Terms and Conditions

1. Agreement to Terms

By accessing or using FundReadi (fundreadi.com), a product of AdvisorHub LLC, and referred to as the "Service," "Platform," "we," "us," or "our", you agree to be bound by these Terms and Conditions ("Terms"). If you disagree with any part of these terms, you may not access the Service.

AdvisorHub LLC is located at 1209 Mountain Road Pl NE, Ste R, Albuquerque, NM 87110. For questions regarding these Terms, contact us at info@fundreadi.com.

2. Description of Service

The Service provides credit monitoring and AI-assisted funding-readiness analysis, sold as monthly subscriptions. Depending on your plan, the Service includes:

• Credit monitoring through our credit-data provider: monthly credit reports and VantageScore 3.0 credit scores, and alerts when a credit bureau reports certain changes to your file (Sections 5 and 22)
• Funding-readiness analysis of your credit file (the FundReadi Report): a summary on every plan, and the complete report on the plans that include it
• Educational information about how lenders commonly evaluate a credit file, and action items that explain which factors in your file affect your funding readiness
• On the Upload plan, analysis of a credit report you upload as a PDF, without a credit pull (Section 4)
• Business funding journeys, on the plans that include them (Section 12)
• Storage of your credit reports, analyses, and account information so you can view them in your account

3. User Accounts and Registration

To use our Service, you must:

• Be at least 18 years of age
• Provide accurate, current, and complete information during registration
• Maintain the security of your account credentials, including any authenticator app, passkey, or device you use for two-step sign-in
• Accept responsibility for all activities that occur under your account
• Notify us immediately of any unauthorized access or security breach

Two-step sign-in and passkeys are optional protections you can turn on and off in Settings. If you lose access to the device you use for them, contact us; we will verify your identity before restoring access to your account, and we may remove the lost device's sign-in methods as part of that process.

We reserve the right to suspend or terminate accounts that violate these Terms or engage in fraudulent, abusive, or illegal activity.

4. Credit Reports You Upload (Upload Plan)

The Upload plan is offered when identity verification for credit monitoring cannot be completed. Instead of obtaining your credit data for you, the Service analyzes a copy of a credit report that you upload as a PDF. When you upload a credit report:

• You grant us permission to process, analyze, and store the uploaded credit report data
• You represent that you have the legal right to upload and share the credit information
• You understand that uploaded files are processed using AI and machine learning technologies
• You acknowledge that uploaded reports are stored securely and are used to generate your analysis and to review the quality of our analyses, as described in our Privacy Policy
• Uploaded reports and the analyses made from them stay in your account. Cancelling your subscription or closing your account does not delete them; Section 13 and our Privacy Policy explain how records are kept and how to request deletion where the law gives you that right

5. Credit Data Obtained Through Our Provider

Credit monitoring plans obtain your credit reports, credit scores, and change alerts through our credit-data provider, StitchCredit (operator of the CRS Credit API), which sources them from Equifax and, for tri-bureau reports, from Experian and TransUnion. This is how that works today:

• Before any credit data is requested, you complete a separate written authorization under the Fair Credit Reporting Act and verify your identity (Sections 22 and 24). We keep a dated record of that authorization.
• Every request is a soft inquiry. Soft inquiries do not affect your credit score.
• We collect and store the credit information obtained on your behalf, encrypted, so we can show it to you, alert you to changes, and run your funding analysis.
• Your authorization lasts for as long as you remain enrolled. You may end it at any time by cancelling your subscription or closing your account; once the cancellation or closure takes effect, no further credit data is requested.
• We comply with the Fair Credit Reporting Act and other applicable credit reporting law. Alerts describe changes reported by the bureau; they are not real-time and are described further in your plan.

6. Billing and Payment Terms

The Service is sold only as monthly subscription plans. There are no credits or per-report charges:

• Each plan's price and what it includes are shown before you buy, on our pricing page or wherever the plan is offered to you, and again at checkout
• Subscription plans automatically renew each month until you cancel, as described in Section 19
• You are responsible for maintaining valid payment information
• Upgrades take effect immediately: on the day you upgrade you are charged the monthly price difference between your current plan and the new plan, and the new price is charged starting on your next billing date. Downgrades take effect at your next billing date
• Additional business journeys are billed as separate monthly add-ons at the price shown when you add them
• We reserve the right to modify pricing with 30 days notice to existing users
• Charges are non-refundable except as described in our Refund Policy

7. Intellectual Property Rights

The Service, including all content, features, functionality, source code, algorithms, and technology, is owned by AdvisorHub LLC and protected by United States and international intellectual property laws.

