Privacy Policy

Last updated: August 2025

Mortgage Ready Program (“MRP,” “we,” “our,” or “us”) values your privacy. This Privacy Policy describes how we collect, use, disclose, and safeguard your information when you visit our website (“Website”) and use our services, including mortgage counseling and credit repair services. By accessing or using our Website, you consent to the practices outlined in this Privacy Policy.

Agreement to This Privacy Policy

By using the Website, you agree to this Privacy Policy. If you do not agree, please discontinue use of our Website and services.

Personal Information We Collect

We collect personal information from you when you interact with our Website, contact us, or use our services. This may include:

Name, address, email, phone number
Social Security Number (SSN) (for credit and mortgage counseling purposes)
Date of birth
Payment information (for billing and subscription services)
Mortgage-related information, including loan details
Credit history and financial information

We collect this information to provide and improve our services, verify identity, process payments, and comply with legal obligations.

How We Use Your Information

We use personal information to:

Provide credit repair and mortgage counseling services
Process payments and transactions
Communicate with you about our services, including emails and text messages
Maintain legal and regulatory compliance
Prevent fraud and unauthorized account access
Improve and personalize user experience
Conduct marketing and promotional activities (where permitted by law)

We will never require payment for services until those services have been fully provided, in compliance with the Credit Repair Organizations Act (CROA).

Text or SMS Notices

We may send text messages or SMS to the phone number you provide for program updates, appointment reminders, notifications about required documents including contract signing, educational credit and mortgage tips, and limited promotional messages if you consent. We will only send SMS messages if you have opted in to receive them or otherwise provided your phone number during the sign up process. Message and data rates may apply, and frequency may vary. To opt out of SMS messages at any time reply STOP to any message and we will promptly stop sending marketing SMS messages. You may continue to receive non-marketing service messages if needed to complete a service you have requested. Please do not send sensitive personal information such as your Social Security Number via text message. For more information on managing communications with us see the “Request for Information” section below.

Non-Personal Information We Collect

We may collect and use non-personal data (information that doesn’t identify you directly) such as:

Device Information: IP address, operating system, browser type, etc.
Cookies: We use cookies to analyze user behavior and deliver ads based on interests.
Log Information: IP address, browser data, referring pages, etc.

This data is aggregated and analyzed to improve our website and services.

Sharing of Information

We will not sell or share your personal information, except in the following situations:

Consent: If you give us permission to share your data.
Third Parties: We share data with trusted service providers to help us manage services, such as payment processing, fraud prevention, marketing, and customer support.
Legal Reasons: We may disclose your information if required by law, such as to comply with a legal request, protect operations, or prevent fraud.
Business Transitions: In the event of a merger, acquisition, or sale, we may transfer your data to the relevant party.

In compliance with the Gramm-Leach-Bliley Act (GLBA), we protect the nonpublic personal information (NPI) of our clients and do not sell this information to third parties. Data sharing is only done in accordance with this policy and applicable laws.

Refund & Cancellation Policy

In compliance with the Credit Repair Organizations Act (CROA), you have the right to cancel this contract within three business days without incurring any fees.

Cancellations must be submitted via email to admin@mortgagereadyprogram.com.

Transparency and Choice

We may use third-party advertising services like Google to display ads based on your activity on our website. You can manage your preferences and opt out of ads through the Google Ads Preference Manager.

You may also opt out of Google Analytics by visiting the Google Analytics Opt-Out page.

We do not share your personal information with third-party marketers unless we have obtained your consent. You can opt out at any time by contacting us at admin@mortgagereadyprogram.com

Data Security

We use Secure Sockets Layer (SSL) encryption on all pages where personal data is collected. We also implement reasonable physical, administrative, and technical safeguards to protect your personal information. However, no data transmission or storage system can be guaranteed to be 100% secure. By using our Website and services, you acknowledge that no method of data transmission over the internet is entirely secure.

