Terms of Use
Date: August 27, 2024
Welcome to usabrightline.com (“Website”), owned and operated by usabrightline.com (“we,” “us,” or “our”). These terms and conditions outline the rules and regulations for the use of 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 (“Terms”). You acknowledge that any information you provide through the Website or for the services will be provided and used 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 purpose. 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 certain 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 certain other information provided in your loan application. Not all applicants will be approved. Loans made or arranged pursuant to a California Financing Law license.
Licensure
General Licensure Information
usabrightline.com is a licensed financial services provider. We are committed to operating in full compliance with all applicable state and federal laws and regulations to ensure our customers receive the highest level of service lawfully and ethically.
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, violates any local, state, federal, or international law, infringes on copyright laws or rights of others, is unlawful, obscene, threatening, harassing or abusive, impersonates another person or entity, or contains any viruses or harmful computer code. You are solely responsible for any information you provide to us by any means.
Intellectual Property
Third-Party Sites
Unless otherwise stated, usabrightline.com and/or its licensors own the intellectual property rights for all material on this Website. All intellectual property rights are reserved. You may view and/or print pages from usabrightline.com for your personal use, subject to restrictions set in these terms and conditions.
You must not:
- Republish material from usabrightline.com
- Sell, rent, or sub-license material from usabrightline.com
- Reproduce, duplicate, or copy material from usabrightline.com
- Redistribute content from usabrightline.com (unless content is specifically made for redistribution)
While we endeavor to ensure that the information on this Website is correct, we do not warrant its completeness or accuracy, nor do we commit to ensuring that the Website remains available or that the material on the Website is kept up to date.
This Website may contain or interact with third-party platforms, services, plug-ins, applications, ads, tools, and/or other content and/or links to third-party websites or other services that are not owned, controlled, or operated by us (collectively, “Third-Party Services”). We may receive compensation for engagement with third-party links. We are not responsible for the content of any Third-Party Services. Your use of a Third-Party Service linked to the Website is at your own risk and will be governed by such third party’s terms and policies.
Any interactions, correspondence, transactions, and other dealings that you have with any third parties found on or through this Website are solely between you and the third party. You hereby agree to indemnify us against all claims, injury, and/or damages, including, without limitation, 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, we exclude all representations, warranties, and conditions relating to our Website and the use of this Website (including, without limitation, any warranties implied by law in respect of satisfactory quality, fitness for purpose, and/or the use of reasonable care and skill). This Website is provided on an “as is” and “as available” basis. We make no representations or warranties of any kind, express or implied, as to the operation of the Website or the information, content, materials, or products included on the Website or through the services. To the full extent permissible by applicable law, we disclaim all warranties, express or implied, including, but not limited to, implied warranties of merchantability and fitness for a particular purpose.
UNDER NO CIRCUMSTANCES AND UNDER NO LEGAL OR EQUITABLE THEORY, WHETHER IN TORT, CONTRACT, STRICT LIABILITY, OR OTHERWISE, SHALL WE OR ANY OF OUR EMPLOYEES, DIRECTORS, OFFICERS, AGENTS, SHAREHOLDERS, SUBSIDIARIES, OR AFFILIATES BE LIABLE TO YOU OR TO ANY OTHER PERSON FOR ANY DIRECT OR INDIRECT LOST PROFITS OR LOST BUSINESS DAMAGES, OR INDIRECT, SPECIAL, PUNITIVE, INCIDENTAL, OR CONSEQUENTIAL DAMAGES OF ANY NATURE, ARISING OUT OF OR IN CONNECTION WITH THE WEBSITE OR THESE TERMS, EVEN IF AN AUTHORIZED REPRESENTATIVE OF BRIGHTLINE FINANCIAL SERVICES, LLC HAS BEEN ADVISED OF OR SHOULD HAVE KNOWN OF THE POSSIBILITY OF SUCH DAMAGES.
Release
YOU HEREBY AGREE TO RELEASE, REMISE, AND FOREVER DISCHARGE BRIGHTLINE FINANCIAL SERVICES, LLC AND ITS SERVICE PROVIDERS AND EACH OF THEIR RESPECTIVE AGENTS, DIRECTORS, OFFICERS, EMPLOYEES, INFORMATION PROVIDERS, AND ALL OTHER RELATED, ASSOCIATED, OR CONNECTED PERSONS FROM ANY AND ALL MANNER OF RIGHTS, CLAIMS, COMPLAINTS, DEMANDS, CAUSES OF ACTION, PROCEEDINGS, LIABILITIES, OBLIGATIONS, LEGAL FEES, COSTS, AND DISBURSEMENTS OF ANY NATURE WHATSOEVER WHETHER KNOWN OR UNKNOWN, WHICH NOW OR HEREAFTER EXIST, WHICH ARISE FROM, RELATE TO, OR ARE CONNECTED WITH YOUR USE OF THIS WEBSITE OR SERVICES.
Indemnification
You agree to indemnify and hold Brightline Financial Services, LLC, our subsidiaries, affiliates, agents, shareholders, officers, contractors, vendors, employees, and service providers harmless from any claim or demand, including reasonable attorneys’ fees, made by any third party due to or arising out of your use of this Website or services, the violation of these terms by you, or the infringement by you or other users of this Website or services using your computer, of any intellectual property or other rights of any person or entity. We and our service providers assume no responsibility whatsoever for such content or actions. We reserve the right, at our own expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you.
