Trust

Security & refund policy

What we do with data and what we don't, how payments work, and how to get your money back if BankingLens isn't right for you.

Data handling

We deliberately handle as little of your data as possible. The product is built on public-domain bank data, so the only customer information we ever touch is what's strictly required to deliver the service:

No PII storage. We don't collect names, addresses, phone numbers, or any other personal identifying information beyond your email.
No credit-card storage. All payment data is handled by Stripe. Your card number, CVC, and expiry never touch our servers. We see only a customer ID and last 4 for receipt purposes.
No scraping or alternative data. The only data source is the FFIEC's public call reports. We don't pull from bank websites, news, social media, or third-party data feeds.
No third-party data brokers. We don't buy or sell customer data, and we don't enrich user profiles via marketing data providers.
No ad tracking. There are no third-party ad pixels, no retargeting cookies, no behavioral analytics tied to identifiable users.

Account security

Magic-link sign-in. No password. You receive a one-time sign-in link by email; clicking it logs you in. Nothing to leak if a password database is breached, because there isn't one.
Session-local Pro state. Pro features like saved searches, notes, and the watchlist are stored in your browser's localStorage — not on our servers. That means clearing your browser data clears your saved searches; it also means we never see them.
Account deletion on request. Email us and we'll close your account and remove your email from our records within 7 business days. Stripe holds payment records per their own retention policy (required for tax / chargeback compliance).

Compliance posture

We try to be precise about what BankingLens is and isn't, because casual misuse of a product like this could matter:

What we are NOT

Not a credit reporting agency
Not a financial advisor
Not a credit-decisioning service
Not a regulatory examination tool
Not a substitute for due diligence

What we ARE

A research & analytics product
Built on public-domain FFIEC data
Peer-benchmark dashboards for bankers
Lender-match analytics for borrowers
A tool to save you research time

If you're using BankingLens to inform a credit decision, an investment thesis, or a regulatory filing, the call-report data underlying BankingLens is the same data your auditor or regulator would expect you to verify against the FFIEC's official source. We make that easy by linking to UBPR reconciliation status on every bank scorecard. Full disclaimer →

Refund policy

Two products, two policies. Both are intentionally generous:

Borrower Assist ($49 one-time)

7 days, full refund

Full refund within 7 days of purchase if the report fails to generate, contains obvious data errors, or doesn't match what you bought. Email hello@bankinglens.com with your order number and we'll process it within 1 business day. We can't refund based on bank-decision outcomes ("the banks didn't lend") because we don't promise approval — we surface likely-fit lenders.

Bank Peer Intel ($29 Starter / $99 Pro)

30 days prorated

Prorated refund within 30 days of subscribing, no questions asked. After 30 days, you can cancel anytime — access continues through the end of the current billing period, then stops; no further charges. Email hello@bankinglens.com or cancel via the Stripe billing portal linked from your account page.

Contact

Email: hello@bankinglens.com
Response time: Within 1 business day, Monday-Friday (US business hours)
Operating entity: Data Clarity LLC
Address: Available on request — email us for vendor onboarding or legal correspondence.
Security disclosure: If you discover a security issue, email us directly. We acknowledge within 1 business day and triage promptly. No bounty program at this stage, but we appreciate responsible disclosure.

See also: Privacy Policy · Terms of Service · Disclaimer