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Legal

Privacy Policy

Effective January 1, 2026. This policy explains how Prosperity Shift Now collects, uses, and protects the personal and financial information you share with us across our loans, insurance, digital payments, investments, home warranty, and debt relief services.

1. Information We Collect

We collect information you provide directly, such as your name, contact details, income, employment, and asset information submitted through applications or inquiries. We also collect information automatically, including device type, IP address, and browsing behavior on this site.

2. How We Use Information

• To evaluate applications for loans, insurance, and investment products
• To service accounts, process payments, and communicate account updates
• To meet legal, regulatory, and anti-fraud obligations
• To improve our products and personalize your experience with Prosperity Shift Now

3. Sharing of Information (Gramm-Leach-Bliley Notice)

As a provider of financial products, Prosperity Shift Now may share information with affiliates, service providers, credit bureaus, and underwriting partners as permitted under the Gramm-Leach-Bliley Act. We do not sell your personal financial information to third parties for their own marketing purposes.

4. Your Rights

Depending on your state of residence, you may have the right to access, correct, or request deletion of your personal information, and to opt out of certain data sharing, including rights available under state privacy laws such as the California Consumer Privacy Act.

5. Data Security

We apply administrative, technical, and physical safeguards designed to protect your information, including encryption in transit, access controls, and routine security reviews.

6. Cookies

This site uses cookies to remember preferences and understand site usage. You can control cookies through your browser settings at any time.

7. Contact Us

Questions about this policy can be sent to info@ProsperityShiftNow.com or mailed to 136 Madison Avenue, New York City, NY 10016.

Legal

Terms & Conditions

Effective January 1, 2026. By accessing or using the Prosperity Shift Now website and services, you agree to the following terms.

1. Eligibility

Our services are available to individuals who are at least 18 years of age and legal residents of the state in which the applicable product is offered. Loan, insurance, and investment products are subject to separate eligibility and underwriting criteria.

2. Nature of Services

Prosperity Shift Now connects clients with licensed lending, insurance, payment, investment, home warranty, and debt relief partners. Prosperity Shift Now is not a depository bank. Investment products referenced on this site are not FDIC insured, are not bank guaranteed, and may lose value.

3. Licensing Disclosures

Prosperity Shift Now and its partners operate under applicable state lending and insurance licenses, including NMLS ID# 0000000. Rates, terms, and availability vary by state and are subject to credit approval and underwriting review.

4. Account Use

You agree to provide accurate information and to use this site only for lawful purposes. You are responsible for maintaining the confidentiality of any account credentials associated with your use of Prosperity Shift Now services.

5. Limitation of Liability

Prosperity Shift Now is not liable for indirect, incidental, or consequential damages arising from use of this site or reliance on general educational content provided here, which does not constitute individualized financial, legal, or tax advice.

6. Governing Law

These terms are governed by the laws of the State of New York, without regard to conflict-of-law principles.

7. Changes to These Terms

We may update these terms periodically. Continued use of the site after changes are posted constitutes acceptance of the revised terms.

8. Contact

For questions regarding these terms, contact info@ProsperityShiftNow.com or write to 136 Madison Avenue, New York City, NY 10016.