Privacy Policy

Your privacy matters. This policy explains what data we collect, how we use it, and your rights.

1. Data We Collect

We collect: your name, email, phone number, payment information (via Stripe), case submissions, proof documents, birthday (for internal administrative profiling), and platform activity. Birthday is used solely for internal member intelligence and personalization—never for funding eligibility decisions.

2. How We Use AI

BTF uses AI internally for case pre-screening assistance, outreach timing optimization, compliance monitoring, and platform analytics. AI does not make final funding decisions—humans do. AI-based profiling exists for platform personalization only, not for determining who receives funding.

3. Data Sharing

We share data with: Stripe (payments), Twilio (SMS), Resend (email), and Sentry (error tracking). We never sell your data. We may disclose data if required by law or to protect platform integrity.

4. Your Rights (CCPA)

California residents have the right to: know what data we collect, request deletion (with exceptions for legal/audit retention), opt out of data sales (we don't sell data), and non-discrimination for exercising these rights.

5. Data Retention

We retain member data while your account is active and for 7 years after cancellation for audit and compliance purposes. See our Data Retention Notice for details.

6. Cancellation Data and Exit Survey Responses

BTF may collect and store cancellation reasons and related account-offboarding data, including responses that may indicate financial hardship or other personal circumstances, for internal analytics, product improvement, customer support, and retention outreach. BTF may retain such data for as long as reasonably necessary for those purposes, unless a longer retention period is required by law or needed to resolve disputes, prevent fraud, or maintain compliance records. BTF may use this information to send personalized follow-up communications, including courtesy resubscription outreach, subject to applicable law and any required opt-out rights. BTF does not sell exit-survey responses.

7. Contact

Privacy questions? Email legal@theblacktrustfund.com.