Trust Center - Bloom Credit
Bloom Credit
Bloom Credit helps companies launch lending products, report consumers' payments, and create innovative credit experiences. We do this by providing our clients with the data they need from all three credit bureaus, the expertise they are looking for to launch seamlessly, and the proprietary analytics to supplement credit insights - all delivered through Bloom’s developer-friendly API.
Controls
Updated 2 minutes ago
Infrastructure security
| Control | Status |
|---|---|
| Unique production database authentication enforced The company requires authentication to production datastores to use authorized secure authentication mechanisms, such as unique SSH key. |
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| Encryption key access restricted The company restricts privileged access to encryption keys to authorized users with a business need. |
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| Unique account authentication enforced The company requires authentication to systems and applications to use unique username and password or authorized Secure Socket Shell (SSH) keys. |
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| Production application access restricted System access restricted to authorized access only |
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| Access control procedures established The company's access control policy documents the requirements for the following access control functions: - adding new users; - modifying users; and/or - removing an existing user's access. |
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| Production database access restricted The company restricts privileged access to databases to authorized users with a business need. |
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| Firewall access restricted The company restricts privileged access to the firewall to authorized users with a business need. |
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| Production OS access restricted The company restricts privileged access to the operating system to authorized users with a business need. |
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| Production network access restricted The company restricts privileged access to the production network to authorized users with a business need. |
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| Access revoked upon termination The company completes termination checklists to ensure that access is revoked for terminated employees within SLAs. |
Organizational security
| Control | Status |
|---|---|
| Asset disposal procedures utilized The company has electronic media containing confidential information purged or destroyed in accordance with best practices, and certificates of destruction are issued for each device destroyed. |
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| Production inventory maintained The company maintains a formal inventory of production system assets. |
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| Portable media encrypted The company encrypts portable and removable media devices when used. |
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| Anti-malware technology utilized The company deploys anti-malware technology to environments commonly susceptible to malicious attacks and configures this to be updated routinely, logged, and installed on all relevant systems. |
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| Password policy enforced The company requires passwords for in-scope system components to be configured according to the company's policy. |
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| MDM system utilized The company has a mobile device management (MDM) system in place to centrally manage mobile devices supporting the service. |
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| Security awareness training implemented The company requires employees to complete security awareness training within thirty days of hire and at least annually thereafter. |
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| Employee background checks performed The company performs background checks on new employees. |
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| Confidentiality Agreement acknowledged by contractors The company requires contractors to sign a confidentiality agreement at the time of engagement. |
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| Confidentiality Agreement acknowledged by employees The company requires employees to sign a confidentiality agreement during onboarding. |
Product security
| Control | Status |
|---|---|
| Data encryption utilized The company's datastores housing sensitive customer data are encrypted at rest. |
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| Control self-assessments conducted The company performs control self-assessments at least annually to gain assurance that controls are in place and operating effectively. Corrective actions are taken based on relevant findings. If the company has committed to an SLA for a finding, the corrective action is completed within that SLA. |
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| Penetration testing performed The company's penetration testing is performed at least annually. A remediation plan is developed and changes are implemented to remediate vulnerabilities in accordance with SLAs. |
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| Vulnerability and system monitoring procedures established The company's formal policies outline the requirements for the following functions related to IT / Engineering: - vulnerability management; - system monitoring. |
Internal security procedures
| Control | Status |
|---|---|
| Continuity and Disaster Recovery plans established The company has Business Continuity and Disaster Recovery Plans in place that outline communication plans in order to maintain information security continuity in the event of the unavailability of key personnel. |
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| Continuity and Disaster Recovery plans tested The company has a documented Business Continuity/Disaster Recovery (BC/DR) plan and tests it at least annually. |
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| Cybersecurity insurance maintained The company maintains cybersecurity insurance to mitigate the financial impact of business disruptions. |
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| Configuration management system established The company has a configuration management procedure in place to ensure that system configurations are deployed consistently throughout the environment. |
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| Change management procedures enforced The company requires changes to software and infrastructure components of the service to be authorized, formally documented, tested, reviewed, and approved prior to being implemented in the production environment. |
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| Production deployment access restricted The company restricts access to migrate changes to production to authorized personnel. |
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| Development lifecycle established The company has a formal systems development life cycle (SDLC) methodology in place that governs the development, acquisition, implementation, changes (including emergency changes), and maintenance of information systems and related technology requirements. |
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| SOC 2 - System Description Complete a description of your system for Section III of the audit report |
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| Whistleblower policy established The company has established a formalized whistleblower policy, and an anonymous communication channel is in place for users to report potential issues or fraud concerns. |
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| Board charter documented The company's board of directors has a documented charter that outlines its oversight responsibilities for internal control. |
Data and privacy
| Control | Status |
|---|---|
| Data retention procedures established The company has formal retention and disposal procedures in place to guide the secure retention and disposal of company and customer data. |
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| Customer data deleted upon leaving The company purges or removes customer data containing confidential information from the application environment, in accordance with best practices, when customers leave the service. |
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| Data classification policy established The company has a data classification policy in place to help ensure that confidential data is properly secured and restricted to authorized personnel. |
Vanta connects to a company's core systems to continuously monitor these controls.