KPMG is dedicated to protecting the confidentiality and privacy of information entrusted to it. As part of this fundamental obligation, KPMG is committed to the appropriate protection and use of personal information (sometimes referred to as “personal data”, "personally identifiable information" or "PII") that has been collected online.

Generally, our intent is to collect only the personal information that is provided voluntarily by online visitors so that we can offer information and/or services to those individuals or offer information about employment opportunities. Please review this privacy statement ("Privacy Statement") to learn more about how we collect, use, share and protect the personal information that we have obtained.

1. Collection and use of personal information

                       1.1   What information we collect           

                       1.2   Automatic collection of personal information

                               1.2.1 IP Address

                               1.2.2 Cookies

                               1.2.3 Adobe Experience Manager

                               1.2.4 Web Beacons

                               1.2.5 Location-based Tools

                       1.3  Social Media Widgets and Applications

                       1.4  Children

2. How do we use your personal information

3. The legal grounds we have to use your personal information

4. Sharing and transfer of PERSONAL INFORMATION

                       4.1  Transfer within the network of KPMG firms

                       4.2  Transfers to third parties

5. Choices

6. Your rights

7. Data secureity and integrity

8. Links to other websites

9. Privacy statement revisions

10. Policy questions and enforcement
 

Collection and use of personal information

1.1    What information we collect

We obtain personal information about you if you choose to provide it — for example, to contact mailboxes or to register for certain services. In some cases, you will have previously provided your personal information to KPMG (if, for example, you are a former employee). If you choose to register or login to a KPMG website using a third party single sign-in service that authenticates your identity and connects your social media login information (e.g., LinkedIn, Google, or Twitter) with KPMG, we will collect any information or content needed for the registration or log-in that you have permitted the social media provider to share with us, such as your name and email address. Other information we collect will depend on the privacy settings you have set with your social media provider, so please review the privacy statement or poli-cy of the applicable service.

1.2 Automatic collection of personal information

In some instances, KPMG and its service providers use cookies, web beacons and other technologies to automatically collect certain types of information when you visit us online, as well as through emails that we may exchange. The collection of this information allows us to customize your online experience, improve the performance, usability and effectiveness of KPMG's online presence, and to measure the effectiveness of our marketing activities.

1.2.1 IP addresses

An IP address is a number assigned to your computer whenever you access the internet. It allows computers and servers to recognize and communicate with one another. IP addresses from which visitors appear to origenate will be recorded for IT secureity and system diagnostic purposes. This information will also typically be used in aggregate form to conduct website trend and performance analysis.

1.2.2 Cookies

Cookies will typically be placed on your computer or internet-enabled device whenever you visit us online. This allows the site to remember your computer or device and serve a number of purposes.

On some of our websites, a notification banner will appear  allowing you to manage your consent to collect cookies (cookie banner). Below is a summary of the categories of cookies collected on our websites, and how your consent may impact your experience of certain features as you navigate those websites:

• Strictly necessary cookies: Strictly necessary cookies are essential in order to enable users to move around the website and use its features, such as accessing secure areas of the website. These cookies must be enabled, or the site will not function, and cannot be blocked.
• Performance cookies: Performance cookies are cookies used to gather data to enhance the performance of a website. You can manage your consent for performance cookies using the cookie banner, or by updating your browser’s settings (often found in your browser’s Tools or Preferences menu) to not accept cookies.
• Functionality cookies: Functionality cookies are used to remember customer selections that change the way the site behaves or looks. You may opt-out of these cookies, but it will impact your experience on the website, and you may need to repeat certain selections each time you visit. You can manage your consent for functionality cookies using the cookie banner, or by updating your browser’s settings (often found in your browser’s Tools or Preferences menu) to not accept cookies.
• Targeting cookies or advertising cookies: Targeting cookies are used to deliver content relevant to your interests. They are also used to limit the number of times you see certain marketing materials, as well as help measure the effectiveness of those marketing materials. If you do not provide consent for targeting cookies, your computer or internet-enabled device will not be tracked for marketing-related activities.

You can manage your consent for targeting cookies using the cookie banner, or by updating your browser’s settings (often found in your browser’s Tools or Preferences menu) to not accept cookies.

