Documentation

Platform Documentation &
User Guide

The Score Machine Platform user guide for platform capabilities, requirements, and policies.

1. Introduction to the Platform

The Score Machine platform is an AI-powered credit analysis system designed to assist individuals, consultants, and financial professionals in reviewing and interpreting credit data. The platform provides structured insights and informational outputs based on user-provided data and third-party credit report integrations.

1.1 Core Components of the Platform

Data Ingestion Engine

Processes and structures incoming credit data from integrated providers and user inputs.

Forensic Analysis Engine

Evaluates credit data across structured categories and generates informational indicators.

Reporting Dashboard

Provides visual summaries, timelines, and organized reporting metrics.

AI Advisor Module

Assists users with insights, summaries, and general interpretations of credit data.

2. System Requirements and Access

2.1 Access Requirements

Minimum system and internet requirements must be met to ensure proper platform performance and functionality.

  • Supported Browsers: Modern browsers such as Chrome, Safari, and Firefox
  • Device Use: Desktop or mobile devices with updated operating systems
  • Connectivity: Stable internet connection required for data processing and report generation

2.2 Account Security and Responsibility

Confidentiality

Users are responsible for maintaining the confidentiality of their account credentials and access.

Liability

All actions performed under a user account are the responsibility of the account holder.

3. Data Authorization and Retrieval Process

3.1 Required User Authorization

Users must provide authorization for the platform to access and process credit data from third-party sources.

  • Authorization is obtained through secure integrations and user-provided credentials.
  • Users confirm they have the legal right to access and use the provided data.

3.2 Data Sources (Third-Party Data Providers)

The platform integrates with third-party providers to retrieve credit report data.

4. Understanding Derivative Outputs and Limitations

4.1 Nature of Derivative Outputs

All outputs generated by the platform are informational and derived from available credit data.

Credit Insights

Structured summaries and indicators based on report data.

Derived Metrics

Calculated values and trends based on reported credit information.

4.2 Crucial Disclaimer: Informational Tool Only

The platform does not make lending decisions or guarantee approvals.

Key considerations include:

  • Data accuracy depends on source providers
  • Results may vary based on interpretation
  • No guarantees of outcomes or improvements

5. Compliance and Prohibited Activities

5.1 Legal Compliance

Users must comply with all applicable laws and regulations when using the platform.

5.2 Prohibited Technical Conduct (Section 13.4)

Reverse Engineering

Attempting to analyze or replicate platform systems

System Interference

Disrupting or compromising platform operations

Data Scraping

Unauthorized extraction of platform or user data

Unauthorized Use

Accessing the platform beyond permitted scope

5.3 Consequences of Breach

Violations may result in account suspension or termination and possible legal action.

6. Support and Maintenance

6.1 Service Availability and Evolution

The platform is continuously updated to improve performance, features, and reliability.

6.2 User Cooperation

Users are expected to:

  • Maintain accurate account information
  • Use the platform responsibly
  • Comply with system guidelines

7. Account Management and Termination

7.1 Subscription and Billing

Users are responsible for maintaining active subscriptions and timely payments.

7.2 Cancellation Procedure

Users may cancel their subscription in accordance with platform policies.

7.3 Data Handling Post-Termination

Upon termination, access to platform data may be restricted or removed in accordance with policy and legal requirements.