How we build
Privacy and accuracy come first.
Financial software asks for trust. These are the rules our products follow, and the safeguards behind them.
Our principles
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Soft pulls only.
Our products check credit with soft inquiries, which never affect a credit score.
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We never sell personal data.
Member data is never sold or handed to lenders.
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Personal details stay out of AI.
Names, Social Security numbers and other identifying details are removed before any AI model sees a credit file.
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Estimates, never promises.
We are not a lender or a broker and take no payment from lenders, so our analysis has no reason to steer anyone.
Redaction before AI
An automated step removes a member's name, Social Security number, date of birth, street address, phone, email and full account numbers before any AI model sees their credit data.
Removed
- Name
- Removed
- Social Security number
- Removed
- Date of birth
- Removed
- Street address
- Removed
- Phone and email
- Removed
- Full account numbers
- Removed
Kept for the analysis
- Account type
- Revolving, bankcard
- Limit and balance
- 8,000 and 6,560
- Payment history
- 31 months on time
Safeguards in FundReadi
What protects member data today.
Encrypted connections
All traffic between a member's browser, FundReadi's servers and its credit-data partner travels over HTTPS.
Encrypted storage
Credit reports are encrypted with AES-256 before they are stored.
No stored card numbers
Full card numbers go straight to the payment processor's secure vault; FundReadi keeps only the card brand, last four digits and expiration date.
Sign-in protection
Optional two-step sign-in with an authenticator app, and passkeys where the device supports them.
Limited staff access
A small number of staff can view member accounts through access-controlled admin tools, used for support, billing and running the service.
No data sales
Member data is never sold to third parties: no marketing partners, advertisers or data brokers.
Credit data and the law
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Written authorization
Credit data is requested only with the member's written authorization, through our credit-data partner, and used only for the member's own monitoring and analysis.
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Soft inquiries only
Every pull is a soft inquiry, which does not affect a credit score.
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Disputes stay with the member
If something on a file looks wrong, members dispute it directly with the bureau at no cost; we never dispute anything on a member's behalf.
Get in touch.
For partnerships, press or general questions, email info@advisorhub.io. FundReadi members can reach support at info@fundreadi.com.