Terms and Conditions

When you create an account, you agree to provide accurate, current, and complete information and to keep that information up to date. You are responsible for maintaining the confidentiality of your login credentials and for all activity that occurs under your account.

Accounts for users under 13 must be created and managed by a parent or guardian. We do not knowingly create accounts for children under 13 without verifiable parental consent. If we learn that we have collected personal information from a child under 13 without appropriate consent, we will promptly delete that information.

You agree to notify us immediately of any unauthorized use of your account or any other security breach. Brightside will not be liable for any loss or damage arising from your failure to protect your account credentials.

We reserve the right, at our sole discretion, to suspend or terminate accounts that violate these Terms, that are inactive for extended periods, or for any other reason, with or without notice.

• Submitting, posting, or sharing content that is unlawful, harmful, threatening, abusive, harassing, defamatory, obscene, or otherwise objectionable
• Engaging in any form of bullying, harassment, or intimidation of other users, including students, educators, or staff
• Impersonating any person or entity, or falsely claiming an affiliation with any person or organization
• Attempting to gain unauthorized access to any portion of the Services, other user accounts, or Brightside's systems or networks
• Using the Services for any commercial purpose, solicitation, or advertising without Brightside's prior written consent
• Uploading or transmitting viruses, malware, or any code designed to disrupt, damage, or limit the functionality of the Services
• Collecting or harvesting personally identifiable information from other users without their consent
• Using automated tools, bots, scrapers, or similar technologies to access, crawl, or index the Services
• Reproducing, distributing, modifying, or creating derivative works from any Brightside content without authorization
• Circumventing, disabling, or otherwise interfering with security-related features of the Services

If you become aware of any misuse of the Services or a violation of these Terms, please contact us at brightsidefinancefoundation@gmail.com. We take all reports seriously and will investigate appropriately.

Brightside reserves the right, at its sole discretion, to remove any content, suspend or terminate any user account, and take any other appropriate action in response to violations of these Terms, including referring matters to law enforcement where applicable.

All content on the Services — including but not limited to course materials, videos, text, graphics, logos, icons, images, audio clips, software, and the compilation thereof — is the property of Brightside Finance Foundation or its content suppliers and is protected by United States and international copyright, trademark, and other intellectual property laws.

Subject to your compliance with these Terms, Brightside grants you a limited, non-exclusive, non-transferable, revocable license to access and use the Services and their content solely for personal, non-commercial, educational purposes. This license does not include the right to:

• Reproduce, distribute, publicly display, or publicly perform any Brightside content
• Modify or create derivative works based on Brightside content
• Use data mining, robots, or similar data gathering tools
• Download or copy content for any commercial purpose

"Brightside," "Brightside Finance," the Brightside logo, and all related names, logos, product and service names, designs, and slogans are trademarks of Brightside Finance Foundation. You may not use these marks without Brightside's prior written consent. All other trademarks referenced on the Services belong to their respective owners.

If you submit, upload, or share content through the Services (such as responses, discussion posts, or feedback), you grant Brightside a worldwide, royalty-free, non-exclusive license to use, reproduce, modify, adapt, publish, and display such content for the purpose of operating and improving the Services. You represent and warrant that you own or have the right to submit such content and that it does not infringe any third-party rights.

If you believe that any content on the Services infringes your copyright, please contact our designated agent at brightsidefinancefoundation@gmail.com with a written notice that includes: (a) identification of the copyrighted work; (b) identification of the allegedly infringing material and its location; (c) your contact information; (d) a good-faith belief statement; and (e) a statement of accuracy under penalty of perjury.

Brightside is committed to protecting the privacy of children. We comply with the Children's Online Privacy Protection Act (COPPA). We do not knowingly collect personal information from children under 13 without verifiable parental consent. Parents may review, request deletion of, or refuse further collection of their child's information by contacting brightsidefinancefoundation@gmail.com.

If you are a California resident, you have specific rights under the California Consumer Privacy Act (CCPA), including the right to:

• Know what personal information we collect, use, and disclose about you
• Request deletion of your personal information, subject to certain exceptions
• Opt out of the sale of your personal information (note: Brightside does not sell personal information)
• Non-discrimination for exercising your CCPA rights

To exercise your California privacy rights, please submit a verifiable consumer request to brightsidefinancefoundation@gmail.com. We will respond to verifiable requests within 45 days as required by law.

