Trust Center

FICO Analytic Cloud Trust Page

The flexibility and accessibility of the cloud allows people to discover new opportunities and respond to changing markets faster than ever before. Applications that used to take months or years to develop are now in users’ hands in weeks. But the efficiencies of cloud computing require increased levels of trust. Trust that your data is protected with the level of care that you and your customers deserve. The FICO Analytic Cloud Trust Page provides the information you need to feel confident with FICO as your cloud provider. Our goal is to deliver the peace of mind that lets you focus on using software and not worry about maintaining it.

Security

Your customer data, business data, and IP are critical assets for you and your organization. In protecting these assets for you, FICO has taken a multi-faceted approach to data security that covers:

  • User specific access controls
  • Access and use transparency
  • Data center security
  • Security for data in transit and at rest
  • Building secure software

We are committed to incorporating the appropriate application security controls and ensuring the confidentiality, integrity and availability of all internal and external applications we developed and/or maintain. The security controls we use are based on FICO Information Security Department defined security requirements for application design, coding and testing practices to avoid vulnerabilities and protect against common threats.

FICO follows and enforces industry best practices for security and also follows best practices in software development. Please see the Secure Software Development Lifecycle section for more details. FICO conducts regular audits to check on compliance with these internal standards. The FICO Information Security Department is tasked with monitoring and compliance.

Through alignment of standards from the Cloud Security Alliance, review of other industry guidelines, and regular independent review by third parties; FICO continues to evolve these internal standards and best practices.

User Specific Access Controls
Your data is Your Data. FICO uses your data only for the purposes you have authorized through your agreement(s) with FICO. Please see the FICO Analytic Cloud Privacy Policy, specific license agreements you may have with FICO, and also the terms and conditions for subscriptions you have made through the FICO Analytic Cloud Marketplace.

FICO lets you control access to your data in your own isolated environment on the FICO Analytic Cloud for your registered users.

Registered users login to the FICO Analytic Cloud through a Single Sign-On (SSO) feature that is supported by a secure identity and access management service. Please see FICO Analytic Cloud Access Control for more details.

You will be able to allow or block user users’ access to your applications and from within a specific application you will be able to control access depending on what the user is doing and the access model for the application. Please see the FICO Analytic Cloud website for more specifics regarding the solutions that interest you, or Contact Us.

Access and Use Transparency
Your data is Your Data and your ability to see how the FICO Analytic Cloud is being used on your data within your isolated environment on the FICO Analytic Cloud is your right. When requested, FICO will provide you a detailed audit report for every action or activity that occurs on your isolated environment.

FICO logs and safeguards audit data for at least one year and will make these reports available upon client request. The requested and protected audit reports contain data for events that include user identification, event type, date and time, success or failure indication, event origination, and identity or name of affected data, system component or resource.

In addition, FICO will manage and protect user log files and protect these files from any unauthorized modifications. FICO will:

  • Back up audit trail files to a centralized log server or media that is difficult to alter.
  • Use file integrity monitoring or change detection software on logs to ensure that existing log data cannot be changed without generating alerts.
  • Retain audit trail history for a minimum of one year.

Data Center Security
FICO has built data center environments specifically to host the FICO Analytic Cloud and the unique security and privacy requirements of analytic customers. The globally dispersed data center infrastructure utilizes industry best practices to minimize downtime, deliver security and protect against malware. The best practices of the FICO data center environments include:

  • Up-to-date physical and electronic safeguards
  • Physical and electronic access managed based on the principles of need-to-know and least privilege, meaning all access must be granted in a manner that allows only the necessary rights to perform the function of the defined role.
  • Ongoing monitoring of internal resources with warning and critical thresholds configured to alert our 24/7 Support Team of any potential degradation or interruption of service.
  • A dedicated client-facing support organization focused on providing the highest levels of customer support.
  • Industry standard disaster recovery capabilities.
  • Geographically diverse data centers.
  • Global support organization designed to ensure systems run effectively on a 24/7 basis.

Currently, the FICO Analytic Cloud has been designed to deliver 99.99% uptime availability. Service level standards (SLAs), including uptime/availability standards for individual solutions available through the FICO Analytic Cloud vary. Please see the FICO Analytic Cloud website for more specifics regarding the solutions that interest you, or Contact Us.

Security for Data in Transit and at Rest
Foundational to securing your data in transit and at rest is a FICO Analytic Cloud network that has been designed based on the concept of “Defense in Depth”. We use multiple, independent computer networking techniques which are mutually supporting in order to provide redundancy.

Best practices incorporated into the FICO Analytic Cloud network include:

  • Demilitarized Zones for Internet facing services
  • Network Monitoring/Intrusion Detection
  • DoS Network Protections
  • Multiple layers of external firewalls
  • PCI-DSS specific requirements

FICO uses the latest technology and industry best practices for encrypting data in transit and at rest. For data in transit we use current encryption protocols and hashing algorithms, encrypting data across networks with CA issued certificates. FICO uses a range of industry standard techniques to protect sensitive data at rest including encryption, redaction, and obfuscation.

Product and solutions on the FICO Analytic Cloud use an encryption approach that is tailored to the specific solution. If you would like more information about data at rest encryption for any specific solution, please refer to the solution details on the website, or Contact Us.

Building Secure Software
At FICO, software security is not something that happens at the last moment, it is a method and way of building products that starts from ground-up before even one line of code is written by a FICO development team. A keystone at FICO in building secure products is the Secure Software Development Lifecycle (SSDL) Program. Please see the Secure Software Development Lifecycle section for more details.

The Secure Software Development Lifecycle
The Secure Software Development Lifecycle (SSDL) program guides development teams at FICO on development practices that assure that FICO developed products are secure; developed with appropriate application security controls to ensure confidentiality, integrity, and availability.

