Privacy Policy

1. Introduction

Zero2Ten LLC ("we," "our," or "us") respects your privacy and is committed to protecting your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our platform.

Please read this policy carefully. By using our Service, you consent to the practices described in this Privacy Policy.

2. Information We Collect

2.1 Information You Provide

• Account Information: Name, email address, phone number
• Business Information: Business name, type, ownership details
• Financial Information: Personal and business financial statements, assets, liabilities, income data
• Documents: Tax returns, bank statements, and other files you upload
• Communications: Messages and feedback you send to us

2.2 Information Collected Automatically

• Usage Data: Pages visited, features used, time spent on the platform
• Device Information: Browser type, operating system, IP address
• Cookies: Session cookies for authentication and preferences

3. How We Use Your Information

We use the information we collect to:

• Provide, maintain, and improve our Service
• Generate financial statements and loan readiness assessments
• Communicate with you about your account and our services
• Respond to your requests and provide customer support
• Analyze usage patterns to improve user experience
• Protect against unauthorized access and fraud
• Comply with legal obligations

4. Information Sharing

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

• With Your Consent: When you explicitly authorize us to share information with lenders or other parties
• Service Providers: With trusted vendors who help us operate our platform (hosting, analytics)
• Legal Requirements: When required by law, subpoena, or to protect our rights
• Business Transfers: In connection with a merger, acquisition, or sale of assets

5. Data Security

We implement appropriate technical and organizational measures to protect your information, including:

• Encryption of data in transit and at rest
• Secure authentication mechanisms
• Regular security assessments
• Access controls and audit logging

However, no method of transmission over the Internet is 100% secure. We cannot guarantee absolute security.

6. Data Retention

We retain your information for as long as your account is active or as needed to provide services. We may retain certain information as required by law or for legitimate business purposes. You may request deletion of your account and associated data by contacting us.

7. Your Rights

Depending on your location, you may have the right to:

• Access the personal information we hold about you
• Correct inaccurate or incomplete information
• Request deletion of your personal information
• Object to or restrict certain processing activities
• Data portability (receive your data in a structured format)
• Withdraw consent where processing is based on consent

To exercise these rights, please contact us at privacy@zero2ten.biz

8. Cookies and Tracking

We use cookies and similar technologies to:

• Keep you signed in to your account
• Remember your preferences
• Understand how you use our Service
• Improve our platform

You can control cookies through your browser settings, but disabling cookies may affect functionality.

9. Third-Party Links

Our Service may contain links to third-party websites. We are not responsible for the privacy practices of these external sites. We encourage you to review their privacy policies.

10. Children's Privacy

Our Service is not intended for individuals under 18 years of age. We do not knowingly collect personal information from children. If we learn we have collected information from a child, we will 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 new policy on this page and updating the "Last Updated" date. Your continued use of the Service after changes become effective constitutes acceptance of the revised policy.

12. Contact Us

If you have questions about this Privacy Policy, please contact us at: privacy@zero2ten.biz

Zero2Ten LLC
support@zero2ten.biz