Home Buyer Readiness Score

This Privacy Policy describes how Home Buyer Readiness Score ("HBRS"), operated by Avance Financial LLC, collects, uses, and protects your personal information.

Information We Collect

Account information (name, email, phone number)
Financial information you provide during assessment (income, debt, assets)
Credit information obtained through authorized Experian soft pulls (certified tier only, with your explicit FCRA consent)
Usage data and interaction with VANCE AI advisor

How We Use Your Information

Calculate your Home Buyer Readiness Score
Generate personalized Financial Flight Plans
Issue Certified Readiness Certificates
Route qualified leads to lending partners (with your consent)
Provide VANCE AI coaching and support

Data Security

All personal and financial data is encrypted at rest in our PostgreSQL database. Credit check data is stored encrypted and never logged in plaintext. We follow FCRA requirements for all credit-related data handling.

Your Rights

You may request access to, correction of, or deletion of your personal data by contacting us at ryan@avance-financial.com.

Contact

Avance Financial LLC
ryan@avance-financial.com
469-469-8750