SSDL training and development standards are based on a hybrid risk model guided by industry best practices based on OWASP and other industry guidelines and includes requirements for application design, coding and testing practices to avoid vulnerabilities and protect against common threats.

The SSDL includes:

  • Computer Based Training (CBT’s)
  • Security (peer) Code Review
  • Static Code Analysis (SCA)
  • Dynamic Application Security Testing (DAST)
  • Vulnerability Assessments

The Secure Software Development Lifecycle program is defined and supported by the FICO Information Security Department and under the guidance of the FICO Secure Software Steering Committee.

FICO Analytic Cloud Access Control
The FICO Analytic Cloud is supported by a set of core identity and access management services that regulate how people login to the FICO Analytic Cloud and associated products through an easy Single Sign-On (SSO) capability. Access management includes the processes and technologies used to create, validate, protect, and disable user account passwords. The same login, auditing, roles, and permissions are used across the entire FICO® Analytic Cloud for all products and solutions. The following techniques are used to protect access:

  • Password lockout, timeout, and expiration
  • Strict password strength requirements
  • Strong user authentication security

The Cloud Security Alliance
The Cloud Security Alliance a not-for-profit organization with a mission to promote the use of best practices for providing security assurance for cloud computing, and to provide education on the uses of cloud computing to help secure all other forms of computing (www.cloudsecurityalliance.org). The Cloud Security Alliance is led by a broad coalition of industry practitioners, corporations, associations and other key stakeholders.

Compliance

Verified by Independent Third-Parties
FICO follows and enforces the industry-specific standards PCI-DSS and ISO 27001. These standards are subject to independent assessment and certification that is performed by accredited third-parties.

PCI-DSS
The FICO Analytic Cloud is PCI-DSS certified. The Payment Card Industry Data Security Standard (PCI-DSS) is an information security standard for all organizations that process, store, transmit, and manage payment card data.

PCI-DSS certified means that FICO Analytic Cloud adheres/meets all of the PCI Security Standards and that solutions offered via the FICO Analytic Cloud that are designed to process or store payment card data are built to the PCI-DSS standard.

To meet the PCI-DSS standard, FICO requires that a PCI Attestation and Report of Compliance (AOC/ROC) is performed annually by an external qualified security assessor. If you have a question about the PCI certification of the FICO Analytic Cloud or a given solution, please Contact Us.

Participating Organization of the PCI Security Standards Council
FICO is a Participating Organization of the PCI Security Standards Council and a contributor to the PCI compliance standards setting process. The Council has sought to facilitate the development of a worldwide community encompassing all areas of the payment card processing industry, in which all participants are able to review and discuss new versions of the PCI Security Standards, learn about Council initiatives, and share cross-sector experiences and best practices. To learn more go to: https://www.pcisecuritystandards.org/index.php.

ISO 27001
The FICO Analytic Cloud is built and managed to the ISO 27001:2013 standard which provides requirements for establishing, implementing, maintaining and continually improving an information security management system.

The ISO 27001 assessment and certification is performed by an accredited third-party every three years. As part of our commitment to the ISO 27001 standard and supplying secure service to our customers, FICO continually maintains and improves our information security systems based on best practices and the evolving information security environment. In addition to the third party review, internal assessment activities are completed annually.

For more information about FICO Analytic Cloud security and compliance, please download our executive brief here.

This website is owned and operated by FICO. At FICO we are committed to providing you with analytic tools and decision management products and services to meet your needs. Our commitment includes protecting personally identifiable information we obtain about you when you register to use one of our websites or become our customer (“Personal Information”). We want to earn your trust by providing strict safeguards to protect this information. This FICO Privacy Policy describes how we collect, use and disclose Personal Information. This Policy applies to members, customers, former customers, users, and applicants.

Note: If you are an individual and you register to use one of our websites, or become our customer by obtaining a product from us to be used primarily for personal, family or household purposes, please review the separate myFICO Privacy Policy that applies to you and your transactions with FICO and our consumer division, myFICO at www.myFICO.com.

Collection of Personal Information
We collect information from applications, questionnaires, and other forms you submit to us, such as your name, your job title, your company’s name and industry sector, your company’s location (country, state and zip code), and your contact information (address, email, and telephone number). We collect information from your transactions and interactions with us, such as your professional interests, or information you may provide via your interactions with our online forums, blogs, or participation in our online communities. We may collect information from credit bureaus if it is necessary for the delivery of the services we provide you, and we may access public sources of information, such as census data and real estate records, and private sources of information such as business bureau, industry analyst, or market research data. We do not permit other parties to collect Personal Information about your online activities over time and across different websites when you use our website or service.

Collecting Personal Information is necessary for performance of the services and functionalities offered on the website. If you decline to provide the requested Personal Information, we may not be able to process your inquiry, provision access to certain functionality, or fulfill requests. This website is hosted by FICO on servers located in the United States and other countries. If you are located in a non-US jurisdiction, you may be sending your Personal Information to the United States or another jurisdiction that does not have laws that provide an equivalent level of data protection to the laws in your home country.

Use of Cookies
We may use web-based tools when you visit our websites, such as “cookies” to track your online activities, including your registration, submissions, and information requests, in accordance with applicable law. Cookies are small text files placed by a website server on your computer or other device you are using to access the website. They are NOT viruses, capable of being programmed, capable of spreading malware or capable of identifying you personally. Some collect anonymous information of the pages you have viewed, and are used to assess the website’s performance so that we, in turn, can monitor and improve performance. Other cookies track your online activities on this website, including the IP address from which you accessed the website, and may link that information with Personal Information you have provided us through online registration, to help us remember your settings, all with a view to improving your experience on the website. We may also use your IP address to help diagnose problems with our server and to administer the website. The length of time we may keep a cookie on your device will depend on the nature of the cookie and the reason we have set it. We use “session” cookies, which expire when you close your browser and do not remain on your computer or device. We also use “persistent” cookies, which remain on your computer or device, and which are deleted when they are no longer necessary. Some cookies are necessary for the functioning of the website and will be set automatically on your arrival. The remainder are deployed only after you have given your consent.

