Terms of Service

1. Acceptance of Terms

By accessing and using Prosperite, you agree to be bound by these Terms of Service.

2. Service Description

Prosperite is an AI-powered educational platform designed to help users understand their home-buying journey. We provide educational information and connect users with licensed professionals when appropriate.

2.5 Anonymous Preview Mode

Service Availability

You may access Prosperite's educational AI assistant without creating an account through anonymous preview mode. This allows you to explore our services before committing to registration.

Anonymous Mode Limitations

• Your conversations are temporary and session-based
• Data will not be saved when you create an account
• Some features may be restricted (e.g., document uploads, MLO consultations)
• Session data expires after 30 days of inactivity

Account Registration and Data Separation

• Anonymous session history will not be transferred to your account
• Your account will start with a fresh profile for security reasons
• This data separation policy protects all users on shared devices
• You will need to re-provide any financial information for your new account

3. AI Service Capabilities & Limitations

4. Important Disclaimers

Educational Estimates Only

• All calculations and projections are educational estimates only
• Results do not guarantee loan approval and are subject to change
• These are not professional financial advice
• For professional guidance, consult our licensed MLO (NMLS #2579837)

Rate Information

• Rates shown are market estimates and subject to change
• Individual rates vary based on credit score, down payment, and other factors
• Final rates determined by licensed MLO (NMLS #2579837) and lender approval

5. Fair Housing Act Compliance

We are committed to equal housing opportunity. We do not discriminate based on race, color, religion, sex, handicap, familial status, or national origin in providing services. All users receive equal treatment regardless of demographic characteristics.

6. User Responsibilities

You are responsible for verifying all information with licensed professionals before making any financial decisions.

7. TRID Compliance Disclosures

• All rate quotes and affordability calculations are estimates for educational purposes
• Actual loan terms will be provided by licensed professionals after application review
• Closing costs, fees, and final terms may vary from initial estimates
• You will receive official Loan Estimate and Closing Disclosure forms from your lender

8. Consumer Financial Protection

We adhere to Consumer Financial Protection Bureau (CFPB) standards for fair lending practices. For complaints or concerns, you may contact us directly or file a complaint with the CFPB at consumerfinance.gov.