ALPHA COVENANT HOLDINGS — REVIEWER PACKET (plain text)
Generated 2026-09-24 00:58:26 UTC from the live database. Every section names the public URL it was read from; fetch any of them yourself.
This packet is self-reported by the operator. It is not an independent audit.

0. INDEPENDENT AUDIT / THIRD-PARTY VERIFICATION
   Status: NONE YET.
   No independent audit has been performed. Every control below is self-reported and reproducible by anyone; auditors, journalists and researchers may request read access via /press and findings will be published unedited.
   Trust seals held: none. Third-party coverage: none claimed.

1. WHO PAYS US — https://alphacovenantholdings.com/api/public/conflicts  (page: https://alphacovenantholdings.com/conflicts)
   Entity: Alpha Covenant Holdings is a trade name (DBA) of Build Break Build Fitness and Promo (Cincinnati, Ohio). Registered details are on file with the Ohio Secretary of State — see 'Check the entity' below.
   Principle: Every figure on a record is copied from a named official source. Money buys placement, alerts or tooling next to a record. It cannot add, remove, reorder, reword or delay any line of the record, the Covenant Index, the Correction Ledger, or the Directory ranking.
   Revenue streams (live active counts):
   - Record sponsorship | buyer: Companies, law firms, trade groups | active now: 0
       gets: A labelled 'Sponsor' slot beside a record or state page, with the sponsor's own message.
       cannot: Change or hide any line of the record it sits beside; sponsors are shown on the record whether the record is favourable or not.
       writes only to collections: sponsors
   - Record Monitor | buyer: Shippers, brokers, procurement teams | active now: 0
       gets: Daily change alerts on public lines (FMCSA, SAM, courts, DOL, state registries, CFPB) for up to 300 carriers or vendors, prepaid 30 days.
       cannot: Alter the watched records; the monitor only re-reads the same public sources and reports old → new.
       writes only to collections: carrier_watchlists, carrier_watch_state, carrier_watch_events
   - Carrier recruiting page | buyer: Motor carriers | active now: 0
       gets: Openings, pay and equipment shown beside the carrier's live FMCSA report card, prepaid 30 days.
       cannot: Edit the report card — it is pulled from FMCSA and is never editable by the carrier or by us.
       writes only to collections: carrier_subscriptions, carrier_recruit_pages
   - Diagnosis and score reports | buyer: Companies named in records | active now: —
       gets: A PDF assembling the same public lines with the formula applied, for internal use.
       cannot: Improve the score; the report and the public score are computed by the same code from the same public calls.
       writes only to collections: payment_transactions, covenant_reports
   - Marketing, affiliate-commission, creator and agent-growth services | buyer: Small businesses, creators, insurance agents (formerly) | active now: 0 | status: removed_from_this_domain
       gets: REMOVED FROM THIS DOMAIN. These services and the 30%-commission partner program are no longer sold on alphacovenantholdings.com; they are being moved to a separate business and website. Their pages now show a notice.
       cannot: Reach any record data: no code path into record, score, ledger or directory collections; no record page links to them; no longer offered under the records platform's name.
       writes only to collections: none
   Invariants:
   - Records changed by payment: 0 — Record collections (watchdog_snapshots, carrier_cache, carrier_history, registry_snapshots, public_record_cache, covenant_scores, ledger) are written only by source-pull code. Billing modules write only to the collections listed per stream above.
   - Ranking or visibility sold: 0 — Directory order and record content have no sponsor, subscription or payment input. Sponsor slots are labelled and positioned outside the record body.
   - Formula changes: 4 — Every change to the Covenant Index formula is dated and published with its reason on /methodology; the current version is stamped on every score.
   - Paid transactions to date (all streams): 1 — Count of Stripe sessions marked paid in payment_transactions.
   Scoring↔billing separation (AST import scan, re-run on this request): pass=True; modules checked: covenantscore, record, ledger, watchdog, rootcause, carriercheck, fmcsa_qc, stateregistry, exclusions, dol, lawsuits, recompete, studentloans, publicrecord, cfpb_match; forbidden imports: academy_billing, billing, carrier_billing, carriermonitor, emergentintegrations.payments, investor_billing, sponsors, stripe; violations: 0
   Runtime billing firewall: Billing endpoints accept payment for placement, alerts, pages and reports only. Any billing request that names a score, rank, record, ledger, or expedite field is refused before it reaches a handler, and the attempt is logged. Attempts blocked to date: 0. Forbidden fields: boost, covenant_score, edit_record, expedite, grade, hide, hide_record, index_value, ledger, priority_correction, rank, ranking, record_edit, remove_record, score, score_delta, suppress, target_score.

