1. Rate Guardian – Mission Statement
1.1. 📈 Rate Guardian – 3-Year Growth Targets
1.1.1. Year 2: Private Label Expansion
1.1.2. Year 1: Proof of Concept (MVP Launch)
1.1.3. Year 3: Scale Across Financial Products
2. Phase 1 – Proof of Concept
2.1. Client Database Setup
2.1.1. Custom Fields Mapping
2.1.2. Database Import Checklist
2.2. Rate Monitoring & Triggers
2.2.1. 12% Threshold Logic
2.2.2. Round Down to Nearest 1/8%
2.3. Alerts and Advanced Triggers
2.3.1. Daily Rate Guardian Hit List (Admin)
2.3.2. Refi Opportunity Trigger
2.3.3. ARM Maturity Trigger
2.3.4. Engage Manual Approval Workflow
2.3.5. Stay the Course Monthly Emails
2.4. Tagging & Pipelines
2.4.1. Rate_Eligible Tag
2.4.2. Rate_Guardian Tag
2.4.3. Pending_Engagement Tag
2.4.4. ARM_Reset_Alert Tag
2.4.5. Rate_Hit_Today Tag
2.5. Client Communications Templates
2.5.1. Client Offer/Savings Visual
2.5.2. Email Templates
2.5.3. SMS Scripts
3. Phase 2 – SaaS Expansion Plan
3.1. Public Subscriber Funnel
3.1.1. Free Signup Landing Page
3.1.2. Single Universal Intake Form
3.1.3. Enrollment CTA
3.2. Instant Offer Automation
3.2.1. Instant Calculation and Offer Send
3.2.2. Manual Live Data Entry Offer
3.3. Private Label Packaging
3.3.1. Partner/Licensee Onboarding
3.3.2. SaaS Platform Structure
3.3.3. Subscription Pricing Models
4. Intellectual Property Protection
4.1. IP Inventory Sheet
4.2. Trademark Protection
4.2.1. Broader Wording for Mortgage + Financial Products
4.2.2. Class 036 – Financial Services
4.3. Copyright Registration
4.3.1. Email Templates
4.3.2. Client Offer Reports
4.4. Trade Secrets
4.4.1. Proprietary Processes
4.4.2. NDAs for Contractors