Privacy Policy

Introduction

Welcome to Fundora. We respect your privacy and are committed to protecting your personal information. This privacy policy explains how we collect, use, and safeguard your data when you use our loan readiness assessment service.

Fundora provides a free AI-powered loan readiness assessment to help small business owners understand their funding opportunities. By using our service, you agree to the collection and use of information in accordance with this policy.

Information We Collect

We collect information that you provide directly to us when using our assessment tool. This includes:

Contact Information

• First name and last name
• Email address
• Phone number
• Business address (street, city, state, zip code)

Business Information

• Business name
• Industry
• Time in business
• Number of employees

Financial Data

• Annual revenue
• Monthly debt obligations
• Cash reserves
• DSCR (Debt Service Coverage Ratio)
• Credit score range
• Collateral availability

Loan Details

• Desired loan amount
• Loan purpose
• Desired timeline
• Document availability (tax returns, financial statements)

How We Use Information

We use the information we collect for the following purposes:

• Report generation: We use Claude AI (by Anthropic) to analyze your assessment responses and generate a personalized loan readiness report.
• Lender matching: Only with your explicit opt-in consent, we may share your information with a maximum of one vetted lender who may be able to help with your financing needs.
• Email communications: We send transactional emails via Resend, including report delivery, opt-in confirmations, and contact change confirmations.
• Service improvement: We may use aggregated, anonymized data to improve our assessment algorithms and service quality.

Data Sharing

We only share your information in the following limited circumstances:

With Your Explicit Consent

• Lenders: Only if you explicitly opt-in to lender matching, we will share your assessment data with a maximum of one vetted lender. You can opt-out at any time.

Service Providers

We work with trusted third-party service providers to operate our platform:

• Anthropic (Claude AI): For AI-powered report generation. Assessment data is sent to Claude API to generate your personalized report.
• Supabase: For secure database hosting and user authentication.
• Resend: For transactional email delivery.
• Vercel: For hosting and deployment infrastructure.

No Sale of Data

We do not sell, rent, or trade your personal information to third parties for marketing purposes. Your data is used solely to provide you with our service.

Data Security

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

• Encryption in transit: All data is transmitted over HTTPS (SSL/TLS encryption).
• Row Level Security (RLS): Database-level access controls ensure users can only access their own data.
• Secure authentication: User authentication is managed by Supabase Auth with secure session handling.
• Server-side API keys: All API keys are stored server-side only and never exposed to the client.
• Data isolation: Each user's data is isolated at the database level using RLS policies.

While we implement strong security measures, no method of transmission over the internet is 100% secure. We cannot guarantee absolute security but are committed to protecting your data.

Your Privacy Rights

We respect your privacy rights under applicable laws, including GDPR and CCPA.

For Users in the European Union (GDPR)

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

• Right to access: You can view all your assessments and reports.
• Right to rectification: You can update your contact information at any time.
• Right to erasure: You can request deletion of your account, which will cascade delete all associated data.
• Right to opt-out: You can manage email preferences and lender matching opt-in status.

To exercise any of these rights, please contact us at support@whoisfundora.com.

For California Residents (CCPA)

Under the California Consumer Privacy Act (CCPA), California residents have the right to:

• Request disclosure of the categories and specific pieces of personal information we collect.
• Request deletion of your personal information.
• Opt-out of the sale of personal information (note: we do not sell your personal information).

To exercise your CCPA rights, contact us at support@whoisfundora.com.

Email Preferences

You can opt-out of marketing emails at any time using the unsubscribe link in any email we send. Transactional emails (such as report delivery) are necessary for the service and cannot be opted out of while using the platform.

Data Retention

We retain your personal information for as long as your account is active or as needed to provide you services. If you request account deletion, we will delete your data within 30 days, except where retention is required by law.

Assessment responses and reports are retained to allow you to access your historical data. You can request deletion of specific assessments or your entire account at any time.

Children's Privacy

Our service is intended for business owners who are at least 18 years old. We do not knowingly collect personal information from children under 18. If we become aware that we have collected personal information from a child under 18, we will take steps to delete such information.

Changes to This Policy

We may update this privacy policy from time to time to reflect changes in our practices or legal requirements. We will notify you of any material changes by posting the new policy on this page and updating the "Last updated" date.

We encourage you to review this policy periodically to stay informed about how we protect your information.

Contact Us

If you have any questions, concerns, or requests regarding this privacy policy or our data practices, please contact us:

Email: support@whoisfundora.com