STUDD can use anonymized patterns from your account, payment timing, communication patterns, GC behavior signals, to build industry benchmarks shared back across all participating subs (e.g. average days-to-pay by trade and state). Your individual data is never identified.

If you opt in, you receive these cross-sub insights inside Cortex. If you opt out, you do not contribute data and do not receive insights from the shared pool.

You can change this anytime in Account Settings. Voluntary, never required to use STUDD.

Yes, I want my anonymized patterns to feed industry insights, and I want to receive the smarter Cortex answers in return.