Terms of Service

By accessing the Prospera Funds website or engaging our advisory, portfolio management, or financial education services, you agree to be bound by these Terms of Service. These terms constitute a legally binding agreement between you (the user) and Prospera Funds.

This agreement applies uniformly to every visitor, registered client, prospective investor, and any individual who interacts with our digital properties, mobile applications, downloadable tools, or in-person advisory sessions. It governs your use of our website regardless of the device or connection method used to access it, and it supplements, rather than replaces, any separate advisory or investment management contract you may sign with us.

If any provision of these terms is found by a competent authority to be unenforceable or invalid, that provision will be limited or eliminated to the minimum extent necessary, and the remaining provisions will continue in full force and effect. Our decision not to enforce a particular right or provision does not constitute a waiver of that right in the future.

We reserve the right to modify these terms periodically. Continued use of our portal or services following notice of any updates constitutes full acceptance of the revised conditions. We encourage you to review this page regularly, as material changes affecting fees, liability, or dispute resolution will be highlighted with a revised effective date at the top of this document.

To utilize our portfolio and wealth planning tools, you must be at least 18 years of age and legally authorized to enter binding contracts. During registration or consultation, you agree to fulfill the following obligations:

• Accurate Details: Provide valid, complete, and current information.
• Security: Maintain strict confidentiality of your account credentials and passwords.
• Incident Reporting: Notify us immediately of any unauthorized account breaches.
• Accountability: Accept full responsibility for all activities occurring under your registered user profile.

In addition to the obligations above, prospective clients may be required to complete identity verification and suitability assessments in line with applicable know-your-customer (KYC) and anti-money-laundering (AML) regulations before any advisory relationship or managed account is activated. We may request supporting documentation, such as government-issued identification, proof of address, or income verification, and reserve the right to decline or delay onboarding until such checks are satisfactorily completed.

Accounts registered on behalf of a trust, corporation, partnership, or other legal entity must be accompanied by proof of authority for the individual acting on that entity's behalf. Prospera Funds reserves the right to suspend, restrict, or close any account where registration information is found to be false, incomplete, or used to circumvent these eligibility requirements.

Prospera Funds provides portfolio management, wealth creation strategy, retirement planning, risk evaluation, and financial education modules.

Our advisory offerings are tailored through a structured onboarding process that considers your stated goals, time horizon, liquidity needs, and risk tolerance. Where a formal advisory agreement is in place, a dedicated advisor will periodically review your portfolio allocation and recommend adjustments consistent with your documented investment policy statement. Services delivered outside of a signed advisory contract, including self-directed tools and calculators, remain the sole responsibility of the user operating them.

Educational Disclaimer: Articles, calculators, workshops, and open web media are provided solely for general educational purposes. They do not constitute individualized investment advice unless formalized via a dedicated advisory contract with an assigned advisor. Reliance on any educational content in place of personalized advice is done entirely at your own discretion, and Prospera Funds encourages users to consult a licensed advisor before making significant financial decisions based on such material.

All financial market investments involve significant inherent risk, including the possible loss of original capital invested. Past performance figures associated with any fund, asset allocation, or portfolio management strategy do not guarantee identical future outcomes.

Market conditions are influenced by a broad range of factors outside our control, including interest rate movements, currency fluctuations, geopolitical developments, regulatory changes, and broader macroeconomic cycles. Certain asset classes, such as equities, fixed income instruments, alternative investments, and international holdings, may carry distinct risk profiles, and clients should understand that diversification across asset classes reduces but does not eliminate the possibility of loss.

While active asset management and diversification strategies seek to mitigate volatility, they cannot entirely eliminate market risks. Clients retain responsibility for evaluating strategy alignment against their personal financial tolerance.

We strongly encourage every client to periodically reassess their financial circumstances, investment horizon, and appetite for risk, and to communicate any material life changes to their assigned advisor promptly. Nothing in this section should be interpreted as a guarantee of returns, capital preservation, or income, whether express or implied.

Prospera Funds operates under a transparent pricing commitment. Applicable management fees, planning costs, or program rates are disclosed in full detail prior to execution of service contracts.

Fee structures may vary depending on the type of service engaged, including asset-based management fees calculated as a percentage of assets under management, fixed planning fees for one-time consultations, or subscription-based pricing for ongoing advisory relationships. Where applicable, third-party costs such as custodian charges, fund expense ratios, or transaction costs are separate from our advisory fees and will be clearly itemized in your account statements.

Payments may be collected via direct debit from a linked account, deduction from managed assets, or invoiced billing, depending on the arrangement specified in your service agreement. Late or failed payments may result in a temporary suspension of advisory services until the outstanding balance is resolved.

We do not execute hidden commissions or unlisted charges. Any adjustments to active fee schedules will be formally communicated at least 30 days prior to taking effect, giving clients the opportunity to review the updated terms or discontinue services before the new rates apply.

All propriety content on this platform—including design frameworks, code, analytical algorithms, educational materials, text, and logos—is owned by or licensed to Prospera Funds. Unauthorized copying, distribution, or creation of derivative works without express written consent is strictly prohibited.

This protection extends to all proprietary portfolio modeling tools, risk-scoring methodologies, market commentary, downloadable guides, webinar recordings, and any visual assets published across our website or client portal. Clients are granted a limited, non-exclusive, non-transferable license to access and use this content solely for personal, non-commercial reference in connection with their own financial planning.

Any trademarks, service marks, or trade names displayed on this platform, including the Prospera Funds name and logo, may not be used in connection with any product or service without our prior written approval. We actively monitor for unauthorized use of our intellectual property and reserve the right to pursue all available legal remedies against infringement.

To the fullest extent permitted by law, Prospera Funds and its affiliates shall not be liable for direct, indirect, incidental, or consequential damages resulting from platform access or portfolio market losses incurred beyond our reasonable, direct control.

This limitation applies to, without restriction, losses arising from system downtime, delayed transaction execution, data transmission errors, third-party service interruptions, or reliance on educational content accessed outside the scope of a formal advisory agreement. Our aggregate liability for any claim arising out of or related to the use of our services shall not exceed the total fees paid by the client to Prospera Funds during the twelve months preceding the event giving rise to the claim.

Nothing in this section is intended to limit liability for gross negligence, willful misconduct, or any obligation that cannot be excluded under applicable securities or consumer protection law. Clients are encouraged to maintain independent records of their transactions and account activity to support any future inquiry or dispute.

Either party may terminate an active advisory relationship in accordance with notice terms defined within individual management agreements. Prospera Funds maintains the right to suspend or restrict platform access immediately in instances of policy violations or illegal activity.

Upon termination, clients will retain access to a final account statement summarizing holdings, transaction history, and any outstanding fees due. Prospera Funds will work in good faith to facilitate an orderly transition of managed assets, including reasonable cooperation with a client's new custodian or advisor, subject to settlement of any outstanding balances owed under the service agreement.

Termination does not relieve either party of obligations accrued prior to the effective date of termination, including payment of fees for services already rendered, confidentiality obligations, and any provisions of this agreement which by their nature are intended to survive termination, such as intellectual property rights and limitation of liability clauses.

These Terms of Service are constructed and governed according to the jurisdiction in which Prospera Funds operates, without regard to legal conflict principles. Legal disputes shall be processed within corresponding state or federal courts.

Before initiating formal litigation, both parties agree to make a good-faith effort to resolve any dispute arising from these terms through informal negotiation, and where appropriate, non-binding mediation with a mutually agreed mediator. This approach is intended to provide a faster and more cost-effective resolution path than immediate court proceedings.

If a dispute cannot be resolved informally, the parties consent to the exclusive jurisdiction and venue of the courts located where Prospera Funds is registered to conduct business, and each party waives any objection to that venue on the grounds of inconvenient forum. Nothing in this section limits either party's right to seek regulatory recourse through applicable financial services authorities.