Privacy Policy

1. Introduction

Pointora, LLC ("Pointora," "we," "us," or "our") is committed to protecting the privacy and security of the information we collect. This Privacy Policy describes how we collect, use, disclose, and safeguard your information when you visit our website pointora.org (the "Site") or use our AI-powered lending decision platform and related services (collectively, the "Services").

By accessing or using our Services, you agree to the collection and use of information in accordance with this Privacy Policy. If you do not agree, please do not access or use our Services.

2. Information We Collect

Personal Information

We may collect personal information that you voluntarily provide when you interact with us, including but not limited to:

• Name and contact details (email address, phone number, mailing address)
• Company or organization name and title
• Account credentials and authentication data
• Communications and correspondence you send to us
• Payment and billing information when applicable

Usage and Technical Data

When you access our Services, we may automatically collect certain information, including:

• IP address, browser type, and operating system
• Pages visited, time spent on pages, and navigation paths
• Device identifiers and diagnostic data
• Referring URL and search terms

Lending and Financial Data

When our enterprise clients use the PointoraLP decision engine, loan application data may be processed through our platform. This data is governed by separate data processing agreements between Pointora and its enterprise clients. We act as a data processor on behalf of our clients and process such data strictly in accordance with their instructions and applicable regulations.

3. How We Use Your Information

We use the information we collect for the following purposes:

• To provide, operate, and maintain our Services
• To process and respond to your inquiries and demo requests
• To improve, personalize, and expand our Services
• To communicate with you about updates, security alerts, and support
• To detect, prevent, and address technical issues and fraud
• To comply with legal obligations and enforce our agreements
• To analyze usage trends and optimize the performance of our platform

4. Data Sharing and Disclosure

We do not sell your personal information. We may share your information in the following circumstances:

• Service Providers: With trusted third-party vendors who assist in operating our Services (e.g., hosting, analytics, email delivery), subject to confidentiality obligations.
• Legal Requirements: When required by law, regulation, legal process, or governmental request.
• Business Transfers: In connection with a merger, acquisition, reorganization, or sale of assets, your information may be transferred as part of the transaction.
• Protection of Rights: To protect the rights, property, or safety of Pointora, our users, or the public.
• With Your Consent: When you have given us explicit permission to share your information.

5. Data Security

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

• Encryption of data in transit (TLS/SSL) and at rest
• Access controls and authentication mechanisms
• Regular security assessments and vulnerability testing
• Employee training on data protection best practices

While we strive to use commercially reasonable means to protect your personal information, no method of transmission over the Internet or method of electronic storage is 100% secure, and we cannot guarantee absolute security.

6. Data Retention

We retain your personal information only as long as necessary to fulfill the purposes for which it was collected, comply with our legal obligations, resolve disputes, and enforce our agreements. When personal information is no longer required, we will securely delete or anonymize it in accordance with our data retention policies.

7. Your Rights and Choices

Depending on your jurisdiction, you may have certain rights regarding your personal information, including:

• Access: Request a copy of the personal information we hold about you.
• Correction: Request that we correct any inaccurate or incomplete information.
• Deletion: Request that we delete your personal information, subject to legal exceptions.
• Opt-Out: Unsubscribe from marketing communications at any time using the link provided in our emails.
• Data Portability: Request a portable copy of your data in a structured, commonly used format.

To exercise any of these rights, please contact us at privacy@pointora.org.

8. Cookies and Tracking Technologies

We use cookies and similar tracking technologies to collect information about your browsing activity. These may include:

• Essential Cookies: Required for the operation of our Site and Services.
• Analytics Cookies: Help us understand how visitors interact with our Site so we can improve it.
• Functional Cookies: Enable enhanced functionality and personalization.

You can control cookie settings through your browser preferences. Disabling certain cookies may limit your ability to use some features of our Services.

9. Third-Party Links

Our Site may contain links to third-party websites or services. We are not responsible for the privacy practices of these third parties. We encourage you to review the privacy policies of any external sites you visit.

10. Children's Privacy

Our Services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children. If we learn that we have inadvertently collected information from a child, we will take steps to delete it promptly.

11. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of material changes by posting the updated policy on this page with a revised "Last updated" date. Your continued use of our Services after any changes constitutes your acceptance of the revised policy.

12. Contact Us

If you have any questions or concerns about this Privacy Policy or our data practices, please contact us at: