Privacy Policy

This Privacy Policy describes how BUSINESS.fi (“BUSINESS.fi,” “we,” “us,” or “our”) collects, receives, uses, processes, stores, transfers, discloses, and otherwise handles information in connection with the BUSINESS.fi website, applications, APIs, accounts, subscriptions, business-information services, reports, databases, communications, and related products and services (collectively, the “Services”).

By accessing or using the Services, you acknowledge that you have read and understood this Privacy Policy and understand that information may be handled as described below.

This Privacy Policy applies to information obtained directly from users as well as information obtained from public records, official registers, third-party sources, data providers, business partners, publicly available websites, open-data sources, and other lawful sources.

1. Business and Professional Context

BUSINESS.fi is primarily a business-information, business-intelligence, and professional-services platform.

Accounts, subscriptions, APIs, commercial reports, and paid Services are intended principally for businesses and persons acting in a business, commercial, entrepreneurial, organizational, or professional capacity.

An individual may use the Services in a professional capacity, including as a sole proprietor, entrepreneur, officer, director, employee, consultant, adviser, contractor, or representative of an organization.

Public portions of BUSINESS.fi may also be accessed by other visitors.

The BUSINESS.fi database may contain information relating to natural persons when those persons appear in a business, professional, organizational, ownership, management, representative, registry, public-record, or similar context.

2. Information We Collect

BUSINESS.fi may collect or receive information including the following.

2.1 Account and Registration Information

This may include:

• name;
• company or organization;
• title or position;
• business identifier;
• username;
• email address;
• telephone number;
• account identifiers;
• authentication information;
• billing information;
• subscription details;
• account preferences; and
• communications relating to an account.

2.2 Business and Professional Information

BUSINESS.fi provides business-information and business-intelligence services.

We may therefore collect, process, combine, publish, analyze, and maintain information concerning businesses and individuals acting in a business, ownership, management, organizational, or professional capacity.

Such information may include:

• company names and identifiers;
• registered addresses;
• business locations;
• directors;
• officers;
• board members;
• representatives;
• beneficial ownership information where lawfully available;
• authorized signatories;
• professional contact information;
• company relationships;
• ownership and management relationships;
• financial information;
• filings;
• company events;
• legal and registry notices;
• insolvency-related information;
• risk indicators;
• business classifications;
• sanctions-related or compliance information where lawfully available;
• public web references;
• news references;
• historical information; and
• information derived or inferred from other data.

Certain business or professional information may be displayed publicly through the Services regardless of whether the person or company concerned maintains a BUSINESS.fi account.

2.3 Payment and Transaction Information

When you purchase a subscription or another paid Service, BUSINESS.fi or its payment providers may process:

• billing name and address;
• company identification information;
• tax information;
• invoice information;
• payment status;
• payment method information;
• transaction identifiers;
• subscription history; and
• other information necessary to process and administer payments.

Payment-card information may be processed directly by third-party payment processors rather than stored by BUSINESS.fi.

2.4 Technical and Usage Information

We may automatically collect information such as:

• IP address;
• device identifiers;
• browser type;
• operating system;
• referring and destination pages;
• timestamps;
• login information;
• session identifiers;
• pages viewed;
• search queries;
• features used;
• API activity;
• download activity;
• approximate geographic information derived from technical data;
• error and diagnostic information;
• security events; and
• other information about use of the Services.

2.5 Cookies and Similar Technologies

BUSINESS.fi and its service providers may use cookies, local storage, pixels, tags, logs, analytics technologies, and similar mechanisms for purposes including:

• authentication;
• security;
• session management;
• preferences;
• functionality;
• analytics;
• performance measurement;
• fraud prevention;
• service improvement; and
• marketing.

Your browser may allow you to reject or delete certain cookies. Some Services may not operate correctly if required technologies are disabled.

2.6 Communications and Support Information

When you communicate with BUSINESS.fi, we may retain the contents of the communication and related metadata.