Arbitration Agreement & Class Action Waiver
We each agree that any and all disputes or claims that have arisen or may arise between you and us relating in any way to or arising out of this or previous versions of the Terms, your use of or access to our Website and services, or any product/service sold, offered, or purchased through our Website or services shall be resolved exclusively through final and binding arbitration, rather than in court, except that if your claims are under $1,000.00, you may assert claims in small claims court if your claims qualify. The Federal Arbitration Act governs the interpretation and enforcement of this Agreement to Arbitrate section (this “Agreement to Arbitrate”).
Procedures
Arbitration is more informal than a lawsuit in court. There is no judge or jury in arbitration, and court review of an arbitration award is limited. An arbitrator can award the same damages and relief on an individual basis that a court can award to an individual. An arbitrator should apply the terms of this Agreement as a court would. The arbitrator, and not any federal, state, or local court or agency, shall have exclusive authority to resolve any dispute arising out of or relating to the interpretation, applicability, enforceability, or formation of this Agreement to Arbitrate, any part of it, or of this Agreement, including, but not limited to, any claim that all or any part of the Agreement to Arbitrate or this Agreement is void or voidable. The arbitration will be conducted by JAMS under its rules and procedures pertaining to Consumer-Related Disputes, as modified by this Agreement to Arbitrate. The arbitration shall be held in a mutually agreed location. If the value of the relief sought is $10,000 or less, you or we may elect to have the arbitration conducted by telephone or based solely on written submissions, which election shall be binding on you and us subject to the arbitrator’s discretion to require an in-person hearing if the circumstances warrant.
Attendance at an in-person hearing may be made by telephone by you and/or us unless the arbitrator requires otherwise. The arbitrator will decide the substance of all claims in accordance with the laws of the State of California, including recognized principles of equity, and will honor all claims of privilege recognized by law. The arbitrator shall not be bound by rulings in prior arbitrations involving our other users but is bound by rulings in prior arbitrations involving the same user to the extent required by applicable law. The arbitrator’s award shall be final and binding, and judgment on the award rendered by the arbitrator may be entered in any court having jurisdiction thereof.
Costs
Payment of all filing, administration, and arbitrator fees will be governed by JAMS rules unless otherwise stated in this Agreement to Arbitrate. You may obtain these costs through the JAMS website.
Prohibition of Class and Representative Actions and Non-Individualized Relief
YOU AND WE AGREE THAT EACH OF US MAY BRING CLAIMS AGAINST THE OTHER ONLY ON AN INDIVIDUAL BASIS AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE ACTION OR PROCEEDING. UNLESS BOTH YOU AND WE AGREE OTHERWISE, THE ARBITRATOR MAY NOT CONSOLIDATE OR JOIN MORE THAN ONE PERSON’S OR PARTY’S CLAIMS AND MAY NOT OTHERWISE PRESIDE OVER ANY FORM OF A CONSOLIDATED, REPRESENTATIVE, OR CLASS PROCEEDING. ALSO, THE ARBITRATOR MAY AWARD RELIEF (INCLUDING MONETARY, INJUNCTIVE, AND DECLARATORY RELIEF) ONLY IN FAVOR OF THE INDIVIDUAL PARTY SEEKING RELIEF AND ONLY TO THE EXTENT NECESSARY TO PROVIDE RELIEF NECESSITATED BY THAT PARTY’S INDIVIDUAL CLAIM(S). ANY RELIEF AWARDED CANNOT AFFECT OUR OTHER USERS.
Severability
Changes to the Agreement to Arbitrate
Notwithstanding any provision in the Agreement to the contrary, you and we agree that if we make any change to this Agreement to Arbitrate (other than a change to any notice address or site link provided herein) in the future, that change shall not apply to any claim that was filed in a legal proceeding against us prior to the effective date of the change. The change shall apply to all other disputes or claims governed by this arbitration provision that have arisen or may arise between you and us. We will notify you of changes to this Agreement to Arbitrate by posting the amended terms on our Website at least 3 days before the effective date of the changes and/or by email.
THESE TERMS PROVIDE THAT ALL DISPUTES BETWEEN US WILL BE RESOLVED BY BINDING ARBITRATION. YOU GIVE UP YOUR RIGHT TO GO TO COURT TO ASSERT OR DEFEND YOUR RIGHTS. YOU ALSO GIVE UP YOUR RIGHT TO PARTICIPATE IN OR BRING CLASS ACTIONS. YOUR RIGHTS WILL BE DETERMINED BY NEUTRAL ARBITRATORS AND NOT A JUDGE OR JURY.
Electronic Communication
When you visit this Website and use our services or communicate with us electronically, you consent to receive communications from us electronically and agree that all agreements, notices, disclosures, and other communications that we provide to you electronically satisfy any legal requirement that such communications be in writing.
Revisions to Terms
We reserve the right to make revisions to the Terms of Use and Privacy Policy at any time. Any changes made will be effective from the date of such posting without your further notice. As such, the Terms of Use and Privacy Policy posted on this Website when you access, browse, or utilize services will govern the relationship for that Website visit.
Contact Information
If you have any queries regarding any of our terms, please contact us at [email protected]