Terms & Conditions

1. Acceptance of Terms

Prosper News Now ("we," "us," "our") operates prospernewsnow.com. This Terms & Conditions agreement governs your use of prospernewsnow.com and our services. By accessing and using Prosper News Now, you acknowledge that you have read, understood, and agree to be bound by these Terms. If you do not agree, please discontinue use of our site and services.

2. Services Description

Prosper News Now provides free financial education content including guides, calculators, glossary resources, and curated external links. All content is for informational and educational purposes only. Prosper News Now does not sell financial products, provide personalized financial advice, or act as a registered investment advisor, broker-dealer, or insurance agent.

3. User Eligibility

You must be at least 18 years old and have the legal authority to enter binding agreements to use our services. By using this site you represent and warrant that you meet these requirements.

4. User Information

You agree to provide accurate, complete, and current information when submitting any form on this site. You are responsible for ensuring the information you submit is truthful and up to date. Providing false or misleading information may result in termination of access to our services.

5. Privacy Commitment

YOUR PRIVACY IS PROTECTED — WE DO NOT SELL, RENT, OR SHARE YOUR PERSONAL INFORMATION FOR MARKETING PURPOSES.

• Your mobile information stays secure with Prosper News Now only
• No data selling to third-party marketers or data brokers
• SMS opt-in data remains confidential within Prosper News Now

Please review our full Privacy Policy for complete details.

6. Authorized Communications

By providing your contact information, you consent to receive communications from Prosper News Now related to your newsletter subscription, account updates, and service notifications. SMS communications require separate opt-in consent as described in our SMS Policy. Consent to SMS is optional and not required to use our services.

7. SMS Messaging Terms

Program: Prosper News Now SMS Marketing Program
Description: Marketing and informational messages regarding financial education content, new guides, tools, and other updates we think you may find of interest.
Message Frequency: Up to 4 promotional messages per month. Frequency may vary.
Rates: Message and data rates may apply. Carriers are not liable for delayed or undelivered messages.
Opt-Out: Reply STOP to unsubscribe at any time. You will receive one confirmation message, then no further messages.
Help: Reply HELP or email hello@prospernewsnow.com.
Consent: SMS consent is optional and not required to submit a form or use our services. Consent applies only to Prosper News Now and does not authorize any third party to contact you.

8. Disclaimer & No Financial Advice

All content published on Prosper News Now is for informational and educational purposes only. Nothing on this site constitutes financial, investment, tax, legal, or insurance advice. We are not a licensed financial advisor, broker-dealer, investment advisor, or insurance professional. Always consult a qualified professional before making any financial decisions.

9. Intellectual Property

All content on this website — including text, graphics, guides, logos, and code — is the property of Prosper News Now and is protected by applicable copyright and intellectual property laws. You may not reproduce, distribute, or create derivative works from any content without our explicit written permission. Personal, non-commercial use with proper attribution is permitted.

10. Limitation of Liability

Prosper News Now shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising from your use of our website, services, or any financial decisions made based on content found on this site. Your use of this site is at your sole risk.

11. Modifications

We reserve the right to modify these Terms at any time without prior notice. The "Last Updated" date at the top of this page will reflect the most recent changes. Continued use of our site following any changes constitutes your acceptance of the updated Terms.

12. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the United States and the state in which Prosper News Now operates, without regard to conflict of law provisions.