To the extent applicable, Brightside complies with the Family Educational Rights and Privacy Act (FERPA). Where Brightside acts as a service provider to a school or school district, it will handle student educational records in accordance with FERPA and any applicable data processing agreements.

Brightside implements reasonable technical and organizational measures to protect personal information against unauthorized access, disclosure, alteration, or destruction. However, no method of transmission over the internet or electronic storage is completely secure, and we cannot guarantee the absolute security of your data.

The Services are provided on an "as is" and "as available" basis without warranties of any kind, either express or implied. To the fullest extent permitted by law, Brightside disclaims all warranties, including but not limited to implied warranties of merchantability, fitness for a particular purpose, and non-infringement.

Brightside does not warrant that: (a) the Services will be uninterrupted, timely, secure, or error-free; (b) results obtained from the Services will be accurate or reliable; (c) errors will be corrected; or (d) the Services or servers are free of viruses or other harmful components.

Our content is provided for general financial literacy and educational purposes only. Nothing on the Services constitutes professional financial, investment, legal, or tax advice. Brightside makes no guarantees regarding academic outcomes, test results, or financial outcomes as a result of using the Services. Always consult a qualified professional for advice specific to your individual circumstances.

To the maximum extent permitted by applicable law, Brightside Finance Foundation, its officers, directors, employees, volunteers, partners, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including loss of data, loss of profits, or loss of goodwill, arising out of or in connection with these Terms or the Services. In no event shall Brightside's total cumulative liability to you for all claims exceed one hundred dollars ($100.00).

You agree to indemnify, defend, and hold harmless Brightside, its officers, directors, employees, volunteers, and agents from and against any claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys' fees) arising out of or relating to: (a) your use of the Services; (b) your violation of these Terms; (c) your violation of any applicable law or regulation; or (d) your infringement of any third-party rights.

Before initiating any formal dispute, you agree to contact Brightside at brightsidefinancefoundation@gmail.com and provide a written description of the dispute. Both parties agree to make a good-faith effort to resolve the matter informally within thirty (30) days of written notice.

If informal resolution is unsuccessful, any dispute, claim, or controversy arising out of or relating to these Terms or the Services shall be resolved by binding arbitration administered by the American Arbitration Association ("AAA") under its Consumer Arbitration Rules. The arbitration shall be conducted in Frisco, Texas, or via videoconference, and the arbitrator's decision shall be final and binding.

You understand and agree that arbitration means you are waiving your right to a jury trial and your ability to participate in any class action or representative proceeding.

Notwithstanding the above, either party may seek injunctive or other equitable relief in a court of competent jurisdiction to prevent actual or threatened infringement of intellectual property rights or to address matters involving the safety of a minor.

To the extent permitted by law, all claims must be brought in your individual capacity only, and not as a plaintiff or class member in any purported class, collective, or representative proceeding.

These Terms shall be governed by and construed in accordance with the laws of the State of Texas, without regard to its conflict of law provisions. For matters not subject to arbitration, you consent to the exclusive jurisdiction of the state and federal courts located in Collin County, Texas.

These Terms, together with our Privacy Policy, constitute the entire agreement between you and Brightside regarding the Services and supersede all prior agreements, understandings, and representations.

If any provision of these Terms is held to be invalid, illegal, or unenforceable, that provision shall be modified to the minimum extent necessary, and the remaining provisions shall continue in full force and effect.

Brightside's failure to enforce any right or provision of these Terms shall not constitute a waiver of such right or provision unless acknowledged and agreed to by Brightside in writing.

You may not assign or transfer any of your rights or obligations under these Terms without Brightside's prior written consent. Brightside may assign its rights and obligations without restriction.

Brightside shall not be liable for any failure or delay in performing its obligations to the extent resulting from causes beyond Brightside's reasonable control, including acts of God, natural disasters, pandemics, governmental actions, or internet outages.

Brightside may provide notice to you via email to the address associated with your account or through the Services. You may provide notice to Brightside at the contact information listed in Section 14.