Bank statements uploaded to Zeneth UW Suite are processed entirely in real-time memory and are never saved, logged, or stored on any server or database. Once analysis is complete, all document data is permanently discarded.
Zeneth Pro LLC ("Zeneth", "we", "us", "our") operates the Zeneth Underwriting Suite at zeneth-uw.com. For questions about this policy or to exercise your data rights, contact us at contact@zenethpro.com.
We collect the minimum information needed to provide the service. This includes your email address, full name, and encrypted password on registration; usage data such as business name, analysis type, qualification verdict, and score stored in your history; phone number for account recovery and team notifications; and credit transaction records for billing.
We do NOT collect or retain bank account numbers, routing numbers, Social Security numbers, full financial statements, or any personally identifiable information about your clients or the businesses you analyze.
All bank statement PDFs you upload are transmitted directly to Anthropic's AI API for real-time analysis. These documents are never written to any Zeneth database or file storage. Only structured results such as revenue figures, scores, and qualification verdicts are retained in your account history, never the raw statements themselves.
Your data is used strictly to provide the underwriting analysis service, maintain your account and analysis history, process credit purchases, and communicate service updates. We do not sell your data to third parties. We do not use your uploads or analysis results to train AI models.
Analysis reports are retained in your account for 15 days, after which they automatically expire and are deleted. You may request full account deletion at any time by emailing contact@zenethpro.com. We will confirm deletion within 30 days.
All data is encrypted in transit using TLS 1.3 and at rest via Supabase with row-level security policies that ensure you can only access your own data. Passwords are hashed using industry-standard algorithms and are never stored in plain text.
We use essential cookies to keep you logged in and remember your session. We do not use third-party advertising trackers or sell tracking data. Analytics are anonymous and aggregated.
We rely on the following processors to deliver the service: Supabase (authentication and database), Anthropic (AI analysis), Netlify (web hosting), EmailJS (transactional email), Stripe (payment processing where applicable), and Plaid (optional direct bank connection). Each processor operates under its own privacy policy and we only share the minimum data needed for each to perform its function.
You may access, correct, export, or delete your account data at any time. To exercise these rights, email contact@zenethpro.com. We respond to all requests within 30 days. If you believe we have mishandled your data, you may also contact your local data protection authority.
Zeneth UW Suite is a B2B tool intended for licensed professionals. We do not knowingly collect information from anyone under 18 years of age.
We may update this Privacy Policy from time to time. Material changes will be announced via email to registered users at least 14 days before taking effect. Continued use of the platform after the effective date constitutes acceptance of the updated policy.
Zeneth Pro LLC
2879 Paynes Prairie Circle, Kissimmee, FL 34743
contact@zenethpro.com
All analysis outputs are AI-generated for preliminary screening purposes only. They are not a formal underwriting decision or lending commitment and must be verified by a qualified financial professional before any funding decision.
By accessing or using Zeneth UW Suite ("the Platform"), you agree to be bound by these Terms of Use and the Privacy Policy. If you do not agree, do not use the Platform. These terms form a binding legal agreement between you and Zeneth Pro LLC.
All analysis outputs are AI-generated for preliminary screening purposes only. They do not constitute a formal underwriting decision, lending commitment, or guarantee of funding. AI-generated outputs may contain errors, omissions, or inaccuracies. All results must be independently verified by a qualified financial professional before any funding decision is made. Zeneth Pro LLC expressly disclaims all liability for any losses, damages, or adverse outcomes arising from reliance on these outputs.
The Platform is licensed for internal use by licensed brokers, ISO shops, underwriting professionals, and other authorized commercial financing entities. You may not resell or sublicense access, use outputs for regulatory reporting without independent verification, upload fraudulent or manipulated documents, attempt to reverse-engineer the Platform, or use the service for any unlawful purpose.
You are responsible for maintaining the confidentiality of your login credentials and for all activity that occurs under your account. Notify us immediately at contact@zenethpro.com if you suspect any unauthorized access. We are not liable for losses resulting from unauthorized access caused by your failure to safeguard your credentials.
Access to paid features is governed by a credit system. Credits are non-refundable once consumed. Unused credits do not expire but are tied to your account and are not transferable between accounts. Zeneth reserves the right to adjust credit pricing with at least 30 days advance notice, which will be sent to the email on file.
You retain ownership of all data you upload to the Platform. We do not claim any rights to your client information, bank statements, or analysis outputs beyond the limited license needed to provide the service to you. We do not use your client data to train AI models.
We aim for high uptime but do not guarantee uninterrupted service. Scheduled maintenance windows will be communicated when feasible. We are not liable for temporary outages, delays, or data unavailability caused by third-party infrastructure providers or force majeure events.
You may not use the Platform to analyze statements you are not authorized to review, upload documents containing child exploitation material or other illegal content, attempt to circumvent security measures or rate limits, scrape or programmatically harvest data from the Platform, or impersonate another person or entity.
To the maximum extent permitted by law, Zeneth Pro LLC's total aggregate liability arising out of or related to your use of the Platform shall not exceed the amount you paid us in the three months preceding any claim. We are not liable for indirect, incidental, special, consequential, or punitive damages, including lost profits, lost business, or lost data, even if advised of the possibility of such damages.
You agree to indemnify and hold harmless Zeneth Pro LLC, its officers, employees, and affiliates from any claims, damages, or expenses arising from your use of the Platform, your violation of these terms, or your violation of any third-party rights.
We reserve the right to suspend or terminate your account at any time for violation of these terms, suspected fraudulent activity, or at our reasonable discretion. Upon termination, your access to the Platform ends immediately. Provisions relating to ownership, liability, and dispute resolution survive termination.
These terms are governed by the laws of the State of Florida, without regard to conflict of law principles. Any disputes arising out of or related to these terms or the Platform shall be resolved in the state or federal courts located in Osceola County, Florida, and you consent to the exclusive jurisdiction of those courts.
We may update these Terms of Use from time to time. Material changes will be announced via email to registered users at least 14 days before taking effect. Continued use of the Platform after the effective date constitutes acceptance of the updated terms. If you do not agree to updated terms, you must stop using the Platform.
These Terms of Use, together with the Privacy Policy, constitute the entire agreement between you and Zeneth Pro LLC regarding the Platform and supersede any prior agreements. If any provision is held unenforceable, the remaining provisions remain in full effect.
Questions about these terms or the Platform? Reach us at contact@zenethpro.com or by mail at Zeneth Pro LLC, 2879 Paynes Prairie Circle, Kissimmee, FL 34743.