Privacy Policy

Last updated: July 2026

Draft document — not legal advice.This page is a template prepared for launch planning purposes. It has not been reviewed by a licensed attorney and should not be relied on as your company's final, compliant policy — particularly given the credit-reporting and lending-related features described on this site, which carry state and federal requirements (including FCRA, ECOA/Regulation B, state lending licensure, and state privacy law) that a qualified attorney should review before publication.

This Privacy Policy explains how Develop Credit ("Develop Credit," "we," "us," or "our") collects, uses, discloses, and safeguards information when you visit our website or use our services, including any business credit tracking, credit-building, or credit builder loan features (collectively, the "Services").

1. Information We Collect

We collect information you provide directly, including:

Account information: name, email address, password (stored as a hash, never in plain text), business name, and entity type.
Business identifying information: EIN, business address, and other details needed to establish or verify a business credit profile.
Payment information: processed by our payment processor; we do not store full payment card numbers on our own servers.
Communications: messages you send to support or through contact forms.

We also collect information automatically, including:

Usage data: pages viewed, features used, and interactions with the Services.
Device and log data: IP address, browser type, and device identifiers.
Cookies and similar technologies, as described in Section 6.

If you use credit tracking or credit builder loan features, we (or our credit monitoring and reporting service providers, and our banking partner) may also obtain business credit report data from consumer and commercial credit reporting agencies.

2. How We Use Information

To create and administer your account and provide the Services.
To generate business credit tracking reports and score breakdowns.
To originate, underwrite, and service credit builder loan accounts, where applicable, in partnership with our banking partner.
To process payments and manage subscriptions.
To communicate with you about your account, including service updates and, where you have not opted out, marketing communications.
To detect, prevent, and investigate fraud, security incidents, and violations of our Terms and Conditions.
To comply with legal and regulatory obligations.

3. How We Share Information

We may share information with:

Service providers who perform functions on our behalf, such as hosting, payment processing, identity verification, and customer support.
Our credit monitoring and reporting service provider, to retrieve business credit data and furnish payment history to the applicable business credit bureaus.
Our banking partner, for underwriting, originating, and servicing credit builder loan accounts.
Marketplace and referral partners listed in our Resources directory, only where you choose to click through or apply.
Professional advisors, regulators, and law enforcement where required by law or to protect our rights.
A successor entity in connection with a merger, acquisition, or sale of assets.

We do not sell your personal information for money.

4. Data Retention

We retain personal information for as long as necessary to provide the Services, comply with legal obligations (including recordkeeping obligations that apply to lending and credit-reporting activity), resolve disputes, and enforce our agreements.

5. Your Choices and Rights

Depending on where you live, you may have rights to access, correct, delete, or receive a copy of your personal information, and to object to or restrict certain processing. California residents should also see our CCPA Notice. To exercise a privacy right, contact us using the information in Section 9.

6. Cookies

We use cookies and similar technologies to operate the Services, remember your preferences, and understand how the Services are used. You can control cookies through your browser settings; disabling cookies may limit some functionality.

7. Data Security

We use administrative, technical, and physical safeguards designed to protect personal information, including encryption of data in transit and hashed password storage. No method of transmission or storage is completely secure, and we cannot guarantee absolute security.

8. Children's Privacy

The Services are intended for business owners and representatives who are at least 18 years old. We do not knowingly collect personal information from children.

9. Contact Us

Questions about this Privacy Policy can be directed to privacy@developbusinesscredit.com.

10. Changes to This Policy

We may update this Privacy Policy from time to time. Material changes will be reflected by updating the "Last updated" date above.