Upstart
High RiskFinance
AI lending platform that uses machine learning to assess creditworthiness beyond traditional scores.
7
Risk Score
(1-10 scale)
Data Handling
Storage Location
US servers
Retention Policy
Loan lifetime plus regulatory period
Training on User Data
On lending data
Risk Factors
- ⚠Non-traditional data used in credit decisions
- ⚠Regulatory scrutiny on AI lending models
- ⚠Consumer data retained for extended periods
Security Recommendations
- ✓Monitor for fair lending compliance
- ✓Review non-traditional data usage policies
- ✓Implement adverse action notice procedures
Compliance
SOC 2✓
GDPR✗
HIPAA✗
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