Scoreby Rate Tracker

SCORE™ PRIVACY POLICY

Version 1.0
Effective Date: September 3, 2026

1. Introduction

Rate Tracker Payments LLC ("Rate Tracker," "Score," "we," "our," or "us") respects your privacy and is committed to protecting the personal and business information entrusted to us.

This Privacy Policy explains how we collect, use, disclose, store, and protect information when you access or use the Score™ platform, our websites, applications, APIs, and related services (collectively, the "Services").

By using the Services, you acknowledge that you have read and understand this Privacy Policy.

2. Information We Collect

We may collect information directly from you, automatically through your use of the Services, from financial institutions and service providers you authorize, and from other lawful sources.

A. Account Information

Examples include:

  • Name
  • Business name
  • Email address
  • Telephone number
  • Mailing address
  • Username
  • Password (stored using secure hashing)
  • Job title
  • Company role

B. Business Information

Examples include:

  • Legal business name
  • DBA
  • EIN (if provided)
  • Industry
  • NAICS/SIC codes
  • Years in business
  • Ownership information
  • Business locations
  • Website
  • Merchant processing information

C. Financial Information

If you choose to provide or connect financial information, we may process:

  • Bank statements
  • Transaction history
  • Deposit history
  • Withdrawal history
  • Cash flow information
  • Revenue information
  • Expense information
  • Balance information
  • Loan information
  • Payment processing information
  • Accounting records
  • Tax-related financial documents
  • Financial ratios
  • Supporting documentation

D. Device and Usage Information

We automatically collect certain technical information, including:

  • IP address
  • Browser type
  • Operating system
  • Device identifiers
  • Session information
  • Login history
  • Pages viewed
  • Features used
  • Clickstream data
  • Error logs
  • Performance metrics

E. Cookies and Similar Technologies

We use cookies and similar technologies to:

  • Authenticate users
  • Maintain sessions
  • Remember preferences
  • Improve performance
  • Analyze usage
  • Detect fraud
  • Enhance security

You may control certain cookie settings through your browser, although disabling some cookies may affect functionality.

3. How We Use Information

We use information to:

  • Provide the Services
  • Authenticate users
  • Maintain accounts
  • Analyze financial information
  • Generate Financial Health Scores
  • Produce reports and dashboards
  • Improve algorithms
  • Improve artificial intelligence models
  • Improve machine learning systems
  • Detect fraud
  • Prevent abuse
  • Provide customer support
  • Respond to inquiries
  • Send administrative communications
  • Improve product performance
  • Conduct analytics
  • Develop new features
  • Comply with legal obligations
  • Enforce our agreements
  • Protect the security of our Services

We may also use de-identified or aggregated information for benchmarking, research, product development, and business analytics.

4. AI and Automated Analysis

Score uses automated technologies, including statistical models, artificial intelligence, and machine learning, to assist in analyzing financial information and generating insights.

Automated outputs are designed to support business decision-making but should not be relied upon as the sole basis for financial, legal, accounting, tax, or lending decisions.

Automated outputs may change as our systems evolve and improve.

5. Financial Health Score

The Financial Health Score is a proprietary analytical output generated using multiple data sources and methodologies.

The Financial Health Score:

  • is not a credit score;
  • is not issued by a credit bureau;
  • is not a guarantee of financing;
  • is not legal, accounting, tax, or investment advice; and
  • may change as additional information becomes available or our methodologies evolve.

6. Information Sharing

We do not sell your personal information for monetary consideration.

We may share information in the following circumstances:

Service Providers

We may share information with vendors that assist us in:

  • cloud hosting;
  • payment processing;
  • authentication;
  • customer support;
  • data storage;
  • analytics;
  • communications;
  • infrastructure management; and
  • security monitoring.

These providers are contractually required to protect the information they process on our behalf.

Financial Partners

If you request financing, merchant services, or other financial products through Score, we may share relevant information with participating financial institutions or partners as necessary to evaluate your request.

Legal Requirements

We may disclose information when we reasonably believe disclosure is necessary to:

  • comply with applicable law;
  • respond to lawful requests from government authorities;
  • protect our rights or property;
  • investigate fraud;
  • enforce our agreements; or
  • protect the safety of users or others.

Corporate Transactions

If Rate Tracker is involved in a merger, acquisition, financing, asset sale, reorganization, or similar transaction, information covered by this Privacy Policy may be transferred as part of that transaction, subject to applicable law.

7. Data Security

We maintain administrative, technical, and physical safeguards designed to protect information against unauthorized access, disclosure, alteration, or destruction.

These measures may include:

  • encryption in transit;
  • encryption at rest where appropriate;
  • access controls;
  • multi-factor authentication for administrative systems where appropriate;
  • logging and monitoring;
  • vulnerability management;
  • employee security training; and
  • vendor risk management.

No method of transmission or storage is completely secure, and we cannot guarantee absolute security.

8. Data Retention

We retain information for as long as reasonably necessary to:

  • provide the Services;
  • comply with legal obligations;
  • resolve disputes;
  • enforce agreements;
  • maintain appropriate business records; and
  • improve our products.

Retention periods may vary depending on the type of information and applicable legal requirements.

9. Your Choices

Subject to applicable law, you may have the ability to:

  • access certain account information;
  • update inaccurate information;
  • request deletion of certain information;
  • close your account;
  • opt out of non-essential marketing communications; and
  • manage certain cookie preferences.

Certain information may be retained where required by law or for legitimate business purposes.

10. Children's Privacy

The Services are intended for businesses and individuals who are at least eighteen (18) years of age.

We do not knowingly collect personal information from children under the age of 13.

11. International Users

If you access the Services from outside the United States, your information may be transferred to and processed in the United States or other jurisdictions where our service providers operate.

By using the Services, you acknowledge that such transfers may occur in accordance with applicable law.

12. Third-Party Services

The Services may integrate with third-party providers, including financial institutions, accounting platforms, payment processors, and other technology providers.

This Privacy Policy does not apply to the privacy practices of those third parties. We encourage you to review their respective privacy policies.

13. Marketing Communications

We may send service-related communications that are necessary to administer your account.

Where permitted by law, we may also send information about new features, products, educational resources, and promotional opportunities.

You may opt out of promotional communications by following the unsubscribe instructions included in those communications. Transactional and account-related messages may still be sent.

14. Changes to This Policy

We may update this Privacy Policy from time to time.

Material changes will be communicated through reasonable means, such as posting an updated version within the Services or providing notice by email or through your account.

The "Last Updated" date will indicate when revisions became effective.

15. Contact Us

If you have questions regarding this Privacy Policy or our privacy practices, please contact:

Rate Tracker Payments LLC
Partner Success Team
7100 E. Pleasant Valley Road Independence, OH 44131
Support@getscore.io
(440) 829-6062

16. Supplemental Rights

Depending on your location and applicable law, you may have additional rights regarding your personal information, such as the right to request access, correction, deletion, portability, or information about how your personal information is processed.

We will respond to qualifying requests in accordance with applicable law and may take reasonable steps to verify your identity before fulfilling a request.

17. Effective Date

This Privacy Policy is effective as of the Effective Date listed above and remains in effect until replaced by a revised version.