IMPORTANT: Please read these Terms of Service carefully before using our services. By accessing or using our website, booking a consultation, or engaging with our services, you agree to be bound by these terms.
1. Agreement to Terms
By accessing the website of Bright Solutions LLC ("Company," "we," "our," or "us"), you agree to comply with and be bound by these Terms of Service. If you do not agree to these terms, you must not use our services.
2. Services Provided
2.1 Consulting and Educational Services
Bright Solutions LLC provides consulting and educational services related to:
- Business credit profile optimization
- Funding strategy consulting
- Credit education and literacy
- Lender readiness assessment
- Financial sequencing strategies
2.2 Not a Lender or Financial Institution
We are NOT:
- A lender, bank, or financial institution
- A credit repair organization as defined by federal law
- A provider of legal or tax advice
- A licensed attorney or CPA firm
We DO NOT:
- Guarantee loan approvals, funding amounts, or interest rates
- Have the ability to approve or deny credit applications
- Directly dispute items on your credit report
- Provide legal, tax, or financial advice
3. No Guarantees or Warranties
3.1 Results Disclaimer
We provide strategic guidance and educational services only. We make NO GUARANTEES regarding:
- Loan or credit approvals
- Specific funding amounts
- Interest rates or terms
- Credit score improvements
- Specific timelines for results
- Success rates or outcomes
3.2 Individual Results Vary
Results depend on numerous factors including but not limited to: your credit profile, income, debt-to-income ratio, payment history, lender criteria, economic conditions, and your implementation of recommended strategies.
3.3 Educational Nature
All information provided is for educational purposes only. You are solely responsible for any actions you take based on our guidance, and you acknowledge that ultimate decisions regarding credit and funding applications are yours alone.
4. Consent to Communications
4.1 Express Written Consent (TCPA Compliance)
By providing your telephone number and/or email address to Bright Solutions LLC, you expressly consent to receive:
- Text messages (SMS/MMS)
- Phone calls (including autodialed and prerecorded calls)
- Emails
- Voicemail messages
From Bright Solutions LLC, our affiliates, partners, and agents at the telephone number(s) and email address(es) you provide, regarding:
- Appointment confirmations and reminders
- Service updates and follow-ups
- Marketing and promotional offers
- Educational content and resources
- Account and billing information
4.2 Automated Communications
You understand and agree that:
- Communications may be sent using automated dialing systems
- Message and data rates may apply
- Consent is not a condition of purchase
- You may opt out at any time by replying STOP, UNSUBSCRIBE, or contacting us directly
- Message frequency varies based on your interaction with our services
4.3 Opt-Out Rights
You may revoke your consent at any time by:
- Texting "STOP" to any SMS message from us
- Clicking "Unsubscribe" in any email
- Contacting us at [COMPANY EMAIL] or [COMPANY PHONE]
5. User Responsibilities
5.1 Accurate Information
You agree to:
- Provide accurate, complete, and current information
- Update your information as necessary
- Maintain the confidentiality of any account credentials
- Notify us immediately of unauthorized access
5.2 Prohibited Activities
You may not:
- Use our services for any illegal purpose
- Provide false or fraudulent information
- Attempt to access unauthorized areas of our systems
- Interfere with or disrupt our services
- Reproduce, copy, or resell our content without permission
- Use our services to harm, harass, or defraud others
6. Fees and Payment
6.1 Service Fees
Initial consultations may be offered at no charge. Ongoing consulting services require payment as agreed upon during your consultation.
6.2 Payment Terms
- Payment is due as specified in your service agreement
- We accept payment methods as displayed during checkout
- All fees are in U.S. Dollars unless otherwise stated
- You are responsible for any applicable taxes
6.3 Refund Policy
Our refund policy is as follows:
- Free consultations: No refund applicable
- Paid services: Refunds are considered on a case-by-case basis
- Refund requests must be submitted in writing within [X] days of service
- We reserve the right to deny refunds for services rendered
7. Intellectual Property
All content on our website and in our materials, including but not limited to text, graphics, logos, images, videos, software, and documentation, is the property of Bright Solutions LLC and is protected by copyright, trademark, and other intellectual property laws.
You may not:
- Reproduce or distribute our content without written permission
- Use our trademarks or branding without authorization
- Create derivative works based on our materials
8. Privacy and Data Protection
Your privacy is important to us. Our collection, use, and protection of your personal information is governed by our Privacy Policy, which is incorporated into these Terms by reference.
9. Third-Party Links and Services
Our website may contain links to third-party websites or services. We are not responsible for:
- The content or practices of third-party sites
- Products or services offered by third parties
- Your interactions with third-party providers
Your use of third-party services is at your own risk and subject to their terms and policies.
10. Limitation of Liability
TO THE MAXIMUM EXTENT PERMITTED BY LAW:
- Bright Solutions LLC shall not be liable for any indirect, incidental, special, consequential, or punitive damages
- Our total liability shall not exceed the amount you paid for our services in the 12 months preceding the claim
- We are not liable for decisions you make based on our guidance
- We are not responsible for actions taken by lenders, credit bureaus, or other third parties
11. Indemnification
You agree to indemnify, defend, and hold harmless Bright Solutions LLC, its officers, directors, employees, and agents from any claims, damages, losses, liabilities, and expenses (including legal fees) arising from:
- Your use of our services
- Your violation of these Terms
- Your violation of any rights of another party
- Any false or fraudulent information you provide
12. Disclaimer of Warranties
Our services are provided "AS IS" and "AS AVAILABLE" without warranties of any kind, either express or implied, including but not limited to:
- Warranties of merchantability
- Fitness for a particular purpose
- Non-infringement
- Uninterrupted or error-free service
13. Modifications to Terms
We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting to our website. Your continued use of our services after changes constitutes acceptance of the modified Terms.
14. Termination
We reserve the right to terminate or suspend your access to our services at any time, without notice, for:
- Violation of these Terms
- Fraudulent or illegal activity
- Conduct that damages our reputation or services
- Any reason at our sole discretion
15. Governing Law and Dispute Resolution
15.1 Governing Law
These Terms shall be governed by and construed in accordance with the laws of the State of [STATE], without regard to its conflict of law provisions.
15.2 Arbitration
Any dispute arising from these Terms or our services shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association, except where prohibited by law.
15.3 Class Action Waiver
You agree to bring claims only on an individual basis and not as part of any class or representative action.
16. Severability
If any provision of these Terms is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions shall remain in full force and effect.
17. Entire Agreement
These Terms, together with our Privacy Policy and any other agreements referenced herein, constitute the entire agreement between you and Bright Solutions LLC regarding the use of our services.
18. Contact Information
19. Acknowledgment
BY USING OUR SERVICES, YOU ACKNOWLEDGE THAT:
- You have read and understood these Terms of Service
- You agree to be bound by these Terms
- You are at least 18 years of age or the age of majority in your jurisdiction
- You have the legal capacity to enter into this agreement
- You consent to receive communications as described herein