Agreement and Acknowledgment

BrighterLoan is proposed to be used just by individuals who are over the legal age of 18 and individuals who are legal US citizens. We ask you to take a couple of minutes to survey these terms expressed in this present Privacy Policy. By consenting to use BrighterLoan's services you are consenting to the policy expressed here. On the off chance that you aren't in agreement with the terms of this policy or as of now are under the legal age of eighteen (18) or not a US resident at that point please shun from using our services.

Change notification to BrighterLoan Privacy practices

We unequivocally claim our authority to refresh our Privacy Policy keeping in mind the end goal to mirror these changes we need to make to our current information practices. If changes are made to BrighterLoan information practices this privacy policy will be reconsidered. We encourage you to dependably audit and read our privacy policy each time you visit this site or choose to use our services.

Information We Collect

In the course of using this Website, we may collect personal information and data to (i) present you with financial products and/or other offerings that you seek; (ii) present the contents of this Website to you; (iii) deliver services that you have requested; (iv) communicate with you via telephone, email, postal mail, and/or text message from us, our marketing partners, and/or other third parties; (v) display advertising tailored to you interests or background; (iv) perform data and statistical analysis from your use of this Website; (v) enforce our Terms and Conditions; and (vi) perform any other functions otherwise described to you when you provide us with your information.. Any collection of personal information or data through this Website is performed with your consent.

Personally Identifiable Information. We may collect Personally Identifiable Information ("PII") that you directly provide to us that can identify you, including, but not limited to, your first and last name, physical address, telephone number, cellular number, social security number, email address, date of birth, driver’s license number, state of residency and information pertaining to your bank account.

Non-Personally Identifiable Information. We also collect information automatically as you navigate through this Website. We use log files and cookies to collect Non-Personally Identifiable Information ("Non-PII") including, but not limited to, the IP address of the computer or mobile device making the request, browser type and the times you access this Website and usage details. Please note that IP addresses are not usually associated with your personal computer, but with a portal through which you accessed the Internet. Consequently, IP addresses are not linked to personally identifiable information.

Cookies. As you navigate through and interact with this Website, we may use automatic data collection technologies ("Cookies") to collect certain information, including but not limited to, information about your equipment, browsing actions and patterns, operating system, internet connection and location data. The information we collect automatically may include personal information, and we may maintain it or compound it with personal information we collect in other ways or receive from third parties. Cookies help us improve this Website so we are able to deliver a better and more personalized experience by reducing unwanted information that you might otherwise receive.

How We Use Your Information

We use the information that we collect through your interaction with this Website as well as information that you provide to us, including personal information. This information is used (i) to present the contents of this Website to you; (ii) to deliver services that you have requested; (iii) to determine whether to extend an offer to become an Affiliate or Advertiser in our Network; (iv) to communicate with you via telephone, email, postal mail, and/or text message from us, our marketing partners, or other third parties; (v) for display advertising tailored to your interests or background; (vi) perform data and statistical analysis from your use of this Website; (vii) enforce our Terms and Condition; and (viii) to perform any other functions otherwise described to you when you provide us with your information.

Disclosing Your Information

As a general rule, we will not share, sell or otherwise distribute your personal information without your consent. However, we may disclose personal information that we collect or you provide as described in this Policy (i) to fulfill the purpose for which you provide your information; (ii) for any other purpose disclosed by us when you provide us your information; (iii) to third party service providers who assist us in operating this Website, conducting our business or serving our users, so long as such information is kept confidential; (iv) with affiliated entities; (v) to comply with any court order, law, legal process, and/or government or regulatory request; (vi) as part of a liquidation or bankruptcy proceeding, to a buyer or other successor in the event of a merger, reorganization, dissolution or divestiture of some or all of our assets.

Data Retention and Security

By accessing and navigating through this Website, you hereby acknowledge and agree that BrighterLoan may retain your information indefinitely. Please note that any transmission of personal information is at your own risk.

Commitment to Online Security. BrighterLoan uses reasonable efforts to protect the security of your personal information and encrypt sensitive information such as your social security number, driver license number and bank account information. Although we strive to provide reasonable security measures for your personal information that we process and maintain, we cannot guarantee the security of your personal information transmitted to and through this Website.

No Liability for Acts of Third Parties. BrighterLoan will exercise all reasonable efforts to safeguard the confidentiality of your personal information. However, transmissions protected by industry standard security technology and implemented by human beings cannot be made absolutely secure. Consequently, BrighterLoan shall not be liable for unauthorized disclosure of personal information due to no fault of BrighterLoan including, but not limited to, errors in transmission and unauthorized acts of third parties.

Opt-out

We may collect information about you particularly your email address from sources other than you, such as from social media websites (i.e. Facebook, LinkedIn, Twitter or others), blogs, other users and our business partners.

If you do not wish to receive email offers or newsletters from us, you can opt out of receiving email information from us (other than emails related to the completion of your registration, correction of user data, change of password and other similar communications essential to your transactions through our Services) by using the unsubscribe process at the bottom of the email.

LINKS TO THIRD-PARTY WEBSITES

Our Website, as well as the email messages sent with respect to our Services, may contain links or access to websites operated by third parties that are beyond our control. For example, if you click to request for a product such as a loan via brighterloan.com , you may be linked to a third-party website to complete a request. Links or access to third parties from our Services are not an endorsement by us of such third parties, or their websites, requests, products, services, or practices. We are not responsible for the privacy policy, terms and conditions, practices or the content of such third parties.

Information Sharing with Affiliates

When you put in a request for a quote or information you are in fact granting BrighterLoan or our affiliates to contact you. We will share both the loan request data and your contact information which you submit for a quote in addition to your BrighterLoan account number info with our affiliated companies like commercial lenders, licensed loan brokers and banks so that we can fulfill information requests that we get from you in order to ensure a superior service by providing service and product opportunities which may interest you and also various other business purposes we could disclose all information we have collected as described above with the following affiliated companies: mortgage and life insurance companies, numerous financial service providers, debt and credit services, title service companies and auto finance companies.

Push Notifications

We may send push notifications or alerts to your device. We use push information to send you notifications related to offers. At any time, you can manage your push notification preferences or deactivate these notifications at any time by turning off the notifications in the browser settings of your device.

BrighterLoan is not a moneylender and does not make advances or credit choices. BrighterLoan merely gives a connecting service and is not a delegate, operator, or correspondent for any specialist organization or lender. You are under no compulsion to use BrighterLoan's service to contact with, fill credit from, or accept any loan offer from any service provider or lender. This service is not available in all states.

BrighterLoan doesn't charge any fee for submitting a loan request. BrighterLoan is not a loan giver and does not lend money. In light of the data you submit, BrighterLoan will look through its huge network of lenders keeping in mind the end goal to connect you with a loan provider that might have the capacity to serve your requirements.

In the event that your loan request is acknowledged by a loan provider, you will be diverted to an e-signature page on the moneylender's site. All expenses and rate data charged by the moneylender ought to be disclosed to you around then. You should thoroughly understand the charges and rate information given by the money lender before consenting to the terms of the credit or signing any official records. You are under no commitment to acknowledge the terms.

In the event that you decide that the advance terms given by the lender are satisfactory and wish to continue, you may e-signature the record proving your concurrence with those terms. After signing, you will go into a lawfully binding contract with the loan provider and will be in charge of all risk related to the agreement. Your legally binding commitments are to the loan providers, and not to BrighterLoan. The loan cost and loan fees you consent to are set exclusively by the moneylender and not BrighterLoan.

BrighterLoan does not ensure that your advance request will be accepted by a lender or other specialist organization. In case that you are offered a loan, BrighterLoan does not ensure that the charges and rates will be adequate to you or that your advance will be subsidized. All choices relating to your loan are the moneylenders' choices, not BrighterLoan's.

Loan terms may vary depending on the lender that you are connected with. This website does not constitute an offer or solicitation to lend. We at BrighterLoan try our best to connect you with the most suitable lender, however approval for funding/loan is not guaranteed and is fully determined by the lender. The form on the website will not be considered as an application for a loan and brighterloan.com will share PII with third-parties for the purpose of connecting consumers with lenders. Third-party provider may conduct credit checks related to the user's request. brighterloan.com will not charge any fee or remuneration from the user of this website, however the operator of this website is compensated by lenders for connecting consumers with lenders.

