Last Updated: January 2026
These Terms & Conditions (“Terms”) govern your access to and use of the BrightStart website and services. By accessing or using this website, you agree to be bound by these Terms. If you do not agree, do not use the site.

1. About BrightStart
BrightStart provides a technology platform that facilitates access to financing options for early childhood education, including preschool and daycare.
BrightStart is not a lender. All loans are made by our lending partner, Climb Credit. BrightStart acts as the loan origination, application, and experience platform. Loan approval, terms, and servicing are determined solely by Climb Credit and subject to its terms and policies.

2. Eligibility
You must be at least 18 years old and legally able to enter into binding agreements to use this website or apply for financing through BrightStart.

3. Use of the Website
You agree to use the website only for lawful purposes and in accordance with these Terms. You may not:

• Misrepresent your identity or provide false information

• Interfere with or disrupt the website or its security

• Attempt to access systems or data not intended for you

BrightStart may suspend or terminate access if these Terms are violated.

4. Loan Applications & Financing

• Submitting information through BrightStart does not guarantee loan approval.

• Loan eligibility, underwriting, approval, pricing, and repayment terms are determined by Climb Credit.

• BrightStart does not control lending decisions or modify loan terms.

• All loan agreements are entered directly between you and Climb Credit.

You are responsible for reviewing and understanding all loan documents before accepting financing.

5. Information Accuracy
You agree to provide accurate, current, and complete information when using the website or submitting an application. Providing false or misleading information may result in denial of services or termination of access.

6. Third-Party Services & Links
The website may contain links to third-party websites or services, including Climb Credit and childcare partners. BrightStart does not control and is not responsible for third-party content, products, or services.
Your use of third-party services is governed by their respective terms and policies.

7. Intellectual Property
All content on this website—including text, graphics, logos, and software—is owned by or licensed to BrightStart and protected by intellectual property laws. You may not copy, distribute, or use content without prior written permission.

8. Disclaimer of Warranties
The website and services are provided “as is” and “as available.” BrightStart makes no warranties, express or implied, regarding availability, accuracy, or fitness for a particular purpose.

9. Limitation of Liability
To the fullest extent permitted by law, BrightStart shall not be liable for any indirect, incidental, consequential, or special damages arising from your use of the website or services.
BrightStart is not responsible for lending decisions, loan performance, or actions taken by Climb Credit or other third parties.

10. Indemnification
You agree to indemnify and hold harmless BrightStart and its affiliates from any claims, losses, liabilities, or expenses arising out of your use of the website, violation of these Terms, or misuse of services.

11. Privacy
Your use of the website is subject to our Privacy Policy, which describes how we collect, use, and share information.

12. Changes to Terms
BrightStart may update these Terms at any time. Updated Terms will be posted on this page with a revised effective date. Continued use of the website constitutes acceptance of updated Terms.

13. Governing Law
These Terms are governed by the laws of the State of [Insert State—commonly Delaware or Colorado], without regard to conflict of law principles.

14. Contact Information
If you have questions about these Terms, contact:
BrightStart
Email: support@yourbrightstart.com
Website: www.yourbrightstart.com