Privacy Policy

Business Funding Assessment ("Company," "we," "us," or "our") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our website and services. Please read this policy carefully to understand our views and practices regarding your personal data.

1. Information We Collect

Personal Information

We may collect personal information that you voluntarily provide when using our services, including:

• Identity Information: Full name, date of birth, Social Security Number (for credit assessment purposes)
• Contact Information: Email address, phone number, mailing address
• Financial Information: Annual income, household income, employment status, home value, mortgage balance
• Business Information: Business name, industry, years in operation, monthly revenue, employee count
• Credit Information: Credit reports and scores that you upload or authorize us to obtain
• Funding Preferences: Desired funding amount, purpose, and timeline

Automatically Collected Information

When you access our platform, we automatically collect certain information:

• Device information (browser type, operating system)
• IP address and general location
• Usage data and browsing patterns
• Cookies and similar tracking technologies

2. How We Use Your Information

We use the information we collect for the following purposes:

• Funding Assessment: To analyze your financial profile and determine eligible funding options
• Service Delivery: To connect you with appropriate funding consultants and lenders
• Communication: To send you updates about your assessment, funding options, and account notifications
• Improvement: To improve our services, develop new features, and enhance user experience
• Legal Compliance: To comply with applicable laws, regulations, and legal processes
• Security: To detect, prevent, and address fraud, unauthorized access, and other illegal activities

3. Information Sharing and Disclosure

We may share your information in the following circumstances:

• With Your Consent: When you authorize us to share information with specific third parties
• Funding Partners: With lenders, banks, and financial institutions to facilitate funding applications
• Service Providers: With trusted third-party vendors who assist in operating our platform
• Legal Requirements: When required by law, subpoena, or other legal process
• Business Transfers: In connection with a merger, acquisition, or sale of assets

4. Data Security

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

• 256-bit SSL/TLS encryption for all data transmission
• Encrypted data storage using AES-256 encryption
• Regular security audits and vulnerability assessments
• Strict access controls and authentication protocols
• Secure, SOC 2 compliant data centers

While we strive to protect your personal information, no method of transmission over the Internet or electronic storage is 100% secure. We cannot guarantee absolute security.

5. Your Rights and Choices

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

• 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 (subject to legal retention requirements)
• Portability: Request transfer of your data in a machine-readable format
• Opt-Out: Unsubscribe from marketing communications at any time

To exercise these rights, please contact us using the information provided below.

6. Cookies and Tracking Technologies

We use cookies and similar technologies to:

• Remember your preferences and settings
• Authenticate users and prevent fraud
• Analyze usage patterns and improve our services
• Deliver relevant content and functionality

You can control cookies through your browser settings. Disabling cookies may affect certain features of our platform.

7. Data Retention

We retain your personal information for as long as necessary to provide our services and fulfill the purposes described in this policy. Financial records may be retained for up to 7 years as required by law. You may request deletion of your account and associated data at any time, subject to legal retention requirements.

8. Third-Party Services

Our platform may contain links to third-party websites or services (such as mySCOREIQ for credit reports). We are not responsible for the privacy practices of these third parties. We encourage you to review their privacy policies before providing any personal information.

9. Children's Privacy

Our services are not intended for individuals under 18 years of age. We do not knowingly collect personal information from children. If we become aware that we have collected information from a child, we will take steps to delete it promptly.

10. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will notify you of any material changes by posting the new policy on this page and updating the "Last updated" date. Your continued use of our services after any changes indicates your acceptance of the updated policy.