Privacy Policy

Last updated: March 28, 2026

Introduction

Before You Factor ("we," "us," "our," or "Site") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website at beforeyoufactor.com.

1. Information We Collect

We collect information from you in the following ways:

• Email Addresses: We collect email addresses on an optional basis if you choose to subscribe to our newsletter or contact us through our forms.
• Factoring Company Information: When you submit contract analysis requests, we collect the name of the factoring company and the contract date.
• Uploaded Contract Documents: If you choose to upload your factoring contract for analysis, we collect and securely store the full contract document.
• Experience and Review Text: If you choose to share your experience with a factoring company, we collect any text you provide.
• Usage Data: We use Cloudflare Web Analytics to understand how visitors use our Site. Cloudflare does not use cookies for tracking and does not collect personal identifying information.

2. How We Use Your Information

We use the information we collect for the following purposes:

• To analyze and compare factoring company terms and conditions
• To create anonymized, aggregate data for our comparison tools and blog
• To send newsletter updates and educational content (only if you have subscribed)
• To improve the Site's functionality and user experience
• To respond to your inquiries and provide customer support

3. How We Handle Uploaded Contracts

Your uploaded contracts are handled with the utmost care and privacy:

• Private Review: Contracts are reviewed privately by our authorized team members only.
• Identifying Information Removal: Before any analysis is published, we strip personal identifying information including names, addresses, Social Security Numbers, Tax IDs, driver's license numbers, and DOT numbers.
• No Full Contract Publication: We NEVER publish full contracts or identifiable excerpts on our Site.
• Anonymized Data Only: Only anonymized, aggregated data points appear on the Site for comparison purposes.
• Secure Storage: Contracts are stored securely with access limited to authorized personnel only.

4. What We Don't Do

• We do NOT sell your data to anyone.
• We do NOT share your information with factoring companies or any third parties (except as required by law).
• We do NOT use cookies for tracking or advertising purposes.
• We do NOT serve ads on our Site.

5. Third-Party Services

We use the following third-party services, each with their own privacy policies:

• Cloudflare: For website hosting, security, and analytics (without cookies)
• Formspree: For processing form submissions and contacts
• Beehiiv: For managing our email newsletter

We encourage you to review their respective privacy policies to understand how they handle your data.

6. Data Retention

• Contract Files: Retained for analysis and comparison purposes.
• Email Addresses: Retained until you unsubscribe from our newsletter.
• Other Information: Retained as necessary to provide our services.

You can request deletion of your personal data at any time by emailing us.

7. Your Rights

You have the right to:

• Request access to your personal data
• Request correction of inaccurate information
• Request deletion of your personal data
• Opt out of marketing communications

To exercise any of these rights, please contact us at the email address below.

8. Children's Privacy

Before You Factor is not intended for children under the age of 13. We do not knowingly collect personal information from children under 13. If we become aware that we have collected information from a child under 13, we will delete such information immediately.

9. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or for other operational, legal, or regulatory reasons. Any changes will be posted on this page, and the "Last updated" date will be revised accordingly. Your continued use of the Site following any changes constitutes your acceptance of the updated Privacy Policy.

10. Contact Us