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

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

4.2 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

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