2. OWNERSHIP AND SEPARATION OF THE MARKETING BUSINESS
   Records platform: Alpha Covenant Holdings, a trade name (DBA) of Build Break Build Fitness and Promo (Cincinnati, Ohio; entity details on file with the Ohio Secretary of State).
   Marketing / affiliate / creator / agent-growth services on this domain: removed; routes show a notice.
   Marketing business: NOT YET NAMED. Being formed. Its legal name and website will be published here the day they exist; until then no marketing, affiliate or growth service is sold anywhere under the Alpha Covenant name.
   Common ownership: YES. Both businesses are owned by the same person. The separation is structural, not an ownership divestiture: separate name, separate website, separate database, no shared code, no data flow in either direction, and no record page links to the marketing business. Anyone evaluating the platform should weigh that fact directly.
   Check the entity: https://businesssearch.ohiosos.gov/ (search 'Build Break Build Fitness and Promo')

3. CORRECTIONS DESK — https://alphacovenantholdings.com/api/corrections  (page: https://alphacovenantholdings.com/corrections)
   - Corrections are free, for anyone, with no account.
   - A request cannot change a figure; only the source re-pull or a method fix can — and the fix applies to every company.
   - Every request and outcome is logged here with date, reason and source. Requester contact details are never published.
   - No payment, sponsorship or subscription changes the queue order or the outcome.
   - Service commitment (published 2026-06): a human-filed request is acknowledged within 2 business days and resolved or given a written reason within 10 business days; machine-opened accuracy tickets are re-pulled within 12 hours. Median days to resolve is published live above; misses against this commitment are themselves logged.
   Tickets to date: 5 total · 5 resolved · 0 open · paid requests: 0 · median days to resolve: 0.0 · by outcome: {'corrected': 5}
   Outcome definitions:
   - corrected: Our figure or method was wrong and has been fixed; the record was re-pulled from the source.
   - source_confirmed: The source was re-pulled and shows the figure as published; no change.
   - source_changed: The agency changed its record; the platform updated for everyone.
   - not_ours: The figure is the source's own line; the requester was pointed to the agency's correction process.
   Log integrity: Each log entry's hash = SHA-256 of the entry (seq, ts, event, ticket_id, details, prev_hash) as sorted JSON; prev_hash links to the previous entry. Chain head: 2f376924ba583cbc719e6d5ae039a32d614cf13bab4b4d36ef5c880da976145a
   ticket 4E7288768D | 2026-09-23 | resolved | outcome: corrected | USAspending.gov — all recipients — open prime awards (count) — method 2026-06c | opened_by: method_fix
   ticket DC8DBE5F9C | 2026-09-23 | resolved | outcome: corrected | USAspending.gov — all recipients — open prime awards (count) — method 2026-06b | opened_by: method_fix
   ticket 70079D2B3F | 2026-09-22 | resolved | outcome: corrected | CFPB Consumer Complaint Database — Capital One Financial Corporation — complaints, last 12 months | opened_by: accuracy_audit
   ticket C816AE6A23 | 2026-09-22 | resolved | outcome: corrected | CFPB Consumer Complaint Database — Caine & Weiner Company, Inc. — complaints, last 12 months | opened_by: accuracy_audit
   ticket C69E81D235 | 2026-09-22 | resolved | outcome: corrected | CFPB Consumer Complaint Database — Amerihome Mortgage Company, Llc — complaints, last 12 months | opened_by: accuracy_audit

