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Last Updated: November 2025

These Terms and Conditions constitute a legally binding agreement between you and Prosperity Partners. By accessing our website or engaging our services, you acknowledge that you have read, understood, and agree to be bound by these terms.

If you do not agree with any provision of these Terms and Conditions, you must not use our website or services.

1. Agreement to Terms

1.1 Binding Agreement

By using our website or services, you enter into a legally binding contract with Prosperity Partners. This agreement is effective immediately upon your first access to our website or use of our services.

1.2 Acceptance of Terms

Your continued use of our services constitutes your ongoing acceptance of these Terms and Conditions, including any modifications we may make from time to time.

1.3 Capacity to Contract

You represent and warrant that:

• You are at least 18 years of age or the age of majority in your jurisdiction
• You have the legal capacity to enter into binding contracts
• You are not prohibited from using our services under any applicable laws
• All information you provide to us is accurate and truthful

1.4 Modifications to Terms

We reserve the right to modify these Terms and Conditions at any time. Changes become effective immediately upon posting to our website. Your continued use of our services after changes are posted constitutes acceptance of the modified terms.

2. User Obligations and Conduct

2.1 Legal Responsibilities

You agree to:

• Comply with all applicable Philippine laws and regulations
• Use our services only for lawful purposes
• Provide accurate, current, and complete information
• Maintain the confidentiality of any account credentials
• Notify us immediately of any unauthorized use of your account
• Accept responsibility for all activities under your account

2.2 Prohibited Activities

You agree not to:

• Violate any laws, regulations, or third-party rights
• Engage in fraudulent or deceptive practices
• Interfere with or disrupt our services or servers
• Attempt to gain unauthorized access to our systems
• Use our services for money laundering or terrorist financing
• Harass, abuse, or harm others using our platform
• Distribute malware, viruses, or other harmful code
• Scrape, copy, or reverse engineer our website or services

2.3 Content Guidelines

When providing information or communicating with us, you must not submit content that is illegal, harmful, threatening, abusive, harassing, defamatory, vulgar, obscene, or otherwise objectionable.

2.4 Indemnification

You agree to indemnify, defend, and hold harmless Prosperity Partners, its officers, directors, employees, and agents from any claims, liabilities, damages, losses, or expenses arising from your violation of these Terms and Conditions or your use of our services.

3. Liability and Warranties

3.1 Disclaimer of Warranties

Our services are provided on an "as is" and "as available" basis without warranties of any kind, either express or implied. To the fullest extent permitted by law, we disclaim all warranties, including but not limited to:

• Implied warranties of merchantability or fitness for a particular purpose
• Warranties regarding accuracy, reliability, or completeness of information
• Warranties that our services will be uninterrupted or error-free
• Warranties that defects will be corrected

3.2 Limitation of Liability

To the maximum extent permitted by Philippine law, Prosperity Partners shall not be liable for:

• Any indirect, incidental, special, consequential, or punitive damages
• Loss of profits, revenue, data, or goodwill
• Business interruption or loss of business opportunities
• Financial losses resulting from investment decisions
• Damages arising from unauthorized access to your account

Our total liability to you for any claims arising from or related to our services shall not exceed the amount you paid us for services in the 12 months preceding the claim.

3.3 Investment Risk Acknowledgment

You acknowledge and agree that:

• All investments involve risk, including the risk of loss of principal
• Past performance does not guarantee future results
• We cannot guarantee specific investment outcomes or returns
• You are responsible for your own investment decisions
• You should carefully consider your financial situation before implementing any recommendations

3.4 Force Majeure

We shall not be liable for any failure or delay in performance due to circumstances beyond our reasonable control, including but not limited to acts of God, natural disasters, war, terrorism, labor disputes, government actions, or technical failures.

4. Legal Information and Dispute Resolution

4.1 Governing Law

These Terms and Conditions shall be governed by and construed in accordance with the laws of the Republic of the Philippines, without regard to its conflict of law principles.

4.2 Jurisdiction

You agree that any legal action or proceeding arising from or related to these Terms and Conditions or your use of our services shall be brought exclusively in the courts of Metro Manila, Philippines, and you consent to the personal jurisdiction of such courts.

4.3 Dispute Resolution

In the event of any dispute, controversy, or claim arising from or relating to these Terms and Conditions:

• The parties shall first attempt to resolve the dispute through good faith negotiations
• If negotiations fail, the parties may agree to mediation
• Either party may seek resolution through the appropriate courts

4.4 Severability

If any provision of these Terms and Conditions is found to be invalid or unenforceable by a court of competent jurisdiction, such provision shall be severed, and the remaining provisions shall continue in full force and effect.

4.5 Entire Agreement

These Terms and Conditions, together with our Privacy Policy and any service agreements, constitute the entire agreement between you and Prosperity Partners regarding your use of our services.

4.6 Waiver

Our failure to enforce any right or provision of these Terms and Conditions shall not constitute a waiver of such right or provision.

4.7 Assignment

You may not assign or transfer your rights or obligations under these Terms and Conditions without our prior written consent. We may assign our rights and obligations to any third party at our discretion.

5. Regulatory Compliance and Professional Standards

5.1 Regulatory Registration

Prosperity Partners is registered with the Securities and Exchange Commission of the Philippines and operates in compliance with applicable securities laws and regulations.

5.2 Professional Conduct

Our advisors adhere to professional standards of conduct and maintain appropriate certifications and licenses as required by Philippine law.

5.3 Conflicts of Interest

We maintain policies to identify and manage potential conflicts of interest. We will disclose any material conflicts that may affect our recommendations.

5.4 Confidentiality

We maintain strict confidentiality of client information in accordance with applicable privacy laws and professional standards, except as required by law or with your consent.

6. Contact and Questions

If you have questions or concerns about these Terms and Conditions, please contact us:

• By email at [email protected]
• By phone at +63 2 8637 4829
• By mail at 200 Ortigas Avenue, Pasig City, Metro Manila 1605
• Through our Contact page

We will respond to your inquiry as promptly as possible.