Use of Google Analytics Cookies
This website uses Google Analytics, a web analyst service provided by Google, Inc. (“Google”). Google Analytics uses “cookies”, which are text files placed on your computer to help the website analyze how users use the site. The information generated by the cookie about your use of the website (including your IP address) will be transmitted to and stored by Google on servers in the United States. Google will use this information for the purpose of evaluating your use of the website, compiling reports on website activity for website operators and providing other services relating to website activity and internet usage. Google may also transfer this information to third parties where required to do so by law, or where such third parties process the information on Google’s behalf. Google will not associate your IP address with any other data held by Google. You may refuse the use of cookies by selecting the appropriate settings on your browser, however please note that if you do this you may not be able to use the full functionality of this website. By using this website you consent to the processing of data about you by Google in the manner and for the purposes set out above. Full terms relating to the use of Google Analytics can be accessed at http://www.google.co.uk/analytics/tos.html.


List of Cookies Used

Cookie TypeCookie NameExpiresDescriptionMore Info
Session CookiePHPSESSIDAt end of sessionMaintain information about each visit and enable core site functionality
Session CookieSimpleSAMLAuthTokenAt end of sessionThis cookie is used to identify you as a user between page loads and maintain the information and functionality across the site.
WordPresswordpress_*At end of sessionThis cookie is used by WordPress to identify you as a user between page loads and maintain the settings.Read more
Load Balancer CookieAWSELB60 minsThis cookie is essential to help ensure that the website loads efficiently by distributing visits across multiple web servers.Read more
Segment.ioajs_group_id365 daysBrowsing and usage data cookieRead more
Segment.ioajs_user_id365 daysBrowsing and usage data cookieRead more
Segment.io_sio2 yearsBrowsing and usage data cookie
Session Cookie JSESSIONIDAt end of sessionMaintain information about each visit and enable core site functionality
Google Analytics_utma2 YearsThis cookie is used to anonymously count the number of visits as well as when and how many times the anonymous visitor was on our site.Read more
Google Analytics_utmb30 minsThis cookie is used to track the pages an anonymous visitor lands on in one visit to the site.  _utmb is a session cookie and is removed at the end of the session.Read more
Google Analytics_utmcAt end of sessionThis cookie is used to track where the first place an anonymous visitor goes when they leave our site. _utmc is a session cookie and is removed at the end of the session.Read more
Google Analytics_utmz30 minsThis cookie is used to determine which single site or search engine the anonymous visitor came from just before their visit to our site.Read more
Google Analytics_ga2 yearsCombination of the above 4 google analytics cookieRead more

How to Enable and Disable Cookies Using Your Browser                                                                                     
Your web browser may be set to accept cookies automatically, but can be changed to decline them. The Help section of the toolbar on most browsers will tell you how to set your browser to prevent accepting new cookies, how to have the browser notify you when you receive a new cookie, or how to disable cookies altogether. Please note that if you decline to accept cookies, then you may be required to re- register each time you download or request materials from the website.

Use of Personal Information
We use Personal Information to register you with the website; provide you with requested information or services; and analyze and research improvements to the website, and our products and services. We may also from time to time use your contact information to send you information about FICO and marketing materials via telephone, automated email messages, and direct mail. These email messages may contain web beacons and other features that tell us you received and were able to open the message. We do not honor electronic do-not-track signals sent by your browser when you visit our site or other mechanisms that would give you the ability to exercise choice regarding the collection of Personal Information about your online activities over time and across third party websites, but at any time you may opt out of receiving further email communications from us by clicking the unsubscribe link in the footer of all FICO email messages. You may also opt out of receiving any marketing solicitation from us, including email, direct mail, and phone solicitations, by calling us at 1.888.FICO.EDM (1-888-342-6336) at any time Monday through Friday. This website contains links to other websites; FICO is not responsible for the privacy practices or the content of other websites.

Disclosures of Personal Information
FICO may disclose Personal Information to third parties as required or permitted by law, under the following circumstances:

  1. We may disclose Personal Information to companies in our corporate group as necessary or appropriate to provide the product or service you requested, to contact you in connection with product or service offerings, or for other legitimate business purposes.
  2. We may disclose certain Personal Information to companies and individuals with whom we contract to perform business functions and services on our behalf. Such business functions may include hosting our web servers, analyzing data, providing legal, accounting and marketing services, and providing other support services.
  3. We may disclose certain Personal Information to other companies and individuals to help us market our products, including business partners in joint marketing agreements. We require all such parties to maintain the security and confidentiality of the Personal Information, and to process the data in accordance with our instructions.
  4. We may disclose Personal Information to the extent necessary or appropriate to government agencies, advisors, and other third parties in order to comply with applicable laws, or if such action is necessary to protect the rights or property of FICO or its affiliated companies.

The recipients of your Personal Information may be located in your country or elsewhere, and a recipient’s country (e.g., the United States) may have different data privacy laws and protections than your country. You may request a list with the names and addresses of any potential recipients of your personal data by contacting FICO, as described in this Policy. You may, at any time, view your personal data, request information about the storage and processing of it, require any necessary amendments to it, or refuse or withdraw the consents herein, in any case without cost, by contacting FICO in writing, as described in this Policy. Your personal data will be held only as long as is necessary to implement, administer and manage your business relationship with FICO.

Unless you tell us otherwise, FICO will assume with respect to the disclosures described above that you consent to these disclosures on a purely voluntary basis. If you do not consent, or if you later seek to revoke your consent, your then current status with FICO will not be affected; however, you understand that FICO may no longer thereafter be able to implement, administer, and manage your business relationship with FICO. For security reasons, FICO will take steps to authenticate your identity before providing you with access to Personal Information.

