Privacy Policy

1. Information We May Collect

The information collected depends on how you interact with Prosper Path Co. and which services you use.

• Name, email address, telephone number, and mailing address.
• Information submitted through contact or inquiry forms.
• Enrollment, identity-verification, credit-report, and account information submitted through an authorized secure portal.
• Service selections, agreements, payment status, and account communications.
• Technical information such as browser type, device type, IP address, referring page, and website activity.
• Records of emails, text messages, telephone calls, and customer support communications where permitted by law.

2. How Information May Be Collected

Information may be collected when you:

• Visit or interact with the website.
• Submit a contact form or request information.
• Enroll through DisputeFox or another authorized platform.
• Sign an agreement or upload a document.
• Make or authorize a payment.
• Communicate with Prosper Path Co.
• Use a client portal or credit-monitoring connection.

3. How We May Use Information

Prosper Path Co. may use information to:

• Respond to questions and support requests.
• Process enrollment and establish a client account.
• Provide contracted credit education and repair services.
• Review documents and communicate about account activity.
• Process lawful billing and maintain business records.
• Operate, secure, troubleshoot, and improve the website.
• Comply with contracts, legal duties, and regulatory requests.
• Prevent fraud, identity theft, unauthorized access, and misuse.
• Send service-related emails or text messages when the recipient has provided appropriate contact information and consent.

4. Credit and Identity Information

Credit repair services may require access to sensitive information, including credit reports, identity-verification documents, correspondence from consumer reporting agencies, and account information.

Access should be limited to authorized personnel and service providers who require the information to perform legitimate business functions.

5. DisputeFox and Other Service Providers

Prosper Path Co. may use DisputeFox and other authorized providers for client enrollment, electronic signatures, account management, secure document exchange, billing, communications, analytics, hosting, credit-monitoring connections, and technical support.

These providers may process information according to their own privacy policies and contractual responsibilities. Visitors and clients should review applicable third-party terms and privacy notices before submitting information through an external platform.

6. When Information May Be Shared

Prosper Path Co. does not sell personal information for money. Information may be disclosed when reasonably necessary to:

• Provide requested or contracted services.
• Use authorized software, hosting, billing, and support providers.
• Process an authorized transaction.
• Comply with a subpoena, court order, or legal requirement.
• Investigate fraud, misuse, security threats, or unlawful activity.
• Protect the rights, safety, and property of clients or others.
• Complete a lawful business reorganization, merger, acquisition, or transfer with appropriate safeguards.

7. Cookies and Website Analytics

This Squarespace website may use cookies and similar technologies that support website functionality, security, performance, preferences, and analytics.

Browser settings may allow visitors to block or delete cookies. Certain website features may not function correctly when cookies are disabled.

8. Communications

Prosper Path Co. may send administrative or service-related communications concerning enrollment, documents, payments, portal activity, or client support.

Marketing emails should include an unsubscribe method where required. Requesting removal from marketing communications does not necessarily stop important transactional or account-related messages.

Text-message frequency may vary. Message and data rates may apply. Consent to receive marketing text messages should not be required as a condition of purchasing services unless permitted by law.

9. Information Security

Prosper Path Co. seeks to use reasonable administrative, technical, and physical safeguards appropriate to the type of information maintained.

No website, email system, database, or internet transmission can be guaranteed completely secure. Clients are responsible for using strong passwords, protecting portal credentials, and promptly reporting suspected unauthorized access.

10. Data Retention

Information may be retained for as long as reasonably necessary to provide services, maintain business and compliance records, resolve disputes, enforce agreements, prevent fraud, and satisfy legal obligations.

Information that is no longer required should be deleted, destroyed, or de-identified in accordance with applicable record-retention and security practices.

11. Your Choices and Requests

Subject to applicable law and recordkeeping requirements, you may contact Prosper Path Co. to:

• Request access to certain personal information.
• Request correction of inaccurate contact information.
• Ask questions about how information is handled.
• Withdraw optional marketing communication consent.
• Request deletion of information that is no longer required.

Prosper Path Co. may need to verify identity before fulfilling a privacy request.

12. Children’s Privacy

This website and Prosper Path Co. services are intended for adults. Prosper Path Co. does not knowingly offer credit repair services to children under 18 or intentionally collect personal information from children through this website.

13. External Links

This website may contain links to DisputeFox, credit-monitoring providers, social media platforms, and other third-party websites. Prosper Path Co. is not responsible for the privacy practices, content, or security of independent third parties.

14. Changes to This Policy

Prosper Path Co. may update this Privacy Policy when business practices, technology, services, or legal obligations change. The latest effective date will appear at the top of the page.