1. Description of Services

BCI provides a credit intelligence platform designed to help businesses evaluate the financial reliability of their partners.

• BCI Score: We provide a three-digit score ranging from 300 to 900 that indicates creditworthiness.
• Customer Risk Analysis: We analyze purchasing power, repayment behavior, and transaction trends.
• Monitoring & Alerts: Users can receive notifications regarding changes in a customer’s BCI score.
• Evaluation Tools: The platform allows for the assessment of both new and existing business partners before extending credit.
• Insights Dashboard: Access is provided to a dashboard featuring reports and actionable decision-making history.

2. User Eligibility and Responsibilities

Access to BCI is intended for professional use by specific business entities and roles.

• Authorized Users: Platform users include business owners, suppliers, distributors, credit managers, and financial teams.
• Informed Decision Making: While BCI provides data-driven insights and an early warning system, users are responsible for making their own final credit decisions.
• Account Security: Users must sign up to gain access to the intuitive dashboard and monitor their customer base.

3. The BCI Scoring System

The BCI Score is calculated using advanced algorithms that evaluate various business behaviors.

• Risk Categories:
  • 100–399 (High Risk): Customers who may pose a threat to cash flow.
  • 400–699 (Moderate Risk): Customers requiring careful evaluation.
  • 700–900 (Low Risk): Customers demonstrating strong financial responsibility.
• Calculation Factors: The score is determined by analyzing repayment history, purchasing volume, overall financial stability, and industry trends.

4. Pricing and Subscriptions

BCI offers tiered plans to meet various business sizes and needs.

• Starter Plan: Basic score access and limited checks for small businesses.
• Professional Plan: Full analysis, monitoring alerts, and reporting for growing businesses.
• Enterprise Plan: Unlimited checks, advanced analytics, and custom integrations for large organizations.
• Payment: Pricing for Starter and Professional plans requires contacting sales, while Enterprise plans utilize custom pricing.

5. Data Privacy and Confidentiality

• Security Standards: BCI follows strict data protection and confidentiality standards.
• Data Purpose: Information such as payment history and business stability is collected solely to provide creditworthiness insights and reduce bad debts.

6. Limitation of Liability

• Business Success: BCI is a tool to help identify risky customers; it does not guarantee business success or the total absence of unpaid dues.
• Financial Health: The service acts as an early warning system, but the user remains responsible for their business’s financial health and long-term partnerships.