PLEASE READ THESE TERMS AND CONDITIONS OF USE CAREFULLY. BY USING THIS WEBSITE, YOU AGREE TO THESE TERMS AND CONDITIONS.
Services offered by ProsperU Academy (“ProsperU,” “we,” “us,” or “our”) may not be available in all states. Please review our Website or contact us for current availability and eligibility.
Your access to and use of www.prosperuacademy.com (the “Site”) is governed by these Terms & Conditions (“Terms of Use”) and all applicable laws. These Terms of Use apply exclusively to your use of this Site and do not alter the terms of any separate service agreement or client engagement you may have with ProsperU.
ProsperU may update or modify these Terms of Use at any time in its sole discretion by posting revised terms on the Site. Your continued use of the Site following any such changes constitutes your acceptance of the updated Terms. If you do not agree with these Terms of Use, our Privacy Policy, or any other policy referenced here, you should discontinue use of the Site immediately.
For questions about these Terms or your use of the Site, please contact us at:
1. Privacy
We respect your privacy and are committed to transparent data practices. Please review our Privacy Policy, which explains how we collect, use, and protect your personal information. Your use of the Site constitutes your acknowledgment and acceptance of our Privacy Policy.
2. Intellectual Property & Copyright
Unless otherwise indicated, all content on the Site — including but not limited to the ProsperU name, logo, designs, text, graphics, images, videos, tools, and the overall look and feel (“Materials”) — are owned by or licensed to ProsperU and are protected by copyright, trademark, and other intellectual property laws.
You may electronically copy or print portions of the Site for your own personal, non-commercial use only. Any other use — including copying, modifying, distributing, republishing, displaying, or creating derivative works — without our prior written consent is strictly prohibited.
3. Access to Services & Accounts
The Site may allow you to create an account with a unique username and password to access certain online tools, portals, or services (“Online Services”).
4. Trademarks
“ProsperU Academy,” the ProsperU logo, and any other names, logos, taglines, or service marks used on the Site are trademarks or registered trademarks of ProsperU or its licensors. You may not use, copy, imitate, or modify any ProsperU trademarks without our prior written permission.
All other trademarks, service marks, and logos appearing on the Site are the property of their respective owners.
5. User-Uploaded Content
If the Site or your client portal allows you to upload documents or content (such as credit reports, dispute correspondence, financial information, or other materials):
6. Submissions & Communications
Any materials or information you send to ProsperU via email, web forms, upload, or other means — including questions, comments, ideas, suggestions, plans, or feedback (collectively, “Submissions”) — are considered non-confidential (other than sensitive financial or personal information governed by our Privacy Policy).
You grant ProsperU a non-exclusive, worldwide, perpetual, royalty-free license to use, reproduce, modify, adapt, publish, or incorporate such Submissions into our services, communications, or operations, in any medium, for legitimate business purposes.
7. Service Descriptions
We work to describe our services, programs, memberships, and digital resources as accurately as possible. However, ProsperU does not warrant that descriptions, pricing, or other content on the Site are always accurate, complete, current, or error-free.
If a service is not as described, your sole remedy is to discontinue use of the service in accordance with the applicable service or client agreement.
All prices listed on the Site are in U.S. dollars and are valid only in the United States unless otherwise stated.
8. Terms of Use for ProsperU Services
Your enrollment in any ProsperU program, membership, coaching package, dispute-assistance service, or subscription is governed by the ProsperU Service Agreement or client agreement applicable to that offering.
If there is any conflict between these Terms of Use and a specific ProsperU Service Agreement, the Service Agreement will control with respect to that service.
9. You Are Responsible for Your Financial Decisions
ProsperU provides educational content, coaching, and tools for credit and financial literacy. We are not a law firm, financial advisor, or fiduciary.
Your use of any information from ProsperU is at your discretion and risk.
10. Inappropriate Content
ProsperU reserves the right, but not the obligation, to remove or restrict any content or uploads that, in our sole judgment, may:
We may take any action we deem appropriate, including removing content, suspending access, or terminating accounts.
