Last Updated: January 2026

BrightStart (“BrightStart,” “we,” “our,” or “us”) respects your privacy and is committed to protecting your personal information. This Privacy Policy describes how we collect, use, disclose, and safeguard information when you visit our website or interact with our services.

BrightStart acts as a loan origination and application platform. All loans are made by our lending partner, Climb Credit. This policy applies to information collected by BrightStart and does not replace Climb Credit’s own privacy policy, which governs lender-related data use.

1. Information We Collect

We may collect the following categories of information:

Personal Information

• Name, email address, phone number

• Information submitted through contact forms or applications

• Communications with BrightStart
   

Financial & Application Information

• Information required to support loan applications, including income, employment, and related financial data

• Information necessary to facilitate underwriting, processing, and servicing by Climb Credit
   

Automatically Collected Information

• IP address, device type, browser information

• Usage data such as pages visited and time spent on the site

• Cookies and similar technologies
   

2. How We Use Information

BrightStart uses information to:

• Facilitate and support the loan application and origination process

• Connect applicants with financing provided by Climb Credit

• Communicate regarding applications, services, or inquiries

• Improve website performance and user experience

• Comply with applicable laws, regulations, and contractual obligations

• Prevent fraud, misuse, or unauthorized activity
   

3. How Information Is Shared

BrightStart does not sell personal information.

We may share information as follows:

• With Climb Credit: Information necessary for underwriting, loan approval, servicing, compliance, and reporting

• With service providers: Vendors supporting hosting, analytics, communications, security, and operational functions

• With childcare partners: Limited information, where necessary and with user direction, to support enrollment or payment coordination

• For legal or regulatory purposes: When required by law or to protect rights, safety, or property
   

4. Cookies & Analytics
We use cookies and similar technologies for functionality, analytics, and performance. You may manage cookie preferences through your browser settings. Disabling cookies may limit certain features.

5. Data Security
We maintain reasonable administrative, technical, and physical safeguards designed to protect personal information. No method of transmission or storage is completely secure, and we cannot guarantee absolute security.

6. Data Retention
We retain personal information only as long as necessary to fulfill operational, legal, regulatory, and contractual requirements.

7. State Privacy Rights
California Residents (CCPA / CPRA)
California residents have the right to:

• Know what personal information is collected, used, and disclosed

• Request access to or deletion of personal information, subject to legal exceptions

• Correct inaccurate personal information

• Limit the use of sensitive personal information (where applicable)

• Not be discriminated against for exercising privacy rights
   

BrightStart does not sell or share personal information for cross-context behavioral advertising.

Colorado Residents (CPA)
Colorado residents have the right to:

• Access, correct, or delete personal information

• Opt out of targeted advertising, sale of personal data, or certain profiling activities

• Appeal a decision related to a privacy rights request
   

8. Exercising Your Rights
To submit a privacy request or appeal, contact us at:
Email: support@yourbrightstart.com

We may need to verify your identity before processing requests.

9. Children’s Privacy
BrightStart does not knowingly collect personal information from children under 13. Our services are intended for parents or legal guardians.

10. Third-Party Websites
Our website may contain links to third-party websites, including Climb Credit. We are not responsible for the privacy practices of third parties.

11. Policy Updates
We may update this Privacy Policy periodically. Changes will be posted on this page with an updated effective date.

12. Contact Information
BrightStart
Website: www.yourbrightstart.com
Email: support@yourbrightstart.com