Privacy policy

Last updated: September 4, 2025

Entity: B2 Systems, Inc., a Delaware C-Corporation (“B2 Systems,” “Company,” “we,” “our,” or “us”).

This Privacy Policy explains how we collect, use, share, and protect personal information when you access or use the B2 Systems platform and related services (the “Platform”). By using the Platform, you consent to the practices described herein.

1. Information We Collect

1.1 User Information

We collect information that Users provide directly, including:

a. Contact details (name, email, phone number, business information).
b. Subscription and billing information (payment method, billing address).
c. Compliance documentation (e.g., W-9, 1099, KYC/AML forms).

1.2 Deal and Client Information

Users may submit client or merchant information for funding purposes, including:

a. Bank statements, financial records, or underwriting documents.
b. Business performance and deposit histories.
c. Sensitive personally identifiable information (PII) related to clients.

1.3 Technical Information

We collect technical and usage data, including:

a. IP address, device identifiers, and browser type.
b. Platform usage activity, log data, and session information.
c. Cookies, tracking technologies, and similar identifiers.

1.4 Third-Party Sources

We may receive information about you from third-party providers, funders, brokers, or payment processors to support Platform functionality.

2. How We Use Information

2.1 Service Provision

We use collected information to:

a. Operate and maintain the Platform.
b. Facilitate deal submissions, underwriting, payouts, and commissions.
c. Verify identity, perform compliance checks, and manage subscriptions.

2.2 Communication

We may use contact details to:

a. Send account updates, service announcements, and legal notices.
b. Provide customer support or respond to inquiries.
c. Deliver marketing or promotional content (with opt-out options).

2.3 Compliance and Risk Management

We process information to:

a. Prevent fraud, unauthorized use, or abuse of the Platform.
b. Satisfy regulatory obligations, including tax, AML, and KYC requirements.
c. Enforce our Terms of Service.

2.4 Improvements

We analyze usage data to improve functionality, enhance security, and develop new features.

3. How We Share Information

3.1 With Funders and Brokers

Client and deal information may be shared between brokers and funders to facilitate financing opportunities.

3.2 With Service Providers

We may share information with trusted vendors, including payment processors, cloud hosting providers, data security firms, and analytics partners, strictly to support Platform operations.

3.3 Legal Obligations

We may disclose information if required by law, regulation, subpoena, or government request.

3.4 Business Transactions

In the event of a merger, acquisition, reorganization, or sale of assets, your information may be transferred as part of the transaction.

3.5 With Consent

We may share information with third parties when you give explicit consent.

4. Data Security

4.1 Controls

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

4.2 Data Breach

In the event of a security breach affecting personal information, we will take reasonable steps to investigate, mitigate harm, and notify affected parties in accordance with applicable law.

5. Data Retention

5.1 Retention Period

We retain information for as long as necessary to fulfill the purposes outlined in this Policy, comply with legal obligations, resolve disputes, and enforce agreements.

5.2 Deletion Requests

Users may request deletion of personal data, subject to limitations imposed by law, contractual obligations, or legitimate business needs.

6. User Rights

6.1 Access and Correction

You may request access to, or correction of, your personal information stored by the Company.

6.2 Data Portability

Where applicable, you may request a copy of your information in a portable format.

6.3 Opt-Outs

You may opt out of receiving promotional communications, though we may still send essential service-related notices.

6.4 Limitations

Certain rights may be restricted where disclosure would conflict with legal or regulatory obligations.

7. International Data Transfers

7.1 Cross-Border Processing

Information may be transferred, stored, and processed outside your country of residence, including in the United States, subject to applicable legal protections.

7.2 Safeguards

We use contractual, technical, and organizational safeguards to protect information transferred internationally.

8. Children’s Privacy

8.1 Age Restriction

The Platform is not directed to individuals under the age of 18. We do not knowingly collect personal information from minors.

8.2 Parental Notification

If we learn that we have inadvertently collected information from a minor, we will delete it promptly.

9. Changes to This Policy

9.1 Modifications

We may update this Privacy Policy at any time. Updates will be effective upon posting.

9.2 Notification

We will provide notice of material changes through the Platform or by direct communication.

10. Contact Information

10.1 Privacy Inquiries

For questions or concerns about this Privacy Policy, please contact us at: support@b2systems.io