Privacy Policy
PRIVACY POLICY
**Home Plan Today, LLC**
(“Company,” “we,” “us,” or “our”)
**Effective Date: 12/1/2025**
Home Plan Today, LLC is committed to protecting your privacy and maintaining transparency regarding how we collect, use, disclose, and safeguard your personal information. This Privacy Policy explains our data practices and your rights under applicable federal and state laws, including the Fair Credit Reporting Act (FCRA), Gramm-Leach-Bliley Act (GLBA), and applicable consumer protection regulations.
—
1. INFORMATION WE COLLECT
We may collect personal information when you enroll in or participate in our mortgage readiness, credit education, and financial guidance services, or when you interact with our website, advertisements, or communication channels.
A. Personal Identification Information
* Full legal name
* Date of birth
* Mailing address
* Phone number
* Email address
* Government-issued identification (e.g., driver’s license or state ID)
B. Financial & Credit Information
* Social Security Number (encrypted and securely stored)
* Credit reports and related data from Experian, Equifax, and TransUnion accessed through authorized third-party credit monitoring services
* Credit account summaries, balances, and payment history
* Public record information appearing on consumer credit reports (if applicable)
C. Payment Information
* Billing address
* Payment method details (processed securely through PCI-compliant third-party payment processors)
**Note:** Home Plan Today does not store full credit card or banking details.
D. Usage, Device & Communication Information
* Website interaction data (pages visited, forms submitted, IP address, browser type)
* Cookies and tracking technologies
* Service participation history
* Call recordings (for quality assurance and compliance)
* Emails, SMS messages, and documents you voluntarily provide
—
2. HOW WE USE YOUR INFORMATION
We use your information solely for legitimate business, service delivery, and compliance purposes, including:
A. Mortgage Readiness & Credit Education Services
* Reviewing credit reports obtained through authorized monitoring
* Providing educational credit insights and mortgage readiness guidance
* Developing personalized action plans for financial improvement
**Home Plan Today does not guarantee credit score increases, loan approvals, or removal of specific credit items.**
B. Account Management & Client Support
* Verifying identity
* Responding to inquiries and service requests
* Providing program updates, reminders, and guidance
C. Billing & Administrative Operations
* Processing enrollment and monthly program fees
* Maintaining internal records
* Preventing fraud and unauthorized activity
D. Communications (Including SMS)
* Sending appointment confirmations and reminders
* Responding to client inquiries
* Providing service-related updates and follow-ups
* Delivering educational information related to mortgage readiness
Message frequency varies based on user interaction.
### E. Legal & Regulatory Compliance
* Compliance with applicable federal and state laws
* Responding to lawful requests from regulatory or legal authorities
We **do not sell, rent, or trade** your personal information.
—
3. SMS OPT-IN & TEXT MESSAGE COMMUNICATIONS
By providing your mobile phone number and opting in through our website forms, landing pages, advertisements, or direct consent during a consultation, you expressly consent to receive SMS messages from Home Plan Today, LLC.
**SMS messages may include:**
* Appointment confirmations and reminders
* Service-related notifications
* Follow-ups regarding credit readiness services
* Educational updates related to mortgage preparation
**Important SMS Disclosures:**
* Message and data rates may apply
* Message frequency varies
* Consent is not a condition of purchase
* You may opt out at any time by replying **STOP**
* For assistance, reply **HELP**
—
4. MOBILE INFORMATION SHARING STATEMENT
**No mobile information will be shared with third parties or affiliates for marketing or promotional purposes.**
Mobile information may only be shared with service providers strictly as necessary to deliver operational services (such as SMS delivery platforms), and only under confidentiality and data protection obligations.
—
5. CREDIT MONITORING & THIRD-PARTY SERVICES
Participation in our program requires active credit monitoring through a third-party provider such as MyFreeScoreNow or an equivalent service.
For administrative efficiency and continuity of service:
* Home Plan Today may use a company-owned credit card to pay required credit monitoring fees on your behalf
* Credit monitoring services are provided solely by the third-party provider
* Home Plan Today does not resell, mark up, or profit from credit monitoring services
* Access to credit data is used exclusively to support program services
—
6. HOW WE SHARE YOUR INFORMATION
We only share personal information when necessary to operate our services or as required by law.
Information may be shared with:
* Credit monitoring providers (authorized access only)
* Payment processors
* SMS and communication platforms
* Technology providers supporting business operations (non-sensitive data only)
* Legal or regulatory authorities when required
All service providers are contractually required to maintain confidentiality and comply with applicable privacy laws.
—
7. DATA SECURITY & HANDLING
We implement reasonable administrative, technical, and physical safeguards to protect your information, including:
* Data encryption (including AES-256 where applicable)
* Secure document upload portals
* Restricted internal access to sensitive data
* PCI-compliant payment processing
* Network security monitoring
No system is completely secure; however, we continuously review and improve our safeguards.
—
8. COOKIES & ONLINE TRACKING
Our website may use cookies and similar technologies for:
* Security and authentication
* Website analytics and performance monitoring
* Improving user experience
You may control or disable cookies through your browser settings; however, some features may not function properly.
—
9. YOUR PRIVACY RIGHTS
Depending on applicable law, you may have the right to:
* Request access to personal information we hold
* Request corrections to inaccurate information
* Request deletion of information where legally permissible
* Opt out of SMS or email communications
* Cancel services in accordance with your Client Agreement
Requests may be submitted using the contact information below.
—
10. DATA RETENTION
We retain personal information only as long as necessary:
* Active clients: retained for service delivery
* After cancellation: retained for up to five (5) years for legal, regulatory, and accounting purposes
Payment details are retained only by our payment processors.
—
11. CHILDREN’S PRIVACY
Our services are intended for individuals **18 years of age or older**.
We do not knowingly collect personal information from minors.
—
12. THIRD-PARTY LINKS
Our website may contain links to third-party websites.
We are not responsible for their privacy practices or content.
—
13. CHANGES TO THIS PRIVACY POLICY
We may update this Privacy Policy from time to time.
Updates will be posted on our website with a revised effective date.
—
14. CONTACT INFORMATION
For questions, concerns, or privacy-related requests:
**Home Plan Today, LLC**
[https://www.homeplantoday.
[info@homeplantoday.info](