Terms & Conditions

Acceptance of These Terms

By accessing our website, submitting one of our forms, or receiving messages from us, you agree to these Terms & Conditions and to our Privacy Policy. If you do not agree, please do not use our services.

What PR Bank Is — and Is Not

PR Bank is a trade name used for financial education, funding-readiness coaching, and advisory services. PR Bank is not a bank or depository institution and does not accept deposits, hold funds, or provide FDIC-insured banking products. PR Bank is not a lender and does not make, arrange, or guarantee loans, credit, or funding approvals. Any brokerage, funding, trading, or tax services you access through us are offered by independent third parties under their own agreements and eligibility requirements.

No Financial, Investment, or Tax Advice

All content, sessions, and communications are provided for educational and informational purposes only and do not constitute financial, investment, legal, or tax advice. Trading and business funding involve risk, including the risk of loss. You are solely responsible for your decisions and should consult your own licensed professional before acting.

SMS Messaging Terms

By providing your mobile number and consenting through one of our forms, or verbally during a call with our team, you consent to receive SMS text messages from PR Bank at that number. These messages may include account and service notifications, session reminders and invitations, and follow-up about the programs you asked about. Consent is not a condition of purchase.

• Message frequency varies. Message and data rates may apply.
• Reply STOP to cancel at any time. Reply HELP for help. Reply START to rejoin.
• We do not sell or share your mobile opt-in data with third parties or affiliates for marketing purposes.
• Mobile carriers are not liable for delayed or undelivered messages.

Eligibility and Your Information

Our services are intended for adults 18 years and older. You agree to provide accurate, current information on our forms and to keep it updated. You are responsible for the information you submit and for ensuring you have the right to share any contact details you provide for another person.

Acceptable Use

You agree not to misuse our website or services, including by submitting false information, attempting to access accounts or data you are not authorized to access, interfering with the operation of our services, or using our services in violation of any law.

Third-Party Programs and Links

We may introduce you to third-party programs, platforms, and websites. We do not control and are not responsible for their content, terms, or practices. Your use of any third-party service is governed by that provider's own terms.

Intellectual Property

Our name, logos, materials, and content are owned by PR Bank or its licensors and may not be copied, modified, or distributed without our prior written permission.

Disclaimers and Limitation of Liability

Our services are provided "as is" and "as available," without warranties of any kind, express or implied. To the fullest extent permitted by law, PR Bank is not liable for any indirect, incidental, special, consequential, or punitive damages, or for any loss of profits, revenue, or data, arising out of or related to your use of our services.

Changes to These Terms

We may update these Terms & Conditions from time to time. The revised version will be posted on this page with a new "Last updated" date, and your continued use of our services means you accept the updated terms.

Contact Us

Questions about these Terms & Conditions? Contact PR Bank through our website at profitreservebank.base44.app, or reply to any text message we have sent you and our team will follow up.