Privacy Policy

This Policy applies to information processed through the Decipher platform, the websites and portals we operate, and any related services we provide to businesses, applicants, borrowers, guarantors, and other authorized users.

It covers personal information collected directly from you, information we receive from your organization or third-party sources, and information generated in the course of providing lending, underwriting, monitoring, workflow, or related services.

We use personal and business information to provide and improve the platform, evaluate applications, manage accounts, and support servicing and operations for our customers and their authorized users.

We also use information to communicate with you, maintain security and compliance, prevent fraud and misuse, support internal reporting, and fulfill legal, contractual, or regulatory obligations related to the services we provide.

Decipher may share information with trusted third parties only where necessary to operate the platform, support services, process transactions, meet legal requirements, or protect legitimate interests.

Examples include infrastructure providers, payment processors, customer support providers, audit and compliance partners, and other service providers bound by confidentiality obligations. We do not sell personal information for monetary consideration.

We take reasonable administrative, technical, and organizational measures to protect personal information and maintain the confidentiality, integrity, and availability of the systems we operate.

This includes access controls, encrypted transmission in transit, environment isolation, monitoring, and operational security practices aligned with industry standards and our internal policies.

Depending on your jurisdiction and the nature of the information involved, you may have rights to access, correct, delete, restrict, or object to certain processing activities, or to request a copy of the data we hold about you.

You may also have rights related to opt-out requests for marketing communications or to exercise privacy preferences available through account settings or direct contact with our support team.

We retain personal information only for as long as necessary to fulfill the purposes described in this Policy, comply with legal obligations, support business operations, resolve disputes, and enforce agreements.

When information is no longer needed, we securely delete or anonymize it in accordance with internal retention schedules and applicable requirements.

We may use cookies, web beacons, session identifiers, and similar technologies to support authentication, perform analytics, measure traffic, improve product experience, and remember preferences.

You may be able to configure your browser or device to reject or limit cookies; however, some platform features may not function properly if those technologies are disabled.

Your information may be transferred to and processed in countries other than your own, including the United States, where data protection laws may differ from those in your jurisdiction.

Where required, we implement safeguards designed to provide an appropriate level of protection for personal information transferred across borders.

The Decipher platform is not intended for use by children under the age of consent in their applicable jurisdiction, and we do not knowingly collect personal information from children without appropriate legal basis or parental authorization.

We also ask users and customers to avoid submitting sensitive personal information beyond what is necessary for a legitimate business purpose or lawful requirement.

If you have questions about this Privacy Policy, your personal information, or any privacy-related request, please contact us for assistance. We are committed to responding to inquiries in a timely and transparent manner.

We may update this Policy from time to time to reflect changes in legal requirements, our practices, or the services we provide. When material changes are made, we will notify relevant users through appropriate channels such as email, in-app notices, or other platform communications.

Your continued use of the services after the updated policy becomes effective constitutes acceptance of the revised terms, subject to any legal rights you may have under applicable law.