Terms of Service

By accessing or using the Prosper With Pro website (prosperwithpro.com), you agree to be bound by these Terms of Service and all applicable laws and regulations. These Terms apply to all visitors, users, and anyone who accesses or uses our website.

If you do not agree with any part of these Terms, please do not use this website. Your continued use of the website following any modification to these Terms constitutes your acceptance of such changes.

We reserve the right to modify, update, or replace any part of these Terms of Service at any time without prior notice. It is your responsibility to check these Terms periodically for changes. The most current version of these Terms will be posted on this page with an updated Effective Date.

Prosper With Pro provides educational and informational content related to financial services to help individuals, families, and business professionals make more informed decisions about their financial futures.

Our services include, but are not limited to:

• Estate and legacy planning guidance, including information about wills, trusts, and powers of attorney
• Life insurance consultations, including term life, whole life, and policies with living benefits
• Retirement income planning strategies and annuity product information
• Education and investment planning information
• Business opportunity information related to Opportunity With Pro

All information provided on this website is for educational purposes only and does not constitute legal, tax, or investment advice. Parag Shah is a licensed financial professional; specific product recommendations are made only after individual consultation and a thorough suitability assessment based on your unique financial situation, goals, and risk tolerance.

The information and materials provided on this website are presented for general educational and informational purposes. No representation is made regarding results, performance, or outcomes.

• Past performance of any financial product or strategy does not guarantee future results.
• Insurance and annuity products are subject to carrier terms, conditions, state availability, and individual underwriting approval.
• Investment and market-linked products involve risk, including possible loss of principal. There is no guarantee that any strategy discussed will be suitable for your specific situation.
• Guarantees associated with insurance products, including fixed annuities and life insurance death benefits, are backed solely by the claims-paying ability of the issuing insurance company and are not guaranteed by any government entity.

Individual results will vary. Any examples, case studies, or testimonials on this website are illustrative only and are not a guarantee of future results for any individual.

By submitting our contact form with the consent checkbox checked, you expressly consent to receive communications from Prosper With Pro. This may include:

• Phone calls and voicemails related to your inquiry
• SMS/text messages related to your request or scheduled consultations
• Email correspondence, follow-ups, and educational newsletters
• Follow-up correspondence regarding financial services and opportunities

CAN-SPAM Act Compliance. All email marketing communications from Prosper With Pro comply with the CAN-SPAM Act of 2003. Every marketing email we send includes:

• Our physical mailing address
• Clear identification of the sender (Prosper With Pro / Parag Shah)
• An honest, non-deceptive subject line that accurately reflects the content of the email
• A clear and conspicuous one-click unsubscribe mechanism in every message

Honoring Opt-Out Requests. We honor all opt-out and unsubscribe requests promptly. Opt-outs are processed within 10 business days of receipt and are permanent — we will not send further marketing communications to any address that has opted out.

SMS Opt-Out: Reply STOP to any text message from us at any time to immediately unsubscribe from SMS communications.

Email Opt-Out: Click the "Unsubscribe" link in the footer of any marketing email, or send an email to info@prosperwithpro.com with the subject line UNSUBSCRIBE.

Prosper With Pro does not engage in spam, phishing, or any deceptive communications practices. We never use misleading headers, false or deceptive subject lines, or disguise the origin of our emails.

Prosper With Pro maintains a strict zero-tolerance policy for spam in all forms. We are committed to responsible, permission-based communication practices.

Our anti-spam commitments include:

• We only send communications to individuals who have expressly requested information or provided affirmative consent to receive communications from us.
• We comply with the CAN-SPAM Act (United States), the TCPA (Telephone Consumer Protection Act), and all applicable state anti-spam and consumer protection laws.
• We maintain comprehensive suppression lists and honor all opt-out requests permanently and without condition.
• We never purchase, rent, or borrow email lists from third parties, and we do not engage in bulk unsolicited emailing of any kind.
• We do not use deceptive tactics, false headers, misleading subject lines, or disguised sender identities in any communication.
• We do not share your contact information with unaffiliated third parties for marketing purposes without your explicit consent.

If you believe you have received a communication from us in error, or if you wish to report a potential misuse, please contact us immediately at info@prosperwithpro.com.

As a condition of your use of this website, you agree that you will not:

• Use the website for any unlawful purpose or in violation of any applicable local, state, national, or international law or regulation
• Submit false, misleading, or inaccurate information through any form or communication channel on this website
• Attempt to gain unauthorized access to any portion of the website, its servers, or any other system connected to the website
• Use the website to distribute, transmit, or upload malware, viruses, spyware, or any other harmful software or code
• 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 functionality of the website
• Collect or harvest any personally identifiable information from the website without consent
• Use automated tools, bots, scrapers, or data mining techniques to access or extract data from the website

We reserve the right to investigate violations of these conduct standards and to block, restrict, or permanently ban access to this website for any user who violates these Terms, without prior notice and at our sole discretion.

All content on this website — including but not limited to text, articles, blog posts, images, photographs, graphics, logos, service materials, layout, and overall design — is the exclusive intellectual property of Prosper With Pro and/or its content suppliers.

Copyright © Prosper With Pro. All rights reserved.

The Prosper With Pro name, logo, and all related marks are trademarks and service marks of Prosper With Pro. You may not use these marks without prior written permission.

You may not reproduce, duplicate, copy, sell, resell, distribute, publicly display, create derivative works from, or otherwise exploit any portion of this website's content without express written permission from Prosper With Pro. Limited personal, non-commercial use may be permitted where expressly indicated.

Unauthorized use of any content on this website may give rise to a claim for damages and/or be a criminal offense under applicable intellectual property laws.

