NDA Overview

Purpose of the NDA

The Debt Bomb Analyzer™ Non-Disclosure Agreement serves two purposes. First, it protects you — it commits us to handling your loan documents and portfolio information with strict confidentiality and to deleting your source documents on a defined schedule. Second, it protects our methodology — you agree not to disclose our analysis framework, risk categories, or system outputs for the purpose of building a competing service.

The NDA is executed before document intake begins. No analysis work starts until a signed NDA is on file.

What We Keep Confidential

We treat all of the following as strictly confidential:

• Your loan documents, including promissory notes, deeds of trust, personal guarantees, and all other closing documents you upload
• The entity names, lender names, and portfolio structure you disclose during engagement setup
• The findings, connections, contagion scores, and risk assessments generated from your documents
• Your diagnostic report, Attorney Memorandum, and all supporting matrices
• Any conversations, emails, or Q&A exchanges related to your portfolio
• Any financial information you provide to support Portfolio Q&A calculations

We do not share this information with any third party except the service providers necessary to operate the analysis system (Supabase, Anthropic, Cloudflare), each of which is bound by their own confidentiality obligations.

The 30-Day Source Document Deletion Commitment

This is the core operational commitment in the NDA. Within 30 days of your engagement closing date, we permanently delete:

• All uploaded PDF files from our secure storage
• All extracted text from those PDFs
• All document metadata rows from our database

When deletion is complete, you receive a written confirmation email specifying the date of deletion, the number of files removed, and the storage freed. This email serves as your written evidence of deletion for NDA compliance purposes.

What You Keep Confidential

The NDA is mutual. You agree to keep the following confidential:

• The Debt Bomb Analyzer™ methodology, risk category framework, and analytical approach
• The specific prompts, detection logic, or system architecture, to the extent you become aware of them
• The contents of your engagement report if sharing would disclose our proprietary framework rather than your own portfolio findings

You are explicitly permitted to share your report and findings with your attorneys, accountants, business partners, lenders, and investors as needed to act on the analysis. The NDA does not restrict your use of your own portfolio findings — only the disclosure of our methodology.

Duration

The NDA remains in effect for three years from the date of execution. The source document deletion obligation is fulfilled within 30 days of engagement close. The confidentiality obligations for findings, reports, and methodology continue for the full three-year term.

After three years, your obligation to keep our methodology confidential expires. Your right to use your own portfolio findings is permanent and does not expire.

Exceptions to Confidentiality

Neither party is obligated to keep information confidential if:

• It was already publicly known at the time it was disclosed
• It becomes publicly known through no fault of the receiving party
• It was independently developed without reference to the confidential information
• Disclosure is required by law, court order, or regulatory requirement — in which case the disclosing party will give prompt written notice if legally permitted

Governing Law

The NDA is governed by the laws of the State of Texas. Any dispute arising under the NDA will be resolved in Bexar County, Texas. Both parties consent to jurisdiction there.

Before You Sign

We recommend you review the full NDA with your attorney if you have any questions about your obligations. The document is straightforward and written in plain English, but your counsel should confirm it works for your situation — particularly if your portfolio involves institutional lenders or other parties with their own confidentiality requirements.

Questions before signing? Email [email protected] and we'll respond within one business day.