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| Are there any limits on the criteria I can use to accept or exclude people from my group? |
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Prosper is an inclusive credit marketplace that fully supports and
promotes equal credit opportunity for all people, regardless of their
race, color, religion, national origin, sex, marital status, age,
sexual orientation, military status or source of income. Because people
access Prosper through your group, group membership criteria cannot
exclude anyone in these protected classifications. You can use criteria
to include people in these protected areas, but not to exclude them.
Your criteria must also adhere to the Prosper policies that apply to Prosper members as well as group leaders.
Group leaders may not obtain or use a credit report, require
prospective members to provide a credit report, or to provide
authorization to obtain a credit report, as a condition to group
membership. Group leaders who want to use creditworthiness as criteria
for membership should use the individual's self-evaluation of their
credit grade, in order to avoid running afoul of state and federal
credit reporting statutes or restrictions on loan solicitation. When a
borrower creates a listing, Prosper obtains their credit report and
determines their credit grade, which is displayed in the listing. That
is the only credit grade relevant to lenders placing bids on Prosper.
As long as your criteria meets these standards, you can use any lawful criteria you desire.
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