Privacy Policy

Last Updated: December 2024

1. Introduction

This Privacy Policy explains how we collect, use, store, and protect your personal and business information when you use our debt financing assessment service. By submitting the form on our website, you consent to the practices described in this policy.

2. Data Controller

The data controller responsible for your information is the operator of this website. For questions regarding data protection, please contact us via the contact information provided on our website.

3. Information We Collect

When you submit the debt financing assessment form, we collect the following categories of information:

3.1 Company Information

• Company name
• Business sector
• Years of activity
• Country of incorporation
• Number of employees

3.2 Financial Information

• Total revenues (range)
• Expected revenue growth (range)
• Estimated gross margin level (range)
• EBITDA status
• Current financial debt (range)
• Receivables/collateral status

3.3 Business Profile

• Primary commercial activity region
• Revenue model (recurring/transactional)
• Primary customer type (B2C, SMEs, enterprises, public sector)
• Capital needs (range)
• Reason for funding

3.4 Contact Information

• Full name
• Job title/role
• Business email address
• Phone number (optional)

3.5 Consent Records

• Confirmation of authorised representative status
• Acknowledgment that inquiry does not constitute financial advice
• Consent to data processing

3.6 Technical Information

• IP address
• Browser type and version
• Timestamp of submission
• Unique submission identifier

4. How We Use Your Information

We process your information for the following purposes:

4.1 Primary Purposes

• Assessment Processing: To evaluate your debt financing inquiry and generate a preliminary assessment
• AI-Powered Analysis: To use artificial intelligence to analyse your submission and provide relevant financing insights
• Report Generation: To create a personalised PDF report based on your submission
• Communication: To send you the assessment results and follow-up communications via email

4.2 Secondary Purposes

• Service Improvement: To improve our assessment algorithms and service quality
• Legal Compliance: To comply with applicable laws and regulations
• Fraud Prevention: To detect and prevent fraudulent submissions

5. Legal Basis for Processing

We process your personal data based on:

• Consent: You explicitly consent to data processing by checking the consent checkbox before submission
• Legitimate Interest: For fraud prevention and service improvement
• Legal Obligation: Where required by applicable laws

6. Data Storage and Security

6.1 Storage Location

Your data is stored securely on Amazon Web Services (AWS) infrastructure located in Frankfurt, Germany (eu-central-1), ensuring your data remains within the European Union.

6.2 Security Measures

We implement the following security measures:

• Encryption at Rest: All data is encrypted using industry-standard encryption (AES-256)
• Encryption in Transit: All data transmissions use TLS/HTTPS encryption
• Access Controls: Strict access controls limit data access to authorised personnel only
• Serverless Architecture: Our infrastructure uses serverless technologies, minimising attack surface
• Audit Logging: All data access is logged and monitored

7. Third-Party Services

We use the following third-party services to process your data:

All third-party providers are bound by data processing agreements and comply with GDPR requirements.

8. Data Retention

We retain your data for the following periods:

After the retention period, data is automatically deleted or anonymised.

9. Your Rights

Under the General Data Protection Regulation (GDPR), you have the following rights:

9.1 Right of Access

You may request a copy of the personal data we hold about you.

9.2 Right to Rectification

You may request correction of inaccurate or incomplete data.

9.3 Right to Erasure

You may request deletion of your personal data (“right to be forgotten”).

9.4 Right to Restrict Processing

You may request that we limit how we use your data.

9.5 Right to Data Portability

You may request your data in a structured, machine-readable format.

9.6 Right to Object

You may object to processing based on legitimate interests.

9.7 Right to Withdraw Consent

You may withdraw your consent at any time without affecting the lawfulness of processing based on consent before withdrawal.

To exercise any of these rights, please contact us using the contact details provided on our website. We will respond to your request within 30 days.

10. Automated Decision-Making and AI Analysis

Our service uses automated processing, including AI-powered analysis, to generate financing assessments.

Important: The AI-generated assessment provides recommendations, tips, and financing suggestions based on your submitted data. This assessment is purely informational and serves as a starting point for your financing research. It is not binding and does not constitute professional financial advice.

How it works:

• You submit the form with your company and financial information
• Our AI analyses your data and generates a personalised assessment with recommendations
• The assessment report (PDF) is delivered to the email address you provided
• You receive tips and suggestions tailored to your financing needs

Limitations:

• The AI assessment does not produce legally binding decisions
• The recommendations do not replace professional financial advice
• The analysis is based solely on the information you provide
• Results may vary and are not guaranteed

You have the right to request human review of any automated assessment. Always consult with qualified financial professionals before making financing decisions.

11. International Data Transfers

Your data is processed and stored exclusively within the European Union (Frankfurt, Germany). We do not transfer your data outside the EU/EEA.

12. Children’s Privacy

Our service is intended for business professionals and authorised company representatives. We do not knowingly collect information from individuals under 18 years of age.

13. Cookies and Tracking

Our form submission page may use:

• Essential Cookies: Required for form functionality
• No Marketing Cookies: We do not use advertising or tracking cookies on our form pages

14. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of any material changes by:

• Updating the “Last Updated” date at the top of this policy
• Displaying a notice on our website

15. Contact Us

If you have questions about this Privacy Policy or wish to exercise your data protection rights, please contact us through the contact information provided on our website.

16. Supervisory Authority

If you believe your data protection rights have been violated, you have the right to lodge a complaint with a supervisory authority. You may contact your local data protection authority or the relevant authority where we are established.

Important Notice: This inquiry form and any resulting assessment are for informational purposes only and do not constitute financial advice. Always consult with qualified financial professionals before making financing decisions.