This Privacy Policy describes how Home Buyer Readiness Score ("HBRS"), operated by HBRS, 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
Cookies
We use necessary cookies to keep you signed in and operate the platform, and optional analytics cookies to understand how HBRS is used. You can choose "Necessary Only" in our cookie banner at any time; the platform works fully without analytics cookies.
Service Providers We Share Data With
We share your information only with the service providers below, only as needed to operate HBRS, and under agreements that limit their use of your data to providing services to us (as required by the Gramm-Leach-Bliley Act):
- Experian: soft credit pulls, only after your explicit FCRA consent (certified tier)
- Anthropic: powers VANCE and receives your questions and limited readiness context, never your raw credit report. For Agent VANCE, the buyer must enable AI assistance for the specific agent connection. It uses the approved readiness summary, plus shared tasks and preparation notes only when their separate permissions are enabled. Private buyer conversations, raw assessment answers and legacy lender-letter fields are excluded from Agent VANCE. Its answers are kept in the open page; a proposed step is saved to the shared workspace only after a participant explicitly reviews and saves it.
- Retell AI & Twilio: VANCE voice calls and SMS, including call transcripts when you speak with VANCE by phone
- Plaid: bank account and asset verification you initiate
- Stripe: subscription payments; we never store your card number
- SendGrid: transactional and service emails
- Supabase & Railway: encrypted database and application hosting
We do not sell your personal information.
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 hello@homebuyerreadiness.com, or delete your account directly from your account settings. For your rights related to credit information, see our FCRA Consumer Rights page.
Contact
HBRS
hello@homebuyerreadiness.com