Terms of Service

Effective Date: January 19, 2025

Welcome to Prosperity Pathways LLC ("we," "us," or "our"). By accessing or using our website, services, or any of our digital platforms, you agree to be bound by these Terms of Service ("Terms"). Please read them carefully.

Acceptance of Terms

By accessing our website or using our services, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy. If you do not agree to these Terms, please do not use our services.

Description of Services

Prosperity Pathways LLC provides financial education resources, including but not limited to:

• Financial Health Scorecard assessments
• Educational content and resources about financial planning
• Information about financial products and services
• Connections to licensed financial professionals

User Eligibility

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

User Responsibilities

When using our services, you agree to:

• Provide accurate and complete information when requested
• Maintain the confidentiality of any account credentials
• Use our services only for lawful purposes
• Not attempt to gain unauthorized access to our systems or other users' accounts
• Not use our services to transmit spam, malware, or other harmful content
• Not reproduce, duplicate, or exploit any portion of our services without express permission

SMS/Text Message Communications

By providing your phone number and opting in to receive text messages, you agree to the following:

• You consent to receive SMS/text messages from Prosperity Pathways LLC at the phone number provided
• Messages may include appointment reminders, follow-ups, promotional content, and service updates
• Message frequency varies based on your interactions with us
• Message and data rates may apply depending on your mobile carrier
• You may opt out at any time by replying STOP to any message
• For assistance, reply HELP or contact [email protected]

Consent to receive text messages is not a condition of purchasing any goods or services.

Intellectual Property

All content on our website and platforms, including but not limited to text, graphics, logos, images, videos, and software, is the property of Prosperity Pathways LLC or its content suppliers and is protected by copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, modify, or create derivative works from our content without prior written consent.

Third-Party Links and Services

Our services may contain links to third-party websites or services that are not owned or controlled by Prosperity Pathways LLC. We have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party websites or services.

Disclaimer of Warranties

Our services are provided on an "as is" and "as available" basis without warranties of any kind, either express or implied. We do not warrant that our services will be uninterrupted, error-free, or free of viruses or other harmful components.

Limitation of Liability

To the fullest extent permitted by law, Prosperity Pathways LLC shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, or other intangible losses, resulting from your use or inability to use our services.

Indemnification

You agree to indemnify, defend, and hold harmless Prosperity Pathways LLC, its officers, directors, employees, and agents from any claims, damages, losses, liabilities, and expenses (including attorneys' fees) arising out of or related to your use of our services or violation of these Terms.

Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Georgia, without regard to its conflict of law provisions. Any disputes arising under these Terms shall be resolved in the courts located in DeKalb County, Georgia.

Changes to Terms

We reserve the right to modify these Terms at any time. We will notify you of any material changes by posting the updated Terms on this page and updating the "Effective Date." Your continued use of our services after such changes constitutes your acceptance of the new Terms.

Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions shall remain in full force and effect.

Contact Information

We do not purchase, rent, or share lead lists from third parties. All contacts in our database have opted in directly through our website or services.