What's the difference between a personal and business funding journey?
Both run on the same monitored credit data. The Personal journey recommends personal-credit products, debt consolidation, balance-transfer cards, personal lines of credit, mortgage readiness. The Business journey recommends business credit products, 0% APR business cards, business lines of credit, lender strategies tailored to a specific business you supply during a short questionnaire (entity type, time in business, revenue band, etc.). Premium includes the full Personal journey (a new analysis whenever your file changes, up to once a day, and the detailed report) and one Business journey, and you can add more businesses for $15/mo each. Standard includes credit monitoring plus one Personal FundReadi Report summary per month; it does not include the complete Report or Business journeys.
How does the additional business pricing work? When am I charged?
Premium includes one Business journey. Each additional active Business journey is a $15/mo add-on, billed as a separate recurring charge. You can archive an extra business at any time and the add-on stops at the next cycle (no proration, the journey stays accessible through the end of the period you already paid for, then becomes view-only). Restore the business later and the add-on resumes.
What happens to my funding journey data if I downgrade to Standard?
Nothing is deleted. Your funding journeys (personal and business), including each questionnaire, analysis history, and action-item ledger, are preserved. Standard does not include Business journeys, so after the current paid cycle ends every Business journey flips to view-only, readable but no new analyses. Your Personal journey continues with one analysis summary per month. Re-upgrade to Premium and everything reactivates immediately.
Cancel anytime, does that mean I can downgrade?
Yes. You can downgrade from Premium to Standard at any time from your portal. The change takes effect at the next billing cycle, and you keep Premium features (including any Business journeys) until then. No support call required.
What happens if I cancel mid-cycle?
Your reports, analyses and portal stay open until the end of the cycle you've already paid for, and you can still update your details for a new analysis. Credit alerts and report refreshes run until the day before the last day of the month you cancel in, then pause (the exact date is shown when you cancel). We don't pro-rate refunds for the unused portion of a month. After the cycle ends, access ends and any report links you shared stop working.
Do you offer refunds?
Subscriptions are non-refundable except where the law requires a refund, plus three specific cases: (1) you pay for a monitoring plan and we can't activate your credit monitoring afterward, (2) a FundReadi Report your plan includes fails on our side and still isn't delivered 7 days later (we rebuild it first, at no charge) or can't be built because the credit data we received was incomplete, and (3) a billing error, such as being charged twice for the same period. Email info@fundreadi.com with any billing question. Full policy lives on our Refund Policy page.
Do you bill in advance?
Yes. Plans are billed monthly at the start of each cycle.
What payment methods do you accept?
All major credit and debit cards.