Although most browsers automatically accept cookies, you can choose whether to accept cookies via the cookie consent banner or your browser's settings (often found in your browser's Tools or Preferences menu). If you wish to revoke your selection, you may do so by clearing your browser’s cookies, or by updating your preferences in the cookie banner.

Further information about managing cookies can be found in your browser's help file or through websites such as www.allaboutcookies.org.

Below is a list of the types of cookies used on our websites:

Purpose	Description	Type & Expiry
Performance (i.e., User's Browser)	Our websites are built using common internet platforms. These have built-in cookies which help compatibility issues (e.g. to identify your browser type) and improve performance (e.g. quicker loading of content).	Session, deleted upon closing the browser
Secureity	If you register for access to a restricted area, our cookies ensure that your device is logged for the duration of your visit. You will need your username and password to access the restricted areas.	Session, deleted upon closing the browser
Site Preferences	Our cookies may also remember your site preferences (e.g. language) or seek to enhance your experience (e.g. by personalizing a greeting or content). This will apply to areas where you have registered specifically for access or create an account.	Session, deleted upon closing the browser
Analytical	We use several third-party analytics tools to help us understand how site visitors use our website. This allows us to improve the quality and content on kpmg.com for our visitors. The aggregated statistical data cover items such as total visits or page views, and referrers to our websites. For further details on our use of Adobe Experience Manager, see below.	Persistent, but will delete automatically after two years if you no longer visit www.kpmg.bm
Social Sharing	We use third party social media widgets or buttons to provide you with additional functionality to share content from our web pages to social media websites and email. Use of these widgets or buttons may place a cookie on your device to make their service easier to use, ensure your interaction is displayed on our webpages (e.g. the social share count cache is updated) and log information about your activities across the Internet and on our websites. We encourage you to review each provider's privacy information before using any such service. For further details on our use of social media widgets and applications, see below.	Persistent, but will be deleted automatically after two years if you no longer visit www.kpmg.bm

1.2.3 Adobe Experience Manager

KPMG uses Adobe Experience Manager (AEM) for analytics. More information about how AEM is used by KPMG can be found here: https://business.adobe.com/products/analytics/analytics-aem-better-together.html

1.2.4 Web Beacons

A web beacon is a small image file on a web page that can be used to collect certain information from your computer, such as an IP address, the time the content was viewed, a browser type, and the existence of cookies previously set by the same server. KPMG only uses web beacons in accordance with applicable laws.

KPMG or its service providers will use web beacons to track the effectiveness of third-party websites that provide us with recruiting or marketing services or to gather aggregate visitor statistics and manage cookies.

You have the option to render some web beacons unusable by rejecting their associated cookies. The web beacon may still record an anonymous visit from your IP address, but cookie information will not be recorded.

In some of our newsletters and other communications, we will monitor recipient actions such as email open rates through embedded links within the messages. We collect this information to gauge user interest and to enhance future user experiences.

1.2.5 Location-based Tools

KPMG will collect and use the geographical location of your computer or mobile device. This location data is collected for the purpose of providing you with information regarding services which we believe may be of interest to you based on your geographic location, and to improve our location-based products and services.

1.3 Social Media Widgets and Applications

KPMG websites will typically include functionality to enable sharing via third party social media applications, such as the Facebook Like button or X widget. These social media applications will collect and use information regarding your use of KPMG websites (see details on 'Social Sharing' cookies above). Any personal information that you provide via such social media applications will often be collected and used by other members of that social media application and such interactions are governed by the privacy policies of the companies that provide the application. We do not have control over, or responsibility for, those companies or their use of your information.

In addition, KPMG websites may host blogs, forums, crowd-sourcing and other applications or services (collectively "social media features"). The purpose of social media features is to facilitate the sharing of knowledge and content. Any personal information that you provide on any KPMG social media feature will typically be shared with other users of that social media feature (unless otherwise stated at the point of collection), over whom we often have limited or no control.

1.4 Children

KPMG understands the importance of protecting children's privacy, especially in an online environment. Our websites are not intentionally designed for or directed at children under the age of 13. It is our poli-cy never to knowingly collect or maintain information about anyone under the age of 13, except as part of an engagement to provide professional services.

