Terms & Conditions

1. Acceptance of Terms

By accessing or using this website, submitting a form, or interacting with Prosper Path Co., you agree to these Terms and Conditions and our Privacy Policy.

If you do not agree with these terms, please discontinue use of the website. You must be at least 18 years old and legally capable of entering into an agreement to purchase services.

2. General Website Information

The information available on this website is provided for general educational and informational purposes only. It is not legal, tax, accounting, lending, investment, or financial-planning advice.

Visiting the website, reviewing pricing, or submitting a contact form does not automatically create a client relationship. A client relationship begins only after all required agreements, disclosures, identity-verification steps, and enrollment requirements have been completed.

3. Services

Prosper Path Co. may provide services including credit education, credit-report review, dispute assistance, strategy development, progress support, account communication, and related services described in the client’s written agreement.

Services may be delivered through DisputeFox, a secure client portal, credit-monitoring providers, electronic-signature platforms, or other approved third-party systems.

Prosper Path Co. does not create new credit identities, issue credit privacy numbers, encourage false statements, or promise the removal of accurate and current information.

4. No Guarantee of Results

Every credit profile is unique. Prosper Path Co. does not guarantee a specific credit score increase, deletion, loan approval, interest rate, financing offer, service timeline, or other financial result.

Results may depend on factors outside the company’s control, including the information appearing on the credit report, responses from consumer reporting agencies and data furnishers, documentation, client participation, payment history, new account activity, debt balances, and other financial behavior.

5. Consumer Rights Under CROA

Consumers who enter into a contract with a credit repair organization have rights under the federal Credit Repair Organizations Act.

Enrollment documents should include a separate Notice of Cancellation explaining how to exercise this right. Nothing contained on this website is intended to waive, limit, replace, or interfere with any right provided by federal or state law.

6. Pricing, Payments, and Billing

Prices displayed on the website are subject to confirmation in the written Credit Repair Service Agreement. The agreement will identify the selected service, applicable fees, payment timing, service period, and any recurring billing terms.

Prosper Path Co. will not knowingly collect payment for credit repair services before collection is permitted under applicable federal and state law.

Payments and enrollment may be processed through DisputeFox or another authorized provider. Clients are responsible for reviewing the payment terms presented during enrollment before authorizing a transaction.

For recurring plans, the written service agreement and payment authorization will explain the billing frequency, renewal terms, and method for stopping future authorized charges.

7. Cancellation and Refund Policy

Three-business-day cancellation right

A client may cancel the Credit Repair Service Agreement without penalty or obligation before midnight of the third business day after signing the agreement.

Instructions for exercising this right will be provided in the enrollment documents and Notice of Cancellation.

Cancellation after the federal cancellation period

After the three-business-day period expires, clients may request cancellation through the client portal, by email, or by telephone. The request will be handled according to the signed service agreement and applicable law.

Cancellation will stop future services and future authorized billing as described in the client’s agreement. A cancellation request does not automatically reverse fees lawfully earned for services already completed.

Refunds

Refund eligibility depends on the services completed, the client’s signed agreement, the timing of the cancellation, and applicable federal and state law.

Fees lawfully earned for completed services are generally non-refundable unless the written agreement or applicable law requires otherwise. Prosper Path Co. will not retain payment for services that were not performed when retaining that payment would violate applicable law.

8. Client Responsibilities

Clients agree to:

• Provide truthful, accurate, and complete information.
• Review agreements and disclosures before signing.
• Keep client-portal login credentials confidential.
• Respond promptly to document and information requests.
• Review correspondence received from credit bureaus and creditors.
• Notify Prosper Path Co. when contact information changes.
• Avoid submitting false documents or disputing information known to be accurate.
• Maintain any credit-monitoring service required under the agreement.

9. DisputeFox and Third-Party Services

Prosper Path Co. may use DisputeFox and other third-party service providers for enrollment, electronic signatures, document storage, billing, client communications, credit-report access, monitoring connections, progress tracking, website hosting, and technical support.

Third-party services may have separate terms, privacy policies, security procedures, technical requirements, and fees. Prosper Path Co. is not responsible for interruptions, system failures, or conduct controlled exclusively by an independent third-party provider.

10. Communications

By providing contact information, you authorize Prosper Path Co. to communicate with you regarding inquiries, enrollment, account activity, documents, billing, customer support, and service updates.

Message frequency may vary. Message and data rates may apply. Optional promotional communications may be declined using the unsubscribe or opt-out method provided.

11. Acceptable Use

You may not use this website, forms, or client portal to:

• Commit fraud or submit false or misleading information.
• Access another person’s account without authorization.
• Upload viruses, malicious code, or harmful material.
• Attempt to disrupt the website or client portal.
• Copy or commercially exploit protected website content.
• Engage in conduct that violates applicable law.

12. Intellectual Property

The Prosper Path Co. name, logo, branding, website design, text, graphics, downloads, and original materials are owned by or licensed to Prosper Path Co.

Website access does not grant permission to reproduce, sell, distribute, modify, publish, or create derivative works from protected content without written authorization.

13. Website Availability

Prosper Path Co. may update, modify, suspend, or discontinue portions of the website at any time. The company does not guarantee uninterrupted, error-free, or completely secure access to the website or any third-party portal.

14. Limitation of Liability

To the fullest extent permitted by law, Prosper Path Co. will not be responsible for indirect, incidental, special, punitive, or consequential damages arising from general website use, reliance on educational content, unauthorized account access, or the independent conduct of third-party providers.

Nothing in these terms limits rights or remedies that cannot legally be waived or limited under applicable consumer-protection law.

15. Indemnification

To the extent permitted by law, you agree to be responsible for claims, losses, or expenses arising from your unlawful use of the website, submission of false information, infringement of another party’s rights, or violation of these terms.

16. Governing Law

These website terms are governed by applicable federal law and the laws of the State of Texas, without limiting any non-waivable rights provided to consumers under federal or state law.

17. Changes to These Terms

Prosper Path Co. may update these Terms and Conditions when business practices, services, technology, or legal requirements change. The revised effective date will be displayed at the top of this page.

18. Severability

If any provision of these website terms is found unenforceable, the remaining provisions will continue in effect to the extent permitted by law.

19. Entire Website Terms

These Terms and Conditions and the Privacy Policy represent the general agreement governing use of this website. They do not replace or amend the separate written agreement governing paid credit repair services.