11. Online Conduct & Intellectual Property Respect
You agree to use the Site only for lawful purposes. You agree not to upload, post, or transmit any content that:
ProsperU respects the intellectual property rights of others and may terminate or restrict accounts of users who repeatedly infringe those rights.
12. Content Monitoring & Disclosure
ProsperU may, at its discretion, monitor certain areas of the Site or client platforms and may disclose any content or communications:
We retain the right — but not the obligation — to edit, remove, or restrict any activity or content that we believe may be harmful, unlawful, or in violation of these Terms.
13. Use By Children
The Site and services are intended for adults 18 years of age or older. We do not knowingly offer services to or collect information from individuals under 18. By using the Site, you represent that you are at least 18 years old.
14. Indemnification
You agree to defend, indemnify, and hold harmless ProsperU, its officers, owners, employees, contractors, affiliates, and agents from and against any claims, damages, losses, liabilities, costs, or expenses (including reasonable attorneys’ fees) arising out of or related to:
15. Disclaimer of Warranties
EXCEPT WHERE PROHIBITED BY LAW, THE SITE, MATERIALS, AND SERVICES PROVIDED BY PROSPERU ARE OFFERED ON AN “AS IS” AND “AS AVAILABLE” BASIS WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED.
PROSPERU DISCLAIMS ALL WARRANTIES, INCLUDING BUT NOT LIMITED TO:
We do not warrant that:
Your use of the Site is at your sole risk.
16. Limitation of Liability
TO THE MAXIMUM EXTENT PERMITTED BY LAW, IN NO EVENT SHALL PROSPERU OR ITS OWNERS, OFFICERS, DIRECTORS, EMPLOYEES, OR AGENTS BE LIABLE FOR ANY:
ARISING OUT OF OR RELATED TO YOUR USE OF, OR INABILITY TO USE, THE SITE OR SERVICES, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
IN NO EVENT SHALL PROSPERU’S AGGREGATE LIABILITY TO YOU EXCEED THE AMOUNT YOU PAID TO PROSPERU FOR ACCESSING THE SITE OR SERVICES DURING THE 3-MONTH PERIOD PRIOR TO THE EVENT GIVING RISE TO THE CLAIM.
17. Links to ProsperU
You may create a limited, non-exclusive, revocable hyperlink to the Site, provided that the link:
We may revoke this permission at any time.
18. Third-Party Links
The Site may contain links to third-party websites or content. ProsperU does not control, endorse, or assume responsibility for any third-party sites, content, products, or services.
You access third-party sites at your own risk and should review the terms and privacy policies of those sites.
19. Severability & Non-Waiver
If any provision of these Terms of Use is found to be unlawful, void, or unenforceable, that provision will be deemed severable and will not affect the validity of the remaining provisions.
Our failure to enforce any right or provision under these Terms will not constitute a waiver of that right or provision.
20. Governing Law & Jurisdiction
These Terms of Use are governed by the internal laws of the State of Texas without regard to conflict of law principles.
By using the Site, you agree that any dispute arising out of or relating to these Terms or your use of the Site will be brought exclusively in the state or federal courts located in Dallas County/Texas, and you consent to the jurisdiction of such courts.
21. Termination
ProsperU may, in its sole discretion and without notice, suspend or terminate your access to the Site or services for any reason, including if we believe you have violated these Terms of Use.
22. Changes to These Terms
We may revise these Terms of Use at any time. The updated version will be posted on the Site with an updated “Last Updated” date. Continued use of the Site after changes are posted constitutes your acceptance of the revised Terms.
23. Refund / Guarantee Policy
Any money-back guarantee, refund policy, or satisfaction guarantee offered by ProsperU will be governed by the specific terms outlined in your ProsperU Service Agreement or program terms.
Please review the applicable program or membership terms for details regarding:
24. Communications From Us
By using the Site or providing your contact information, you agree that ProsperU may send you:
You may opt out of certain promotional communications by following the unsubscribe instructions in our emails or by contacting us, while still receiving essential account or service notifications.
25. Questions & Contact Information
If you have any questions about these Terms & Conditions or the Site, please contact:
ProsperU Academy LLC
Email: info@prosperuacademy.com
Address:
3010 Lyndon B. Johnson Fwy
Ste. 1222
Dallas, TX 75234
Last Updated:10/28/2025
ProsperU Academy (“ProsperU,” “we,” “our,” or “us”) owns and operates www.prosperuacademy.com (“Site”). We are committed to protecting your privacy and maintaining transparent data practices that reinforce trust as you engage with our educational tools, credit-building resources, and financial empowerment services.
By using this Site, you consent to this Privacy Policy, including how your information may be collected, used, and shared in accordance with the practices described below.
We may update this Privacy Policy as our digital ecosystem or regulatory environment evolves. When changes occur, the “Last Updated” date will be revised. Continued use of the Site after changes constitutes acceptance of the updated policy.
This Policy Covers:
1. What personal information does the ProsperU Site collect?
We collect personal information in several ways to support your enrollment, coaching experience, and access to dispute-assistance tools.
You may provide information when:
This information may include:
We may also collect information from trusted third-party platforms to help us tailor your experience and determine how ProsperU can best support your financial goals.
2. Cookies & How ProsperU Uses Them
ProsperU uses cookies to improve your browsing experience and personalize your dashboard and content recommendations.
Cookies help us:
Some pages require cookies to function properly. You may restrict cookies through your browser settings, though certain features may not operate as intended.
3. How ProsperU Uses Your Information
We use the information we gather to deliver a more intelligent and personalized service experience. This includes:
Your data fuels our ability to provide a high-touch, personalized financial empowerment system.
4. How Your Information Is Collected
We collect information through:
Direct Input:
Automated Data Collection:
Third-Party Sources:
Any third-party data is governed by the privacy notices of those external platforms.
5. Information Sharing Policy
ProsperU does not sell your personal information.
You are not granting us the right to sell or lease your data.
We only share your information with:
Service Providers
Vetted partners who help us:
These partners operate under strict confidentiality agreements.
Subsidiaries (If Applicable in the Future)
ProsperU may share data with directly controlled entities solely for operational purposes.
Compliance & Safety
We may disclose information if required by law, legal process, or to protect the rights and security of ProsperU or our users.
Aggregated Data
We may share non-identifiable, aggregate statistics (e.g., “20% of users enroll in coaching”) for analytics or partnerships.
This data never includes personal identifiers.
6. Your Choices Regarding Data Collection & Use
By using our Site, you acknowledge that:
We do not share your personal information with unrelated third parties for marketing purposes.
ProsperU does not provide legal advice; credit education and dispute assistance are governed by federal law (CROA).
7. How to Update or Delete Your Information
You may request to:
Contact Support: info@prosperuacademy.com
For account access issues, password resets, or profile updates, reach out to our team directly.
8. How ProsperU Protects Your Personal & Financial Information
We implement industry-standard security protocols to safeguard sensitive data, including:
We never share your financial or personal identifiers with unauthorized parties.
9. Security Precautions
Your ProsperU account is password-protected for confidentiality.
We strongly recommend:
While we invest in robust security infrastructure, no digital transmission is 100% secure. You acknowledge that internet data transfers carry inherent risks.
10. Children’s Privacy
ProsperU’s services are not intended for individuals under 18.
We do not knowingly collect or store information from minors.
If a minor’s data is discovered, it will be deleted promptly.
11. California Consumer Privacy Rights
If you are a California resident, you may have additional rights under the California Consumer Privacy Act (CCPA).
We will provide a dedicated California Privacy Notice upon request or through a posted link on our Site.
12. Additional Online Privacy Considerations
Any information you post publicly — on forums, social media, or community spaces — can be accessed by others.
Exercise caution when sharing identifiable information outside the ProsperU secure environment.
You are fully responsible for safeguarding your login credentials.
Policy Changes
We may update this Privacy Policy periodically.