IT IS TO BE NOTED THAT THIS CONSENT IS REQUIRED BY LENDERS WITH WHOM YOU WILL BE CONNECTED. THIS CONSENT DOES NOT BY ANY MEANS BRING THE OWNER OF THE WEBSITE INTO AN AGREEMENT (BETWEEN YOU AND OWNER) THAT IS GOVERNED BY THE COURT OF LAW. THE OWNER OF THIS WEBSITE DOES NOT GUARANTEE OR ASSURES ANYTHING AFTER THIS CONSENT COMES INTO EFFECT. THE OWNER OF THIS WEBSITE GENERALLY AND SPECIFICALLY DISCLAIMS ANY AND ALL LIABILITY FOR USE OF THIS CONSENT DOCUMENT.

Please read this information carefully and print a duplicate and/or retain this information for future reference.

Introduction

In order to offer you a loan, one or more of the third party lenders need your consent to use and accept electronic signatures, records, and disclosures ("E-Consent"). This form from such lender notifies you of your rights when receiving electronic disclosures, notices, and information. By tapping on the link/ button assenting to this notice, you acknowledge that you received this E-Consent and that you consent to direct transactions utilizing electronic signatures, electronic disclosures, electronic records, and electronic contract documents ("Disclosures").

Option for Paper or Non-Electronic Records

You may request any Disclosures in paper by contacting the third party lender directly. The lenders will provide paper copies at no charge.

The scope of Consent

The lender has informed us that this E-Consent applies to all interactions online concerning you and the third party lender and includes those interactions engaged in on any mobile device, including phones, advanced mobile phones, and tablets. By exercising this E-Consent, the third party lender may process your information and interact amid every single online interaction with you electronically. The lender may likewise send you notices electronically related to its interactions and transactions. Disclosures might be provided online at our or third-party lenders' websites and might be provided by e-mail.

Consenting to Do Business Electronically

Before you decide to work together electronically with the third party lenders, you ought to consider whether you have the required hardware and software capabilities described below.

Hardware and Software Requirements

To access and retain the Disclosures and Communications electronically, you will need to use the following computer software and hardware:

• Internet access with 128-bit encryption
• Adobe Acrobat Reader 6 or higher
• Ability to Print
• Internet Explorer 8 or higher
• Email Acces
• Firefox version 3.6 or higher

Withdrawing Consent

Your E-Consent for our third-party lenders' consideration of your coordinating request can't be pulled back because it is a one-time transaction. If you are connected with one or more third-party lenders, you are free to pull back your E-Consent with those third-party lenders whenever and at no charge. However, in the event that you pull back this E-Consent before receiving credit, you might be prevented from acquiring credit from that lender. Contact the third party lender directly on the off chance that you wish to pull back this E-consent. If you decide to pull back this E-Consent, the legal effectiveness, legitimacy, and enforceability of prior electronic Disclosures won't be affected.

Change to Your Contact Information. You should keep third-party lenders informed of any change in your electronic address or mailing address. You may update such information by logging into the third party lender's website or by sending the lender a written update via mail.

YOUR ABILITY TO ACCESS DISCLOSURES

BY CLICKING THE LINK, YOU ASSENT TO THE TERMS OF THIS DISCLOSURE YOU ACKNOWLEDGE THAT YOU CAN ACCESS THE DISCLOSURES IN THE DESIGNATED FORMATS DESCRIBED ABOVE.

