1. Introduction
Commercial Credit ("we", "our", or "us") is committed to protecting the privacy and security of your personal and business information. This Privacy Policy describes how we collect, use, and safeguard information when you use our Banker Workbench platform.
2. Information We Collect
We collect the following types of information:
- Business Information: Company name, registration details, industry, years in operation
- Financial Data: Financial statements, management accounts, cash flow projections
- Contact Information: Name, email address, phone number of authorized representatives
- Application Data: Credit facility requirements, purpose of funding, collateral details
- Usage Data: Platform usage patterns, session information for authorized users
3. How We Use Your Information
Your information is used to:
- Process and assess credit applications
- Perform financial analysis and risk evaluation
- Communicate with you regarding your application status
- Comply with regulatory and legal requirements
- Improve our services and platform functionality
- Prevent fraud and maintain platform security
4. Data Security
We implement industry-standard security measures to protect your information, including:
- Encryption of data in transit and at rest
- Access controls and authentication requirements
- Regular security audits and monitoring
- Secure data centers with physical access controls
5. Data Retention
We retain your information for as long as necessary to fulfill the purposes outlined in this policy, comply with legal obligations, resolve disputes, and enforce our agreements. Financial records are retained in accordance with applicable banking regulations.
6. Your Rights
Subject to applicable law, you have the right to:
- Access your personal information
- Request correction of inaccurate data
- Request deletion of your data (subject to legal retention requirements)
- Object to certain processing activities