Material changes will be posted on this page.
We encourage you to review this policy regularly to stay informed about how ProsperU protects your privacy and enhances your user experience.
Privacy Questions
If you have questions, concerns, or requests regarding this Privacy Policy, please contact:
ProsperU Academy
info@prosperuacademy.com
3010 Lyndon B. Johnson Fwy
Ste. 1222
Dallas, TX 75234
You have a right to dispute inaccurate information in your credit report by contacting the credit bureau directly. However, neither you nor any company or organization has the right to have accurate, current, and verifiable information removed from your credit report. The credit bureau must remove accurate, negative information from your report only if it is over 7 years old. Bankruptcy information can be reported for 10 years.
You have a right to obtain a copy of your credit report from a credit bureau. You may be charged a reasonable fee for obtaining said Credit Bureau. There is no fee, however, if you have been turned down for credit, employment, insurance, or a rental dwelling because of information in your credit report within the preceding 60 days. The credit bureau must provide someone to help you interpret the information in your credit file. You are entitled to receive a free copy of your credit report if you are unemployed and intend to apply for employment in the next 60 days, if you are a recipient of public welfare assistance, or if you have reason to believe that there is inaccurate information in your credit report due to fraud.
You have a right to sue an organization that violates the Credit Repair Organization Act. This law prohibits deceptive practices by financial organizations.
You may cancel this contract without penalty or obligation at any time before midnight of the 3rd business day after the date on which you signed the contract. See the below notice of cancellation form for an explanation of this right.
Credit bureaus are required to follow reasonable procedures to ensure that the information they report is accurate. However, mistakes may occur.
You may, on your own, notify a credit bureau in writing that you dispute the accuracy of information in your credit file. The credit bureau must then reinvestigate and modify or remove inaccurate or incomplete information. The credit bureau may not charge any fee for this service. Any pertinent information and copies of all documents you have concerning an error should be given to the credit bureau.
If the credit bureau's reinvestigation does not resolve the dispute to your satisfaction, you may send a brief statement to the credit bureau, to be kept in your file, explaining why you think the record is inaccurate. The credit bureau must include a summary of your statement about disputed information with any report it issues about you.
The Federal Trade Commission regulates credit bureaus and credit repair organizations. For more information contact:
The Public Reference Branch
Federal Trade Commission
Washington, D.C. 20580
Empowering You With Clarity, Confidence, and Control
At ProsperU, compliance isn’t a checkbox — it’s a cornerstone of how we operate. Our commitment to ethical practices, transparent expectations, and industry-leading accountability is designed to give you clean visibility into the credit improvement process from day one.
This page outlines your legal rights, how we protect your data, and the exact framework that governs credit repair organizations nationwide. Our goal is simple: make sure you always feel informed, protected, and in the driver’s seat of your financial future.
We operate under a strict internal governance model built to exceed regulatory expectations. This includes:
This infrastructure ensures that ProsperU remains a trusted partner while you navigate credit education and improvement with confidence.
Every consumer in the United States has protected rights regarding their credit data. Before engaging in any credit repair or credit education program, it’s essential to understand the protections afforded to you.
Below is the federally mandated disclosure that outlines your rights. We include it here verbatim to ensure complete transparency.
Under federal law, you have a three-business-day window to cancel any credit repair contract without penalty. ProsperU honors and simplifies this process with:
This reinforces our commitment to consumer-first operations and frictionless offboarding if needed.
Your financial data is handled with enterprise-level safeguards designed to mitigate risk and ensure data integrity. Our internal compliance architecture includes:
Our infrastructure supports the same governance cadence you'd expect from regulated financial services.
Setting the right expectations is crucial for long-term success. Here’s the compliance-aligned overview:
This clarity ensures we operate within federal guidelines while delivering a top-tier coaching and dispute support experience.
Our compliance team is here to support your journey. Whether you’re navigating disputes, reviewing credit laws, or simply want clarity on your protections, we’re ready to assist with high-touch, concierge-level guidance.
ProsperU Support Center
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