Personal Data Security and Confidentiality
We have up-to-date physical safeguards, such as secure areas in buildings; electronic safeguards, such as passwords and encryption; and procedural safeguards, such as customer authentication procedures to prevent ID theft. We restrict access to information about you to only those employees who need to know that information to provide products or services to you. We carefully select and monitor outside service providers, such as mail vendors, who have access to customer information, and we require them to keep it safe and secure. We do not allow them to use or share the information for any purpose other than the job they are hired to do. We train our employees on these security procedures, and we conduct regular audits to check on compliance with the procedures.

The EU-U.S. Privacy Shield Framework and the U.S.-Swiss Privacy Shield Framework
FICO participates in the EU-U.S. Privacy Shield Framework and the U.S.-Swiss Privacy Shieldr Framework as set forth by the U.S. Department of Commerce regarding the collection, use, and retention of Personal Information from European Union member countries and Switzerland. FICO has committed to subject to the Principles of the Privacy Shield all personal data received from the EU in reliance on the Privacy Shield, including (1) notice; (2) choice; (3) accountability for onward transfer to third parties, for which FICO may be liable if we are responsible for the event giving rise to the damage; (4) security; (5) data integrity and purpose limitation; (6) access; and (7) recourse, enforcement and liability.

  1. Notice. We will notify you about the purposes for which we collect and use information about you. We will provide information about how you can contact us with any inquiries or complaints, the types of third parties to which we disclose the information and the choices and means you have for limiting its use and disclosure.
  2. Choice. We will not disclose your Personal Information to a third party for a purpose incompatible with the purpose for which it was originally collected, or subsequently authorized by you, without your consent. For sensitive information, we will get your explicit (opt in) consent if the information is to be disclosed to a third party or used for a purpose other than its original purpose or the purpose authorized subsequently by you. You may withdraw your consent at any time by contacting us as described in this Policy.
  3. Onward Transfer. If we transfer Personal Information to a third party that is acting as an agent, we will (i) transfer such data only for limited and specified purposes; (ii) ascertain that the agent is obligated to provide at least the same level of privacy protection as is required by the Principles; (iii) take reasonable and appropriate steps to ensure that the agent effectively processes the Personal Information transferred in a manner consistent with the organization’s obligations under the Principles; (iv) require the agent to notify the organization if it makes a determination that it can no longer meet its obligation to provide the same level of protection as is required by the Principles; (v) upon notice, including under (iv), take reasonable and appropriate steps to stop and remediate unauthorized processing; and (vi) provide a summary or a representative copy of the relevant privacy provisions of its contract with that agent to the Department of Commerce upon request.
  4. Security. We will take reasonable and appropriate measures to protect Personal Information from loss, misuse and unauthorized access, disclosure, alteration and destruction, taking into due account the risks involved in the processing and the nature of the personal data.
  5. Data Integrity and Purpose Limitation. We will collect and retain Personal Information that is relevant to the purposes of processing, and not in a way incompatible with the purposes for which it has been collected or subsequently authorized by you. We will take reasonable steps to ensure that personal data is reliable for its intended use, accurate, complete, and current.
  6. Access. You will have access to Personal Information about yourself that we hold, and you may correct, amend, or delete that information where it is inaccurate, except where the burden or expense of providing access would be disproportionate to the privacy risks in question, or where the rights of persons other than you would be violated. For security reasons, FICO will take steps to authenticate your identity before providing you with access to Personal Information.
  7. Recourse, Enforcement and Liability. FICO will maintain a mechanism to provide that your complaints or disputes are investigated and resolved, and damages awarded where applicable law so provides. FICO will remedy problems arising out of its failure to comply with the Principles. If you believe FICO has violated its obligations to you under the Principles, you should first raise the claimed violation directly with us, and we will respond within 45 days of receiving a complaint. If we are unable to resolve your complaint, you should next raise the issue through your Data Protection Authority to the U.S. Department of Commerce and afford the Department of Commerce an opportunity to use best efforts to resolve the issue, at no cost to you. Then, if such violation still remains fully or partially unremedied, you may contact JAMS, which is an international dispute resolution provider, at no cost to you. JAMS may be reached by Internet at @jamsadr.com, phone 800.352.5267, or mail to JAMS, 18881 Von Karman Ave. Suite 350, Irvine, CA 92612. If you are contacting JAMS to lodge a complaint, you must include the following information: the name of company, the alleged privacy violation, your contact information, and whether you would like the particulars of your complaint shared with the company. For information about JAMS or the operation of JAMS’ dispute resolution process, contact Kathleen Pierz, JAMS Global Practice Development Manager, kpierz@jamsadr.com, 212.607.2771. The JAMS dispute resolution process shall be conducted in English. For complaints and disputes over human resources data, FICO has agreed to cooperate with Data Protection Authorities.

FICO is subject to the investigatory and enforcement powers of the Federal Trade Commission and other U.S. authorized statutory bodies. FICO will disclose Personal Information to lawful requests by public authorities, including to meet national security or law enforcement requirements. To learn more about the EU-U.S. Privacy Shield and view the List of companies included in the Privacy Shield visit https://www.privacyshield.gov.

