Prosper Standards and Practices

The management team at Prosper is deeply committed to adhering to and abiding by state and federal laws and rules surrounding telemarketing and other applicable regulations. The company has made it a practice to continually stay current with new regulations and work quickly to understand and implement any new changes. In addition, Prosper strives to enroll the right students who can benefit from its coaching programs and to set proper expectations for all parties involved.

Prosper's mission statement is "Helping People Prosper". We have a unique approach to helping people prosper that begins with the promise in our sales process. Our promise is to deliver premium and customized education that has the ability to change student's lives IF students work hard and implement the principles taught. Our students promise that they will keep key commitments, and they acknowledge that with any successful business, hard work and intense dedication is required for success.

The following represent Standards and Practices that Prosper aspires to:

• Compliance with Law. » Prosper is committed to complying with all federal, state, and local laws; business and professions codes; and regulations relating to our industry. This would include (but not be limited to) regulations relating to lead generation, telemarketing sales (The Telemarketing Sales Rule), coaching and fulfillment services, information security, and payment card industry standards.
• Full Disclosure. » When dealing with students, Prosper identifies correct contact information including a phone number for customer service (800-743-9833 Option 7). Prosper does not accept money from a customer until the student has acknowledged the relationship, authorized the transaction, and the relationship is documented in a retained written, audio, and/or electronic enrollment agreement. Prosper also strives to disclose any relationships with third-party vendors.

• Truthful Advertising. » Prosper is committed to not making any false or untrue claims in advertising or when selling its services or products or making unsubstantiated income or savings claims. Testimonials and success stories are gathered and are kept on file. Student testimonials are displayed in connection with the following testimonial disclosure:

  "Since any type of education has so many variables in defining success, it is impossible to accurately state what you may expect to achieve other than a great education in the area of your choice. The typical student should not expect to make any amount of money from the education we provide but should expect to receive a great education. Your success in applying the education you receive is dependent on a variety of factors including the time and effort you put into your studies, your willingness to take action and implement ideas based on what you learn, prevailing market conditions, target market selection, and the amount of hard work and effort you are willing to expend".

  All Prosper sales representatives have been provided official sales scripts that are to be followed without material deviation. In addition, all representatives are required to participate in and complete the Prosper Compliance Certification Program (PCCP) before making any calls to customers. The program requires that all sales representatives attend and re-certify semi-annually.

  Prosper does not represent its programs as "get rich quick", or as requiring "little or no effort". The representations are clear that in order for a student to be successful in their area of learning, it will require substantial work and effort on the part of the student.

  All Prosper coaches are experienced and have a demonstrated competency in their field of learning. In addition, coaches are required to re-certify regarding their personal business and learning activities.

• Right to Rescind or Cancel. » Prosper will always honor a student's three-day right to rescind or cancel (or longer where mandated by state laws). The right to rescind or cancel is given without any restrictions or conditions, beginning after the product or service is made available to the customer electronically or upon receipt of appropriate materials or product.
• Quality Assurance. » Prosper has a Quality Assurance Department that monitors sales, fulfillment, and customer care calls to promote quality achievement and performance by monitoring and scoring them according to specific quality standards. The Quality Assurance Department undertakes relevant samplings for monitoring and performance enhancement suggestions.
• Student Care. » Prosper has a Student Care Department that strives to answer all calls within the first 30 seconds. It also has the responsibility of responding to student and/or regulatory inquiries within 2 business days with the stated commitment to resolve, when possible, all customer concerns within 15 business days. Prosper's Student Care Department can be reached at 800-743-9833 Option 7.
• Employment Standards. » Prosper only hires employees who have successfully passed a mandatory pre-employment (and random) substance abuse test(s) and background check and who are committed to Prosper's high standards of excellence.
• Customer Protection Plan (CPP) » Prosper has implemented a Customer Protection Plan that requires its Student Care Department to contact potential students who may not be physically, mentally or technologically able to succeed in their program. Certain potential students may require additional consideration before being enrolled, and Prosper has its Customer Protection Plan to allow for a second review of select students.
• Strictly Educational » Prosper's coaching programs are strictly educational and do not provide any legal, accounting, investment, or tax advice. Employees are prohibited from partnering with students or investing on their behalf in any manner. Prosper does not suggest, offer or guarantee any of the following types of business assistance 1) providing locations for students' use or operations of equipment, displays, vending machines, or similar devices; 2) outlets accounts, customers, or 3) buying back any or all goods or services that students make. Prosper may educate you on how to lower or manage your debt but does not offer any form of debt relief services. Prosper does not and will not manage, renegotiate, settle, consolidate, reduce or otherwise resolve any debt obligation for you or on your behalf. You are responsible for your own financial decisions and should consult your own advisors before making your financial decisions.