The agreement between us.

1. Eligibility

You must be at least 18 years old and legally able to enter into these terms to use Prosperus. If you're accessing Prosperus through an employer-sponsored benefit, you must be an employee (or otherwise eligible participant) of that employer.

2. Your account

You're responsible for keeping your login credentials secure and for all activity that happens under your account. Tell us right away if you suspect unauthorized access.

You're responsible for the accuracy of the information you provide, and for reviewing figures Prosperus generates before relying on them for a financial decision.

3. Connecting financial accounts

Connecting a bank, credit card, or investment account through Plaid is entirely optional and requires your explicit consent at the time of connection. You can disconnect any account at any time from your settings. See our Privacy Policy for details on how that data is used and protected.

4. Our AI assistant, Prossy

Prossy is designed to help you understand your own finances using figures already computed from your spreadsheet. It is not a licensed financial advisor, and its responses are not professional financial, legal, or tax advice. You're responsible for your own financial decisions, and we encourage you to consult a qualified professional for advice specific to your situation.

5. Acceptable use

You agree not to:

• Use Prosperus for any unlawful purpose
• Attempt to access another user's account or data
• Attempt to reverse-engineer, scrape, or interfere with the service
• Use Prosperus to connect financial accounts you are not authorized to access
• Misrepresent your identity or your relationship to an employer when creating an account

6. If you're using Prosperus through an employer

Your employer chose to offer Prosperus as a benefit and may invite, deactivate, or manage your access as part of that benefit. Your employer does not have access to your individual financial data, as described in our Privacy Policy. If your employment ends or your employer discontinues the benefit, your account access may change, but your own spreadsheet remains yours as described there.

7. Service availability

We aim to keep Prosperus available and reliable, but we don't guarantee uninterrupted access. Features that depend on third parties — Plaid, Google, OpenAI — are subject to those providers' own availability.

8. Disclaimers

Prosperus is provided “as is” without warranties of any kind, express or implied. We do not guarantee that figures, projections, or responses from Prossy are accurate, complete, or suitable for any particular financial decision. Prosperus is not a bank, broker-dealer, or registered investment advisor.

9. Limitation of liability

To the fullest extent permitted by law, Prosperus and its affiliates are not liable for any indirect, incidental, or consequential damages arising from your use of the service, including financial decisions made based on information shown in Prosperus.

10. Termination

You may stop using Prosperus and request account deletion at any time. We may suspend or terminate access for violation of these terms, at your employer's request as part of their benefit administration, or if required by law.

11. Changes to these terms

We may update these terms from time to time. We'll notify you of material changes by email or through the product before they take effect. Continuing to use Prosperus after a change takes effect means you accept the updated terms.

12. Contact us

Questions about these terms? Contact us at:

Prosperus LLC
contact@aiprosper.us