Data minimization
We ask only for information needed to produce and save a readiness plan. The pilot does not request bureau credentials, report uploads, a Social Security number or full account numbers.
Trust is a product requirement
Your financial life is not inventory.
Our operating standard is simple: collect less, explain more, separate advice from advertising, and keep the consumer in control.
Our baselineMinimum data.
Maximum clarity.
Maximum clarity.
No SSN requested in this pilot
The trust standard
Six commitments designed into the product.
Explainable actions
Every recommended action includes the reason, timing and limitation. We do not label an educational estimate as a credit score or lending decision.
Consumer control
You choose what to enter, can mark work complete, and can permanently delete your private plan and comparison workspace.
Accuracy over automation
We do not generate blanket disputes, encourage false claims or represent that accurate negative information can lawfully be erased.
Commercial transparency
Sponsored relationships are labeled. Compensation does not change objective action priority or determine which product is called best.
Secure-by-default growth
New data types, vendors and integrations require a documented need, access controls, retention limits and security review before launch.
The offer firewall
Advice and advertising occupy different lanes.
A free financial platform can have commercial partners without turning every consumer question into a sales opportunity. The separation must be visible and enforceable.
Readiness analysis
Independent layerGoal and self-reported factors set the action order.
Optional marketplace
Explicit disclosureEligibility, cost and suitability filters come before payout.
Consumer decision
No “pre-approved” claim without substantiation.
Data lifecycle
What happens to information.
DataWhy it existsWhat we avoidControl
Account identitySeparate each private workspaceNo bureau login credentialsSign out or delete workspace
Readiness selectionsGenerate a goal-based planNo hard credit inquiryReplace with a new assessment
Manual bureau comparisonHelp you spot differencesNo full account numbers or report filesRemove entries individually
Partner interestRespond to an explicit requestNo silent lead resaleConsent required
Pilot boundaries
BorrowAware currently provides self-service educational planning and organization tools. It is not a consumer reporting agency, lender, mortgage broker, financial adviser, law firm or credit-repair organization. It does not determine eligibility or guarantee outcomes.
Read the full credit disclosure →Security pathway
Before adding report uploads, external bureau data, payments or broad public authentication, the product roadmap requires fintech counsel review, a written security program, vendor assessments, incident response, access logging and applicable state/federal compliance mapping.
Read the privacy notice →