Code of Conduct Both Emcredit and our network members abide by a strict Code of Conduct when collecting, processing and disseminating credit information.

The key rules of the Code are:

Private All data processing is governed by DIFC Data Protection Law No. 1 of 2007.

Confidential Request for information is allowed for relevant business purposes only.

Reciprocal Members can only access data in return for data of their own, which is validated before being uploaded onto our database.

Up-to-date Data is constantly updated and error checked to ensure it is timely and accurate.

Secure All data is securely managed, physically and electronically.

How Members Access Our Data The network members of Emcredit form a closed-user group. They can access data securely in 3 ways: via an internet browser using username(s) and password(s), by sending a batch request through FTP, or by choosing a direct B2B data connection with Emcredit.

Data Privacy & Regulation As part of the Dubai International Financial Centre (DIFC), Emcredit operates in accordance with DIFC’s data protection regulation. The DIFC has its own civil and commercial laws unlike those in the rest of the UAE. The stringent legal framework is further reinforced with a rigorous data protection regime based on international best practices. Emcredit is subject to DIFC's Data Protection Law No.1 of 2007.