Terms of Service

Effective Date: 02/15/2018

1. Introduction

Welcome to Bright Path (“Company,” “we,” “our,” or “us”). These Terms of Service (“Terms”) govern your use of our website, services, and any features provided by https://www.brightpathfinance.net. By signing up for our services, you agree to these Terms. If you do not agree, please do not use our services.

2. Services Provided

Bright Path offers subscription-based payment reporting to Equifax. When you subscribe to our service, we will report your timely subscription payments to help build your credit profile.

3. Eligibility

To use our services, you must:

  • Be at least 18 years old.

  • Provide accurate and up-to-date information.

  • Maintain active subscription payments.

4. Payment & Subscription

  • Our service operates on a subscription model (monthly or annual).

  • You authorize Bright Path to charge your payment method on a recurring basis.

  • Failure to pay may result in service cancellation and discontinuation of reporting to Equifax.

5. Refund & Cancellation Policy

  • No Refunds: All payments are final and non-refundable.

  • You can cancel anytime by logging into your account or contacting support.

  • Cancellation stops future reporting, but past reports remain on your credit profile.

6. No Guarantee of Credit Improvement

We report data accurately to Equifax, but we do not guarantee an increase in your credit score.

7. Data Accuracy & Responsibility

  • You are responsible for ensuring that all information you provide is accurate.

  • If you find an error in your reported data, contact us immediately.

8. Limitation of Liability

We are not responsible for any financial decisions, credit score changes, or other effects related to the use of our service.

9. Changes to Terms

We may update these Terms at any time. Continued use of our services after changes means you accept the updated Terms.

10. Contact Information

For questions about these Terms, contact us at swright@brightpathfinance.net.