CreditVigil, operated by Ampersands AI Inc. (“we,” “us,” or “our”), is committed to protecting the privacy of our users and their data. This Privacy Policy explains how we collect, use, store, and protect information when you use the CreditVigil platform and related services.
Information We Collect
We collect the following categories of information:
- Loan portfolio data: Aggregated metrics such as disbursement volumes, repayment rates, vintage performance, and score distributions. We do not collect or store personally identifiable information (PII) of individual borrowers.
- Contact and account information: Name, email address, company name, job title, and phone number provided through our contact forms, health check requests, or account registration.
- Usage and analytics data: Information about how you interact with our website and platform, including pages visited, browser type, device information, IP address, and referral source. This data is collected through cookies and similar technologies.
How We Use Your Information
We use the information we collect to:
- Provide credit model monitoring services, including drift detection, performance tracking, and portfolio risk analysis.
- Generate portfolio health check reports and ongoing monitoring dashboards.
- Communicate with you about our services, respond to inquiries, and send monitoring alerts.
- Improve our platform, develop new features, and enhance the accuracy of our analytics.
- Comply with legal obligations and enforce our terms of service.
Data Security
We take the security of your data seriously and implement industry-standard measures to protect it:
- Encryption in transit: All data transmitted to and from our platform is encrypted using TLS 1.3.
- Encryption at rest: All stored data is encrypted using AES-256 encryption.
- Non-disclosure agreements: We execute a mutual NDA with all clients before any loan portfolio data is exchanged or processed.
- Access to client data is restricted to authorized personnel on a need-to-know basis.
- We conduct regular security reviews and maintain access logs for all data operations.
Data Retention
We retain loan portfolio data for the duration of your active subscription plus 90 days to allow for service continuity. Contact and account information is retained for as long as you maintain an account with us. Analytics data is retained in anonymized form for up to 24 months. Upon termination of services, you may request deletion of your data, and we will comply within 30 business days.
Third-Party Services
We may use third-party services to support our operations, including cloud infrastructure providers, analytics platforms, and communication tools. These providers are contractually obligated to protect your data and may only process it on our behalf. We do not sell, rent, or share your loan portfolio data with third parties for their own purposes.
Your Rights
Depending on your jurisdiction, you may have the following rights regarding your data:
- Access: The right to request a copy of the data we hold about you.
- Correction: The right to request correction of inaccurate or incomplete data.
- Deletion: The right to request deletion of your data, subject to legal and contractual obligations.
- Portability: The right to request your data in a structured, machine-readable format.
- Objection: The right to object to certain processing activities.
To exercise any of these rights, please contact us at hello@creditvigil.com.
Contact Us
If you have any questions about this Privacy Policy or our data practices, please contact us:
- Email: hello@creditvigil.com
- Operated by Ampersands AI Inc.