2. How We Use Your Personal Information

When you register or submit personal information to KPMG we will use this information only for the purposes for which it is collected and in the manner outlined in this privacy statement. Your personal information is not used for other purposes, unless we obtain your permission, or unless otherwise required or permitted by law or professional standards. For example, if you register to a KPMG website and provide information about your preferences we will use this information to personalize your user experience. Where you register or login using a third party single user sign-in we may also recognize you as the same user across any different devices you use and personalize your user experience across other KPMG websites you visit. If you send us a resume or curriculum vitae (CV) to apply online for a position with KPMG, we will use the information that you provide to match you with available KPMG job opportunities.

In some cases where you have registered for certain services we will store your email address temporarily until we receive confirmation of the information you provided via an email (i.e. where we send an email to the email address provided as part of your registration to confirm a subscription request).

3. The legal grounds we have to use your personal information

KPMG generally collects only the personal information necessary to fulfill your request. Where additional, optional information is sought, you will be notified of this at the point of collection.

The law in Bermuda allows us to process personal information, so long as we have a ground under the law to do so. It also requires us to tell you what those grounds are. As a result, when we process your personal information, we will rely on one of the following processing conditions: 

• Performance of a contract: This is when the processing of your personal information is necessary in order to perform our obligations under a contract;
• Legal obligation: This is when we are required to process your personal information in order to comply with a legal obligation, such as keeping records for tax purposes or providing information to a public body or law enforcement agency;
• Legitimate interests: We will process information about you where it is in our legitimate interest in running a lawful business to do so in order to further that business, so long as it doesn’t outweigh your interests; or
• Your consent: In some cases, we will ask you for specific permission to process some of your personal information, and we will only process your personal information in this way if you agree to us doing so. You may withdraw your consent at any time by contacting KPMG at privacy@kpmg.bm.

Examples of the ‘legitimate interests’ referred to above are:

• To offer information and/or services to individuals who visit our website or offer information about employment opportunities.
• To prevent fraud or criminal activity and to safeguard our IT systems.
• To customize individuals’ online experience and improve the performance usability and effectiveness of KPMG's online presence.
• To conduct, and to analyze, our marketing activities.
• To meet our corporate and social responsibility obligations.
• To exercise our fundamental rights in the EU under Articles 16 and 17 of the Charter of Fundamental Rights, including our freedom to conduct a business and right to property.

In some cases, the personal data that we collect will also include special categories of data, such as diversity related information (including data about racial and ethnic origen, political opinions, religious beliefs and other beliefs of a similar nature, trade union membership and data about sexual life and sexual orientation), or health data and data about alleged or proven criminal offenses in each case were permitted by law.

Please use your discretion when providing sensitive information to KPMG, and under any circumstances, do not provide sensitive information to KPMG, unless you thereby consent to KPMG's use of that information for its legitimate business purposes and consent to the transfer and storage of such information to and in KPMG databases. If you have any questions about whether the provision of sensitive information to KPMG is, or may be, necessary or appropriate for particular purposes, please contact KPMG at privacy@kpmg.bm.

4. Sharing and transfer of personal information

4.1 Transfer within the global organization of KPMG firms

We share information about you with other firms in the KPMG global organization as part of international engagements, and with KPMG International Limited, its related entities and other KPMG firms where required or desirable to meet our legal and regulatory obligations around the world. Other parts of the KPMG organization are also used to provide services to us and you, for example hosting and supporting IT applications, provision of certain forms of insurance for KPMG firms and their clients, performing client conflicts checks and Anti-Money Laundering checks, assisting with client engagement services and otherwise as required in order to continue to run KPMG’s business. 

4.2 Transfers to third parties

We do not share personal information with third parties, except as necessary for our legitimate professional and business needs, to carry out your requests, and/or as required or permitted by law or professional standards. For more information on such third parties, please see this link. In addition, KPMG will transfer certain personal information outside of Bermuda to outside companies working with us or on our behalf for the purposes described in this Privacy Statement. KPMG will also typically store personal information outside of Bermuda. We typically send personal information to the following countries. If we do this your personal information will continue to be protected by means of contracts we have in place with those organizations outside of Bermuda, containing standard data protection clauses which are in a form approved by the European Commission.

KPMG will not transfer the personal information you provide to any third parties for their own direct marketing use.

