Terms of Service
Rising Keys is operated by Ryland Partners. Our complete terms of service apply to all purchases, educational materials, and services accessed through this site.
Educational guidance, not advice: Rising Keys provides educational and strategic guidance about mortgage readiness. We do not provide legal, financial, tax, or mortgage lending advice. Consult a licensed professional for advice specific to your situation.
No guarantees: We do not guarantee mortgage approval, credit score changes, or removal of accurate credit information. Individual results vary.
Refund policy: The 30-Day Action Plan ($27) is backed by our 30-day "Smarter Move" Guarantee — full refund within 30 days of purchase, no questions asked. The Expert Review ($97) is non-refundable once the review is completed.
Subscriptions: Credit monitoring services are provided by third-party partners. Cancellation must be processed through the partner directly per the terms shown at signup.
Last updated: 2026-06-07. The authoritative version is the parent policy linked above.