Contacting FICO
If you have a question about our privacy practices, or want to submit a complaint, contact us at: 

United States
Vance Gudmundsen, Privacy Officer
903 Falls Bridge Lane
Great Falls, VA 22066 USA
Email Address: vancegudmundsen@fico.com

European Union
Simon Elsom, Vice President Legal
Cottons Centre 5th Floor
Hays Lane
London SE1 2 QP
United Kingdom
Email Address: simonelsom@fico.com

FICO Analytic Cloud Marketplace and Subscription Websites

Marketplace Privacy Policy

A prominent feature of this FICO Analytic Cloud website is that it provides access to the FICO Analytic Cloud Marketplace (“Marketplace”). The Marketplace enables transactions for FICO products and third-party sponsored subscription services and software (“Subscription Services”). You may get access to the Marketplace by registering on the FICO Analytical Cloud website. The Marketplace infrastructure includes an interface through which users may learn about and purchase Subscription Services. Generally, the privacy and security provisions set forth above apply when you visit the Marketplace. However, the following provisions apply specifically and exclusively to your access to and use of the Marketplace, and supersede any inconsistencies with the other provisions of this Privacy Policy:

Information Collected

  • The Marketplace may enable third party content providers to read and write cookies to your browser in connection with your access of that content displayed on the Marketplace.
  • FICO may obtain Personal Information about you from third parties and sources other than the Marketplace, such as a syndication partner.

Use of Information

FICO may use the information that you provide or that it collects to understand and analyze the usage trends and preferences of users, to (a) improve the way the Marketplace works and looks, and to create new features and functionality; (b) personalize its services, such as remembering user information so that you will not have to re-enter it during your visit or the next time you use the Marketplace; (c) monitor and analyze the effectiveness of the Marketplace; (d) monitor aggregate website usage metrics such as total number of visitors and pages viewed; and (e) track your entries, submissions, and status in any promotions or other activities.

Disclosure of Marketplace Information

  • FICO does not sell, lease, license or otherwise disclose Personal Information to third party marketers that are unaffiliated with the Marketplace.
  • Any Personal Information that you voluntarily provide in an area on the Marketplace that is accessible to other users, may be collected, used, and disclosed by those users. FICO has no control over such Personal Information, which may be collected, used, or disclosed by other users without restriction.
  • FICO may disclose aggregate non-personally-identifiable information to other interested third parties, to assist such parties in understanding the usage, viewing, and demographic patterns for certain programs, content, services, and/or functionality on the Marketplace.

Marketplace Third Party Products and Services

The Marketplace may contain links to websites and services provided by third parties, including without limitation third party developers who offer solutions through the Marketplace. Any Personal Information you provide on third party websites is subject to that third party’s policies, if any, governing privacy, security, and website terms of use. FICO is not responsible for the content or privacy and security practices and policies of third party websites or services to which links are displayed on the Marketplace.

Subscription Websites Privacy Policies

The Subscription Services, available through the Marketplace, are provided in a software-as-a-service (“SaaS”) environment, delivered at the request of the user, through Marketplace websites that are owned and operated by FICO or independent third parties (“Subscription Websites”). You must execute a separate contract with the owner of a Subscription Website in order to have access to the Application Solutions offered at that Subscription Website. Each Subscription Website will have its own Privacy Policy that applies to your interactions at that website. 

Revisions to the Policy
If we change this Privacy Policy we will post the changes here with 30 days’ notice before the revised Privacy Policy becomes effective. This Notice is effective as of April 17, 2017.

The FICO Analytic Cloud Web Sites (the “Site(s)”), including Subscription Websites offered through the Marketplace, are an online information and application service provided by Fair Isaac Corporation and/or, its parent companies, subsidiaries, affiliates, and divisions, all of which are referred to herein as collectively “FICO” for our FICO Analytic Cloud application solutions, which are provided in a Software-as-a-Service (“SaaS”) environment, hosted in our data centers, and subject to your compliance with the terms and conditions set forth below.

Please read the following information carefully before using this Site. By accessing or using this Site, you agree to be bound by these Terms of Use. If you do not agree with any of the below Terms of Use, do not use this Site. FICO reserves the right, in its sole discretion, to modify, alter or otherwise update these Terms of Use at any time and by continuing to use the Site after the posting of a modification, you accept the modification.

The terms and conditions herein apply to you and FICO. The terms and conditions herein are in addition to, and do not override, the terms and conditions contained in the specific agreement(s) that apply to the products or services offered by FICO.

Nothing in this Site shall be construed as creating any warranty or other obligation on the part of FICO. The terms and conditions applicable to any FICO product or service are contained in the specific agreement(s) relating to such product or service. In addition, you agree to comply with your provider’s License and/or purchase agreement for additional infrastructure required to connect to or make use of the Site or any SaaS solutions provided through the Site.

Disclaimer of Warranties and Liability
Information offered on this Site is provided “as is” without any express or implied warranty of any kind, including warranties of merchantability, fitness for a particular purpose, or non-infringement. In no event will FICO be liable to any party for any damages of any kind, including but not limited to direct, indirect, special or consequential damages for any use of this Site or any linked site including, without limitation, lost profits, loss of use, business interruption, loss of programs or other data, whether in an action based on contract, negligence or other tortious action, even if FICO is expressly advised of the possibility of such damages. Some jurisdictions do not allow the exclusion or limitation of warranties or damages in certain types of agreements, so the above exclusions or limitations may not apply to you. In no event will FICO warrant or guaranty the correctness, comprehensiveness, completeness, accuracy, timeliness, merchantability or fitness for any particular use or purpose of any information or any products or services featured on this Site.

Confidentiality
Comments, suggestions, ideas or materials (including without limitation original or creative materials) sent or transmitted to FICO (collectively “Feedback”) shall be deemed to be non-confidential and shall become the sole property of FICO. Subject to the conditions described on the Privacy Notice page of this Site, FICO shall have no obligation of any kind with respect to such Feedback and shall be free to use, copy, modify and/or distribute the Feedback to others without limitation for any purpose, commercial or otherwise, without compensation or acknowledgement to you, including, but not limited to developing and marketing products incorporating such Feedback. When you visit our site, our servers will automatically log information. This information may include your Web page request, Internet Protocol (IP) address, browser type, browser language, the date and time of your request, and may include one or more cookies that may uniquely identify your browser. We collect log information so that we can properly administer our system and gather aggregate information about how our site is being used, including the pages visitors are viewing.