Your generated reports and analysis are licensed to you for personal or business use. You may not:

• Reverse engineer, decompile, or attempt to extract our proprietary algorithms
• Resell, redistribute, or create derivative works from our analysis reports without authorization
• Use automated systems to scrape or extract data from the Service
• Remove copyright, trademark, or other proprietary notices

8. Disclaimers and Limitations

• Not Financial Advice: Our analysis and recommendations are for informational purposes only and do not constitute financial, legal, or professional advice
• No Guarantee of Funding: Our funding readiness scores and recommendations do not guarantee loan approval or funding from any institution
• Accuracy: While we strive for accuracy, AI-generated analysis may contain errors or omissions. Always verify information independently
• Third-Party Actions: We are not responsible for decisions made by lenders, credit bureaus, or other third parties based on our reports
• Service Availability: We do not guarantee uninterrupted or error-free service

9. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, ADVISORHUB LLC SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, DATA, OR BUSINESS OPPORTUNITIES ARISING FROM:

• Your use or inability to use the Service
• Unauthorized access to your data or account
• Errors, omissions, or inaccuracies in our analysis
• Decisions made based on our reports or recommendations
• Service interruptions, bugs, or technical issues

Our total liability shall not exceed the amount you paid for the Service in the 12 months preceding the claim.

10. Data Security and Breach Notification

We implement industry-standard security measures to protect your credit information and personal data. However, no system is completely secure. In the event of a data breach affecting your information:

• We will notify affected users without unreasonable delay after discovering the breach, and as required by applicable law
• We will provide details about the nature of the breach and data affected
• We will offer guidance on protective measures you should take
• We will comply with all applicable data breach notification laws

11. Prohibited Uses

You may not use the Service to:

• Upload credit reports or data belonging to others without authorization
• Engage in identity theft, fraud, or any illegal activity
• Violate any applicable laws, regulations, or third-party rights
• Transmit malware, viruses, or harmful code
• Attempt to gain unauthorized access to our systems or other users' accounts
• Use the Service to compete with or harm our business
• Harass, abuse, or harm other users or our staff

12. Business Funding Journeys

Business funding journeys are part of your own membership, on the plans that include them. A business journey analyzes funding readiness for a business you own, using your own credit file and the business information you provide. On Premium, business journeys beyond the one included are billed as monthly add-ons (Section 6). We do not offer separate business, reseller, or whitelabel accounts.

13. Termination

You may stop using the Service at any time. To stop future charges, cancel your subscription from the Billing page of your account (Section 19). To close your account, email info@fundreadi.com from the email address on your account. Closing your account stops monitoring and billing and deactivates the account; it does not delete your records, which we keep as described in our Privacy Policy.

We may terminate or suspend your account immediately, without prior notice, for:

• Violations of these Terms
• Fraudulent, abusive, or illegal activity
• Non-payment of fees
• Extended periods of inactivity
• Any reason at our sole discretion

Upon termination, your right to use the Service ceases immediately. You may request a copy of your data within 30 days of termination. We keep account records after termination or closure as described in our Privacy Policy.

14. Governing Law and Dispute Resolution

These Terms shall be governed by and construed in accordance with the laws of the State of New Mexico, without regard to conflict of law principles.

Any disputes arising from these Terms or your use of the Service shall be resolved through:

• Good faith negotiations between the parties
• Binding arbitration in Albuquerque, New Mexico, if negotiations fail
• Small claims court for disputes under the applicable monetary threshold

You waive the right to participate in class action lawsuits or class-wide arbitration.

15. Changes to Terms

We reserve the right to modify these Terms at any time. We will notify users of material changes via email or through the Service. Your continued use of the Service after changes constitutes acceptance of the modified Terms. If you disagree with changes, you must discontinue use of the Service.

16. Contact Information

17. Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions shall remain in full force and effect.

18. Entire Agreement

These Terms, together with our Privacy Policy and any additional agreements you enter into with AdvisorHub LLC, constitute the entire agreement between you and us regarding the Service and supersede all prior agreements and understandings.

19. Subscriptions, Automatic Renewal, and Cancellation

Paid plans on FundReadi (Standard, Premium, Upload, and any add-on business journey) are month-to-month subscriptions. Unless you cancel, each plan renews automatically at the end of every monthly billing cycle, and the payment method on file is charged the then-current price of that plan on the renewal date. Before you enter payment details we show you the plan price, the renewal date, and the amount of the first charge, and by completing checkout you authorize us to charge your payment method on each renewal date until you cancel.

• No free trials. We do not offer trial periods, introductory prices that convert to a higher price, or activation fees. Nothing is charged until you choose a plan and complete checkout.
• How to cancel. You can cancel at any time online from the Billing page of your account, without calling or emailing anyone. Cancellation takes effect at the end of the billing cycle you have already paid for; you keep access to your reports, analyses and account until then and are not charged again. Credit alerts and report refreshes end on the day before the last day of the calendar month in which you cancel, or on the paid-through date if that comes first; the exact date is shown when you cancel. When your access ends, any report links you have shared stop working. If your plan carries a founding or other locked rate, that rate stays in effect only while the subscription stays active: once a cancellation takes effect, the locked rate ends, and a later subscription is billed at the then-current regular price.
• Refunds. Charges are non-refundable except in the specific cases described in our Refund Policy. We do not pro-rate the unused portion of a billing cycle.
• Reminders and notices. We email a reminder before each renewal, and we give you clear notice before any change to the price or material terms of your plan takes effect, so that you can cancel before the change applies.
• Plan changes. Upgrades take effect immediately and charge the monthly price difference that day. Downgrades, and any retention offer you accept, take effect at your next renewal at the price shown when you accept them.

