control
lender authority
The regulated lender sets credit policy, makes final decisions and issues the loan documents and Key Facts Statement.
trust & security
responsible financing is built into the journey.
KredFlow brings together purpose-specific consent, controlled data access, auditable decisions, direct fund flows and clear borrower communications.
platform control framework
control
data minimisation
KredFlow limits information to what is needed for the transaction and keeps sensitive credit data within lender-approved systems where appropriate.
control
explicit consent
Each data request explains its purpose, recipient and duration before the customer chooses to proceed.
control
controlled data handling
Financing data follows lender-approved storage, access and retention controls. Public-site data is limited to standard hosting logs and information users submit.
control
role-based access
Access is limited by job responsibility, protected with strong authentication and recorded for accountability.
control
direct fund flows
The lender pays the approved software vendor directly, and borrower repayments are made to the lender.
control
explainable outcomes
Decision inputs, policy versions and reason codes create a reviewable record of how each case was handled.
control
incident readiness
Documented response and escalation procedures support timely handling of security events and required notifications.
control
vendor isolation
A software vendor receives transaction status needed to complete the sale—not the buyer's sensitive underwriting file.
data journey
collect less. separate responsibilities.
explain
Show what information is needed before requesting it.
consent
Capture a clear, time-stamped and purpose-specific choice.
verify
Use lender-approved sources for business identity, KYC, AML and credit assessment.
limit
Expose only the minimum fields each vendor, operator or service provider needs.
retain responsibly
Follow the lender-approved retention schedule and delete or de-identify when no longer required.
clear accountability
Know who handles your data, your financing and your support.
KredFlow keeps responsibilities visible throughout the journey. Customers can review the relevant privacy terms, lender disclosures, customer-care contacts and escalation routes in one place.