Disclosure For Legal Reasons
There will be occasions when it is imperative that we do release information to third parties. Here are the circumstances that will dictate such an action from us: (1) to comply with valid legal requirements such as a law, regulation, search warrant, subpoena or court order; or (2) in special cases, such as a physical threat to you or others, a threat to homeland security, a threat to our system or network, or cases in which we believe it is reasonably necessary to investigate or prevent harm, fraud, abuse or illegal conduct. In the event that we are legally compelled to disclose your personal information to a third party, we will make reasonable efforts to notify you unless doing so would violate the law or court order.

Our contractors sometimes have access to your information in the course of assisting in operating our business and providing products or services to you. These contractors include vendors and suppliers that provide us with technology, services and/or content for the operation and maintenance of our site. Access to your information by these contractors is limited to the information reasonably necessary for the contractor to perform its limited function. Contractors have an obligation under their contracts with us to keep your information confidential and to comply with our privacy and security policies.

Trademark Rights
FICO®, the FICO Logo and the FICO product and service names referenced in this Site (“FICO Marks”) are trademarks and service marks or registered trademarks and service marks of FICO. Your use of the FICO Marks is governed by the FICO Third-Party Trademark and Logo Usage Requirements.  Other products and company names mentioned on the Site may be the trademarks of their respective owners.

Copyright Information
All content included on this Site, such as text, graphics, logos, button icons, images, and software, is the property of FICO or its content suppliers and protected by United States and international copyright laws.  Copyright Notice: © 2007-2014 Fair Isaac Corporation. All Rights Reserved. Please refer to the FICO Copyright Usage Requirements for additional information concerning copyrights.

Linking Policy and Electronic Communications
You are granted a limited, non-exclusive right to create a hypertext link to this Site provided that such link (i) does not portray FICO and/or its affiliates or any of their respective products and services in a false, misleading, derogatory or otherwise defamatory manner; and (ii) does not imply any sponsorship, approval, endorsement or affiliation of your web site or products by FICO. This limited linking right may be revoked at any time. You may not modify or alter the appearance or content of the home page or Site, or use framing techniques to enclose any FICO trademark, logo or other proprietary information, including the images found at this Site, the content of any text or the layout/design of any page or form contained on a page without FICO’s express written consent. To obtain consent, please email your request to webmanager@fico.com or send regular mail to Internet Manager; FICO; 200 Smith Ranch Road; San Rafael, CA 94903; USA. You are granted only a limited license and nothing herein shall grant to you any rights in or to (i) any FICO Marks; (ii) the content of the Site; nor (iii) any other intellectual property or proprietary rights of FICO.

FICO makes no representations, warranties or endorsements with respect to any non-FICO web site which may be accessed from this Site. When you access a non-FICO web site, please understand that FICO has no control over the content or information at that site. It is your responsibility to protect your system from such items as viruses, worms, Trojan horses and other destructive items.

When you visit this site or send e-mails to us, you are communicating with us electronically. You consent to receive communications from us electronically. We will communicate with you by email or by posting notices on this Site. You agree that all agreements, notices, disclosures and other communications that we provide electronically to you satisfy any legal requirement that such communications be in writing.

Special Admonition for International Use
Recognizing the global nature of the Internet, you agree to comply with all local rules including, without limitation, rules about the Internet, data, e-mail, or privacy. Specifically, you agree to comply with all applicable laws regarding the transmission of technical data exported from the United States or the country in which you reside.

Jurisdictional Issues
This Site is controlled and operated by FICO through its offices within the State of California and this Agreement shall be governed by, construed and enforced in accordance with the laws of the State of California, as it is applied to agreements entered into and to be performed entirely within such State. You agree that any legal action or proceeding between FICO and you for any purpose concerning this Site or the parties’ obligations hereunder shall be brought exclusively in the U.S. District Court for the Northern District of California or state court of competent jurisdiction sitting in the County of Marin, State of California.

Indemnification
You agree to indemnify, defend and hold harmless FICO, its officers, directors, employees, agents, licensors, suppliers and any third party information providers to the Site from and against all losses, expenses, damages and costs, including reasonable attorneys’ fees, resulting from any violation of these Terms of Use.

Other Important Information 
FICO Employees who misuse information are subject to disciplinary action, including termination.

  • FICO maintains physical, technical and procedural safeguards to help protect your personal information.
  • In areas that contain your personal information, we use secure socket layer (SSL) encryption to help protect this information while it is in transit between our servers and your computer.

Notice for Government Users
The FICO Analytic Cloud Websites are commercial computer software and documentation (COTS) developed exclusively at private expense. If acquired by or on behalf of a civilian agency, they will be subject to the terms and conditions of this Agreement as specified in 48 C.F.R. 10.210 of the Federal Acquisition Regulations and its successors. If acquired by or on behalf of the Department of Defense, they will be subject to the terms of this commercial computer software license as specified in 48 C.F.R. 227.7202, DFAR Supplement and its successors.

Community Services
Community Services (accessible via the “Community” link on the FICO Analytic Cloud Site, FICO.com, other FICO websites, and the Subscription Websites) are provided as a convenience to users and FICO is not obligated to provide any technical support for, or participate in, Community Services. While Community Services may include information regarding FICO products and services, including information from FICO employees, they are not an official customer support channel for FICO, and FICO disclaims any responsibility for such content or the use thereof.

You may use Community Services subject to the following: (a) Community Services may be used solely for your personal, informational, noncommercial purposes; (b) content provided on or through Community Services may not be redistributed; and (c) personal data about other users may not be stored or collected except where expressly authorized by FICO.

