Transform Your Financial Future

Effective Date: January 1, 2024

1. Information We Collect

We collect information you provide directly to us, such as when you create an account, enroll in courses, or contact us. This includes:

• Personal identifiers (name, email address, phone number)
• Payment information (processed securely by third-party providers)
• Educational progress and course completion data
• Communication preferences and marketing consent

2. How We Use Your Information

We use your information to:

• Provide educational services and customer support
• Process payments and manage your account
• Send educational materials and course updates (with consent)
• Improve our services and develop new offerings
• Comply with legal obligations and protect our rights

3. Information Sharing

We do not sell your personal information. We may share information with:

• Service providers who assist in our operations
• Legal authorities when required by law
• Business partners for joint educational programs (with consent)

4. Your Rights

Under GDPR and applicable privacy laws, you have the right to:

• Access and receive a copy of your personal data
• Correct inaccurate or incomplete information
• Delete your personal data (subject to legal obligations)
• Restrict or object to processing
• Data portability
• Withdraw consent at any time

5. Data Security

We implement appropriate technical and organizational measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction.

6. Contact Us

For privacy-related questions or to exercise your rights, contact us at:

Email: [email protected]
Phone: +1 (212) 555-0847
Address: 1247 Broadway Suite 3401, New York, NY 10001

Effective Date: January 1, 2024

1. Acceptance of Terms

By accessing or using ProsperJourney's services, you agree to be bound by these Terms of Service and all applicable laws and regulations.

2. Description of Service

ProsperJourney provides financial education courses, coaching services, and educational resources. Our services are for educational purposes only and do not constitute financial advice.

3. User Responsibilities

You agree to:

• Provide accurate and complete information
• Use services only for lawful purposes
• Respect intellectual property rights
• Not share account access with others
• Maintain the confidentiality of your account

4. Payment Terms

Course fees are due upon enrollment. Refunds are available within 30 days of purchase if less than 25% of course content has been accessed.

5. Intellectual Property

All course materials, content, and resources are proprietary to ProsperJourney and protected by copyright laws. Users receive a limited license for personal educational use only.

6. Disclaimers

Important: Our educational content is for informational purposes only and does not constitute investment advice, financial planning, or recommendations to buy or sell securities. Past performance does not guarantee future results. Always consult with qualified financial professionals before making investment decisions.

7. Limitation of Liability

ProsperJourney's liability is limited to the amount paid for services. We are not liable for investment losses or financial decisions made based on educational content.

8. Contact Information

For questions about these terms, contact us at:
Email: [email protected]
Phone: +1 (212) 555-0847

Last Updated: January 1, 2024

What Are Cookies

Cookies are small text files stored on your device when you visit our website. They help us provide a better user experience and analyze site usage.

Types of Cookies We Use

Essential Cookies

These cookies are necessary for the website to function properly. They enable core functionality such as security, network management, and accessibility.

Analytics Cookies

We use these cookies to understand how visitors interact with our website by collecting and reporting information anonymously.

Marketing Cookies

These cookies track visitors across websites to display relevant advertisements and measure campaign effectiveness.

Cookie Preferences

Managing Cookies

You can control and delete cookies through your browser settings. However, disabling certain cookies may affect website functionality.

Contact Us

For questions about our cookie policy, contact us at [email protected] or +1 (212) 555-0847.

Effective Date: January 1, 2024

Digital Millennium Copyright Act (DMCA) Compliance

ProsperJourney respects the intellectual property rights of others and expects users to do the same. We respond to valid DMCA takedown notices and comply with the Digital Millennium Copyright Act.

Reporting Copyright Infringement

If you believe that content on our website infringes your copyright, please provide our designated agent with the following information:

• A physical or electronic signature of the copyright owner or authorized representative
• Identification of the copyrighted work claimed to be infringed
• Identification of the infringing material and its location on our website
• Your contact information (address, phone number, email)
• A statement that you have a good faith belief that the use is not authorized
• A statement that the information is accurate and you are authorized to act on behalf of the copyright owner

Designated DMCA Agent

ProsperJourney DMCA Agent
Email: [email protected]
Phone: +1 (212) 555-0847
Address: 1247 Broadway Suite 3401, New York, NY 10001

Counter-Notification

If you believe your content was removed in error, you may submit a counter-notification containing:

• Your physical or electronic signature
• Identification of the removed content and its former location
• A statement under penalty of perjury that the removal was due to mistake or misidentification
• Your contact information and consent to jurisdiction

Repeat Infringer Policy

We reserve the right to terminate accounts of users who are repeat infringers of copyright.

Contact Information

For all DMCA-related matters, contact our designated agent at [email protected] or +1 (212) 555-0847.