4. ACCURACY CHECK (self-check, not an audit) — https://alphacovenantholdings.com/api/public/accuracy  (page: https://alphacovenantholdings.com/accuracy)
   Method: Every day a random sample of published figures is re-fetched from its source and compared. Results are published unedited as plain counts, including misses; each miss opens a public Corrections ticket. This is our own automated re-check of our own copies — not an independent audit and not a grade.
   Latest run 2026-09-23 17:36 UTC: {'checked': 24, 'match': 21, 'source_moved': 3, 'stale': 0, 'unavailable': 0}
   - SOURCE_MOVED: CFPB Consumer Complaint Database | Fidelity National Information Services, Inc. (Fnis) | complaints, last 12 months | ours=7358 source_now=7377
   - SOURCE_MOVED: CFPB Consumer Complaint Database | Citizens Financial Group, Inc. | complaints, last 12 months | ours=2110 source_now=2142
   - SOURCE_MOVED: CFPB Consumer Complaint Database | Pinnacle Financial Partners, Inc. | complaints, last 12 months | ours=672 source_now=681
   30-day aggregate by source (checked / match / source_moved / stale / unavailable):
   - CFPB Consumer Complaint Database: 12 / 4 / 5 / 3 / 0  over 2 run(s)
   - FMCSA: 24 / 24 / 0 / 0 / 0  over 2 run(s)
   - CO business registry (open data): 2 / 2 / 0 / 0 / 0  over 2 run(s)
   - NY business registry (open data): 2 / 2 / 0 / 0 / 0  over 2 run(s)
   - CT business registry (open data): 2 / 2 / 0 / 0 / 0  over 2 run(s)
   - CourtListener / RECAP: 4 / 4 / 0 / 0 / 0  over 2 run(s)
   - USAspending.gov: 3 / 3 / 0 / 0 / 0  over 2 run(s)
   Limit: This checks that we copied the source faithfully. It cannot check whether the source itself is correct.
   Limit: This is not an independent audit. It is our own code re-checking our own copies — the checker is published at /api/public/code/accuracy.py and every daily result is captured by the Internet Archive so anyone can verify the record.
   Limit: Samples, not the whole corpus: a handful of figures per source per day, chosen at random from what is currently published.
   Limit: No grade is awarded. The page shows plain counts of matched, moved, stale and unreachable checks.
   Limit: The refresh that keeps copies current (scorerefresh.py, every 12 h) runs separately from this check, so the check measures the refresh rather than triggering it. A stale result opens a public Corrections ticket; the next scheduled re-pull resolves it publicly with the new value.

5. THE FORMULA (Covenant Index) — https://alphacovenantholdings.com/methodology
   Every company starts at 100 points. Grades: A ≥ 90 · B ≥ 80 · C ≥ 70 · D ≥ 60 · F < 60
   - Federal complaint trend vs market (CFPB): The company's 12-month change in complaints minus the change in ALL CFPB complaints over the same window. ≤ −10 points below market +3 · within ±10 of market 0 · +10 to +25 above −5 · +25 to +50 above −10 · more than +50 above −15. Scored only at ≥20 complaints/yr. Raw counts are NOT scored because they scale with company size; measuring against the market removes industry-wide surges.
   - Relief rate vs market (CFPB): Share of the company's closed complaints that ended with monetary or non-monetary relief, minus the same share for all CFPB complaints. ≥ +10 points above market +5 · within −5 to +10 0 · −5 to −15 below −5 · more than −15 below −10. A rate, so it does not scale with size.
   - Missed 15-day response window (CFPB): Share of complaints the company answered after the CFPB's 15-day window. ≥ 5% late −5 · ≥ 3× the market rate (min 1%) −2 · otherwise 0.
   - Product safety recalls (FDA food + CPSC, last 24 months): −5 per matched recall, capped at −15
   - Federal court records: Shown as context, NEVER scored — litigation volume scales with size and cases are not verdicts
   - FDIC insurance (banks): Active FDIC-insured +2
   Inputs rule: Only official government records are scored. Private or vendor checks (website security, reviews, news) are never inputs.
   Governance: The formula is changed only by a dated, published version. Every version is listed below with what changed and why; all companies are re-scored on the new version at once. No version is ever applied to one company and not another, and no change is made for or at the request of any company.
   Version history:
   - 2026-09-14c (2026-09-14): Added two size-neutral rate components: relief rate vs market and missed 15-day response window. Why: Trend alone, once market-adjusted, did not separate companies that resolve complaints from those that only explain them.
   - 2026-09-14b (2026-09-14): Complaint trend is now measured against the change in ALL CFPB complaints over the same window, with graded penalties, instead of a flat −15 for any increase. Why: A flat penalty treated a company rising with an industry-wide surge the same as one rising alone; the penalty was flat while the signal was not.
   - 2026-09-14 (2026-09-14): Removed the passive website-security check as a score input. Why: It was the only input not drawn from a government record.
   - 2026-06 (2026-06-01): Original formula: CFPB trend (flat ±), recalls, security posture, FDIC, courts as context. Why: Launch.
   Reproduce any score: GET /api/score?company=<name> → reproduce.steps lists every public API call and the arithmetic.