The following disclosures are required by applicable financial services regulations and are provided for your protection:

• Insurance products are offered through respective licensed insurance carriers and are subject to carrier terms, conditions, exclusions, and state availability. Not all products are available in all states.
• Annuity and life insurance products are NOT bank deposits, are NOT FDIC insured, are NOT insured by any federal government agency, are NOT guaranteed by any bank or financial institution, and MAY lose value in certain product types.
• Securities and investment advisory services, if offered, are offered only through properly licensed professionals in compliance with applicable federal and state securities laws.
• Prosper With Pro and Parag Shah do not provide legal or tax advice. Any discussion of legal structures, estate planning documents, or tax strategies is for general educational purposes only. Clients should always consult with qualified attorneys and Certified Public Accountants (CPAs) for legal and tax-specific guidance.
• Parag Shah holds applicable state insurance licenses. License numbers are available upon request. Licensing information can also be verified through the applicable state Department of Insurance.

Our website may contain links to third-party tools, resources, and external websites. This includes, but is not limited to, the iDecide personal assessment tool hosted at umustsee.net.

Prosper With Pro has no control over, and assumes no responsibility for, the content, availability, accuracy, privacy practices, or policies of any third-party website or service. The inclusion of any link to a third-party website does not imply endorsement by Prosper With Pro of that website or its operators.

Use of any third-party tool, service, or website is entirely at your own risk and is governed by that third party's own terms of service, privacy policy, and applicable terms. We strongly encourage you to review the terms and privacy policies of any third-party services you access through our website.

We are not liable for any damages or losses arising from your use of third-party services accessed through links on our website.

To the fullest extent permitted by applicable law, Prosper With Pro, its owners, officers, employees, agents, contractors, and representatives shall not be liable for any:

• Indirect, incidental, special, consequential, or punitive damages
• Loss of profits, revenue, data, goodwill, or other intangible losses
• Damages resulting from your access to or use of (or inability to access or use) this website
• Damages resulting from any content obtained from or through this website
• Damages resulting from unauthorized access, use, or alteration of your transmissions or content

In all cases, our total aggregate liability to you for any and all claims arising from or related to your use of this website shall not exceed $100.00 USD or the total amount paid by you, if any, for access to our services during the six (6) months preceding the claim — whichever is greater.

Some jurisdictions do not allow the limitation or exclusion of liability for certain types of damages. Accordingly, some of the above limitations may not apply to you. In such cases, our liability will be limited to the greatest extent permitted by applicable law.

You agree to defend, indemnify, and hold harmless Prosper With Pro, its owners, officers, employees, agents, contractors, licensors, and representatives from and against any and all claims, damages, obligations, losses, liabilities, costs, and expenses (including reasonable attorneys' fees) arising from or related to:

• Your access to or use of this website
• Your violation of any provision of these Terms of Service
• Your violation of any third-party rights, including intellectual property or privacy rights
• Any content you submit, post, or transmit through the website
• Any misrepresentation made by you in connection with your use of this website

This indemnification obligation will survive these Terms of Service and your use of the website.

These Terms of Service and any dispute or claim arising out of or in connection with them (including non-contractual disputes or claims) shall be governed by and construed in accordance with the laws of the State of Arizona, without regard to its conflict of law principles or provisions.

Good-Faith Negotiation. Before initiating any formal dispute resolution process, both parties agree to first attempt to resolve any dispute through good-faith negotiation. You must provide written notice of any dispute to Prosper With Pro at info@prosperwithpro.com, and both parties will attempt to resolve the matter within thirty (30) days of such notice.

Binding Arbitration. If a dispute cannot be resolved through good-faith negotiation, both parties agree that any unresolved dispute, controversy, or claim arising out of or relating to these Terms shall be submitted to and finally resolved by binding arbitration in Maricopa County, Arizona, under the Commercial Arbitration Rules of the American Arbitration Association (AAA) then in effect. The arbitrator's decision shall be final and binding and may be entered as a judgment in any court of competent jurisdiction.

Class Action Waiver. You expressly waive your right to participate in any class action lawsuit or class-wide arbitration against Prosper With Pro. Any proceedings to resolve claims will be conducted solely on an individual basis, and not as a class, consolidated, or representative action.

Nothing in this section shall prevent either party from seeking emergency injunctive or other equitable relief from a court of competent jurisdiction to prevent irreparable harm pending the outcome of arbitration.

Prosper With Pro is committed to ensuring that our website is accessible to all individuals, including those with disabilities. We strive to design and maintain our website in compliance with the Web Content Accessibility Guidelines (WCAG) 2.1 at Level AA, as issued by the World Wide Web Consortium (W3C).

We continuously work to improve the accessibility and usability of our website. If you experience any accessibility barriers, difficulty accessing content, or have suggestions for improvement, please contact us at:

info@prosperwithpro.com

We will make reasonable efforts to accommodate your accessibility needs and address any barriers identified in a timely manner.

If any provision, clause, or part of these Terms of Service is found to be invalid, unenforceable, or contrary to applicable law by a court or arbitrator of competent jurisdiction, that provision shall be deemed severed from the remaining Terms.

The invalidity or unenforceability of any provision shall not affect the validity or enforceability of any other provision, and the remaining provisions of these Terms shall continue in full force and effect as if the severed provision had never been included.

These Terms of Service, together with our Privacy Policy, constitute the entire and exclusive agreement between you and Prosper With Pro with respect to your use of this website, and supersede all prior or contemporaneous understandings, agreements, representations, and warranties — whether written or oral — relating to your use of the website.

Any failure by Prosper With Pro to exercise or enforce any right or provision of these Terms shall not constitute a waiver of that right or provision. A waiver of any provision of these Terms shall be effective only if in writing and signed by an authorized representative of Prosper With Pro.