Privacy Policy
Effective Date: September 10, 2025
This Privacy Policy describes how Home Buyer Readiness Score, LLC ("Home Buyer Readiness Score," "we," "us," or "our") collects, uses, and shares information when you use our website, mobile applications, Smart Mortgage Coach, and related services (collectively, the "Services").
By using our Services, you agree to this Privacy Policy. If you do not agree, you must stop using the Services.
Key Legal Notice:
- We collect personal, financial, and professional data to provide Services.
- We share data with credit bureaus, service providers, and professionals when you consent.
- You have rights to access, delete, and limit data use.
- Our Services are not available to anyone under the age of 18.
1. Information We Collect
We may collect the following categories of information:
- Personal Information: Name, email, phone number, mailing address, and account details.
- Financial Information: Income, assets, debts, credit history, and housing details.
- Credit Bureau Data: Credit reports, scores, and related data obtained from Experian, Equifax, or TransUnion.
- Professional Information: If you are an agent, builder, or professional, information about your business, licensing, and clients you manage through the Service.
- Device and Usage Information: IP address, browser type, device identifiers, and activity logs.
- Feedback and Content: Information you provide voluntarily, such as survey responses, feedback, or uploaded documents.
Summary: We collect personal, financial, professional, and technical information to deliver and improve our Services.
2. How We Use Your Information
We use your information to:
- Provide mortgage readiness assessments and personalized recommendations.
- Generate insights and action plans through our Smart Mortgage Coach.
- Connect borrowers with agents, builders, and professionals.
- Verify identity and protect against fraud.
- Comply with legal and regulatory obligations.
- Improve, maintain, and develop new features for the Services.
Summary: We use your information to run the platform, provide insights, and comply with legal obligations.
3. How We Share Your Information
We may share your information with:
- Credit Bureaus: To retrieve scores and reports with your consent.
- Agents, Builders, and Professionals: If you choose to connect with them through the Service.
- Service Providers: Vendors who help operate the platform, such as hosting providers, analytics companies, and payment processors.
- Legal and Compliance: Courts, regulators, or law enforcement if required by law.
- Business Transfers: In the event of a merger, acquisition, or sale of assets.
We do not sell personal information in the traditional sense but may "share" data for targeted advertising, subject to your opt-out rights under applicable law.
Summary: We share your data with credit bureaus, professionals, service providers, and regulators when necessary, but not for unrestricted sale.
4. Credit Bureau Data
Home Buyer Readiness Score, LLC is not a credit bureau. We do not create or control credit reports or scores. If you access your credit data through our Services, we provide it "as received" from the credit bureau.
For disputes or corrections, you must contact the relevant bureau directly:
Summary: We display credit bureau data but do not control it. For corrections, contact the bureaus directly.
5. Your Rights
Subject to applicable law, you have the right to:
- Access: Request a copy of the information we hold about you.
- Correction: Request that we correct inaccurate information.
- Deletion: Request deletion of your personal information.
- Portability: Request a copy of your data in portable format.
- Opt-Out of Sale/Sharing: Direct us not to share your data for targeted advertising.
- Non-Discrimination: You will not be denied services or charged different prices for exercising privacy rights.
To exercise your rights, contact us at:
Summary: You may access, correct, delete, or request limits on your data use, and you will not be penalized for exercising your rights.
6. Data Security
We use industry-standard security measures to protect your information. However, no system is completely secure, and we cannot guarantee absolute protection.
Summary: We take steps to secure your data, but no system is 100% secure.
7. Data Retention
We retain personal information as long as necessary to provide Services, comply with legal obligations, resolve disputes, and enforce agreements.
Summary: We keep your data only as long as needed for business and legal purposes.
8. Children's and Minors' Privacy
Our Services are intended only for individuals 18 years of age or older. We do not knowingly collect data from children or minors under 18. No accounts may be created by or for anyone under 18. If we become aware that we have collected data from a person under 18, we will promptly delete it.
Summary: No one under 18 can use our Services or create accounts.
9. Third-Party Links and Services
Our Services may contain links to or integrations with third-party websites, applications, or services. We are not responsible for their practices. Review their policies before engaging with them.
Summary: Third-party links and services are outside our control. Review their terms and privacy policies.
10. International Users
Our Services are intended for use within the United States. If you access them from outside the U.S., you do so at your own risk and consent to U.S. law.
Summary: Our Services are designed for U.S. users.
11. Changes to this Privacy Policy
We may update this Privacy Policy at any time. Material changes will be communicated by email or Service notice. Continued use means acceptance of updated terms.
Summary: We may change this Privacy Policy. We will notify you of significant changes.
12. Contact Us
For privacy-related questions, requests, or complaints, contact us at:
Summary: Contact us at our Texas office or by email with any privacy concerns.