Privacy Policy

1. Introduction

e/fund Plutus AI ("we," "our," or "Platform") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our AI-powered underwriting platform.

2. Information We Collect

Account Information

• Name and contact information
• Email address and phone number
• Company name and business details
• Account credentials

Application Data

• Business financial documents (bank statements, tax returns)
• Business information and legal documents
• Credit and financial history data
• Any documents uploaded for underwriting analysis

Funder Review Identity

Submitting or editing a funder review requires your legal business name and business EIN, not an SSN. For this review feature, we retain the private legal name, EIN last four digits, and a purpose-specific keyed fingerprint for business matching and abuse prevention. The full EIN is processed transiently and is not retained in recoverable form. Only the legal name and masked EIN appear in the owner-only moderation queue; identity fields are excluded from public reviews, ratings, directory pages, and API responses. This information does not independently verify a business or transaction. No review documents are requested. Identity is retained with the review and removed when the review is deleted; contact us using the details below for privacy requests.

Usage Data

• Log data and analytics
• Device and browser information
• IP address and location data
• Platform interaction patterns

3. How We Use Your Information

We use collected information to:

• Provide AI-powered underwriting analysis
• Process and evaluate funding applications
• Improve our AI models and platform accuracy
• Communicate with you about your account and applications
• Ensure platform security and prevent fraud
• Comply with legal and regulatory requirements

4. AI Processing

Our Platform uses artificial intelligence to analyze submitted documents. You acknowledge that:

• Documents are processed by AI systems to extract and analyze data
• AI analysis is used to generate risk assessments and recommendations
• Anonymized data may be used to improve our AI models
• Human review is available for all AI-generated decisions

5. Data Sharing

We may share your information with:

• Funding Partners: To process and fulfill funding requests
• Service Providers: Third parties who assist in platform operations
• Legal Requirements: When required by law or to protect our rights
• Business Transfers: In connection with mergers or acquisitions

We do not sell your personal information to third parties.

6. Data Security

We implement industry-standard security measures including:

• Encryption of data in transit and at rest
• Secure cloud infrastructure with access controls
• Regular security audits and monitoring
• Employee training on data protection

While we strive to protect your data, no method of transmission over the Internet is 100% secure.

7. Data Retention

We retain your information for as long as necessary to provide our services and comply with legal obligations. Application data is typically retained for 7 years in accordance with financial record-keeping requirements. You may request deletion of your account data, subject to legal retention requirements.

8. Your Rights

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

• Access your personal data
• Correct inaccurate information
• Request deletion of your data
• Object to or restrict processing
• Data portability
• Withdraw consent

To exercise these rights, contact us at legal@plutusai.net

9. Cookies and Tracking

We use cookies and similar technologies to enhance your experience, analyze usage, and provide personalized features. You can control cookie preferences through your browser settings.

10. Children's Privacy

Our Platform is not intended for individuals under 18 years of age. We do not knowingly collect personal information from children.

11. Changes to This Policy

We may update this Privacy Policy periodically. We will notify you of significant changes via email or Platform notification. Your continued use after changes constitutes acceptance of the updated policy.

12. Contact Us

For privacy-related questions or concerns, contact us at: