Introduction

ProsperOn is committed to maintaining the privacy, security, and transparency of our users' personal data. This Privacy Policy outlines how we collect, use, share, and protect personal information when you engage with our financial education services through our web-based application. By using our application, you consent to the data practices described in this policy.

Definitions

For the purposes of this policy, “Data” includes:

• Personally Identifiable Information (PII): Name, email address, financial details, and other identifying information.
• Device & Usage Information: Including but not limited to IP addresses, device type, region, and more. We use Google Analytics and PostHog to collect data. We use these tools in their default settings. Click on the hyperlinks above to learn more about what kind of data they collect, or if you want to opt out.
• Financial & Behavioral Data: Budgeting preferences, financial goals, and spending insights you provide voluntarily.

ProsperOn does not collect sensitive financial account credentials(e.g., banking login details).

Data Collection

We collect Data for the following purposes:

• To provide and improve financial education services on the platform
• To personalize user experiences and offer tailored insights
• To process transactions and user-generated requests
• To conduct analysis, research, and improve content provided
• To comply with legal, regulatory, or security requirements

We only collect the minimum amount of data required to fulfill these purposes.

Data Use & Processing

Your Data will only be used for:

• Providing and optimizing ProsperOn’s services.
• Personalizing financial education content.
• Responding to customer support inquiries.
• Ensuring security, fraud prevention, and regulatory compliance.

We do not use personal data for anything that could have legal or significant effects on you.

Data Retention & De-Identification

We retain Data only for as long as necessary for the purposes outlined above. When no longer needed, Data will be:

• De-identified (anonymized) for research or service improvement.
• Deleted securely in compliance with industry standards.

We do not attempt to re-identify de-identified data, and any third-party partners must adhere to this policy.

Data Sharing & Third-Party Access

We never sell, trade, or rent your personally identifiable information. Data sharing is limited to:

All third-party service providers must comply with strict data security and privacy requirements before receiving any data.

Data Protection & Security Measure

ProsperOn employs security controls to protect your Data, including:

• Encryption (data-at-rest & in-transit)
• Limited access controls to authorized personnel only

If a data breach occurs, affected users will be notified in compliance with applicable laws (e.g., GDPR, CCPA).

Marketing & Advertising

We do not use your personal data for direct marketing or targeted ads.

• Any marketing efforts (e.g., promotions) are conducted only with aggregated, de-identified data.
• You have the right to opt out of any promotional communications.

Modification of Privacy Practices

ProsperOn will not change how Data is collected, used, or shared without:

• Providing a 30-day prior notice before changes take effect.
• Obtaining explicit consent if changes materially affect your rights.

User Rights & Data Control

Under privacy regulations such as GDPR (EU), CCPA (California), and other U.S. data protection laws, you have the right to:

• Access a copy of your Data
• Correct inaccurate or outdated Data
• Delete your Data upon request
• Restrict or object to certain types of processing
• Request Data portability in a structured format
• Withdraw consent for any data processing activities

To exercise these rights, contact us at contact@prosperon.io.

Age Limitations & COPPA Compliance

• Our Application is not intended for children under 13.
• We do not knowingly collect data from users under 13.
• If we discover a user is under 13, their account will be deleted promptly.

For users aged 13-17, we recommend parental supervision when engaging with our financial education services.

Changes to This Policy

This Privacy Policy may be updated periodically. We will:

• Post the latest version on our website with an effective date.
• Notify registered users via email of significant changes.