Privacy Policy

Information You Provide Directly:

• Account registration details (name, email address)
• Business information (name, industry, years in operation)
• Financial data you enter into loan scenarios (revenue, income, assets, liabilities)
• Uploaded financial documents (tax returns, bank statements, P&L statements)
• Payment information (processed securely via Stripe; we do not store card numbers)
• Communications with our support team

Information Collected Automatically:

• Log data (IP address, browser type, pages visited, time and date of visits)
• Device information (operating system, device identifiers)
• Usage data (features used, clicks, session duration)
• Cookies and similar tracking technologies (see Section 7)

We use the information we collect to:

• Provide, operate, and improve the Platform and its features
• Generate your loan readiness score and AI-powered analysis
• Process subscription payments and manage your account
• Send transactional emails (receipts, account notices, analysis results)
• Send marketing communications where you have opted in
• Respond to your support requests and inquiries
• Detect, prevent, and address fraud or security incidents
• Comply with applicable legal obligations
• Analyze usage trends to improve user experience

We do not sell your personal information to third parties for their own marketing purposes.

We may share your information with:

• Service Providers: Trusted vendors who assist us in operating the Platform (e.g., cloud hosting, payment processing via Stripe, email delivery, analytics). These providers are contractually obligated to protect your data.
• AI/LLM Providers: We use third-party AI services to generate loan analysis. Financial data submitted may be processed by these services under their respective data handling agreements.
• Legal Requirements: We may disclose your information if required by law, court order, or to protect the rights, property, or safety of the Company or others.
• Business Transfers: In the event of a merger, acquisition, or sale of assets, your information may be transferred as part of that transaction.

We do not share your financial data with lenders or financial institutions without your explicit consent.

We implement industry-standard security measures to protect your information, including:

• Industry-standard encryption for all data in transit
• Encryption of sensitive data at rest
• Access controls limiting employee access to personal data
• Regular security assessments and monitoring
• Secure payment processing via Stripe

While we take data security seriously, no method of transmission over the internet or electronic storage is 100% secure. We cannot guarantee absolute security but will promptly notify you of any breach that affects your personal information as required by law.

We retain your personal information for as long as your account is active or as needed to provide you with our services. We may retain certain information for longer periods as required by law or for legitimate business purposes such as fraud prevention and dispute resolution.

Upon account deletion, we will delete or anonymize your personal information within 90 days, except where retention is required by law.

Depending on your location, you may have the following rights regarding your personal information:

• Access: Request a copy of the personal information we hold about you
• Correction: Request correction of inaccurate or incomplete information
• Deletion: Request deletion of your personal information ("right to be forgotten")
• Portability: Request transfer of your data in a structured, machine-readable format
• Opt-Out: Opt out of marketing communications at any time
• Restriction: Request restriction of processing in certain circumstances

To exercise any of these rights, contact us at privacy@businessloanscore.com. We will respond to verified requests within 30 days.

We use cookies and similar technologies to enhance your experience on the Platform. These include:

• Essential Cookies: Required for basic Platform functionality (authentication, security). Cannot be disabled.
• Analytics Cookies: Help us understand how users interact with the Platform (e.g., Google Analytics). Can be declined.
• Preference Cookies: Remember your settings and choices. Can be declined.

You can manage cookie preferences through our cookie consent banner or your browser settings. Declining non-essential cookies will not affect core Platform functionality.

If you are a California resident, you have additional rights under the California Consumer Privacy Act (CCPA):

• The right to know what personal information is collected, used, shared, or sold
• The right to delete personal information collected from you
• The right to opt-out of the sale of personal information (we do not sell personal information)
• The right to non-discrimination for exercising your CCPA rights

To submit a California privacy request, contact us at privacy@businessloanscore.com with "CCPA Request" in the subject line.

The Platform is not directed to individuals under the age of 18. We do not knowingly collect personal information from minors. If we become aware that we have collected personal information from a child under 18, we will take steps to delete such information promptly.

The Platform may contain links to third-party websites or services. We are not responsible for the privacy practices of those third parties. We encourage you to review the privacy policies of any third-party sites you visit.

We may update this Privacy Policy from time to time. We will notify you of material changes by posting the updated policy on this page and updating the "Last updated" date. For significant changes, we may also send an email notification. Your continued use of the Platform after such changes constitutes acceptance of the updated Privacy Policy.

If you have questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact our Privacy team: