Habitable zone around black holes?

Hello fellow space enthusiasts. I'm doing some worldbuilding for a book I'm writing and I have always loved black holes, so I thought, "why not make this worlds main planet orbit a black hole as its host".

Now I have done allot of research into habitat zones around black holes but there are still a few things I don't understand.

  1. How exactly does the Cosmic background radiation left from the big bang, get "deflected" by the blackhole, to keep the planet at a warm temperature?

  2. Would seasons still work on this planet if the orbit is slow and the Cosmic background radiation warms the planet?

  3. I read that a thick cloudy atmosphere would have to exist to keep life comfy on the planet, is this true?

  4. Would the day and night cycle be affected?

I think that's all the questions I have. All help is appreciated. Feel free to also tell me everything you know about black hole habitable zones.

Ps: this planet is inhabited by anthropomorphic Arthropods so a hot and humid environment wouldn't be a big deal :}