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Upstart

High Risk

Finance

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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