Privacy Policy

ProsperIQ LLC (“ProsperIQ,” “we,” “us,” or “our”), a Wyoming limited liability company, operates the ProsperIQ platform — an AI-powered financial transformation application available via web and mobile (“the Platform”). We are committed to protecting your personal information and your right to privacy.

This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our Platform, including our AI Financial Coach, Financial Identity Score, Debt Snapshot Tool, and all related features. Please read this policy carefully. If you disagree with its terms, please discontinue use of the Platform.

We use the information we collect to:

Provide and Personalize the Platform:

Deliver AI-powered financial coaching, calculate your Financial Identity Score, generate personalized debt payoff plans, and operate all Platform features.

Process Transactions:

Handle subscription payments and maintain your account.

Communicate With You:

Send transactional emails, product updates, milestone notifications, and support responses. You may opt out of marketing communications at any time.

Improve Our Services:

Analyze usage patterns, conduct research, fix bugs, and develop new features. Where used for AI improvement, data is aggregated and de-identified.

Ensure Safety and Security:

Detect fraud, enforce our Terms of Service, and protect the integrity of the Platform.

Comply With Legal Obligations:

Meet applicable legal and regulatory requirements.

We may share information only in the following circumstances:

Service Providers:

Trusted vendors who help us operate the Platform (cloud hosting, payment processing, email delivery, analytics). These vendors are contractually bound to use your data only for services they provide to us.

Accountability Partners:

If you choose to share a read-only Accountability Partner view of your progress, only the data you explicitly choose to share is visible to that individual.

Milestone Cards:

Shareable cards contain only the information you choose to include and share publicly.

Legal Requirements:

We may disclose information if required by law, subpoena, or other legal process, or to protect rights and safety.

Business Transfers:

In the event of a merger or acquisition, your information may be transferred with notice.

With Your Consent:

We may share information for any other purpose with your explicit consent.

We retain your personal information for as long as your account is active. If you close your account, we will delete or anonymize your personal data within 90 days, except where required for legal, tax, or fraud prevention purposes. Financial coaching history may be retained in anonymized, aggregated form for product improvement.

The Platform is intended for users 18 years of age and older. We do not knowingly collect personal information from anyone under 18. If we become aware that a user is under 18, we will terminate their account and delete their data promptly. Contact privacy@prosperiq.com if you believe a minor has provided us with personal information.

Essential Cookies:

Required for the Platform to function (session management, authentication).

Analytics Cookies:

Help us understand how users interact with the Platform. These are anonymized where possible.

Preference Cookies:

Remember your settings and preferences.

You can control cookies through your browser settings. We do not use cookies for behavioral advertising or cross-site tracking.

We implement reasonable administrative, technical, and physical security measures to protect your information, including encryption in transit (TLS) and at rest for sensitive financial data. No method of transmission over the internet is 100% secure. Use a strong, unique password and contact us immediately if you suspect unauthorized access.

ProsperIQ's AI Financial Coach and Financial Identity Score are powered by machine learning models. Inputs you provide (debt amounts, spending categories, financial goals) are used to generate personalized recommendations. This data may be used in aggregated, de-identified form to improve our AI models. We do not use individually identifiable financial data to train AI models shared with third parties.

We may update this Privacy Policy from time to time. When we make material changes, we will notify you by email and/or prominent notice within the Platform at least 14 days before the change takes effect. Continued use of the Platform after the effective date constitutes your acceptance of the updated policy.

For California residents, you may also submit CCPA requests at the email above.