Terms & Conditions

The Mortgage Ready Method™ Powered by Rare Necessity Digital Agency Last Updated: August 26, 2026

1. Acceptance of Terms

By accessing this website, registering for The Mortgage Ready Method™ training, or submitting any form on this site (collectively, the "Site"), you agree to be bound by these Terms & Conditions. If you do not agree, please do not use the Site or register for our training.

2. Educational Purposes Only

The Mortgage Ready Method™ is a free training created for general educational purposes only. Nothing provided through this training, our website, our chat widget, our emails, or any related materials constitutes legal, financial, tax, credit repair, or mortgage advice. Participation in this training does not create a client, advisory, or professional relationship of any kind between you and Rare Necessity Digital Agency, Kylah Anthony, or any affiliated party.

3. No Guaranteed Results

Outcomes discussed in this training vary based on your individual credit history, income, debt levels, and the underwriting standards of each individual lender. Nothing in this training, on this website, or in any related communication guarantees mortgage approval, a specific credit score, loan terms, or any other particular outcome. Any testimonials, screenshots, or success stories shared reflect individual results and are not typical or guaranteed for any participant.

4. Not a Lender or Credit Repair Organization

Kylah Anthony and Rare Necessity Digital Agency do not originate mortgage loans, extend credit, or provide credit repair services for a fee. We are not a mortgage lender, mortgage broker, or credit repair organization as defined under applicable state or federal law.

5. Accurate Credit Information Cannot Be Removed

No one — including Rare Necessity Digital Agency or Kylah Anthony — can lawfully remove accurate, current, and verifiable information from your credit report, including bankruptcies and foreclosures. Under the Fair Credit Reporting Act (FCRA), most accurate negative information may be reported for up to seven (7) years, and a Chapter 7 bankruptcy may be reported for up to ten (10) years.

You have the right to dispute inaccurate or unverifiable items yourself, directly with the credit bureaus, free of charge. You may also obtain free copies of your credit reports at AnnualCreditReport.com.

6. Email & SMS/Text Message Consent

By registering through this Site, you agree to receive emails and text messages from Rare Necessity Digital Agency / The Mortgage Ready Method™ related to your registration, including event reminders and marketing communications where you have separately opted in via the consent checkbox.

Message and data rates may apply. Message frequency varies.

Consent to receive text messages is not a condition of registering for this training or any purchase.

Reply STOP to opt out of text messages at any time, or HELP for assistance.

You may unsubscribe from marketing emails at any time using the link in each email.

See our Privacy Policy for full details on how we handle your information.

6A. Age Requirement

You must be at least 18 years of age to opt in to receive text messages from us, register for this training, or otherwise use this Site. By registering or opting in, you represent and warrant that you are 18 years of age or older.

6B. Carrier Liability Disclaimer

Mobile carriers, including but not limited to AT&T, Verizon, T-Mobile, and other wireless carriers, are not liable for delayed or undelivered messages. Message delivery depends on your carrier's network and your device, and Rare Necessity Digital Agency is not responsible for any delay, failure, or error in delivery caused by your carrier or device.

7. Testimonials & Results Disclaimer

Any testimonials, case studies, or results referenced on this Site or during the training represent the experiences of specific individuals and are not a guarantee or prediction of what any other participant may experience. Individual results depend on many factors outside our control.

8. Intellectual Property

"The Mortgage Ready Method™" and all related content, materials, branding, and trademarks are the property of Kylah Anthony and/or Rare Necessity Digital Agency. You may not reproduce, distribute, or create derivative works from this content without our prior written permission.

9. No Professional Relationship

Your registration for, or attendance of, this training does not create an attorney-client, advisor-client, fiduciary, or any other professional relationship between you and Rare Necessity Digital Agency, Kylah Anthony, or any presenter.

10. No Affiliation with Government Agencies, Credit Bureaus, Lenders, or Meta

Rare Necessity Digital Agency and The Mortgage Ready Method™ are not affiliated with, endorsed by, or sponsored by any government agency, consumer credit reporting agency, mortgage lender, or Meta Platforms, Inc. (Facebook/Instagram).

11. Limitation of Liability

To the fullest extent permitted by law, Rare Necessity Digital Agency, Kylah Anthony, and their respective officers, employees, and agents shall not be liable for any direct, indirect, incidental, consequential, or special damages arising from your use of, or inability to use, the Site or the training content, including any decisions you make based on the information provided.

12. Indemnification

You agree to indemnify and hold harmless Rare Necessity Digital Agency and Kylah Anthony from any claims, damages, losses, or expenses arising from your use of the Site or violation of these Terms.

13. Governing Law

These Terms are governed by the laws of the State of [Insert State], without regard to its conflict of law principles.

14. Changes to These Terms

We may revise these Terms at any time. Continued use of the Site after changes are posted constitutes your acceptance of the revised Terms. The "Last Updated" date above reflects the most recent revision.

15.SMS Communications
By providing your phone number and opting in, you consent to receive SMS messages from Kylah Financial LLC, including appointment reminders, program updates, and promotional offers. Message frequency varies. Message and data rates may apply. You may opt out at any time by replying STOP. For help, reply HELP or contact us at [SUPPORT_EMAIL] / [SUPPORT_PHONE]. Carriers are not liable for delayed or undelivered messages. You must be at least 18 years old to participate in our SMS program. See our Privacy Policy at [PRIVACY_POLICY_URL] for how your information is used.

16. Contact Us

Questions about these Terms can be directed to:

[Insert Business Name] [Insert Business Address] [Insert Contact Email] [Insert Contact Phone Number]

© 2026 Kylah Anthony. All rights reserved.

This document is provided as a starting template based on the disclosures you supplied and is not a substitute for legal advice. We recommend having a licensed attorney review these Terms before publishing, particularly given the mortgage/credit-related subject matter, to confirm compliance with applicable state and federal regulations (including FCRA, TCPA, and any state-specific credit services or advertising rules).