Data policy
What data SEABorrow uses — and what stays blank on purpose
SEABorrow only uses information that a normal borrower can inspect on a lender's own public page. We do not depend on private APIs, partner feeds, hidden application flows or third-party aggregator tables as the primary source of truth.
1. Source rule
A figure should come from a publicly visible lender page, FAQ, fee table or similarly public document that can be linked back to directly. If a value only appears after login, inside an app flow, or behind a salesperson conversation, it does not qualify as a verified public field.
2. Verified vs partial
- Verified means the key public fields for that row were actually found on the lender page.
- Partial means some fields were visible but one or more important numbers were missing, gated or ambiguous.
- Indicative is reserved for markets where the lender pages are too incomplete to present a fully verified view yet.
3. Snapshot discipline
Public lender pages change. That is why SEABorrow writes snapshots with a last-checked date instead of claiming live pricing. The snapshot model is intentionally conservative: a dated copy of what we could verify at the time, plus explicit blanks for what we could not.
4. Missing numbers stay missing
If a lender page does not publish an EIR, fee, tenor or income threshold clearly, the right answer is not to infer it from a competitor. The right answer is to leave the field blank, label it honestly, and point the borrower back to the source.
5. What the calculator does locally
The repayment planner uses the published rate inputs attached to an offer row and turns them into representative monthly-payment and cash-cost views. Those outputs are planning aids. The lender still controls the final approved rate, fees, tenure and payout terms.
6. Correction path
If you find a stale or missing public field, email jin758241@gmail.com with the source URL. We would rather mark a row partial for a few days than publish a number we cannot defend.