Privacy Policy
Information We Collect
We collect information you provide directly when you register and use our Service, including:
- Business and personal identification information (name, email, phone, business address)
- Trade payment data submitted by you or reported about your business by third parties
- Account activity, report pull history, and dispute records
- Technical data including IP addresses, browser type, and usage logs
How We Use Your Information
We use collected information to:
- Provide, operate, and improve the Service
- Generate credit reports and scores for businesses in our database
- Verify the accuracy of submitted trade data
- Communicate with you about your account, disputes, and service updates
- Comply with legal obligations and prevent fraud
Information Sharing
We do not sell your personal information to third parties. We may share information in the following circumstances:
- Credit reports: Business trade data is shared with members who pull credit reports on your business as part of our core service.
- Service providers: We use trusted third-party vendors (hosting, email, payment processing) who process data on our behalf under strict confidentiality agreements.
- Legal requirements: We may disclose information when required by law, court order, or to protect our rights and the safety of others.
Data Security
We implement industry-standard security measures including encryption at rest and in transit, access controls, and regular security reviews. Passwords are hashed using BCrypt and are never stored in plaintext. API keys are stored as SHA-256 hashes only.
No method of transmission over the internet is 100% secure. While we strive to protect your information, we cannot guarantee absolute security.
Data Retention
We retain account and trade data for as long as your account is active and for a period thereafter as required for legal, regulatory, and business purposes. You may request deletion of your personal account data by contacting us, subject to our legal retention obligations.
Your Rights
You have the right to:
- Access the information we hold about your business
- Dispute inaccurate trade data through our dispute resolution process
- Request correction of your personal account information
- Request deletion of your account (subject to retention requirements)
To exercise these rights, contact us at privacy@smbcredit.net.
Cookies
We use session cookies for authentication purposes only. We do not use advertising or tracking cookies. You may disable cookies in your browser, but this will prevent you from logging in to the Service.
Changes to This Policy
We may update this Privacy Policy from time to time. We will notify registered users of material changes via email. Continued use of the Service after changes constitutes acceptance of the updated policy.