Privacy Policy
Privacy Policy
Effective Date: June 2024
1. Introduction
Welcome to Prosper, LLC (referred to as "we," "us," or "our"). We are committed to protecting your privacy and ensuring that your personal information is handled in a safe and responsible manner. This Privacy Policy outlines how we collect, use, disclose, and store your information when you visit our website and use our services, including business funding, corporate formation services, personal funding, and credit repair, in partnership with third-party vendors and affiliates.
2. Information We Collect
We may collect and process the following types of information about you:
Personal Identification Information: Name, email address, phone number, postal address, date of birth, and other identifiers. Financial Information: Bank account details, credit history, and other financial information necessary for providing our services. Business Information: Information related to your business, such as business name, address, and financial details. Technical Information: IP address, browser type, operating system, and other technical data collected through cookies and similar technologies. Usage Information: Information about your interactions with our website, such as pages visited, links clicked, and time spent on our site.
3. How We Use Your Information
We use the information we collect for the following purposes:
Service Delivery: To provide and manage the services you request, such as business funding, corporate formation, personal funding, and credit repair. Communication: To communicate with you about your account, our services, and promotional offers. Improvement: To improve our website, services, and user experience. Marketing: To send you marketing communications and advertisements through various channels, including email, social media, and other online platforms. Compliance: To comply with legal obligations and enforce our terms and policies.
4. Information Sharing and Disclosure
We may share your information with:
Third-Party Vendors and Affiliates: To provide the services you request, we may share your information with third-party vendors and affiliates, including lenders, service providers, and business partners.
Marketing Partners: We may share your information with marketing partners to deliver targeted advertisements and promotions.
Legal and Regulatory Authorities: We may disclose your information to comply with legal obligations or in response to valid legal requests.
5. Data Storage and Security
We implement appropriate technical and organizational measures to protect your personal information from unauthorized access, disclosure, alteration, or destruction. This includes secure storage solutions and encryption protocols.
6. Advertising and Marketing
We use various advertising sites, marketing channels, and social media accounts to promote our services. Your information may be used to personalize and improve the relevance of the advertisements you see. We may also use cookies and similar technologies to track your online activity and deliver targeted advertising.
7. Your Rights
You have the right to:
Access your personal information and request a copy. Correct or update any inaccurate or incomplete information .Request the deletion of your personal information. Opt-out of marketing communications.
To exercise any of these rights, please contact us at [Contact Information].
8. Changes to This Privacy Policy
We may update this Privacy Policy from time to time. Any changes will be posted on this page, and the effective date will be updated accordingly.
9. Contact Us
If you have any questions or concerns about this Privacy Policy, please contact us at:
By using our website and services, you consent to the terms of this Privacy Policy.
Prosper, LLC Guidlines
Loan Application Guidelines
Effective Date: June 2024
1. Introduction
At [Your Company Name], we are committed to providing transparent and fair loan application processes for all our clients. These guidelines outline the steps, requirements, and policies for applying for business funding, personal funding, and credit repair services through our platform.
2. Eligibility Criteria
To be eligible for a loan, applicants must meet the following criteria:
Age: Applicants must be at least 18 years old.
Residency: Applicants must be legal residents or citizens of the country in which they are applying for the loan.
Income: Applicants must demonstrate a stable source of income sufficient to repay the loan.
Credit History: Applicants must provide their credit history, which will be evaluated as part of the application process.
Business Information (for Business Loans): Applicants must provide detailed information about their business, including business plans, financial statements, and proof of business registration.
3. Application Process
The loan application process involves the following steps:
Initial Consultation: Applicants can request an initial consultation with one of our advisors to discuss their funding needs and determine eligibility.
Submission of Application: Applicants must complete and submit the loan application form available on our website, providing all required information and documentation.
Documentation: Required documents may include identification proof, income proof, business financial statements, credit reports, and any other documents deemed necessary by our team.
Review and Verification: Our team will review the application and verify the provided information. This may involve contacting third-party vendors and affiliates.
Credit Check: A credit check will be conducted as part of the evaluation process.
Approval Decision: Applicants will be notified of the approval decision within a specified time frame. If approved, the loan terms and conditions will be provided.
4. Required Documentation
Applicants must provide the following documentation as part of their loan application:
Personal Identification: Government-issued ID (e.g., passport, driver's license).Proof of Income: Recent pay stubs, tax returns, or bank statements.
Credit Report: A recent credit report from a recognized credit bureau.
Business Documents (for Business Loans): Business registration documents, financial statements, business plan, and proof of ownership.
5. Loan Terms and Conditions
Upon approval, the following loan terms and conditions will apply:
Interest Rates: Interest rates will vary based on the applicant's creditworthiness and loan type.
Repayment Schedule: A repayment schedule will be provided, outlining the due dates and amounts of each payment.
Fees: Any applicable fees, such as origination fees or late payment fees, will be clearly disclosed.
Collateral: Some loans may require collateral, which will be specified in the loan agreement.
