Get Started

Terms of Use

Welcome to brightfinances.com (the “Website”), owned and operated by Bright Financial (referred to as “we,” “us,” or “our”). These terms and conditions outline the rules and regulations for using our Website. By browsing, accessing, or using this Website through any means, or by utilizing products or services offered through this Website, including any communications with us, you agree to these terms and conditions (the “Terms”). You acknowledge that any information you provide through the Website or services will be governed by our Privacy Policy, which is incorporated herein and made a part of this Agreement.

Please do not use this Website or our services if you do not agree to the posted Terms of Use and Privacy Policy.

Services

This Website is intended for your personal, non-commercial use. You may not use the Website directly or indirectly for any illegal or unauthorized purposes. This Website is intended only for United States residents who are at least 18 years of age. The Website provides information on consumer financial products and services and allows individuals to apply for, or request, to speak with a representative for additional loan information or support.

Industry Disclosures

We may initiate a soft pull of your credit report for review prior to providing rates and terms. This soft pull will not impact your credit score. Should you decide to lock in your rate and proceed with loan terms, your credit report will be formally requested, which may impact your score. Acquiring a loan will also initiate the reporting of repayment information.

Loans are not offered in every state. Your loan amount will be determined based on your credit, income, and other information provided in your loan application. Not all applicants will qualify for the full amount. Minimum loan amounts vary by state. Your APR will be determined based on your credit, income, and other information provided in your loan application. Not all applicants will be approved. Loans are made or arranged pursuant to a California Financing Law license.

Licensure

General Licensure Information

brightfinances.com is a licensed financial services provider. We are committed to operating in full compliance with all applicable state and federal laws.

Testimonials

Any testimonials provided on this Website are from real customers who voluntarily provided their opinions without compensation. Images used may not represent actual customers.

Prohibited Use

You represent and warrant that you will not provide information on this Website or through any communication with us that is false, inaccurate, misleading, or that violates any local, state, federal, or international law. This includes infringing on copyright laws, sharing unlawful or obscene content, impersonating others, or including harmful computer code. You are solely responsible for any information you provide to us by any means.

Intellectual Property

Purpose
Categories of Personal Data Processed

Republishing material

Do not republish material from brightfinances.com without permission.

Selling, renting, or sub-licensing

You may not sell, rent, or sub-license material from this Website.

Reproducing, duplicating, or copying

Reproduction or duplication of any material from the Website is prohibited unless content is made specifically for redistribution.

Purpose & Categories of Personal Data Processed

● Republishing material: Do not republish material from brightfinancial.com without permission.
● Republishing material: You may not sell, rent, or sub-license material from this Website.
● Republishing material: Reproduction or duplication of any material from the Website is prohibited unless content is made specifically for redistribution.

We endeavor to ensure the information on the Website is accurate but do not guarantee its completeness or accuracy. Third-party links may appear on our Website. We are not responsible for the content or policies of these external sites.

Third-Party Sites

This Website may contain or interact with third-party platforms, services, or content. We may receive compensation for engagement with third-party links, but we are not responsible for any Third-Party Services’ content or terms. Your use of such services is at your own risk.
You agree to indemnify us against all claims, injury, and damages, including attorneys’ fees, that arise out of your use of any Third-Party Service.

Disclaimer of Warranties & Limitation of Liability

To the maximum extent permitted by applicable law, brightfinances.com excludes all representations, warranties, and conditions related to our Website and the use of this Website. This Website is provided on an “as is” and “as available” basis. We make no warranties, express or implied, regarding the operation of the Website or the information, content, or products included.

Limitation of Liability: Under no circumstances will we, or our employees, directors, officers, agents, shareholders, subsidiaries, or affiliates be liable for any direct or indirect lost profits or business damages, indirect, special, punitive, incidental, or consequential damages arising out of or in connection with the Website or these Terms.

Release

You hereby release, remise, and discharge Bright Financial Services, LLC and its service providers from any and all claims, complaints, demands, liabilities, and legal fees arising from your use of this Website or services.

Indemnification

You agree to indemnify and hold Bright Financial Services, LLC, our subsidiaries, affiliates, agents, and employees harmless from any claims or demands, including reasonable attorneys’ fees, due to or arising from your use of this Website, your violation of these Terms, or infringement on the rights of others.

Arbitration Agreement & Class Action Waiver

We agree that any disputes or claims arising between you and us relating to these Terms or the Website will be resolved exclusively through final and binding arbitration, rather than in court, except for small claims under $1,000. The Federal Arbitration Act governs this Agreement to Arbitrate.

● Arbitration Procedures: Arbitration is more informal than a lawsuit. The arbitration will be conducted by JAMS under its Consumer-Related Disputes procedures.
● Costs: Payment of all filing, administration, and arbitrator fees will be governed by JAMS rules.
● Prohibition of Class Actions: You agree to resolve disputes only on an individual basis and not as part of a class action.

Severability

If any part of this Agreement is deemed invalid or unenforceable, the remainder of the Agreement shall remain in effect.

Electronic Communication

By using this Website, you consent to receive communications from us electronically, and agree that such communications satisfy any legal requirement for written communication.

Revisions to Terms

We reserve the right to update or revise these Terms of Use at any time. Changes will be effective immediately upon posting. Your continued use of the Website constitutes acceptance of the revised terms.

Contact Information

For questions regarding these Terms of Use, please contact us at [email protected].