Questions, answered
Are you a lender?
No. We are not a lender, broker or loan originator and we do not arrange loans. We help you understand and compare offers you already have.
Do you pull my credit or need my Social Security number?
No. We never pull credit and never ask for your SSN. You can enter the scores you already know from each bureau — or choose “I don’t know”.
Why do you ask for three different credit scores?
TransUnion, Equifax and Experian can report different scores, and lenders may use different scoring models (for example, mortgage lenders often use specific FICO versions). We record each separately with its date and model. VantageScore and FICO are different models. An average of three scores is not necessarily what a lender will use.
Will the tool tell me which loan to take?
It ranks offers against the goals and weights you choose, and explains why. If information is missing, it says so. It is educational decision support, not individualized financial or legal advice — you make the decision.
Can a lender pay to be ranked higher?
No. No lender or partner can buy placement, edit calculations or see your data without your separate explicit authorization.
Do you connect to my bank accounts?
Not at launch. All information is entered by you or taken from documents you upload. Future integrations, if any, would be opt-in and clearly labeled.
Can you read my Loan Estimate automatically?
Not reliably, so we don’t pretend to. You upload the document and enter the values next to it, side by side. We never invent extracted numbers.
How many people can share a license?
Up to six household members, each with their own verified account. Sensitive information like scores, income and documents stays private unless each person chooses to share it.
What does “lifetime” mean?
Access to the purchased software tier for as long as we operate the service, with continuity commitments described in our draft terms, which are under legal review.
Can I install it on my phone?
Yes. The customer portal is a Progressive Web App you can add to your home screen from Safari on iPhone/iPad or Chrome on Android — no app store needed. The portal has step-by-step instructions.
Can I delete my data?
Yes. You can export all your data and delete your account from the portal’s settings at any time. Some payment records must be kept for accounting and legal reasons; they are minimized.
How much does it cost?
The introductory household lifetime license is a single payment of $250 (USD) — no subscription or renewal fee. Stripe’s card-processing fees are paid by us, not added at checkout.
Do you provide loan offers?
No. There is no loan marketplace and no live rates. You bring the quotes lenders give you; we help you understand and compare them.
What is the refund policy?
A final refund policy has not been published yet; it is pending legal review. The draft terms say a refund or chargeback ends the license. Please read the draft terms before buying and contact us with any questions.
What happens if I need help?
Contact us through the Contact page. We have not published a support schedule or response-time commitment yet.
More answers, with live examples, are in the questions & trust section of the homepage.