Privacy Policy

We collect information in the following ways:

We use the information we collect to:

• Create and manage your account and business profile.
• Generate your AI-powered business credit readiness score.
• Match you with appropriate Net-30 vendors based on your profile.
• Pre-fill and submit vendor credit applications on your behalf (with your authorization).
• Monitor your business credit profile and send alerts.
• Process payments and manage your subscription.
• Send transactional emails (account confirmations, application updates, score changes).
• Send marketing communications (with your consent; you may opt out at any time).
• Improve, personalize, and expand our Service.
• Detect, prevent, and address fraud, security incidents, and technical issues.
• Comply with legal obligations and enforce our Terms of Service.

If you are located in the European Economic Area or United Kingdom, we process your personal data under the following legal bases: (a) performance of a contract when providing the Service; (b) legitimate interests in operating and improving our platform; (c) your consent for marketing communications; and (d) compliance with legal obligations.

We do not sell your personal information. We may share your information with:

• Net-30 Vendors: Business profile and application data shared with vendors you authorize us to apply to on your behalf.
• Credit Bureaus & Reporting Agencies: As required to generate credit scores and reports.
• Service Providers: Third-party vendors who assist with payment processing, cloud hosting, email delivery, analytics, and customer support — bound by confidentiality agreements.
• Business Transfers: In connection with a merger, acquisition, or sale of assets, your information may be transferred as a business asset.
• Legal Requirements: When required by law, court order, or governmental authority, or to protect the rights and safety of BBC Better Business Credit, our users, or the public.

Because BBC Better Business Credit handles sensitive business financial data, we apply heightened protections:

• EINs and business financial data are encrypted at rest using AES-256 encryption.
• Access to sensitive business data is restricted to authorized personnel on a need-to-know basis.
• We do not use your EIN or business financial data for any purpose other than providing the Service.
• We are not a credit repair organization under the Credit Repair Organizations Act (CROA). We provide tools and information to help you build credit; we do not dispute items on your behalf or guarantee credit score improvements.

We retain your personal and business information for as long as your account is active or as needed to provide the Service. If you close your account, we will delete or anonymize your data within 90 days, except where we are required to retain it for legal, regulatory, or legitimate business purposes (e.g., tax records, fraud prevention). Credit application records may be retained for up to 7 years as required by applicable financial regulations.

Depending on your location, you may have the following rights:

• Access: Request a copy of the personal data we hold about you.
• Correction: Request correction of inaccurate or incomplete data.
• Deletion: Request deletion of your personal data, subject to legal retention requirements.
• Portability: Request your data in a structured, machine-readable format.
• Opt-Out of Marketing: Unsubscribe from marketing emails at any time via the link in any email or by contacting us.
• Do Not Sell / Share (CCPA): California residents may opt out of the sale or sharing of personal information. We do not sell personal information.

To exercise any of these rights, contact us at [email protected]. We will respond within 30 days.

We use the following types of cookies:

• Essential Cookies: Required for the platform to function (authentication, session management).
• Analytics Cookies: Help us understand how users interact with the Service (e.g., Google Analytics). You may opt out via your browser settings or the Google Analytics opt-out tool.
• Preference Cookies: Remember your settings and preferences.

You can control cookies through your browser settings. Disabling essential cookies may impair platform functionality.

We implement industry-standard security measures including TLS encryption for data in transit, AES-256 encryption for sensitive data at rest, multi-factor authentication options, regular security audits, and access controls. However, no method of transmission over the internet is 100% secure. We cannot guarantee absolute security and encourage you to use a strong, unique password and enable two-factor authentication on your account.

The Service is intended for business owners and is not directed to individuals under the age of 18. We do not knowingly collect personal information from minors. If you believe a minor has provided us with personal information, please contact us and we will delete it promptly.

The Service may contain links to third-party websites, including vendor websites. We are not responsible for the privacy practices of those sites and encourage you to review their privacy policies before providing any information.

We may update this Privacy Policy from time to time. We will notify you of material changes by posting the new policy on this page and updating the "Effective Date" above. For significant changes, we will also send an email notification to registered users. Your continued use of the Service after the effective date constitutes acceptance of the updated policy.

If you have questions, concerns, or requests regarding this Privacy Policy, please contact us: