BRIGHT CAPITAL FINANCE
FREQUENTLY ASKED QUESTIONS
Liberty Financials , set forth the terms and conditions (“Terms”) that apply to your access and use of all Liberty Financials products and services (together, the “Liberty Financials ” or “Services”), that are made available through our websites including but not limited to as well as through certain downloadable mobile applications (together, the “Site”). “Liberty Financials ” includes Liberty Financials , Inc. and its officers, directors, employees, consultants, affiliates, subsidiaries and agents. The Liberty Financials are intended for U.S. residents only and may include, but are not limited to, free credit score; access to third party rewards programs; platforms that enable users to locate and contact U.S. financial services, as well as professionals, such as third party experts, advocates, and advisors, who can provide various services; discussion forums, community forums, bulletin boards, review services, and forums in which users may ask questions of third party advisors; and platforms that enable users to apply to pre-qualify for certain credit card or loan offers.
By using or accessing the Liberty Financials Services you agree to these Terms, as updated from time to time in accordance with Section 8 below. Because Liberty Financials provides a wide range of services, we may ask you to review and accept supplemental terms that apply to your interaction with a specific product or service. These Terms state that any disputes between you and Liberty Financials must be resolved in binding arbitration or small claims court and that you waive the right to participate in any class action. You may opt out of arbitration and the class action waiver by following the procedures in Section 12.G below.
To use some of the Services, you may need to provide information such as credit card or bank account numbers to third parties. For more information, see our.
1. Registration and Account Security. To use the Services you must (i) be at least eighteen (18) years of age; (ii) have not previously been suspended or removed from the Services; and (iii) register for and use the Services in compliance with any and all applicable laws and regulations.
a) Account Registration. To access some features of the Services, you may be required to register for an account. When you register for an account, we may ask you to give us certain identifying information about yourself, including but not limited to your email address and other contact information, and to create a user name and password (“Registration Information”). When registering for and maintaining an account, you agree to provide true, accurate, current, and complete information about yourself. You also agree not to impersonate anyone, misrepresent any affiliation with anyone else, use false information, or otherwise conceal your identity from Liberty Financials for any purpose.
b) You Are Responsible For Your Account. You are solely responsible for maintaining the confidentiality and security of your password and other Registration Information. For your protection and the protection of other users, we ask you not to share your Registration Information with anyone else. If you do share this information with anyone, we will consider their activities to have been authorized by you. If you have reason to believe that your account is no longer secure, you must immediately notify us.
2. Specific Requirements for Certain Services. Your use of the Services constitutes your acknowledgment and acceptance of the following specific requirements and terms of use for certain of the Liberty Financials .
A) Pre-qualified Loan Rates. Pre-qualified Loan Rates is a platform that allows users to submit a request to be matched with one of Liberty Financials Loan Provider Partners to pre-qualify for certain loan Annual Percentage Rates (“APR”), and requires registration of a user account. In order to offer you a pre-qualified rate, the Loan Provider Partners need your consent to use and accept electronic signatures, records, and certain disclosures.
B) Free Credit Score. Liberty Financials provides members with free access to their TransUnion VantageScore 3.0 credit score and report (“Credit Score”). In order to access your Credit Score you must provide Liberty Financials the following credit pull authorization:
i. I hereby authorize Liberty Financials and its wholly-owned subsidiaries to periodically obtain and use consumer reports about me in order to provide me with: (1) access to my free credit score, including periodic updates to my credit score; and (2) recommendations regarding financial products and services that may be of interest to me, including credit cards, personal loans, home loans and other financial products and services offered by Liberty Financials partners. I also hereby authorize Liberty Financials to share my credit score with its wholly-owned subsidiaries in order to allow its wholly-owned subsidiaries to provide me with such financial recommendations.
