Privacy Policy

TermSheet360 ("we", "us", or "our") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our platform and services.

1. Information we collect

Account information

When you create an account, we collect your name, email address, phone number, company name, job title, and password. This information is necessary to provide and personalize the Service.

Loan and business data

When you use TermSheet360 to generate term sheets, we process the data you enter, including property details, loan amounts, interest rates, borrower information, and lending parameters. This data is stored securely and used solely to provide the Service.

Usage data

We automatically collect information about how you interact with the Service, including pages visited, features used, timestamps, IP addresses, browser type, and device information. This data helps us improve the product and troubleshoot issues.

Cookies

We use essential cookies to maintain your session and remember your preferences. We do not use third-party advertising cookies. You can manage cookie preferences in your browser settings.

2. How we use your information

We use the information we collect to:

• Provide, maintain, and improve the TermSheet360 platform
• Process and generate term sheets based on your inputs
• Authenticate your identity and manage account access
• Send transactional communications (account confirmations, password resets, term sheet notifications)
• Provide customer support and respond to inquiries
• Analyze usage patterns to improve features and user experience
• Comply with legal obligations and enforce our Terms of Service

3. Data sharing

We do not sell, rent, or trade your personal information to third parties. We may share data only in the following circumstances:

• With service providers who assist in operating the platform (hosting, database, email delivery) under strict data protection agreements
• When required by law, regulation, or valid legal process
• To protect the rights, property, or safety of TermSheet360, our users, or the public
• In connection with a merger, acquisition, or sale of assets, with prior notice to affected users

4. Data security

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

• Encryption of data in transit (TLS/SSL) and at rest
• Secure password hashing (bcrypt with 12 salt rounds)
• Role-based access controls and authentication via JWT tokens
• Regular security reviews and monitoring
• Database hosted on SOC 2 compliant infrastructure

While we strive to protect your data, no method of transmission or storage is 100% secure. We cannot guarantee absolute security.

5. Data retention

We retain your account data for as long as your account is active. If you close your account, we will delete your personal data within 30 days, except where retention is required by law or for legitimate business purposes (such as resolving disputes). Generated term sheet data may be retained in anonymized form for analytics.

6. Your rights

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

• Access the personal data we hold about you
• Request correction of inaccurate data
• Request deletion of your data
• Export your data in a portable format
• Withdraw consent for data processing
• Object to certain data processing activities

To exercise any of these rights, contact us at contact@termsheet360.com.

7. Children's privacy

TermSheet360 is a business-to-business platform designed for professional use. We do not knowingly collect data from individuals under the age of 18. If we learn that we have collected data from a minor, we will delete it promptly.

8. Changes to this policy

We may update this Privacy Policy from time to time. We will notify you of material changes via email or through the Service. The "Last updated" date at the top reflects the most recent revision.

9. Contact us

If you have questions or concerns about this Privacy Policy or our data practices, please contact us at contact@termsheet360.com.