Privacy Policy

1. Introduction

AgentCredit (“we”, “us”, “our”) operates a credit risk management platform. This Privacy Policy explains how we collect, use, store, and protect your personal and business data when you use our service.

2. Data We Collect

We collect the following categories of information:

• Account information: name, email address, and role within your organisation.
• Company financials: revenue, total assets, current liabilities, net income, and other financial metrics uploaded for credit assessment.
• Credit scores and ratings: scores generated by our platform, including AI-derived risk assessments.
• Contact information: business addresses, phone numbers, and registered company details.
• Usage data: login timestamps, pages visited, and actions taken within the platform.

3. How We Use Your Data

• To generate credit risk scores and financial assessments.
• To power AI-driven analysis of uploaded documents and financial data.
• To maintain and improve our scoring models and platform features.
• To communicate with you about your account and assessments.
• To comply with legal and regulatory obligations.

4. Data Storage and Security

All data is encrypted in transit (TLS 1.2+) and at rest (AES-256). Our infrastructure is hosted on servers located in the United Kingdom and European Union. We implement industry-standard security controls including access logging, role-based access control, and regular security assessments.

5. Data Sharing

We do not sell your data to third parties. Data is shared only within the platform for the purpose of credit scoring and assessment. Specifically:

• Financial data is used internally to generate credit risk scores.
• Authorised users within your organisation can view assessments you create.
• We do not share your data with external marketing or advertising services.

6. Data Retention

Credit assessments and associated financial data are retained for a minimum of 7 years in accordance with UK financial regulatory requirements. For demo and trial accounts, data may be deleted upon request or at the end of the trial period. You may request early deletion of your data subject to our regulatory obligations.

7. Your Rights (GDPR)

Under the UK GDPR, you have the right to:

• Access: request a copy of the personal data we hold about you.
• Rectification: request correction of inaccurate or incomplete data.
• Erasure: request deletion of your data, subject to regulatory retention requirements.
• Portability: receive your data in a structured, machine-readable format.
• Objection: object to processing of your data in certain circumstances.

To exercise any of these rights, contact us at the address below.

8. AI and Automated Processing

We use artificial intelligence (Claude by Anthropic) to parse and analyse uploaded documents, including financial statements and company filings. When documents are processed, relevant data is sent to the Anthropic API for analysis. Anthropic does not use this data to train their models. AI-generated scores and assessments are provided as advisory tools and do not constitute automated decision-making under GDPR Article 22.

9. Cookies

We use session cookies only to maintain your authenticated session. We do not use tracking cookies, analytics cookies, or third-party advertising cookies. No consent banner is required as our cookies are strictly necessary for the service to function.

10. Contact Us

If you have questions about this Privacy Policy or wish to exercise your data rights, please contact us:

AgentCredit
Email: [email protected]