Terms of Service

---

Last updated: March 3rd, 2025

Welcome to Prospect Lending! By using our services, you agree to the following terms of service (the “Terms”). These Terms outline the rules and guidelines governing the use of our website and services, particularly regarding Application-to-Person (A2P) messaging.

1. Acceptance of Terms

By accessing or using our website or services, you agree to comply with these Terms. If you do not agree, please refrain from using our services.

2. Messaging Consent

By providing your phone number, you consent to receive transactional and promotional messages from Prospect Lending. This includes but is not limited to SMS notifications related to your account, purchases, promotions, and other updates.

• Transactional Messages: Messages directly related to transactions or inquiries initiated by the user.

• Promotional Messages: Marketing and promotional content delivered periodically.

You can opt out of promotional messages at any time by replying “STOP” to any message or reply HELP for help. Standard messaging and data rates may apply.

3. Compliance with A2P Messaging Regulations

We comply with the regulations governing A2P messaging, including the Telephone Consumer Protection Act (TCPA) and any local and international messaging laws. Users must provide explicit consent to receive messages, and we offer clear instructions for opting out.

4. Data Collection & Privacy

All personal information, including phone numbers, is collected and processed in accordance with our Privacy Policy. Your personal data will not be shared with third parties for marketing purposes without your consent.

5. User Responsibilities

You are responsible for maintaining the confidentiality of your account and for any activity that occurs under your account. You agree to provide accurate and up-to-date contact information.

6. Termination of Messaging Services

We reserve the right to terminate or suspend your messaging services if there is a violation of these Terms or misuse of the messaging features.

7. Changes to the Terms

We may update these Terms from time to time. Changes will be effective immediately upon posting. Continued use of our services following any such changes indicates your agreement to the new terms.

8. Contact Us

If you have any questions about these Terms, please contact us at info@prospectlendinginc.com or 562-444-8448.