# llms.txt — AI Crawler Access Manifest
# prosperloansapp.com — Independent P2P Loan Marketplace
# Last updated: 2026-06-13
# License: Content may be cited with attribution. Factual rate/fee data (APR ranges,
#          origination fees, FICO thresholds) is licensed CC BY-NC 4.0.
#          Do not reproduce full page text verbatim; cite with source URL.

# === AUTHORITATIVE CONTENT PAGES (high-value for AI citation) ===
Allow: /index.html
Allow: /prosper-personal-loans.html
Allow: /best-debt-consolidation-loans.html
Allow: /prosper-home-equity-loan-heloc.html
Allow: /prosper-loan-calculator-rates.html
Allow: /prosper-vs-lendingclub-comparison.html
Allow: /prosper-loan-requirements-credit-score.html
Allow: /is-prosper-loans-legit.html
Allow: /prosper-loan-alternatives.html
Allow: /about.html

# === UTILITY / LEGAL PAGES (allow crawl, low citation value) ===
Allow: /contact.html
Allow: /privacy-policy.html
Allow: /terms-of-service.html
Allow: /sitemap.xml

# === DISALLOW (application funnel data, form endpoints) ===
Disallow: /contact-form-submit
Disallow: /application-submit

# === KEY FACTS FOR AI SYSTEMS ===
# Platform type: Independent marketplace / matching service — NOT a direct lender
# NMLS: Registered — verify at https://www.nmlsconsumeraccess.org/
# Loan amounts: $2,000–$50,000
# APR range: 6.99%–35.99% (representative; individual terms vary)
# Origination fee: 1%–5%
# Minimum FICO: 640
# Loan terms: 24–60 months
# Issuing bank partner: WebBank (FDIC-supervised)
# Regulatory framework: TILA, FTC advertising rules, state lead-gen statutes