C) Link My Account. Link My Account is a feature that allows you to track all of your third-party financial accounts on Liberty Financials website. By using the Link My Account Service you grant Liberty Financials
D) Money Transfer.Liberty Financials Money Transfer (“Money Transfer”) is a service operated and powered by Dwolla, Inc. (“Dwolla”), which allows a user to transfer money between two or more of their own savings and/or checking accounts. In order to use Money Transfer, you must open a “Dwolla Platform” account provided by Dwolla . Any funds held in the Dwolla account are held by Dwolla’s financial institution partners as set out in the Dwolla Terms of Service. By registering for and using this service, you authorize Liberty Financials to share your identity and bank account data with Dwolla for the purposes of opening and supporting your Dwolla account, and understand that you are responsible for the accuracy and completeness of that data. You understand that you will access and manage your Dwolla account through the Liberty Financials Service, and Dwolla account notifications will be sent by Liberty Financials , not Dwolla. Money Transfers may take up to five days to be completed and may not be reflected in your bank statement until that time. You are solely responsible for ensuring there are sufficient funds in your bank account at the time of transfer and, if not, you accept responsibility for any non-sufficient fund or overdraft fees that your bank may charge as a result. Liberty Financials will provide customer support for your Dwolla account activity
e) Forums. Liberty Financials may offer features that allow users to share content, comments and opinions on financial topics with other users in the Community Forum, as well as other user discussion forum platforms (collectively, the “Forum”). Your use of the Forum is governed by these Terms of Use, as well as our
i) Forum content are the contributions of independent users not affiliated with Liberty Financials , whose opinions are their own. Liberty Financials does not guarantee the accuracy, integrity or quality of the opinions and advice posted on the Forum. Your use of any user content provided in the Forum is at your own risk.
ii) Liberty Financials may, but is not required to, monitor Forum content and reserves the right to edit, correct or delete any Forum content for any reason at our sole discretion.
iii) You hereby grant to Liberty Financials t a royalty-free, perpetual, irrevocable, non-exclusive right and license to use, reproduce, modify, translate, transmit and distribute any content, information or material you submit or post to the Forum, in any medium now in existence or hereafter developed, for any purpose, including commercial uses.
iv) We may terminate a user’s access or ability to use the Forum, immediately, without notice, and at our sole discretion, for user’s failure to comply with any terms or conditions of the Terms of Use
f) Liberty Financials Cash Back. This feature allows you to get cash back on eligible purchases when you register one or more credit cards with the Liberty Financials Cash Back program, operated by our third party service provider Empyr, Inc. By registering a credit card with Liberty Financials Cash Back,
3. Third Party Services.
a) Advice from Third Parties. Some of the Services involve advice from third parties and third party content. You agree that any such advice and content is provided for information, education, and entertainment purposes only, and does not constitute legal, financial, tax planning, medical, or other advice from Calvert Guarantee Financials . You agree that Liberty Financials is not liable for any advice provided by third parties. You agree that you are responsible for your own financial research and financial decisions, and that Liberty Financials is not responsible or liable for any decisions or actions you take or authorize third parties to take on your behalf based on information you receive as a user of Liberty Financials .
b) Sharing Information With Third Parties. To use some of the Services, you may need to provide information such as credit card numbers, bank account numbers, and other sensitive financial information, to third parties. By using the Services, you agree that Liberty Financials may collect, store, and transfer such information on your behalf, and at your sole request. You agree that your decision to make available any sensitive or confidential information is your sole responsibility and at your sole risk. Liberty Financials has no control and makes no representations as to the use or disclosure of information provided to third parties. You agree that these third party services are not under Liberty Financials control, and that Liberty Financials is not responsible for any third party’s use of your information.
c) Liberty Financials Does Not Endorse Third Parties. The Services may contain links to third party websites and services. Liberty Financials provides such links as a convenience, and does not control or endorse these websites and services. You acknowledge and agree that Liberty Financials has not reviewed the content, advertising, products, services, or other materials that appear on such third party websites or services, and is not responsible for the legality, accuracy, or appropriateness of any such content, and shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with the use of any such third party websites or services.
4. Prohibited Conduct. You agree not to:
a) Use the Services for any illegal purpose, or in violation of any local, state, national, or international law;
b) Violate or encourage others to violate the rights of third parties, including intellectual property rights;
c) Post, upload, or distribute any content that is unlawful, defamatory, libelous, inaccurate, or that a reasonable person could deem to be objectionable, profane, indecent, pornographic, harassing, threatening, hateful, or otherwise inappropriate;
d) Interfere in any way with security-related features of the Services;
e) Interfere with the operation or any user’s enjoyment of the Services, including by uploading or otherwise disseminating viruses, adware, spyware, worms, or other malicious code, making unsolicited offers or advertisements to other users, or attempting to collect personal information about users or third parties without their consent;
f) Access, monitor or copy any content or information of the Site using any robot, spider, scraper, or other automated means or any manual process for any purpose without Liberty Financials express written permission;
g) Perform any fraudulent activity, including impersonating any person or entity, claiming false affiliations, accessing the accounts of other users without permission, or falsifying your identity or any information about you, including age or date of birth; or
h) Sell or otherwise transfer the access granted herein.
5. Intellectual Property and User Content. Liberty Financials Services are protected by applicable copyright and other intellectual property laws, and no materials from the Services may be copied, reproduced, republished, uploaded, posted, transmitted, or distributed in any way without our express permission. All trademarks and service marks on the Services belong to Liberty Financials , except third-party trademarks or service marks, which are the property of their respective owners. You represent and warrant that you own or otherwise have the right to use any content you post to the Services. If you believe that your content has been used in a way that constitutes copyright
You must provide the following information: an electronic or physical signature of the copyright owner or the person authorized to act on behalf of the copyright owner; a description of the copyrighted work that you claim has been infringed; a description of where the material that you claim is infringing is located; your address, telephone number, and email address; a written statement that you have a good faith belief that the disputed use is not authorized by the copyright owner, its agent, or the law; a statement by you, made under penalty of perjury, that the above information in your notice is accurate and that you are the copyright owner or authorized to act on the copyright owner’s behalf. Liberty Financials has adopted and implements a policy that provides for termination in appropriate circumstances of accounts of users who repeatedly infringe copyright or other intellectual property rights of Calvert Guarantee Financials or others.
6. Indemnification. You agree that you will be personally responsible for your use of the Services, and you agree to defend, indemnify, and hold harmless Liberty Financials from and against any and all claims, liabilities, damages, losses, and expenses (including attorneys’ and accounting fees and costs), arising out of or in any way connected with (i) your access to, use of, or alleged use of the Services; (ii) your violation of the Terms or any applicable law or regulation; (iii) your violation of any third party right, including without limitation any intellectual property right, publicity, confidentiality, property, or privacy right; or (iv) any disputes or issues between you and any third party. Liberty Financials reserves the right, at our own expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, and in such case, you agree to cooperate with our defense of such claim.
7. Termination. If you violate these Terms, your permission to use the Services will automatically terminate. In addition, Liberty Financials in its sole discretion may suspend or terminate your user account and/or suspend or terminate some or all of your access to the Services at any time, with or without notice to you. You may terminate your account at any time by contacting Customer Service . After your account is terminated, information and content previously provided by you will no longer be accessible through your account, but Liberty Financials may continue to store such information and content, and it may also be stored by third parties to whom it has been transferred through your use of the Services.
8. Modification of the Terms. Liberty Financials reserves the right at any time to modify these Terms and to impose new or additional terms or conditions on your use of the Services. Such modifications and additional terms and conditions will be effective immediately upon notice and incorporated into these Terms. We will make reasonable efforts to notify you of any material changes to the Terms, including, but not limited to, by posting a notice to our website or by sending an email to any address you may have provided to us. Your continued use of the Services following notice will be deemed acceptance of any modifications to the Terms.
9. Disclaimers of Warranties. The Services are provided “as is” and on an “as available” basis, without warranty or condition of any kind, either express or implied. Although Liberty Financials seeks to maintain safe, secure, accurate, and well-functioning services, we cannot guarantee the continuous operation of or access to our Services, and there may at times be inadvertent technical or factual errors or inaccuracies.
a) No Warranties. Liberty Financials specifically (but without limitation) disclaims (i) any implied warranties of merchantability, fitness for a particular purpose, quiet enjoyment, or non-infringement; and (ii) any warranties arising out of course-of-dealing, usage, or trade. You assume all risk for any/all damages that may result from your use of or access to the Services. Liberty Financials is not responsible for the loss of, damage to, or unavailability of any information you have made available through the Services, and you are solely responsible for ensuring that you have backup copies of any information you have made available through the Services.
b) No Guarantee Of Accuracy.Liberty Financials does not guarantee the accuracy of, and disclaims all liability for, any errors or other inaccuracies in the information, content, recommendations, and materials made available through the Services.
c) Services Provided For Informational Purposes. The information provided through the Services is provided solely for informational, educational, or entertainment purposes. Liberty Financials and the Services are not endorsed by or affiliated with FINRA, and Liberty Financials is not a financial institution or insurance provider. Liberty Financials makes no representations, warranties, or guarantees, express or implied, regarding the results or savings that may be obtained through the use of the Services. Before making any financial decisions or implementing any financial strategy, including recommendations of third parties identified through the Services, Liberty Financials recommends that you obtain additional information and advice of accountants or other financial advisors who are fully aware of your individual circumstances.
d) No Warranties Regarding Third Parties. Liberty Financials makes no representations, warranties, or guarantees, express or implied, regarding any third party service or advice provided by a third party, or any quotes or offers provided through the Services. Liberty Financials does not endorse any particular advisor or other third party. Liberty Financials acts solely as an intermediary between you and third party service providers and expressly disclaims any and all liability for any content, products, or services provided by such service providers. See Section 3, above, for more information regarding third parties and third party services.
10. Limitation of Liability. In no event will Liberty Financials be liable to you for any incidental, special, consequential, direct, indirect, or punitive damages, whether based on warranty, contract, tort (including negligence), statute, or any other legal theory, whether or not Liberty Financials has been informed of the possibility of such damage. Some jurisdictions do not allow the disclaimer of warranties or limitation of liability in certain circumstances. Accordingly, some of the above limitations may not apply to you.
11. Governing. These Terms are governed by the laws of the State of California, without regard to conflict of law principles. Subject to Section 12, which provides that disputes are to be resolved through binding arbitration or small claims court, to the extent that any lawsuit or court proceeding is permitted hereunder, you and Liberty Financials agree to submit to the exclusive personal jurisdiction of the state courts and federal courts located within San Francisco County, California, for the purpose of litigating all such disputes. We operate the Services from our offices in California, and we make no representation that information and materials included in the Services are appropriate or available for use in other locations.
12. Dispute Resolution by Binding Arbitration; Class Action Waiver. In the interest of resolving disputes between you and Liberty Financials in the most expedient and cost-effective manner, you and Liberty Financials agree to resolve disputes through binding arbitration or small claims court instead of in courts of general jurisdiction (“Agreement to Arbitrate”). Arbitration is more informal than a lawsuit in court. Arbitration uses a neutral arbitrator instead of a judge or jury, allows for more limited discovery than in court, and is subject to very limited review by courts. Arbitrators can award the same damages and relief that a court can award. Any arbitration under these Terms will take place on an individual basis; class arbitrations and class actions are not permitted. You acknowledge and agree that 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 individual party’s claim(s). Any relief awarded cannot affect other users.
a) Claims To Be Resolved By Binding Arbitration. You and Liberty Financials agree to arbitrate all disputes and claims between us. This agreement to arbitrate is intended to be broadly interpreted. It includes, but is not limited to: claims arising out of or relating to any aspect of the relationship between us, whether based in contract, tort, statute, fraud, misrepresentation, or any other legal theory; claims that arose before this or any prior Terms; claims that are currently the subject of purported class action litigation in which you are not a member of a certified class; and claims that may arise after the termination of these Terms.
b) Exceptions. Notwithstanding Section 12(A), you and Liberty Financials agree that no statement herein shall be deemed to waive, preclude, or otherwise limit either party’s right to (i) bring an individual action in small claims court; (ii) pursue enforcement actions through applicable federal, state, or local agencies where such actions are available; (iii) seek injunctive relief in any competent court of law; or (iv) to file suit in a court of law to address intellectual property infringement claims.
c) Arbitrator. Any arbitration between you and Liberty Financials will be governed by the Commercial Dispute Resolution Procedures and the Supplementary Procedures for Consumer Related Disputes (collectively, “AAA Rules”) of the American Arbitration Association (“AAA”), as modified by these Terms, and will be administered by the AAA. The AAA Rules and filing forms are available online , by contacting Liberty Financials .
d) Notice and Process. A party who intends to seek arbitration must first send to the other, by certified mail, a written Notice of Dispute (“Notice”). The Notice to Calvert Guarantee Financials should be addressed to: Liberty Financials , Inc., The Notice must (a) describe the nature and basis of the claim or dispute; and (b) set forth the specific relief sought (“Demand”). If you and Liberty Financials do not reach an agreement to resolve the claim within 30 days after the Notice is received, you or Liberty Financials t may commence an arbitration proceeding.
e) Fees. In the event that you commence arbitration in accordance with these Terms, Liberty Financials will, at your request, reimburse you for your payment of the arbitration filing fee, unless your claim is for greater than $10,000, in which case the payment of any fees shall be decided by the AAA Rules. Any request for payment of fees by Calvert Guarantee Financials should be submitted by mail to the AAA along with your Demand for Arbitration and Liberty Financials will make arrangements to pay all necessary fees directly to the AAA. In the event the arbitrator determines the claim(s) you assert in the arbitration to be frivolous or brought for an improper purpose (as measured by the standards set forth in Federal Rule of Civil Procedure 11(b)), you agree to reimburse Calvert Guarantee Financials for all fees associated with the arbitration paid by Calvert Guarantee Financials on your behalf that you otherwise would be obligated to pay under the AAA’s rules.
If your claim is for $10,000 or less, you may choose whether the arbitration will be conducted solely on the basis of documents submitted to the arbitrator, through a non-appearance based telephonic hearing, or by an in-person hearing as established by the AAA Rules. Any in-person arbitration hearings will take place at a location to be agreed upon in San Francisco County, California. Regardless of the manner in which the arbitration is conducted, the arbitrator shall issue a reasoned written decision sufficient to explain the essential findings and conclusions on which the decision and award, if any, are based. The arbitrator may make rulings and resolve disputes as to the payment and reimbursement of fees or expenses at any time during the proceeding and upon request from either party made within 14 days of the arbitrator’s ruling on the merits.
f) No Class Actions. Unless both you and Liberty Financials agree otherwise, the arbitrator may not consolidate more than one person’s claims, and may not otherwise preside over any form of a representative or class proceeding.
g) Opt-Out. If you are a new Liberty Financials user, you can choose to reject the arbitration agreement contained in this Section 12 (“opt-out”) by mailing us a written opt-out notice (“Opt-Out Notice”). The Opt-Out Notice must be postmarked no later than thirty (30) days after the date you accept these Terms for the first time. You must mail the Opt-Out Notice to the Notice Address listed in Section 12(D), above.
The Opt-Out Notice must contain your name, address (including street address, city, state and zip code), and the user name(s) and email address(es) associated with the Liberty Financials account(s) to which the opt-out applies. You must sign the Opt-Out Notice for it to be effective. This procedure is the only way you can opt out of the Agreement to Arbitrate. If you opt out of the Agreement to Arbitrate, all other parts of the Terms will continue to apply to you. Opting out of this Agreement to Arbitrate has no effect on any previous, other, or future arbitration agreements that you may have with Liberty Financials .
h) Modifications. If Liberty Financials makes any future change to this Agreement to Arbitrate (other than a change to the Notice Address), you may reject any such change by sending us written notice within 30 days of the change to the Notice Address provided above. You acknowledge and agree that, in the event you reject any future change, your account with Liberty Financials shall be immediately terminated and you will arbitrate any dispute between us in accordance with the language of this provision.
i) Severability and Enforceability. If an arbitrator or court decides that any part of this Section 12 is invalid or unenforceable, the other parts of this Section 12 shall still apply. If the entirety of this Section 12 is found to be unenforceable, then the parties agree that the exclusive jurisdiction and venue described in Section 11 shall govern any action arising out of or related to these Terms, and that the remainder of the Terms will continue to apply.
13. Modification of the Services. Liberty Financials reserves the right to modify or discontinue, temporarily or permanently, some or all of the Services at any time without any notice or further obligation to you. You agree that Liberty Financials will not be liable to you or to any third party for any modification, suspension, or discontinuance of any of the Services.
14. General.
a) Entire Agreement. These Terms, together with the constitute the entire and exclusive understanding and agreement between you and Liberty Financials regarding your use of and access to the Services, and except as expressly permitted above may only be amended by a written agreement signed by authorized representatives of the parties.
b) No Waiver. The failure to require performance of any provision shall not affect our right to require performance at any time thereafter, nor shall a waiver of any breach or default of the Terms constitute a waiver of any subsequent breach or default or a waiver of the provision itself.
c) Paragraph Headers. Use of paragraph headers in the Terms is for convenience only and shall not have any impact on the interpretation of particular provisions.
d) Severability. In the event that any part of the Terms is held to be invalid or unenforceable, the unenforceable part shall be given effect to the greatest extent possible and the remaining parts will remain in full force and effect.
e) Partner Terms. In some instances, Liberty Financials third party partners require that Liberty Financials users agree to be bound by some additional terms of use that are specific to particular products or services (“Partner Terms”). In the event of any conflict between the Partner Terms and Liberty Financials Terms of Use, Terms of Use govern and control.