CONSENT

BY CLICKING THE LINK,YOU ACKNOWLEDGE YOU HAVE READ THIS INFORMATION ABOUT ELECTRONIC SIGNATURES, RECORDS, DISCLOSURES, AND DOING BUSINESS ELECTRONICALLY. YOU CONSENT TO USING ELECTRONIC SIGNATURES, HAVING ALL DISCLOSURES PROVIDED OR MADE AVAILABLE TO YOU IN ELECTRONIC FORM AND TO DOING BUSINESS WITH THE LENDER ELECTRONICALLY. YOU ACKNOWLEDGE THAT YOU MAY REQUEST A PAPER COPY OF THE ELECTRONIC RECORDS AND DISCLOSURES, WHICH WILL BE PROVIDED TO YOU AT NO CHARGE. IF YOU REFRAIN FROM PROCEEDING THEN YOU NEITHER WISH TO USE ELECTRONIC SIGNATURES NOR CONDUCT THIS TRANSACTION ELECTRONICALLY. YOU ALSO ACKNOWLEDGE THAT YOUR CONSENT TO ELECTRONIC DISCLOSURES IS REQUIRED TO RECEIVE SERVICES FROM THIRD PARTY LENDERS OVER THE INTERNET.

BrighterLoan doesn't charge any fee for submitting a loan request. BrighterLoan is not a loan giver and does not lend money. In light of the data you submit, BrighterLoan will look through its huge network of lenders keeping in mind the end goal to connect you with a loan provider that might have the capacity to serve your requirements.

Acceptance of offer and E-Signature
In the event that your loan request is acknowledged by a loan provider, you will be diverted to an e-signature page on the moneylender's site. All expenses and rate data charged by the moneylender ought to be disclosed to you around then. You should thoroughly understand the charges and rate information given by the money lender before consenting to the terms of the credit or signing any official records. You are under no commitment to acknowledge the terms.

If you decide that the advance terms given by the lender are satisfactory and wish to continue, you may e-signature the record proving your concurrence with those terms. After signing, you will go into a lawfully binding contract with the loan provider and will be in charge of all risk related to the agreement. Your legally binding commitments are to the loan providers, and not to BrighterLoan.

Loan Acceptance Policy & Rates
BrighterLoan does not ensure that your advance request will be accepted by a lender or other specialist organization. In case that you are offered a loan, BrighterLoan does not ensure that the charges and rates will be adequate to you or that your advance will be subsidized. All choices relating to your loan are the moneylenders' choices, not BrighterLoan's.

Compliance With Laws
You agree to comply with all applicable laws, statutes, ordinances and regulations regarding your use of the Site and your acceptance or purchase of products or services through this Site's third party vendors.

Credit Check
As stated, this website is not a party to the contract and it presents your loan request to a pool of lenders who may check your credit score and history for the purpose of accepting your loan request. It is wholly and solely at the discretion of lenders to approve your loan(as they may deem fit) and they are in no way answerable for rejecting a loan request to the applicants or to the BrighterLoan.

SMS and Auto Dialed Calls
By entering your contact information into BrighterLoan, you expressly request to receive information via telephone call, email and/or SMS/text message, including through the use of an automatic telephone dialing system or artificial/prerecorded voice, SMS/text message, even if your telephone number is listed on any internal, state or federal Do-Not-Call registry list. You may opt-out by replying "STOP" to any message that you receive and you may requested additional assistance by replying "HELP". Up to 15 recurring monthly messages per month. Msg & Data rates may apply. T-Mobile® is not liable for delayed or undelivered messages. This service is provided through Short Code: 43858 & 34676

Supported Carriers

• AT&T Mobility
• Verizon Wireless
• Sprint Corporation
• T- Mobile & Metro PCS
• US Cellular
• Virgin Mobile
• Google Voice
• Truphone Limited
• Open Mobile Puerto Rico
• Claro Puerto Rico
• Peerless Network
• Interop(Tier 2/3)

 

Who We Are

The BrighterLoan was built up with the sole motivation of revolutionalizing Personal Loan Industry. They say that 'Not everything that glitters is Gold' and it holds true for the conventional Personal Loan market.

One needs to drive around to banks, has to do excessive documentation and has access to very few others. Despite the fact that individuals depend on the online model of looking for an advance through various forums; the procedure doesn't get any less tumultuous. The loan providers procrastinate before answering to inquiries and are extremely hesitant to alter their offers as per individual preferences.

With BrighterLoan, taking a Personal credit has got smoother than ever. We guarantee clients of the privacy of the data which they fill in the forms and present their request for funds in fast-lender approval.