What it says
Here is what a HELOC is, here is how one generally works, here are the terms you will see on the paperwork, here is what this institution has approved you to know about theirs.
THE GAP
A checking account is easy. The rest of it is not.
Every one of these is a product a customer signs for and a term they will not be able to define a week later.
- APR vs APY
- Credit utilisation
- Mortgage points
- Fixed vs adjustable
- HELOCs
- 401(k)
- Roth vs traditional
- CDs
- Overdraft
- Business credit
- Compound interest
- Amortisation
TODAY
Disclosure → signature → “I have read and understood”
Technically information was provided, nobody learned anything.
WITH THIS
Explain → example → listen → check understanding → questions to ask you
And a record of what was presented and answered.
ONE · PRODUCT EDUCATION
Teach me HELOCs.
A customer considering a product scans or clicks and gets two minutes on what it is, how it generally works, the terminology they will encounter, and the information your institution has approved for that product. Then two questions, and a list of things worth asking you.
What it never says
You should get this, this is right for you, this is better than that. It does not recommend, rank, compare institutions or produce a number — it sends them back to a person to decide.
Education, not advice. That line is drawn in the product, not in a footnote.
TWO · FINANCIAL LITERACY
Free for every customer. Sponsored by you.
Credit, saving, budgeting, debt, investing basics, buying a home, retirement basics, fraud awareness — gamified, multilingual and tracked, so the institution can show what was delivered rather than only what was offered.
Most institutions advertise financial wellness. This is the part where you actually provide it.
- Kids
- Teens
- Young adults
- Families
- Small-business owners
- Older adults
Same engine. Different payload. A fourteen-year-old and a sixty-year-old learning about credit are not the same lesson, and they should not be.
THE SAME ENGINE, EVERY TIME
Explained, then actually learned.
Lessons
Two minutes on one product or one concept, in plain language, from your approved material.
Audio
Listen to it instead of reading a disclosure on a phone screen.
Games
Compound interest lands differently when someone plays it rather than reads it.
Drills and flashcards
Terminology practised until the words on the paperwork are familiar.
Knowledge checks
Two questions confirm it landed, on a record you can produce.
Thirteen languages
Delivered in the language the customer speaks at home, read aloud.
THE ASK
Send us one product disclosure. We will send back the lesson.
Pick the product your people explain most often and enjoy least. We will build it, in English and Spanish, and you can decide from there.
SEE IT ON ONE OF YOUR PRODUCTS