Our Privacy Commitment
The Link SBA 7(a) is built with privacy as a core principle. We do NOT use AI services that send your data to third parties. Your financial information stays private and secure.
1. Information We Collect
1.1 Information You Provide
When you use The Link SBA 7(a), you may provide:
- Account information (email address, name)
- Business documents and financial information
- Personal financial statements
- Business plans and supporting documents
- Any other information you upload or enter into the Service
1.2 Automatically Collected Information
We automatically collect:
- Usage data (features used, time spent, actions taken)
- Device information (browser type, operating system, IP address)
- Log data (access times, errors, performance metrics)
- Cookies and similar technologies for functionality
2. How We Use Your Information
We use your information to:
- Provide and maintain the Service
- Process your documents and organize your loan application materials
- Store your data securely for access across sessions
- Improve and optimize the Service
- Communicate with you about the Service
- Prevent fraud and ensure security
- Comply with legal obligations
3. What We DO NOT Do With Your Data
Critical Privacy Protections:
- We DO NOT send your documents to third-party AI services (like OpenAI, Anthropic, or Google)
- We DO NOT sell your data to data brokers or advertisers
- We DO NOT share your financial information with lenders without your explicit consent
- We DO NOT use your data for marketing purposes outside of the Service
- We DO NOT train AI models on your sensitive business information
4. How We Process Your Data
The Link SBA 7(a) uses a rules-based guidance system that operates without external AI APIs:
- Document guidance is generated using pre-programmed logic (not AI)
- Recommendations are based on static rules, not machine learning
- Your documents are processed locally in your browser where possible
- File uploads are stored securely on our servers, not shared externally
5. Data Storage and Security
5.1 Where We Store Data
Your data is stored:
- On secure cloud servers provided by Vercel (hosted on AWS)
- In your browser's local storage for certain preferences
- All data is stored in the United States
5.2 Security Measures
We implement industry-standard security measures:
- HTTPS encryption for all data transmission
- Secure authentication and access controls
- Regular security audits and updates
- Encrypted database storage
- Limited employee access to user data
5.3 Your Responsibility
You are responsible for:
- Maintaining the confidentiality of your account credentials
- Using strong passwords
- Notifying us immediately of any unauthorized access
- Backing up your own documents
6. Data Sharing and Disclosure
6.1 Third-Party Service Providers
We may share data with trusted service providers who help us operate the Service:
- Vercel (hosting and infrastructure)
- Payment processors (Stripe, if applicable)
- Email service providers (for account communications)
These providers are contractually obligated to protect your data and may only use it to provide services to us.
6.2 Legal Requirements
We may disclose your information if required by:
- Legal process (subpoena, court order)
- Government or regulatory requests
- Protection of our rights or property
- Prevention of fraud or illegal activity
6.3 Business Transfers
If The Link is acquired or merged with another company, your information may be transferred to the new owner. We will notify you before your information is transferred and becomes subject to a different privacy policy.
7. Your Privacy Rights
Depending on your location, you may have the right to:
- Access: Request a copy of your personal data
- Correction: Request correction of inaccurate data
- Deletion: Request deletion of your data ("right to be forgotten")
- Portability: Receive your data in a portable format
- Opt-out: Opt out of marketing communications
- Restrict Processing: Limit how we use your data
To exercise these rights, contact us at [your-email@loanlink.com]. We will respond within 30 days.
8. Data Retention
We retain your data:
- For as long as your account is active
- As necessary to provide the Service
- To comply with legal obligations
- To resolve disputes and enforce agreements
If you request deletion, we will delete or anonymize your data within 90 days, except where retention is required by law.
9. Cookies and Tracking
We use cookies and similar technologies for:
- Authentication and security
- Remembering your preferences
- Analytics and performance monitoring
- Improving user experience
You can control cookies through your browser settings, but disabling them may affect functionality.
10. Children's Privacy
The Link SBA 7(a) is not intended for users under 18 years of age. We do not knowingly collect information from children. If we discover we have collected data from a child, we will delete it immediately.
11. International Users
If you are accessing the Service from outside the United States, your information will be transferred to and processed in the United States. By using the Service, you consent to this transfer.
12. Changes to This Policy
We may update this Privacy Policy from time to time. We will notify you of material changes by posting the new policy and updating the "Last Updated" date. Your continued use after changes constitutes acceptance.
13. Contact Us
For privacy-related questions or to exercise your rights, contact us at:
Email: [your-email@loanlink.com]
Address: [Your Business Address]
Summary: Your Privacy Matters
At The Link, we believe your financial data should remain private. We built our service without external AI APIs specifically to protect your sensitive business information. We will never sell your data or send it to third-party AI services.