Terms of Use

Last Updated: September 27, 2025

Introduction

Welcome to Prosper Business Credit ("we," "us," or "our"). These Terms of Use ("Terms") govern your access to and use of our website www.prosperbusinesscredit.com (the "Website"), including any content, functionality, and services offered on or through the Website. By accessing or using the Website, you agree to be bound by these Terms. If you do not agree with these Terms, please do not use the Website.

Eligibility

You must be at least 18 years of age to use our Website. By using the Website, you represent and warrant that you meet this age requirement and have the legal capacity to enter into these Terms.

Use of the Website

1. Permitted Use

You may use the Website only for lawful purposes and in accordance with these Terms. You agree to use the Website in a manner that does not infringe upon the rights of others or restrict their use and enjoyment of the Website.

2. Prohibited Conduct

• Use the Website in any way that violates applicable laws or regulations.
• Engage in unauthorized access to or interference with the Website, its servers, or networks.
• Upload or transmit viruses, malware, or any other harmful code.
• Attempt to reverse-engineer, decompile, or otherwise extract the source code of the Website.
• Post, upload, or share content that is unlawful, defamatory, obscene, or otherwise objectionable.
• Use automated systems (e.g., bots, scrapers) to access or collect data from the Website without our express permission.

Intellectual Property

All content on the Website, including text, graphics, logos, images, and software, is the property of Prosper Business Credit or its licensors and is protected by copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, modify, or create derivative works of any content without our prior written consent, except as permitted by applicable law.

User-Generated Content

If you submit content to the Website (e.g., comments, reviews, or other materials), you grant us a non-exclusive, worldwide, royalty-free, perpetual license to use, reproduce, modify, and distribute such content for the purpose of operating and promoting the Website. You represent and warrant that you own or have the necessary rights to submit such content and that it does not violate these Terms or applicable laws.

Third-Party Links and Services

The Website may contain links to third-party websites or services that are not owned or controlled by us. We are not responsible for the content, policies, or practices of these third-party sites or services. You access them at your own risk.

Disclaimers

The Website is provided on an "as-is" and "as-available" basis. We make no warranties, express or implied, regarding the Website's operation, availability, or fitness for a particular purpose. To the fullest extent permitted by law, we disclaim all warranties, including but not limited to implied warranties of merchantability and fitness for a particular purpose.

Limitation of Liability

To the fullest extent permitted by law, Prosper Business Credit and its affiliates, officers, employees, or agents will not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of the Website, even if advised of the possibility of such damages. Our total liability for any claim arising from these Terms or your use of the Website will not exceed $100.

Indemnification

You agree to indemnify and hold harmless Prosper Business Credit, its affiliates, officers, employees, and agents from any claims, liabilities, damages, or expenses (including reasonable attorneys' fees) arising from your use of the Website, violation of these Terms, or infringement of any third-party rights.

Termination

We reserve the right to suspend or terminate your access to the Website at our sole discretion, without notice, for any reason, including if we believe you have violated these Terms. Upon termination, your right to use the Website will immediately cease.

Governing Law and Dispute Resolution

These Terms are governed by the laws of the USA. Any disputes arising from these Terms or your use of the Website will be resolved in the courts of Eagle County, Colorado, and you consent to the exclusive jurisdiction and venue of such courts.

Changes to These Terms

We may update these Terms from time to time to reflect changes in our practices or legal requirements. We will notify you of significant changes by posting the updated Terms on the Website with a revised "Last Updated" date. Your continued use of the Website after such changes constitutes your acceptance of the updated Terms.

Thank you for using our Website.