6. SOURCE ROSTER (closed) — Closed roster. Every figure comes from one of these publishers, is shown with its pull time and links back. No other source is used; paid services cannot add, remove or alter a source.
   - CFPB Consumer Complaint Database (Consumer Financial Protection Bureau) — Complaints, issues, timeliness, relief, open files; Ledger; Student Loan Servicer Index — https://www.consumerfinance.gov/data-research/consumer-complaints/ — automated check active
   - Federal Student Aid Data Center (U.S. Department of Education) — Servicer portfolio balances and borrowers — https://studentaid.gov/data-center/student/portfolio — automated check active
   - FMCSA SAFER Company Snapshot (FMCSA) — Carrier status, authority, inspections, crashes, safety rating — https://safer.fmcsa.dot.gov/ — automated check active
   - FMCSA QCMobile API (FMCSA) — Authority types, BIPD/cargo/bond insurance on file — https://mobile.fmcsa.dot.gov/QCDevsite/ — automated check active
   - SAM.gov Exclusions (GSA) — Active suspension/debarment records — https://sam.gov/search/?index=ex — automated check INACTIVE (key not configured; official link shown instead)
   - SAM.gov Contract Opportunities (GSA) — Government bid watch — https://sam.gov/search/?index=opp — automated check INACTIVE (key not configured; official link shown instead)
   - FedConnect Public Opportunities (Participating agencies) — Government bid watch — https://www.fedconnect.net/ — automated check active
   - USAspending.gov API (U.S. Treasury) — Prime awards, obligations, re-compete radar — https://www.usaspending.gov/ — automated check active
   - CourtListener / RECAP (Free Law Project) — Federal docket counts and case lists (partial coverage) — https://www.courtlistener.com/ — automated check active
   - DOL Enforcement Data API v4 (U.S. Department of Labor) — OSHA inspections, Wage & Hour cases — https://dataportal.dol.gov/ — automated check active
   - Colorado Business Entities (Colorado Secretary of State) — State registry rows — https://data.colorado.gov/d/4ykn-tg5h — automated check active
   - New York Active Corporations (NY Department of State) — State registry rows (active only) — https://data.ny.gov/d/n9v6-gdp6 — automated check active
   - HHS-OIG LEIE (exclusions) (HHS Office of Inspector General) — Exclusion-list entries by exact business name / NPI — https://oig.hhs.gov/exclusions/exclusions_list.asp — automated check active
   - Connecticut Business Registry (CT Secretary of the State) — State registry rows — https://data.ct.gov/d/n7gp-d28j — automated check active
   - CPSC Recall API (Consumer Product Safety Commission) — Product recalls — https://www.cpsc.gov/Recalls — automated check active
   - openFDA (U.S. Food and Drug Administration) — Drug labels, adverse events, enforcement recalls — https://open.fda.gov/ — automated check active
   - FDIC BankFind (institutions + Call Report financials) (FDIC) — Active insured-institution flag; PCA capital ratios on Standards Check — https://banks.data.fdic.gov/ — automated check active
   - SEC EDGAR (submissions, XBRL company facts) (U.S. Securities and Exchange Commission) — Registrant filings and filing dates on Standards Check; financial facts in Business Verifier — https://www.sec.gov/edgar — automated check active
   - eCFR / U.S. Code (Office of the Federal Register / GPO) — Text of the published standards cited on Standards Check — https://www.ecfr.gov/ — automated check active
   - CMS provider & hospital data (Centers for Medicare & Medicaid Services) — Doctor and hospital Records — https://data.cms.gov/ — automated check active
   - National Weather Service API (NOAA) — HQ-area weather alerts — https://api.weather.gov/ — automated check active