We will retain your personal information only for as long as necessary to provide our services or as required by law. For example, we may retain data related to your credit repair for up to 5 years.

In the event of a data breach, we will notify affected individuals within 30 days of identifying the breach, in compliance with applicable state and federal laws, including the General Data Protection Regulation (GDPR).

Third-Party Links & Social Media

Our Website may contain links to third-party websites. We are not responsible for their privacy practices and encourage you to review their policies before providing any personal information.

How Anonymous Information is Collected and Used

When you browse MRP’s Website, you are able to do so anonymously. We do not collect personal information when you browse. However, we do have mechanisms that track pages visited as well as location data, logs and other communication data, and information about your computer and internet connection, including your IP address, operating system and browser type. When you are using our mobile application, we may similarly track these items as well as mobile network provider and geographic location.

Cookies & Tracking Technologies

We use cookies and tracking technologies to enhance your experience. You can manage cookie settings in your browser. Disabling cookies may impact functionality.

Your Rights

You have the right to:

Request the categories of personal information we’ve collected about you in the past 12 months.
Request the categories of third parties with whom we’ve shared your information.
Request correction or deletion of inaccurate information (subject to legal obligations under Gramm-Leach-Bliley Act).
Opt-out of the sale of your personal information (if applicable).

We may deny your request to delete personal information if it is necessary for us to complete a transaction, comply with a legal obligation, or fulfill any other purpose that justifies the retention of your data under applicable law. If you request deletion of your personal information, please note that we may no longer be able to provide our services to you, as they rely on your personal data.

Authorization to Act on Behalf of Client:

By signing up for our services, you grant us authorization to act on your behalf in disputes and negotiations with credit bureaus and creditors to improve your credit.

Notice to Users Outside of the United States

This Privacy Policy applies to users in the United States. If you are outside the U.S., please be aware that your information may be transferred to, stored, and processed in the U.S. where our servers are located.

Children’s Privacy

We do not collect personal information from children under 18 years old. If we discover that we have inadvertently collected such data, we will take steps to remove it.

Legal Disclaimer About No Legal Services Provided

We do not offer legal advice or services. Any legal services are provided through [Attorney Name or Partner Firm] and are separate from credit repair services.

Complaint Process for Dissatisfied Customers

If you are dissatisfied with our services, please contact us at admin@mortgagereadyprogram.com. You also have the right to file a complaint with the Consumer Financial Protection Bureau (CFPB) or your state’s attorney general.

Changes to This Privacy Policy

We may update this Privacy Policy periodically. Changes will be posted on this page, and by continuing to use our Website, you agree to the updated terms.

Advertising on Meta Platforms
Mortgage Ready Program actively runs advertising campaigns on Meta platforms, including Facebook and Instagram. Those campaigns may use cookies, pixels, and similar technologies to deliver and personalize ads, to measure campaign performance, and to understand how users interact with our ads and our website. When you interact with our ads or click through to our website we may collect technical information and combine it with Personal Information we maintain to improve our marketing. If you prefer not to receive personalized advertising, you may control ad personalization through your Meta account settings and through industry opt-out tools described in Section 6.

Customer Relationship Management and Third Party Service Providers
Keap, formerly Infusionsoft, is Mortgage Ready Program’s primary customer relationship management platform. Keap stores and processes contact information and helps us manage communications including email and SMS automation, appointment scheduling, and client records. Keap acts as a service provider processing data on our behalf under contract and is required to maintain appropriate security and confidentiality safeguards. We may share Personal Information with Keap and other trusted service providers as described in Section 5. Please review Keap’s privacy policy for details on how they handle personal data.

Contact Information

For questions about this Privacy Policy, contact us at:

Address: 4729 Frankford Ave, Philadelphia, PA 19124
Phone: 215-744-2100
Email: admin@mortgagereadyprogram.com

By using this Website, you confirm that you have read and agree to this Privacy Policy.