Privacy Policy

1. Introduction

Financial Service Center, LLC ("FSC," "we," "us," or "our") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use the Financial Service Center platform ("Platform"). Please read this policy carefully. By using the Platform, you consent to the practices described herein.

2. Information We Collect

2.1 Information You Provide

• Account information: Name, email address, phone number, and password
• Business information: Legal business name, DBA, entity type, EIN, address, industry, years in business, number of employees, annual revenue
• Owner information: Owner name, date of birth, ownership percentage, personal address
• Financial information: Bank account details (routing and account numbers), processing statements, tax returns, and related financial documents
• Identity documents: Driver's license, articles of incorporation, business licenses
• Payment information: Credit/debit card details for subscription billing (processed by Stripe; we do not store raw card numbers)

2.2 Information Collected Automatically

• Log data: IP address, browser type, pages visited, time spent, referring URLs
• Device information: Device type, operating system, unique device identifiers
• Cookies and similar technologies: Session cookies, preference cookies, and analytics tokens

2.3 Information from Third Parties

• Authentication providers: We use Clerk for identity management; information shared upon sign-in
• Credit bureaus: With your consent, we may obtain business and personal credit information for application evaluation
• Payment processors: Transaction and account status information from Stripe and Payarc

3. How We Use Your Information

We use collected information to:

• Create and manage your account and provide Platform services
• Process and evaluate applications for financial products
• Connect you with appropriate Service Providers
• Send transactional communications (application updates, account notices, billing receipts)
• Send marketing communications, where permitted and with the ability to opt out
• Improve, personalize, and develop new Platform features
• Detect and prevent fraud, abuse, and security incidents
• Comply with legal obligations and respond to legal process
• Enforce our Terms of Service

4. How We Share Your Information

We do not sell your personal information. We share your information only in these circumstances:

4.1 Service Providers and Partners

We share your business and financial information with Service Providers (lenders, payment processors, insurance partners) when you initiate an application for their products. By submitting an application, you authorize this sharing.

4.2 Technology Vendors

We use the following vendors who process data on our behalf:

• Clerk — Authentication and identity management
• Stripe — Payment processing and subscription management
• Amazon Web Services (AWS) — Cloud infrastructure and document storage
• Resend — Transactional email delivery
• Anthropic — AI-powered document data extraction

4.3 Franchise and Partner Tenants

If you access the Platform through a franchise or association partner (e.g., PackageHub, EagleTrace), your enrollment status and basic account information may be shared with that partner as part of their member management program.

4.4 Legal Requirements

We may disclose your information when required by law, court order, or government regulation, or when we believe disclosure is necessary to protect our rights or the safety of others.

4.5 Business Transfers

In the event of a merger, acquisition, or sale of assets, your information may be transferred to the acquiring entity. We will notify you before your information becomes subject to a materially different privacy policy.

5. Data Security

We implement industry-standard security measures to protect your information:

• TLS 1.2+ encryption for all data in transit
• AES-256 encryption for data at rest on AWS infrastructure
• Field-level encryption for highly sensitive data (SSN, bank account numbers)
• Access controls and multi-factor authentication for administrative systems
• Regular security audits and vulnerability assessments

No method of transmission over the internet or electronic storage is 100% secure. While we strive to protect your information, we cannot guarantee absolute security.

6. Data Retention

We retain your information for as long as your account is active or as necessary to provide services. After account closure, we retain data for up to 7 years to comply with financial recordkeeping requirements and legal obligations. You may request deletion of your data subject to these retention requirements.

7. Cookies

We use cookies and similar tracking technologies to operate the Platform, remember your preferences, and analyze usage patterns. You can control cookies through your browser settings; however, disabling cookies may affect Platform functionality. We use:

• Essential cookies: Required for Platform operation (authentication sessions)
• Preference cookies: Remember your settings (e.g., dark mode preference)
• Analytics cookies: Understand usage patterns to improve the Platform

8. Your Rights and Choices

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

• Access: Request a copy of the personal information we hold about you
• Correction: Request correction of inaccurate or incomplete information
• Deletion: Request deletion of your personal information (subject to legal retention requirements)
• Portability: Request your data in a structured, machine-readable format
• Opt-out of marketing: Unsubscribe from marketing emails via the link in any email
• Do Not Sell: We do not sell personal information; no opt-out is required

To exercise any of these rights, contact us at privacy@financialservicecenter.com. We will respond within 30 days.

9. Children's Privacy

The Platform is intended for business owners and is not directed to individuals under 18 years of age. We do not knowingly collect personal information from minors. If you believe we have inadvertently collected such information, contact us immediately.

10. California Privacy Rights (CCPA)

California residents have additional rights under the California Consumer Privacy Act, including the right to know what personal information is collected, the right to delete personal information, and the right to non-discrimination for exercising privacy rights. To submit a verifiable consumer request, contact us at privacy@financialservicecenter.com.

11. Changes to This Policy

We may update this Privacy Policy periodically. We will notify you of material changes by email or by prominently posting a notice on the Platform before the changes take effect. The "Effective Date" at the top of this policy indicates when it was last revised.

12. Contact Us

For privacy-related inquiries or to exercise your rights, contact our Privacy Team: