How We Handle Your Financial Data
Our AI-powered risk assessment platform processes thousands of financial indicators every day. Here's exactly what happens with your information, who sees it, and how we protect it.
What Data We Actually Collect
We're not interested in collecting data we don't need. Every piece of information we request serves a specific purpose in calculating your financial risk profile.
Transaction History
We analyze your past 24 months of transactions to identify spending patterns, income stability, and cash flow trends. This helps us understand your financial behavior under different conditions.
Income Sources
Regular salary deposits, freelance payments, investment returns—we track all of it. Multiple income streams can improve your risk score, but only if they're consistent.
Existing Obligations
Mortgages, car loans, credit card balances—we need to see what you already owe. This affects how much additional credit risk you can reasonably handle.
Payment Behavior
Late payments matter. We track when bills get paid relative to due dates. Consistent early payments strengthen your profile; late ones raise questions.
Asset Information
Savings accounts, investment portfolios, property ownership—these provide a safety cushion. They don't guarantee approval, but they help offset other risk factors.
Market Context
We compare your profile against current economic conditions in your industry and region. A stable job in a growing sector carries different weight than one in a declining market.
Behind the Scenes of Risk Assessment
When you submit a financial application, our system begins a multi-stage analysis process. Think of it as running your data through several different lenses—each one looking for specific patterns that indicate financial stability or potential risk.
The first pass takes about 3 seconds. That's when we check basic eligibility criteria and flag any immediate concerns. Then comes the deeper analysis—comparing your profile against thousands of similar cases we've seen before, looking at seasonal patterns in your cash flow, and calculating probability ranges for different outcomes.
Data Points Analyzed
Average Processing Time
Calculation Accuracy
Encryption Standard
Who Reviews Your Information
Our risk assessment system is automated, but real people oversee the process. Meet two members of our compliance team who ensure everything runs according to regulations.
Destin Halverson
Chief Compliance Officer
Former BaFin examiner with 14 years in financial regulation. Destin audits our risk models monthly and handles all regulatory reporting. He's the one who makes sure we're not just following the rules, but understanding why they exist.
Randell Quillen
Data Protection Lead
Manages our encryption protocols and access controls. Randell reviews every data request that comes through our system and investigates any unusual activity. He's paranoid about security—which is exactly what you want in this role.
Our Transparency Promise
We believe you should understand exactly how financial decisions about you get made. That's why we've built our entire platform around clear explanations and accessible information. If something about your risk assessment doesn't make sense, you can request a detailed breakdown.
Access Rights
View all data we hold about you within 48 hours of requesting it. No exceptions, no delays.
Correction Process
Found an error in your profile? Submit corrections with supporting documentation. We review them within 5 business days.
Data Deletion
Request complete removal of your information. We'll delete everything except what we're legally required to keep for audits.