Draft · pending legal review
Privacy policy
The short version
- We collect business details, the owner's credit report and a one-time read of business bank data only to produce a credit-readiness report.
- Bank access through Plaid is read-only, happens once, and is removed right after. We never see bank passwords and cannot move money.
- Uploaded credit report files are deleted automatically after 30 days.
- Sensitive data is encrypted with AES-256. Everything travels over HTTPS.
- We do not sell your data.
Who we are and how Trigganator is used
Trigganator is a business credit-readiness platform. Credit advisors ("advisors") use it under their own brand to check whether their small-business clients are ready to apply for business credit or funding. If you are a business owner, you will usually reach Trigganator through your advisor's branded portal, and your advisor decides which businesses are added.
Trigganator is not a lender and not a credit repair service. Lenders make their own decisions. Nothing here is a promise of approval or funding.
What we collect
From advisors
- Name, business name and email address, used to run the account.
- Branding you upload, such as a logo and colors, used to style your portal.
About a client business
- Legal business name, state of registration, EIN, business address, business phone number, website and business email.
- The owner's name and email address, so they can be invited and sign in with a one-time email link.
- Results of the checks we run: state record status, EIN name match, address type, phone line type and caller ID name, website and domain details, D-U-N-S and industry information.
Credit report
- The credit report PDF the owner chooses to upload, and the items we find in it that lenders look at.
Bank cash flow
- If the owner connects their business bank through Plaid, we read up to 12 months of account balances and deposits once.
- The connection is read-only. We cannot move money and we never see or store bank sign-in passwords.
- The bank connection is removed right after that one-time read. We keep the summarized results for the report.
This website
- This marketing website does not use analytics or advertising trackers.
Why we use it
- To run the readiness checks and produce the PASS / WARN / FAIL report and fix list.
- To let the advisor and the business owner sign in and see that report.
- To send sign-in links and service emails.
- To keep the service secure and working.
We do not sell personal or business data, and we do not use it for advertising.
Who can see it
- The advisor who added the business, and the business owner they invited.
- No other advisor. Each advisor's data is kept separate.
- Our service providers, only as needed to run the checks and the service (listed below).
Service providers we use
| Provider | What for |
|---|---|
| Plaid | The one-time, read-only connection to the business bank account. |
| State-record and EIN lookup service | Checking the business's state registration and that the EIN matches the legal name. |
| Smarty | Checking that an address is a real street address and whether it is commercial or residential. |
| Twilio | Looking up the business phone line type and caller ID name. |
| OVH | Hosting the application and its data. |
| Email provider | Sending one-time sign-in links and service emails. |
How we protect it
- Sensitive data, including EINs, bank results and credit data, is encrypted with AES-256.
- All traffic uses HTTPS.
- Each advisor's data is kept separate from every other advisor's.
- Data is backed up nightly, and backups are encrypted.
How long we keep it
- Credit report files: deleted automatically 30 days after upload.
- Bank connection: removed right after the one-time read.
- Client records and reports: kept until the advisor deletes the client. When a client is deleted, their data is removed from the live system.
- Backups: encrypted backups age out within 30 days, so deleted data also leaves the backups within that time.
Your choices
- Business owners choose whether to upload a credit report and whether to connect a bank.
- To have a business removed, ask your advisor to delete it, or contact us and we will help.
- Advisors can delete any of their clients at any time.
Changes
If we change how we handle data, we will update this page and the date at the top.
Contact
Questions about privacy: sales@trigganator.com