This includes communications concerning:

• support;
• sales;
• billing;
• disputes;
• feedback;
• complaints;
• account administration;
• security matters; and
• legal requests.

2.7 Information Submitted Through the Services

We may process information, files, text, records, messages, documents, metadata, and other content that users submit, upload, transmit, generate, or otherwise provide through the Services.

2.8 Public and Third-Party Sources

BUSINESS.fi may obtain information from sources including:

• government databases;
• company registries;
• open-data sources;
• public websites;
• news sources;
• commercial data providers;
• customers;
• partners;
• APIs;
• publicly accessible directories;
• search engines; and
• other lawful third-party sources.

BUSINESS.fi may combine information obtained from different sources.

2.9 Derived Information

BUSINESS.fi may create additional information through automated or manual analysis, including:

• classifications;
• summaries;
• associations;
• company relationships;
• risk indicators;
• ratings;
• rankings;
• business intelligence;
• predictions;
• scores;
• statistical information;
• inferred attributes;
• aggregated information; and
• de-identified information.

3. How We Use Information

BUSINESS.fi may use information for legitimate business purposes consistent with this Privacy Policy, including to:

• provide and operate the Services;
• create and administer accounts;
• provide business-information and business-intelligence products;
• maintain business and company profiles;
• compile, organize, verify, enrich, classify, and analyze business information;
• generate reports, ratings, scores, summaries, and other outputs;
• process payments and subscriptions;
• issue and administer invoices;
• authenticate users;
• provide customer support;
• communicate with users;
• provide administrative and service-related notices;
• market BUSINESS.fi products and services;
• personalize features and content;
• perform analytics;
• measure use and performance;
• develop new products and features;
• improve existing products and services;
• conduct research and statistical analysis;
• train, test, operate, evaluate, and improve automated processing, search, classification, ranking, scoring, and machine-assisted systems;
• detect abuse, fraud, unauthorized access, security threats, and violations of our Terms;
• enforce contracts and protect legal rights;
• maintain records;
• comply with law;
• respond to lawful governmental and legal requests;
• establish, exercise, or defend legal claims;
• conduct corporate transactions; and
• protect BUSINESS.fi, its customers, users, third parties, systems, and legitimate business interests.

4. Automated Processing and Business Intelligence

Certain BUSINESS.fi Services use automated or machine-assisted systems to analyze information and produce classifications, ratings, scores, summaries, associations, recommendations, risk indicators, and other business intelligence.

Such outputs may be based on information obtained from multiple sources and may involve statistical, algorithmic, automated, or analyst-assisted processing.

Automated or derived outputs are informational only unless BUSINESS.fi expressly agrees otherwise in writing.

BUSINESS.fi may modify its methodologies, algorithms, models, inputs, classifications, and analytical techniques at any time.

5. Disclosure of Information

BUSINESS.fi may disclose information to third parties when reasonably appropriate for operating its business or Services.

Recipients may include:

• hosting providers;
• infrastructure providers;
• cloud service providers;
• payment processors;
• communications providers;
• analytics providers;
• security vendors;
• data processors;
• software vendors;
• contractors;
• consultants;
• professional advisers;
• accountants;
• auditors;
• insurers;
• attorneys;
• affiliates;
• corporate partners;
• data suppliers;
• business partners;
• prospective purchasers or investors;
• governmental authorities; and
• other parties where disclosure is lawful or reasonably necessary.

BUSINESS.fi does not make an unconditional promise that information will never be disclosed, licensed, transferred, or otherwise made available to third parties.

Information that is public, business-related, professional, aggregated, statistical, or de-identified may be distributed, licensed, published, analyzed, commercialized, or otherwise used to the extent permitted by applicable law.

6. Public and Business Information

Certain Services are specifically designed to collect, organize, analyze, preserve, connect, and make available information concerning companies, organizations, business activity, and persons acting in business or professional capacities.

