Overview
Credeity processes borrower-authorized accounting data solely for the purpose of generating independent third-party payment behavior analysis reports for regulated lenders.
Data Usage
Data accessed through the Credeity platform is used exclusively for the authorized credit evaluation. Credeity does not resell, license, or use borrower data for marketing, profiling, or any secondary purpose.
Access & Storage
Data is accessed on a read-only basis and is limited to authorized evaluation processes. Borrower accounting exports are deleted within 7 days of report delivery. Lender account data is retained only as long as the institutional relationship remains in effect.
Security
Data in transit is protected using TLS 1.2 or higher. Data at rest is encrypted using AES-256. Access controls are enforced at the application and database level to limit exposure to authorized processes only.
Borrower Authorization
All analyses are performed only after explicit borrower authorization for the specific evaluation. Authorization is one-time and read-only. Credeity does not retain ongoing access to borrower accounting systems.
Regulatory Position
Credeity is not a consumer reporting agency as defined under the Fair Credit Reporting Act (FCRA). Reports are delivered solely for internal institutional credit evaluation purposes.
Privacy Inquiries
For data handling or privacy-related inquiries, contact info@credeity.com.