7. RUNNING CODE, PUBLISHED WITH HASHES — https://alphacovenantholdings.com/api/public/code
   - firewall.py  sha256 fe83b0737be772f63efc4856a4c502ea76892c38887353cb918ccd62d73c9e3c
   - conflicts.py  sha256 3945be02409d092087de566d6ffe2a29b2a9446cc6b1b56f4f8c4c26d3d5738f
   - corrections.py  sha256 48f06990584b6777ca72f978cfde951848e4b913ee801c9e60e2dcf37e431d32
   - covenantscore.py  sha256 8efe94bcbdc27baba674303c899b1fab79d9528f0e365355055a2ce7f6c87088
   - stateregistry.py  sha256 c4926f0d61f8bb920e4af5f4e2ff2aa383d221672e8f452cd7cea7db095110a0
   - verification.py  sha256 233ce81647f06d1b4be275b7c543b5619652ef5582ce72396ed3988c0b493397
   - cite.py  sha256 de73b1e8294a27cb10f42ab7650ac2902dec8ade4d38b845188571244b66e5bd
   - platform_seal.py  sha256 4fa06e2fb1c0c8dbb398687a21152e0b35ce817a57b4cfe8d8294830ad437d9a
   - scorerefresh.py  sha256 d36c832e2330144d92ee4fe7599da602e7da9eea8f09aaacb9ce883371ac2958
   - accuracy.py  sha256 048a579ac3310faa86b79e42c4e692983f559056b0c75abd70790367a7129e0b
   - replay.py  sha256 12225386e4f7ec4bf89ff02ab74c2a90d8537c45b64f374291d2f023005d8764
   - tests/test_separation.py  sha256 50f0a3d678a0d91760fdfb9dc9cf1631964e263b3dc25f073e9ecd7820add5fe

8. THIRD-PARTY COPIES (Internet Archive; we cannot edit after capture)
   - https://web.archive.org/web/*/alphacovenantholdings.com/api/corrections
   - https://web.archive.org/web/*/alphacovenantholdings.com/api/public/conflicts
   - https://web.archive.org/web/*/alphacovenantholdings.com/api/public/accuracy
   - https://web.archive.org/web/*/alphacovenantholdings.com/api/record/trust
   - https://web.archive.org/web/*/alphacovenantholdings.com/api/public/trust
   - https://web.archive.org/web/*/alphacovenantholdings.com/api/record/reviewer-packet
   - https://web.archive.org/web/*/alphacovenantholdings.com/methodology
   - https://web.archive.org/web/*/alphacovenantholdings.com/conflicts
   - https://web.archive.org/web/*/alphacovenantholdings.com/corrections
   - https://web.archive.org/web/*/alphacovenantholdings.com/accuracy
   - https://web.archive.org/web/*/alphacovenantholdings.com/api/public/code

9. SEALED OFF FROM THIS DOMAIN — https://alphacovenantholdings.com/api/public/sealed
   Since 2026-06-22: only the public-records platform is served here. 34 former background jobs un-scheduled; 5 former payment sources recorded but never fulfilled; every /api path outside 50 records prefixes returns 410; former pages show a 'Not part of this platform' notice.

10. WHAT THIS PACKET DOES NOT ESTABLISH
   - That any source agency's data is correct (we only check that we copied it faithfully).
   - Independence: every control above is operated by the same party it describes.
   - Legal separation of the marketing business: common ownership, entity not yet named.
   JSON of the trust facts: https://alphacovenantholdings.com/api/public/trust · HTML: https://alphacovenantholdings.com/api/record/trust