You agree that you will only upload, share, post, publish, transmit, or otherwise make available (“Share”) on or through the Site content that you have the right and authority to Share and for which you have the right and authority to grant to FICO all of the licenses and rights set forth herein. By Sharing content, you grant FICO a worldwide, perpetual, royalty-free, irrevocable, nonexclusive, fully sublicensable license to use, reproduce, modify, adapt, translate, publish, publicly perform, publicly display, broadcast, transmit and distribute the content for any purpose and in any form, medium, or technology now known or later developed. This includes, without limitation, the right to incorporate or implement such content into any FICO product or service, and to display, market, sublicense and distribute the content as incorporated or embedded in any product or service distributed or offered by FICO without compensation to you. You warrant that: (a) you have the right and authority to grant this license; (b) FICO’s exercise of the rights granted pursuant to this license will not infringe or otherwise violate any third party rights; and (c) all so-called moral rights in the content have been waived to the full extent allowed by law.

You agree that you will neither use the Site in a manner, nor Share any content, that: (a) is false or misleading; (b) is defamatory, derogatory, degrading or harassing of another or constitutes a personal attack; (c) invades another’s privacy or includes, copies or transmits another’s confidential, sensitive or personal information; (d) promotes bigotry, racism, hatred or harm against any group or individual; (e) is obscene or not in good taste; (f) violates or infringes or promotes the violation or infringement of another’s rights, including intellectual property rights; (g) you do not have the right and authority to Share and grant the necessary rights and licenses for; (h) violates or promotes the violation of any applicable laws or regulations; (i) contains a solicitation of funds, goods or services, or promotes or advertises goods or services; or (j) contains any viruses, Trojan horses, or other components designed to limit or harm the functionality of a computer. FICO may report you to the relevant authorities and may act under the fullest extent of applicable laws if you transmit or upload content intended or designed to cause harm.

FICO does not want to receive confidential information from you through or in connection with the Site. Notwithstanding anything that you may note or state in connection with Sharing content, it shall not be considered confidential information and shall be received and treated by FICO on a non-confidential and unrestricted basis and FICO shall not take and shall not be required to take any steps to safeguard the confidentiality of any information that you Share, other than as specified in FICO’s Privacy Policy.

FICO Marketplace 
FICO and its third party licensors have developed a marketplace infrastructure and interface through which you may purchase and use FICO and other third party products and services (the “Marketplace”).  The products and services that are made available on the Marketplace (each a “Subscription Website”) are made available by FICO or its business affiliates that are not affiliated with our Marketplace licensors, and as such, you agree that FICO’s licensors are not responsible for such third party products and services.  Purchasers of access to the FICO and other products and services are subject to these Terms of Use and/or the end user agreements of the provider of such products and services, be it FICO or another third party affiliate of FICO, each of which will be made available to you for review and acceptance prior to processing the purchase.

The Marketplace is owned by FICO and its licensors, and each retains all right, title and interest in and to the Marketplace.  FICO and its licensors reserve all rights not expressly granted by these Terms of Use and any applicable end user agreements.

FICO makes no warranties regarding the Marketplace on behalf of itself and its licensors, and disclaims any warranties, including implied warranties of fitness for purpose, merchantability, infringement, trade usage or other implied warranties with respect to the Marketplace. Further, FICO and its licensors shall not be liable for any damages, including direct, indirect, special, consequential, lost profits or use, or damages of any kind arising from the use or inability to use the Marketplace.  FICO, on behalf of its licensors, disclaims any liability to you.  Your agreement for use and access to the Marketplace is governed solely by these Terms of Use and any applicable end user agreement.

The Marketplace, and the products and services available through the Marketplace are the property of FICO and its licensors. As a condition to access and use of the Marketplace, and any products and services available thereunder, you agree that you will not (i) decompile or reverse engineer the Marketplace, or the products and services available through the Marketplace, or take any other action to discover the source code or underlying logic or algorithm of the whole or any components thereof, (ii) copy the Marketplace, (iii) post, publish or create derivative works of the Marketplace, products and services, (iv) remove any copyright notice, trade or service marks, brand names and other indicia of ownership from the Marketplace, products and services and their related documentation and packaging.

Trials of Subscription Websites
Through the Marketplace, FICO may make available certain Subscription Websites on a no-fee, trial basis (“Trial Websites”) to enable you to evaluate whether you would like to purchase an ongoing subscription license to the production version of the Subscription Website.  In addition to these Terms of Use and the Privacy Policy, the following terms and conditions apply to your access and usage of any Trial Website offered through the FICO Analytic Cloud:

Acceptance of Terms
BY CHOOSING TO ACCESS A TRIAL WEBSITE, YOU SIGNIFY YOUR ACCEPTANCE OF EACH AND EVERY TERM CONTAINED IN THESE TERMS OF USE AND THE PRIVACY POLICY, and you acknowledge that you have been presented with these terms in a written form and have had the opportunity to reject such terms and conditions and choose not to proceed with access.

License Grant
Subject to these terms and conditions, FICO hereby grants you, and you hereby accept, a non-exclusive, nontransferable, non-sublicensable limited license to use the Trial Website for a period of thirty (30) days from the date your access to the Trial Website is first enabled (“Evaluation Period”), solely for non-production purposes to evaluate whether you desire to make a future license purchase, subject to the limitations set forth below.  This license does not permit you to use the Trial Website for any purpose other than as expressly herein, including without limitation any use of the Trial Website for productive purposes or any commercial application, or in the operation of your commercial business.  At the conclusion of the Evaluation Period, FICO will terminate your access to the Trial Website, and any data you may have loaded to the Trial Website or created through the Trial Website will be deleted.

