1. Introduction

Welcome to Bright Funding Inc. These Terms and Conditions ("Terms") govern your access to and use of the Bright Funding website and any related online features, forms, content, and services made available by Bright Funding (collectively, the "Service").

By accessing or using the Service, you agree to be bound by these Terms. If you do not agree to these Terms, please do not use the Service.

We may modify these Terms from time to time. Any changes will become effective when posted on this website. Your continued use of the Service after changes are posted constitutes your acceptance of the revised Terms.

2. About Bright Funding

Bright Funding provides commercial working capital solutions to eligible small and medium-sized businesses. Our products may include merchant cash advances, purchases of future receivables, term financing, lines of credit, and other commercial financing products offered directly or through third-party partners.

Bright Funding does not provide consumer credit. Our products and services are intended solely for legitimate business and commercial purposes.

Nothing on this website constitutes a commitment to provide financing, an offer to sell securities, investment advice, legal advice, tax advice, or any other professional advice.

3. Eligibility

To use the Service or submit a request for business financing, you must:

• Be at least 18 years of age
• Have the legal authority to act on behalf of the business identified in your submission
• Use the Service solely for lawful business and commercial purposes
• Provide accurate, current, and complete information
• Comply with all applicable laws and regulations

4. Financing Requests and Applications

Submitting a financing request, application, or inquiry does not guarantee approval, an offer, or funding.

All financing requests are subject to underwriting, verification, eligibility requirements, availability of capital, and execution of definitive agreements acceptable to Bright Funding and any applicable funding partner.

You represent that all information and documentation submitted to Bright Funding is accurate, complete, and not misleading. You agree to promptly provide any additional information reasonably requested in connection with underwriting, compliance, servicing, or collections.

5. Authorization to Obtain and Verify Information

By submitting information through the Service, you authorize Bright Funding and its service providers, funding partners, agents, and representatives to verify the information provided and to obtain business, financial, banking, identity, ownership, and credit-related information as permitted by applicable law.

This may include reviewing bank account information, payment processing information, business credit information, public records, ownership records, and other data relevant to evaluating a commercial financing request.

Additional authorizations may be presented during the application or underwriting process.

6. No Guarantee of Terms or Availability

Any estimates, examples, rates, payment amounts, terms, or funding ranges displayed on the website are for informational purposes only and do not constitute a binding offer.

Actual financing terms, if any, will depend on underwriting, business performance, risk factors, product availability, and other considerations. Final terms will be set forth only in executed financing documents.

7. Acceptable Use

You agree not to:

• Use the Service for any unlawful, fraudulent, deceptive, or abusive purpose
• Submit false, incomplete, or misleading information or documentation
• Impersonate another person or business
• Attempt to gain unauthorized access to any system, account, network, or data
• Interfere with or disrupt the operation, integrity, or security of the Service
• Upload malicious code, viruses, or other harmful material
• Use automated tools to scrape, copy, or extract information from the Service without authorization
• Use the Service in a manner that violates the rights of Bright Funding or any third party

8. Electronic Communications

By using the Service or providing your contact information, you consent to receive communications from Bright Funding electronically, including by email, telephone, and text message, as permitted by applicable law and subject to any additional consent language presented to you.

You are responsible for ensuring that the contact information you provide is accurate and current.

9. Third-Party Services and Links

The Service may contain links to third-party websites or may rely on third-party service providers for identity verification, banking connectivity, underwriting, document processing, payment processing, analytics, hosting, or other functions.

Bright Funding is not responsible for the availability, content, security, or privacy practices of third-party websites or services. Your use of third-party services may be governed by separate terms and privacy policies.

10. Intellectual Property

All content on the Service, including text, graphics, logos, designs, software, trademarks, service marks, and other materials, is owned by Bright Funding Inc. or its licensors and is protected by applicable intellectual property laws.

You may not copy, reproduce, modify, distribute, display, publish, create derivative works from, or commercially exploit any portion of the Service without our prior written consent.

11. Privacy

Your use of the Service is also subject to our Privacy Policy, which describes how Bright Funding collects, uses, discloses, and protects personal and business information.

12. Disclaimers

The Service is provided on an "as is" and "as available" basis. To the fullest extent permitted by law, Bright Funding disclaims all warranties, express or implied, including warranties of merchantability, fitness for a particular purpose, non-infringement, accuracy, availability, and security.

We do not warrant that the Service will be uninterrupted, error-free, secure, or free from viruses or other harmful components.

13. Limitation of Liability

To the fullest extent permitted by law, Bright Funding and its officers, directors, employees, affiliates, agents, service providers, and funding partners will not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages arising out of or relating to your access to or use of the Service.

Nothing in these Terms excludes or limits liability that cannot lawfully be excluded or limited.

14. Indemnification

You agree to indemnify and hold harmless Bright Funding and its officers, directors, employees, affiliates, agents, and service providers from claims, liabilities, damages, losses, and expenses arising from your misuse of the Service, your violation of these Terms, or your violation of applicable law or the rights of another person.

15. Suspension and Termination

We may suspend, restrict, or terminate access to the Service at any time if we reasonably believe you have violated these Terms, engaged in unlawful or fraudulent activity, created a security risk, or otherwise acted in a manner harmful to Bright Funding or another party.

16. Governing Law

These Terms are governed by the laws of the State of Delaware, without regard to its conflict of laws principles.

Any dispute arising from or relating to these Terms or the Service will be brought in a court of competent jurisdiction, subject to any dispute resolution provisions contained in a separate agreement between you and Bright Funding.

17. Severability

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions will remain in full force and effect.

18. Entire Agreement

These Terms, together with our Privacy Policy and any additional terms presented through the Service, constitute the agreement governing your use of the Service. Any financing transaction is governed separately by the applicable executed financing documents.

19. Contact Information

If you have questions about these Terms, please contact us at:

Bright Funding Inc.
Email: [email protected]