means of collection, lawful basis of processing, use, disclosure, and retention periods for each purpose are set out in the relevant sections below.

**Security**
We take the security of all the data we hold seriously. Staff are trained on data protection, confidentiality and security. We have a framework of policies and procedures which ensure we regularly review the appropriateness of the measures we have in place to keep the data we hold secure.

All information you provide to us is stored on our secure servers. Unfortunately, the transmission of information via the internet is not completely secure. Although we will do our best to protect your personal data, we cannot guarantee the security of your data transmitted to our site; any transmission is at your own risk.

**Data We Hold and Why**
We provide services to individuals as well as organisations. The exact data held will depend on the services to be provided.

* **Providing Services:** Data is used for training courses, examinations leading to professional qualifications, and membership.
* **Individual Needs:** Personal data may be processed to ensure client needs are appropriately satisfied and services are appropriate.
* **Administration:** We process data to maintain internal business records, manage relationships, and host events.
* **Regulatory Compliance:** We may process data to fulfil legal or ethical requirements, such as identity verification.

**What Data is Processed?**

* **Individuals:** Name, contact details, medical records (where relevant), ID documents (Passport/Driving Licence), qualifications, membership data, bank details, and media (photos/videos).
* **Business Contacts:** Name, email, physical address, and job title stored in our CRM tool.
* **Applicants:** Data collected during the application process to assess potential employment. This is held for a maximum of one year if the applicant is not hired.
* **Suppliers:** Contact names and details of suppliers and subcontractors to manage the relationship and receive services.

**How Long Do We Hold Data?**
We retain personal data for as long as is considered necessary for the purpose for which it was collected. Data may be held for longer periods where required by law or regulation and in order to establish, exercise or defend our legal rights.

**Sharing Personal Data**
We will only share personal data when legally permitted. Data may be transferred to:

* Third-party IT and cloud service providers.
* Third-party venues for training and examinations.
* Trainers administering courses on behalf of KRisk.
* Law enforcement or regulatory agencies when required by law.

**Individual’s Rights**
Individuals have the following rights:

* Request access to their personal data.
* Request rectification of incorrect data.
* Request erasure of personal data.
* Withdraw consent at any time.
* Restrict or object to processing and the right to data portability.
* Request human intervention in automated decision-making.