Information obtained from public or lawfully available sources may therefore be:

• incorporated into company profiles;
• indexed;
• searchable;
• analyzed;
• linked to other information;
• historically preserved;
• included in reports;
• used to generate derived information;
• used in ratings or risk assessments; and
• displayed to BUSINESS.fi users or the public.

Closing a BUSINESS.fi account does not necessarily result in deletion of public-source or independently obtained business information maintained separately as part of the BUSINESS.fi business-information database.

7. International Storage, Transmission and Processing

BUSINESS.fi operates through international infrastructure and may use systems, service providers, contractors, affiliates, networks, storage facilities, or other resources located in different countries.

Accordingly, information may be transferred to, transmitted through, remotely accessed from, mirrored, replicated, cached, backed up, retained, stored, or otherwise processed in the United States and in any other country in which BUSINESS.fi or its service providers operate.

This expressly includes countries located outside the European Union and European Economic Area.

Information may pass through multiple countries or technical jurisdictions as part of normal network routing, storage, disaster recovery, redundancy, security, communications, or infrastructure operations.

By using the Services, you understand that the countries in which information is processed may have privacy, governmental-access, disclosure, surveillance, data-protection, or other laws that differ from those applicable in your country.

BUSINESS.fi may determine and change:

• hosting countries;
• processing countries;
• storage locations;
• backup locations;
• replication locations;
• network routes;
• infrastructure suppliers;
• data processors;
• cloud providers; and
• other technical or operational arrangements

without providing separate, individual, transaction-specific, or transfer-specific notice to each user.

No separate approval, consent request, or advance notice will be provided for each individual transfer, storage operation, replication, backup, provider change, routing decision, or processing location unless such action is expressly required by applicable law.

Where applicable law imposes non-waivable requirements concerning particular international transfers, BUSINESS.fi may implement such measures as it determines necessary or appropriate to satisfy those requirements.

8. Service Providers and Infrastructure

BUSINESS.fi may engage third parties to perform functions on its behalf.

These parties may process information in connection with:

• hosting;
• storage;
• backups;
• communications;
• cybersecurity;
• payment processing;
• analytics;
• software operation;
• data processing;
• customer support;
• identity and authentication;
• fraud prevention; and
• other business functions.

BUSINESS.fi may add, remove, or replace service providers at any time without individually notifying users of each provider change except where applicable law expressly requires otherwise.

9. Corporate Transactions

If BUSINESS.fi or any portion of its business, assets, Services, databases, intellectual property, or operations is involved in a merger, financing, acquisition, restructuring, reorganization, sale, transfer, bankruptcy, insolvency, or similar transaction, information may be disclosed and transferred as part of that transaction.

A successor may continue processing information in accordance with the privacy policy applicable following the transaction, subject to applicable law.

10. Legal and Protective Disclosures

BUSINESS.fi may preserve, access, use, or disclose information when it reasonably believes doing so is appropriate to:

• comply with law or legal process;
• respond to court orders, subpoenas, warrants, governmental demands, or regulatory requests;
• enforce agreements;
• collect amounts owed;
• investigate suspected unlawful conduct;
• detect or prevent fraud;
• address security incidents;
• protect BUSINESS.fi property or systems;
• protect the rights or safety of any person;
• establish or defend legal claims; or
• otherwise protect legitimate interests.

BUSINESS.fi may challenge, narrow, reject, or comply with a request in its discretion except where law requires otherwise.

11. Aggregated and De-Identified Information

BUSINESS.fi may create aggregated, statistical, pseudonymized, or de-identified information from information available to it.

To the extent such information is not treated as personal information under applicable law, BUSINESS.fi may:

• retain it indefinitely;
• analyze it;
• disclose it;
• license it;
• publish it;
• commercialize it; and
• use it for any lawful business purpose.

12. Data Retention

BUSINESS.fi may retain information for as long as it reasonably determines necessary or useful for:

• operating the Services;
• maintaining business-information databases;
• preserving business and registry history;
• evidence and audit purposes;
• contractual obligations;
• billing and accounting;
• fraud prevention;
• dispute resolution;
• security;
• backup and disaster recovery;
• legal compliance;
• enforcement; and
• protection of legal rights.