6. Confidentiality and Data Protection
We are committed to protecting the confidentiality of our applicants' information. All personal and financial data provided during the application process will be stored securely and used solely for the purposes of evaluating and processing the loan application.
7. Applicant Responsibilities
Applicants are responsible for:
Providing accurate and complete information in their application.
Promptly responding to any requests for additional information or documentation.
Complying with the terms and conditions of the loan agreement.
8. Dispute Resolution
Any disputes arising from the loan application process or the loan agreement will be resolved through our internal dispute resolution process. Applicants may contact our customer service team at [Contact Information] for assistance.
9. Contact Us
For any questions or assistance with the loan application process, please contact us at:
By submitting a loan application, you agree to comply with these guidelines and the terms and conditions outlined herein.
Prosper, LLC Credit & Corporate Consulting Guidelines
Guidelines for Personal Credit Repair, Business Credit Consulting, and Corporate Formation
Effective Date: June 2024
1. Personal Credit Repair
1.1 Introduction
Our Personal Credit Repair services are designed to help individuals improve their credit scores by addressing inaccuracies and providing guidance on credit management. The following guidelines outline the process and requirements for utilizing our credit repair services.
1.2 Eligibility Criteria
To be eligible for credit repair services, clients must:
Be at least 18 years old.
Provide consent for us to access their credit reports from major credit bureaus.
Be willing to participate in the credit repair process and provide necessary documentation.
1.3 Service Process
Initial Consultation: Schedule an initial consultation to discuss credit issues and determine eligibility for services.
Credit Report Analysis: Obtain and review credit reports from major credit bureaus to identify inaccuracies and areas for improvement.
Dispute Process: Identify inaccurate, outdated, or unverifiable information and initiate disputes with credit bureaus and creditors.
Credit Education: Provide clients with education on credit management, budgeting, and debt reduction strategies.
Progress Monitoring: Monitor the progress of disputes and provide regular updates to clients.
1.4 Required Documentation
Clients must provide:
Government-issued ID (e.g., passport, driver’s license).Social Security number.
Copies of recent credit reports from major credit bureaus.
Any relevant financial documents requested by our team.
1.5 Confidentiality and Data Protection
We are committed to protecting the confidentiality of our clients’ information. All personal and financial data will be stored securely and used solely for the purposes of providing credit repair services.
2. Business Credit Consulting
2.1 Introduction
Our Business Credit Consulting services assist businesses in establishing and improving their credit profiles to secure better financing options and terms. These guidelines outline the steps and requirements for our business credit consulting services.
2.2 Eligibility Criteria
Businesses must:
Be legally registered entities.
Provide relevant business information and financial documents.
Have a dedicated contact person for coordination.
2.3 Service Process
Initial Assessment: Conduct an initial assessment of the business’s credit profile and financial status.
Credit Building Strategy: Develop a customized credit building strategy, including establishing trade lines and vendor accounts.
Credit Monitoring: Regularly monitor the business’s credit reports and scores to track progress.
Consultation Sessions: Provide ongoing consultation sessions to discuss strategies, answer questions, and adjust plans as needed.
Education and Training: Offer education on maintaining good business credit and financial management practices.
2.4 Required Documentation
Businesses must provide:
Proof of business registration and legal structure. Business financial statements (income statement, balance sheet, cash flow statement).Business tax returns. Relevant business credit reports.
2.5 Confidentiality and Data Protection
We prioritize the confidentiality of our clients’ business information. All data will be stored securely and used exclusively for providing credit consulting services.
3. Corporate Formation
3.1 Introduction
Our Corporate Formation services support entrepreneurs and businesses in legally establishing their companies. These guidelines outline the process and requirements for forming a corporation or other business entity through our services.
3.2 Eligibility Criteria
Clients must:
Be at least 18 years old.
Provide necessary information and documents for the formation process.
Be compliant with local, state, and federal regulations.
3.3 Service Process
Initial Consultation: Conduct an initial consultation to understand the client’s business goals and entity preferences.
Entity Selection: Assist clients in selecting the appropriate business entity type (e.g., LLC, C Corporation, S Corporation).
Document Preparation: Prepare and file the required formation documents with the relevant state authorities.
Registered Agent Services: Provide registered agent services as needed.
Compliance Support: Offer ongoing support for maintaining compliance with state and federal regulations, including annual filings and reports.
3.4 Required Documentation
Clients must provide:
Government-issued ID (e.g., passport, driver’s license).
Proposed business name and alternative names.
Business address.
Names and addresses of directors, officers, and members (if applicable).Relevant business licenses or permits.
3.5 Confidentiality and Data Protection
We ensure the confidentiality of our clients’ personal and business information. All data will be securely stored and used solely for the purposes of corporate formation.
4. Contact Us
For any questions or assistance with personal credit repair, business credit consulting, or corporate formation, please contact us at:
By using our services, you agree to comply with these guidelines and the terms and conditions outlined herein.
© 2022 Prosper, LLC - All Rights Reserved,