LoanBot LLC Security Policy

Effective Date: November 10, 2025

Version: 1.0
Owner: Security Team, LoanBot.com
Contact: info@loanbot.com

1. Purpose

This Security Policy establishes the framework to protect the confidentiality, integrity, and availability of LoanBot.com’s information systems, customer data (including sensitive financial and personal information), and digital assets against unauthorized access, disclosure, alteration, or destruction.

2. Scope

This policy applies to:
  • All employees, contractors, vendors, and third parties with access to LoanBot.com systems.
  • All infrastructure, applications, data, and services hosted at or accessible via loanbot.com.
  • All devices (company-owned or BYOD) that connect to the platform.

3. Information Classification

Level Description Examples
Public No harm if disclosed Marketing materials, public blog posts
Internal Limited internal disclosure Employee handbooks, internal wikis
Confidential Serious harm if disclosed Customer PII, mortgage documents, financial data
Restricted Catastrophic harm if disclosed API keys, encryption keys, admin credentials

4. Access Control

  • Principle of Least Privilege: Users get minimum access needed to perform their job.
  • Multi-Factor Authentication (MFA): Mandatory for all admin and developer accounts accessing sensitive data.
  • Role-Based Access Control (RBAC):
    • Customers: View/upload own documents only.
    • Support Staff: Read-only access to assigned tickets.
    • Admins: Full system access with audit logging.
  • Password Policy:
    • Minimum 12 characters, mix of upper/lower, numbers, symbols.

5. Data Protection

5.1 Encryption
  • In Transit: TLS 1.3 enforced (HSTS enabled, redirect HTTP → HTTPS).
  • At Rest:
    • Customer documents: AES-256 encrypted (customer-specific keys).
    • Database: Full-disk encryption (LUKS/FDE).
    • Backups: Encrypted with rotating keys.
5.2 Data Handling
  • PII Minimization: Collect only data required for mortgage review.

6. Network Security

  • Web Application Firewall (WAF): Cloudflare/AWS WAF with OWASP Top 10 ruleset.
  • DDoS Protection: Cloudflare Rate Limiting.
  • Zero Trust Architecture:
    • All internal traffic via VPC with security groups.
    • No direct inbound access to databases.

7. Vulnerability Management

  • Automated Scanning:
    • Daily
  • Patch Management:
    • Critical patches: < 48 hours.
    • OS/Libraries: < 7 days.

8. Incident Response

8.1 Detection
  • monitoring logs from all systems.
8.2 Response Phases
Phase Actions
Identification Alert triage within 15 mins
Containment Isolate affected systems, revoke credentials
Eradication Remove malware, patch vulnerabilities
Recovery Restore from clean backups, monitor
Lessons Learned Post-incident report within 72 hours
8.3 Breach Notification
  • Regulators: Within 72 hours
  • Affected customers: Within 7 days with remediation steps.

9. Secure Development Lifecycle (SDLC)

  • Code Reviews: Mandatory peer review + security sign-off.
  • Dependency Checks: Daily scans, auto-block high-risk CVEs.
  • Environment Separation:
    • Dev → Staging → Production (immutable infrastructure).
    • Production credentials never in code.

10. Third-Party Risk

  • Vendor Assessments: Annual security questionnaires.

11. Compliance

  • CCPA/CPRA (California users)

12. Policy Enforcement

  • Violations: Immediate suspension + investigation.
  • Audits: Quarterly internal audits, annual external.
  • Review: Policy updated annually or after major incidents.

13. Contact & Reporting

  • Security Issues: info@loanbot.com
  • Responsible Disclosure: 90-day window before public disclosure.

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