Different categories of information may be subject to different retention periods.

Public-source information, company history, company events, statistical information, derived information, system logs, evidence records, billing records, and de-identified information may be retained for extended periods or indefinitely where BUSINESS.fi has a legitimate reason to do so and applicable law permits.

Deletion from active systems may not result in immediate deletion from backups, archives, immutable records, disaster-recovery systems, security records, evidence records, or other retained copies.

13. Security

BUSINESS.fi may employ administrative, organizational, technical, and physical safeguards that it considers appropriate for the nature of the Services.

However, no network, computer system, encryption mechanism, transmission method, storage system, or security measure can be guaranteed to be completely secure.

Accordingly, BUSINESS.fi does not warrant or guarantee that unauthorized access, loss, misuse, disclosure, alteration, destruction, malware, cyberattack, system compromise, or another security incident will never occur.

Users are responsible for maintaining the confidentiality and security of their credentials, authentication methods, systems, and devices.

14. Requests Concerning Information

Depending on applicable law and the circumstances, a person may have rights concerning certain information.

BUSINESS.fi will evaluate requests and provide rights to the extent required by applicable law.

Certain information may not be eligible for deletion, restriction, alteration, or removal, including where it:

• originates from public records;
• forms part of a historical business-information record;
• concerns an organization or professional activity;
• is required for legal compliance;
• must be retained for accounting or contractual purposes;
• is necessary to establish or defend legal claims;
• is retained for security or fraud prevention;
• is contained in backup or archival systems; or
• is otherwise lawfully retained.

BUSINESS.fi may require identity verification and additional information before processing a request.

15. Marketing Communications

BUSINESS.fi may send users service communications and, where permitted, marketing communications.

Users may opt out of certain marketing communications using an unsubscribe mechanism made available with those communications.

Administrative, transactional, security, billing, legal, contractual, and other non-marketing communications may continue after a marketing opt-out.

16. Third-Party Websites and Services

The Services may contain links to, integrations with, or information originating from third-party websites or services.

BUSINESS.fi does not control and is not responsible for the privacy, security, availability, content, accuracy, or practices of third parties.

Use of third-party services is subject to the policies and terms of those third parties.

17. Minors

The Services are intended for business and professional use and are not directed to children.

A person must be at least 18 years old, or the applicable age of legal majority if higher, to create a BUSINESS.fi commercial account or enter into a paid subscription unless BUSINESS.fi expressly agrees otherwise in writing.

18. Changes to This Privacy Policy

BUSINESS.fi may modify this Privacy Policy from time to time.

The current version will be made available through the Services and will identify its effective or last-updated date.

Changes may become effective when posted or at another date identified by BUSINESS.fi.

Where applicable law requires additional notice or consent for a particular change, BUSINESS.fi will provide such notice or obtain such consent only to the extent legally required.

Continued use of the Services following the effective date of an updated Privacy Policy constitutes acknowledgment of the updated Policy to the fullest extent permitted by law.

19. No Contractual Expansion of Rights

This Privacy Policy describes BUSINESS.fi information practices.

It does not create contractual, fiduciary, statutory, or other rights beyond those expressly provided by applicable law or separately agreed to in writing by BUSINESS.fi.

Nothing in this Privacy Policy constitutes a representation that any particular privacy or data-protection law applies to BUSINESS.fi, a particular user, a particular processing activity, or a particular item of information.

20. Language

This Privacy Policy is prepared and maintained in the English language.

English is the official and controlling version of this Privacy Policy.

BUSINESS.fi may, but is not obligated to, provide translations for convenience.

If BUSINESS.fi publishes a translation and there is any inconsistency, ambiguity, or conflict between the English version and a translated version, the English version will control to the maximum extent permitted by applicable law.

21. Contact

Questions or requests concerning this Privacy Policy may be submitted using the contact information made available through BUSINESS.fi.

Operator: BUSINESS.fi