Where a state automatic-renewal or continuous-service law gives you additional rights (for example, the right to cancel online in the same way you signed up), those rights apply and nothing in this section limits them.

20. Not a Credit Repair Organization

The Service provides credit monitoring, credit education, and funding-readiness analysis of your own credit file. We do not dispute, challenge, remove, or alter any information on your credit reports, we do not contact creditors or credit bureaus on your behalf, and we do not promise that your credit score will change. Accurate negative information cannot be removed from your credit file by anyone, and you have the right to dispute inaccurate information yourself, directly with each credit bureau, at no cost.

AdvisorHub LLC and FundReadi are not credit repair organizations as defined under federal or state law, including the Credit Repair Organizations Act (15 U.S.C. § 1679 et seq.), and are not offering to sell, provide, or perform any service for the express or implied purpose of improving your credit record, credit history, or credit rating.

21. Credit Scores Are Educational

Credit scores shown in the Service are VantageScore® 3.0 scores calculated from the data of the credit bureau named alongside each score (for monitored accounts, VantageScore® 3.0 using Equifax Data). VantageScore® 3.0 is an educational score and may differ from the FICO® Score lenders use to determine credit availability. Lenders use many different scoring models and versions, and the score a lender uses to decide your application may differ from any score shown here. Scores change as your credit file changes, so a score is accurate only as of the date shown with it.

VantageScore® is a registered trademark of VantageScore Solutions, LLC. Equifax® is a registered trademark of Equifax Inc. Experian® is a registered trademark of Experian Information Solutions, Inc. TransUnion® is a registered trademark of Trans Union LLC. FICO® is a registered trademark of Fair Isaac Corporation. Their use in the Service does not imply endorsement.

22. Credit Monitoring Authorization; Not a Consumer Reporting Agency

When you enroll in credit monitoring you provide "written instructions" under the Fair Credit Reporting Act (15 U.S.C. § 1681b(a)(2)) for us and our identity-verification and credit-data providers (StitchCredit, which operates the CRS Credit API, and Equifax) to obtain your consumer credit report and credit score, to verify your identity, and to obtain your credit information on a recurring basis (monthly refreshes and change alerts) for as long as you remain enrolled. These requests are soft inquiries and do not affect your credit score. You may end this authorization at any time by cancelling your subscription or closing your account.

AdvisorHub LLC is not a consumer reporting agency. The reports, scores, and analyses we provide are for your own personal, educational, and informational use, and may not be used, in whole or in part, as a factor in establishing any person's eligibility for credit, insurance, employment, housing, or for any other purpose covered by the Fair Credit Reporting Act. Shared reports and exports are created at your direction for your own use; you are responsible for how anyone you share them with uses them.

23. Not a Lender or Broker; Estimates Are Not Offers of Credit; Eligibility

We are not a lender, loan broker, or credit-services intermediary. We do not make credit decisions, do not submit applications on your behalf, and do not receive compensation from any lender for referrals or placements. Funding-readiness scores, funding ranges, lender tiers, and action items are estimates generated from your credit file and the information you provide. They are informational, are not offers, commitments, or guarantees of credit, and do not predict any particular lender's decision. Actual offers depend on each lender's own underwriting at the time you apply, including factors that are not on your credit file.

The Service is intended for United States residents who are at least 18 years old. Credit monitoring additionally requires a U.S. address, a Social Security number, and a U.S. mobile number for identity verification.

24. Text Messages for Identity Verification

Identity verification uses a one-time secure link sent by text message to the mobile number you provide. By entering your mobile number and choosing to receive the link, you consent to receive that verification text message from us and from our identity-verification providers (StitchCredit and Equifax), including through automated means. These messages are sent only when you request them, to verify your identity or to re-verify it for security reasons; we do not send marketing text messages. Message and data rates may apply. If you cannot or prefer not to receive text messages, an email delivery option is offered during verification. Keep your mobile number current in your account so that verification messages reach you and not someone else.

25. Electronic Communications and Records

The Service is delivered online. You agree that we may provide all agreements, disclosures, notices, receipts, renewal reminders, and other communications electronically, by posting them in the Service or by sending them to the email address on your account, and that electronic delivery satisfies any requirement that a communication be in writing. You also agree that you may accept agreements and give consents electronically. To receive electronic communications you need a device with internet access, a current web browser, an email account, and the ability to view PDF files; you may print or save any document we provide. Keep your email address current. You may withdraw your consent to electronic delivery by closing your account, because we cannot provide the Service without it. Where the law requires a paper copy, you may request one at info@fundreadi.com.