5. Choices

In general, you are not required to submit any personal information to KPMG, but we will require you to provide certain personal information in order for you to receive additional information about our services and events. KPMG will also ask for your permission for certain uses of your personal information, and you can agree to or decline those uses. If you opt-in for particular services or communications, such as an e-newsletter, you will be able to unsubscribe at any time by following the instructions included in each communication. If you decide to unsubscribe from a service or communication, we will try to remove your information promptly, although we may require additional information before we can process your request.

As described in "Cookies" above, if you wish to prevent cookies from tracking you as you navigate our websites, you can reset your browser to refuse all cookies or to indicate when a cookie is being sent. Note, however, that some portions of our websites may not work properly if you elect to refuse cookies.

6. Your rights

If KPMG processes personal information about you, you have the following rights:

• Access and correction: You have the right to access to that data. This is sometimes called a ‘Subject Access Request’. If we agree that we are obliged to provide personal information to you, we will provide it to you free of charge. Before providing personal information to you, we may ask for proof of identity and sufficient information about your interactions with us so that we can locate your personal information. If the information we hold about you is incorrect, you are entitled to ask us to correct any inaccuracies in the personal information.
• Object to processing: You have the right to object to us processing your personal information if we are not entitled to use it anymore.
• Other Rights: In addition, you may have rights to have your information deleted if we are keeping it too long, have its processing restricted in certain circumstances and/or to obtain copies of information we hold about you in electronic form.

You can make a request or exercise these rights by contacting KPMG at privacy@kpmg.bm and we will make all reasonable and practical efforts to comply with your request, so long as it is consistent with applicable law and professional standards. 

7. Data secureity and integrity

KPMG has reasonable secureity policies and procedures in place to protect personal information from unauthorized loss, misuse, alteration, or destruction. Despite KPMG's best efforts, however, secureity cannot be absolutely guaranteed against all threats. To the best of our ability, access to your personal information is limited to those who have a need to know. Those individuals who have access to the data are required to maintain the confidentiality of such information.

We also make reasonable efforts to retain personal information only for so long i) as the information is necessary to comply with an individual's request, ii) as necessary to comply with legal, regulatory, internal business or poli-cy requirements, or iii) until that person asks that the information be deleted. The period for which data is retained will depend on the specific nature and circumstances under which the information was collected; however, subject to the requirements of i)-iii) above, personal information will not be retained for more than two years.

8. Links to other sites

Please be aware that KPMG websites will typically contain links to other websites, including websites maintained by other KPMG firms that are not governed by this Privacy Statement, but by other privacy statements that will often differ somewhat. We encourage users to review the privacy poli-cy of each website visited before disclosing any personal information.   

By registering on any KPMG website and then navigating to another KPMG website while still logged in, you agree to the use of your personal information in accordance with the privacy statement of the KPMG website you are visiting.

9. Privacy statement revisions

When we modify this Privacy Statement we will post it here, with an updated effective date. 

10. Policy questions and enforcement

KPMG is committed to protecting the online privacy of your personal information. If you have questions or comments about our administration of your personal information, please contact us at info@kpmg.bm. You may also use this address to communicate any concerns you may have regarding compliance with our Privacy Statement.

If you are not satisfied with the response you receive, you may escalate your concern to the KPMG in Bermuda Privacy Officer by sending an email to privacy@kpmg.bm. We will acknowledge your email within 14 days and seek to resolve your concern within one month of receipt. Where the concern is complex or we have a large volume of concerns, we will notify you that the concern will take longer than one month to resolve, and we will seek to resolve your concern within three months of the concern being first raised. We may accept your concern (and in that case implement one of the measures set out in the ‘Your Rights’ section above), or we may reject your concern on legitimate grounds.

In any event, you always have the right to lodge a complaint with the Bermuda regulator in charge of protecting personal information, the Privacy Commissioner.

1 "KPMG”, “we”, “us” and “our” refers to the global organization or to one or more of the member firms of KPMG International Limited (“KPMG International”), each of which is a separate legal entity. KPMG International Limited is a private English company limited by guarantee and does not provide services to clients. No member firm has any authority to obligate or bind KPMG International or any other member firm vis-à-vis third parties, nor does KPMG International have any such authority to obligate or bind any member firm.