Terms of Service

Last updated: June 29, 2026

1. Acceptance of Terms

By accessing or using ProsperStream ("Service," "App," "we," "our," or "us"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, do not use the Service. These Terms apply to all visitors, users, and others who access or use the Service. We reserve the right to update these Terms at any time, and your continued use of the Service after any changes constitutes acceptance of the new Terms.

2. Description of Service

ProsperStream is a personal budgeting and financial tracking tool that allows users to record income, track expenses, monitor bill payment status, and visualize spending patterns. The Service is provided for personal, non-commercial use only. ProsperStream is a financial organization tool and is not a bank, financial institution, financial advisor, or investment service. We do not provide financial, legal, or investment advice.

3. User Accounts

To use the Service, you must create an account. You agree to:

  • Provide accurate, current, and complete information during registration.
  • Maintain the security of your password and accept responsibility for all activity under your account.
  • Promptly notify us of any unauthorized use of your account.
  • Not share your account credentials with any third party.
  • Be at least 13 years of age to create an account.

We reserve the right to suspend or terminate accounts that violate these Terms.

4. Acceptable Use

You agree not to use the Service to:

  • Violate any applicable local, state, national, or international law or regulation.
  • Attempt to gain unauthorized access to any part of the Service or its infrastructure.
  • Interfere with or disrupt the integrity or performance of the Service.
  • Use automated scripts, bots, or scrapers to access the Service.
  • Impersonate any person or entity or misrepresent your affiliation with any person or entity.
  • Engage in any activity that could damage, disable, overburden, or impair the Service.

5. Your Content & Data

You retain full ownership of all financial data and content you enter into the Service ("Your Content"). By using the Service, you grant us a limited, non-exclusive, royalty-free license to store and process Your Content solely for the purpose of providing the Service to you. We do not claim ownership of Your Content and will not use it for any purpose other than operating the Service. You are solely responsible for the accuracy of the data you enter.

6. Disclaimer of Warranties

THE SERVICE IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, OR FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. WE MAKE NO WARRANTIES REGARDING THE ACCURACY, RELIABILITY, OR COMPLETENESS OF ANY CONTENT ON THE SERVICE.

7. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, PROSPERSTREAM AND ITS OWNERS, OPERATORS, EMPLOYEES, AND AFFILIATES SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, DATA, USE, OR GOODWILL, ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF THE SERVICE. IN NO EVENT SHALL OUR TOTAL LIABILITY TO YOU EXCEED THE AMOUNT YOU HAVE PAID US IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM, OR ONE HUNDRED DOLLARS ($100), WHICHEVER IS GREATER. SOME JURISDICTIONS DO NOT ALLOW THESE LIMITATIONS, SO THEY MAY NOT APPLY TO YOU.

8. Indemnification

You agree to indemnify, defend, and hold harmless ProsperStream and its owners, operators, employees, and affiliates from and against any claims, liabilities, damages, losses, and expenses (including reasonable legal fees) arising out of or in any way connected with your access to or use of the Service, your violation of these Terms, or your violation of any rights of a third party.

9. No Financial Advice

ProsperStream is a budgeting tool only. Nothing within the Service constitutes financial, investment, legal, or tax advice. All financial decisions you make based on data entered into or displayed by the Service are made at your sole discretion and risk. We strongly recommend consulting a qualified financial professional for personalized financial guidance.

10. Termination

We reserve the right to suspend or terminate your access to the Service at our sole discretion, without notice, for conduct that we believe violates these Terms or is harmful to other users, us, third parties, or for any other reason. You may terminate your account at any time. Upon termination, your right to use the Service will immediately cease.

11. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the United States, without regard to its conflict of law provisions. Any disputes arising under these Terms shall be subject to the exclusive jurisdiction of the courts located within the United States.

12. Changes to Terms

We reserve the right to modify these Terms at any time. We will update the "Last updated" date at the top of this page when changes are made. Material changes will be communicated through the Service. Your continued use of the Service following any changes constitutes your acceptance of the revised Terms.

13. Contact

If you have any questions about these Terms of Service, please contact us through the ProsperStream application. We will do our best to respond within a reasonable timeframe.

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