License Restrictions
You represent and warrants that you shall not: (i) use the Trial Website for any purpose other than to evaluate whether you desire to make a future license purchase or in any other manner that exceeds the scope of the license granted herein or that otherwise constitutes a breach of these Terms of Use; (ii) modify, adapt, translate or make derivative works from the Trial Website; (iii) reverse engineer, decompile, disassemble, or otherwise attempt to reduce the object code of the Trial Website to human perceivable form or permit others to do so; (iv) disclose the Trial Website to, or permit the use or access of the Trial Website by, any third party or by any individuals other than you or your employees; (v) assign, sublicense, lease, transfer or distribute the Trial Website or any of its outputs, or operate the Trial Website for timesharing, rental, outsourcing, or service bureau operations (or otherwise for the benefit of any party other than yourself), or train persons other than permitted users; (vi) disclose or publish performance benchmark results for the Trial Website without FICO’s prior written consent; or (vii) (if applicable) use any provided third party software except as solely in conjunction with the your use of the Trial Website.

Reservation of Rights
FICO reserves all rights not expressly granted herein.  Without limiting the foregoing, FICO retains and reserves sole and exclusive worldwide right, title and interest in and to all FICO intellectual property, including without limitation, the Trial Website, any custom code developed in whole or part by FICO (if applicable), and any FICO know-how, subject to only the limited, non-exclusive, license rights granted herein. Nothing in these Terms of Use limits in any way FICO’s right to develop, use, license, create derivative works of, or otherwise exploit the Trial Website or any other FICO intellectual property, or to permit third parties to do so.

Trial Website Fees
The license to the Trial Website granted hereunder is provided to you at no charge for the Evaluation Period, but is granted in consideration of your agreement to these Terms of Use and the Privacy Policy.

Support
FICO encourages you to report problems via the “Support” link on the FICO Analytic Cloud website, by phone through our support center, or via any support feature enabled in the Trial Website; however you are not entitled to any maintenance or support services for your use of any Trial Website licensed herein.

Warranty
YOU ACKNOWLEDGE AND AGREE THAT THE TRIAL WEBSITE IS LICENSED ON AN “AS IS” BASIS WITHOUT ANY WARRANTY.  FICO MAKES NO WARRANTIES, EITHER EXPRESS OR IMPLIED, UNDER THIS AGREEMENT AND HEREBY DISCLAIMS ALL IMPLIED WARRANTIES, INCLUDING ANY WARRANTIES REGARDING MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE, AND ANY WARRANTY ARISING FROM A COURSE OF DEALING, USAGE, OR TRADE PRACTICE.  YOU ARE SOLELY RESPONSIBLE FOR YOUR USE OF ANY PRODUCTS, SERVICES, AND DELIVERABLES PROVIDED BY FICO UNDER THIS AGREEMENT AND FOR ANY LIABILITY ARISING OUT OF DATA OR CONTENT YOU SUPPLY.

Limitation of Liability
IN NO EVENT WILL FICO BE LIABLE UNDER ANY THEORY OF RECOVERY (INCLUDING BREACH OF CONTRACT, WARRANTY, NEGLIGENCE, TORT AND STRICT LIABILITY) FOR ANY INDIRECT, INCIDENTAL, SPECIAL, EXEMPLARY, CONSEQUENTIAL (INCLUDING, BUT NOT LIMITED TO, LOSS OF DATA, INCOME, PROFIT OR SAVINGS) OR PUNITIVE DAMAGES ARISING OUT OF OR IN CONNECTION WITH THIS AGREEMENT OR ANY FICO PRODUCT OR SERVICE, EVEN IF FICO HAD BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES AND EVEN IF SUCH DAMAGES WERE REASONABLY FORESEEABLE. WITHOUT LIMITING THE FOREGOING, FICO’S AGGREGATE LIABILITY IN CONNECTION WITH THIS AGREEMENT UNDER ANY AND ALL THEORIES OF RECOVERY (INCLUDING BREACH OF CONTRACT, WARRANTY, NEGLIGENCE, TORT AND STRICT LIABILITY) WILL BE LIMITED TO THE SUM OF FIFTY DOLLARS ($50 USD).

Term and Termination 
Unless earlier terminated in FICO’s discretion by providing notice to you, this Agreement and the license granted hereunder shall automatically terminate at the end of the Evaluation Period and your access to the Trial Website will be terminated. Upon expiration or termination of this Agreement for any reason, the license granted hereunder will terminate immediately and you shall immediately cease using the Trial Website.

Compliance
You are solely responsible for compliance with all laws relating to your use of the Trial Website.

Miscellaneous
FICO Sites are for informational purposes, and may enable processing of applications and/or data, but are not intended to provide any financial, legal, or investment advice. Some of the information on this Site may contain certain forward-looking statements within the meaning of the “safe harbor” provisions of the Private Securities Litigation Reform Act of 1995 regarding events and trends that may affect FICO’s future results. Such statements are subject to risks and uncertainties that could cause FICO’s actual results to differ materially. Such factors include, but are not limited to, FICO’s ability to recruit and maintain key technical and managerial personnel, the maintenance of its existing relationships with key alliance partners, regulatory changes applicable to the use of consumer credit and other data, its ability to continue to develop new and enhanced products and services, competition, market demand and other factors described in FICO’s annual report to stockholders, its annual report on Form 10-K, quarterly reports on Form 10-Q, and other reports filed with the Security and Exchange Commission.

No waiver of any breach of any provision of these Terms of Use shall constitute a waiver of any prior, concurrent, or subsequent breach of the same or other provisions hereof. All waivers must be in writing. If any court of competent jurisdiction finds any part or provision of these Terms of Use to be invalid or unenforceable, such findings shall have no effect on any other part or provision of these Terms of Use.

Any action against FICO must be brought within one (1) year after the cause of action arises. FICO is not responsible for delay or failure to perform due to causes beyond its reasonable control.

Any rights not expressly granted herein are reserved. Please also review the Privacy Policy for information related to the Marketplace, and related products and services to understand how FICO and its licensors collect and use data.

Effective 04/07/2014.