Introduction

This Privacy Policy governs how Brighter Days Solutions, LLC collects, uses, maintains, and discloses information from users (each, a “User”). This Privacy Policy applies to all digital products and services offered by Brighter Days Solutions, LLC.

Personal Identification Information

We may collect personal identification information from Users in various ways, including, but not limited to:

• When Users purchase digital products

• When Users subscribe to a newsletter

• When Users engage with other activities, services, features, or resources available on our platform

Users may visit our platform anonymously. We collect personal identification information only if voluntarily submitted by Users. However, refusing to supply personal information may prevent engagement in certain activities.

How We Use Collected Information

Brighter Days Solutions, LLC may collect and use Users’ personal identification information for the following purposes:

• To improve customer service: Information helps us respond to customer service requests efficiently.

• To personalize user experience: We analyze data to understand how Users utilize our services.

• To send periodic emails: We use User email addresses to send updates regarding purchases, respond to inquiries, and communicate important information.

Sharing Your Personal Information

We do not sell, trade, or rent Users’ personal identification information to others.

Third-Party Websites

Users may find advertising or other content linking to websites and services of partners, suppliers, advertisers, sponsors, licensors, and other third parties. We do not control these sites and are not responsible for their content or policies. Users should review each site’s own privacy terms.

Intellectual Property Rights

All digital products provided by Brighter Days Solutions, LLC are protected by intellectual property laws. Users are granted a limited, non-exclusive, non-transferable license to use purchased digital products for personal use only. Unauthorized reproduction, distribution, modification, or resale is strictly prohibited.

Changes to This Privacy Policy

Brighter Days Solutions, LLC may update this Privacy Policy at any time. We encourage Users to review this page periodically for changes. Continued use of our services following updates signifies acceptance of the revised policy.

Acceptance of These Terms

By purchasing digital products from Brighter Days Solutions, LLC, Users agree to this Privacy Policy. If you do not agree, do not purchase or use our digital products. Continued use following policy changes signifies acceptance of those changes.

Third-Party Payment Processing Disclosure

Brighter Days Solutions, LLC ensures the security and transparency of transactions. We have partnered with Stripe, a leading third-party payment processor. By making a payment through our website, you acknowledge and agree to the following:

1. Use of Stripe for Payment Processing

• Third-Party Services: All payments are processed through Stripe. Brighter Days Solutions, LLC does not store your payment information.

• Stripe’s Role: Stripe handles the collection, use, and processing of payment details. See Stripe’s Privacy Policy for details.

2. Payment Security

• PCI Compliance: Stripe is PCI-DSS compliant, ensuring secure payment processing.

• Data Protection: While we strive to partner with secure providers, Brighter Days Solutions, LLC is not liable for data breaches or security issues arising from Stripe’s systems.

3. Fees and Billing

• Service Fees: Any fees associated with our services will be outlined during the payment process.

• Additional Charges: Your financial institution may impose additional fees, which are outside our control.

4. Refund and Dispute Resolution

• Refund Policy: Payments are subject to our refund policies outlined in the service agreement.

• Stripe’s Refund Handling: Stripe processes refunds to the original payment method, with processing times varying by financial institution. Stripe’s processing fees are non-refundable.

• Contact Information: For refunds or transaction concerns, contact us at support@brighterdayssolutions.com.

5. Legal and Regulatory Compliance

• Service Agreement: Users confirm they have read and agreed to the terms in their Credit Education Service Agreement, including:

  • Authorization for Credit Education Action

  • Consumer Credit File Rights

  • Notice of Right to Cancel

• Compliance: All transactions adhere to applicable federal and state laws.

6. Right to Cancel

• Cancellation Policy: Users may cancel their agreement within three business days from the signing date. To cancel, email a signed cancellation notice to support@brighterdayssolutions.

7. Acknowledgment and Consent

By proceeding with a payment, Users acknowledge and consent to:

• Stripe’s Terms of Service and Privacy Policy

• The terms outlined in the service agreement with Brighter Days Solutions, LLC

For questions or further clarification, contact us at support@brighterdayssolutions.com.