Terms of Use – MortgageReady Program

Effective Date: 05/2025
Last Updated: 05/2025

Welcome to MortgageReady Program (“Company”, “we”, “our”, or “us”). These Terms of Use (“Terms”) govern your access to and use of our website at [yourwebsite.com] and any services provided through it.

By using our site or services, you agree to these Terms. If you do not agree, please do not use our site.

1. Use of Our Services

You must be at least 18 years old to use our services. You agree to use the site and services only for lawful purposes and in compliance with all applicable laws, including the Credit Repair Organizations Act (CROA).

We reserve the right to refuse service, terminate accounts, or cancel orders at our discretion, especially if we suspect a violation of these Terms.

2. No Upfront Fees

In compliance with CROA, we do not charge for credit repair services until those services have been fully performed. Any payments will only be collected after the agreed-upon services have been completed.

3. Privacy

We protect your personal information in accordance with the Gramm-Leach-Bliley Act (GLBA) and our Privacy Policy. We do not sell your personal information to third parties. Please review our Privacy Policy to understand how we collect and use your information.

4. Intellectual Property

All content on this website, including logos, text, graphics, and software, is owned by or licensed to us and is protected by copyright and trademark laws. You may not copy, distribute, or use our content without written permission.

5. User Responsibilities

You agree to:

• Provide accurate information when registering or contacting us.

• Use our services only for personal, lawful purposes.

• Not misuse, copy, or attempt to disrupt our website or services.

6. Disclaimer of Warranties

We do not guarantee specific results or outcomes. Our services aim to assist in credit education and improvement, but credit repair results vary based on your individual circumstances and credit history.

7. Limitation of Liability

To the fullest extent allowed by law, we are not liable for any damages resulting from your use of the website or services. This includes, but is not limited to, loss of data, business interruption, or financial harm.

8. Governing Law

These Terms are governed by the laws of the State of Pennsylvania, without regard to its conflict of law principles. Any legal action must be filed in Philadelphia County, Pennsylvania.

9. Changes to These Terms

We may update these Terms at any time. Changes will be posted on this page with a new effective date. Your continued use of the site after any changes means you accept the updated Terms.

10. Contact Us

If you have any questions about these Terms, please contact us at:

Admin@MortgageReadyProgram.com

4731 Frankford Ave, Philadelphia, PA 19124
Phone: 215-744-2100