Effective Date: June 10, 2026

Welcome to Bright Futures Financial (“Company,” “we,” “our,” or “us”). By accessing or using this website (“Site”), you agree to comply with and be bound by these Terms of Service (“Terms”). If you do not agree with these Terms, please do not use this Site.

1. Acceptance of Terms

By accessing this Site, submitting information, requesting services, or communicating with us through any form, phone number, email address, or text messaging platform, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy.

2. Eligibility

You must be at least 18 years of age to use this Site. By using the Site, you represent and warrant that you are at least 18 years old and legally capable of entering into binding agreements.

3. Services Provided

The Site provides information regarding products, services, consultations, quotes, marketing programs, financial products, insurance products, business services, or other offerings.

Any information provided on this Site is for informational purposes only and does not constitute legal, financial, tax, insurance, or professional advice.

4. No Guarantee of Results

Results may vary based on individual circumstances, market conditions, eligibility requirements, business operations, and other factors beyond our control.

We make no guarantees regarding:

• Revenue increases

• Cost savings

• Lead volume

• Conversion rates

• Insurance approvals

• Financial outcomes

• Business performance

• Investment returns

Past performance is not indicative of future results.

5. User Information

When you submit information through this Site, you agree that:

• All information provided is accurate and complete.

• You are authorized to submit the information.

• You will not submit false, misleading, or fraudulent information.

• You will promptly update any information that becomes inaccurate.

We reserve the right to refuse service, terminate communications, or remove information that violates these Terms.

6. Consent to Communications

By submitting your information through this Site, you expressly consent to receive communications from our authorized representatives, including:

• Phone calls

• Text messages (SMS)

• Emails

• Automated messages

• Artificial or prerecorded voice messages

Communications may be sent using automated technology.

Your consent is not a condition of purchase.

Message and data rates may apply.

Y

ou may opt out at any time by:

• Replying STOP to text messages

• Clicking unsubscribe in emails

• Contacting us directly

7. Third-Party Providers

We may work with third-party service providers, marketing partners, insurance agencies, financial professionals, software providers, CRM platforms, data providers, and other vendors.

We are not responsible for:

• Third-party websites

• Third-party products

• Third-party services

• Third-party privacy practices

• Third-party communications

Your interactions with third parties are governed by their own terms and policies.

8. Intellectual Property

All content on this Site, including but not limited to:

• Logos

• Branding

• Graphics

• Images

• Videos

• Text

• Software

• Designs

• Trademarks

is owned by or licensed to the Company and is protected by applicable intellectual property laws.

You may not:

• Copy

• Reproduce

• Modify

• Distribute

• Publish

• Sell

• Exploit

any content without our prior written permission.

9. Prohibited Use

You agree not to:

• Use the Site for unlawful purposes

• Attempt unauthorized access to systems

• Transmit malware or harmful code

• Scrape or harvest information

• Interfere with Site functionality

• Misrepresent your identity

• Violate applicable laws or regulations

We reserve the right to suspend or terminate access for violations of these Terms.

10. Disclaimer of Warranties

THE SITE AND ALL CONTENT ARE PROVIDED “AS IS” AND “AS AVAILABLE.”

TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, INCLUDING:

• MERCHANTABILITY

• FITNESS FOR A PARTICULAR PURPOSE

• NON-INFRINGEMENT

• ACCURACY

• RELIABILITY

• AVAILABILITY

We do not guarantee uninterrupted or error-free operation of the Site.

11. Limitation of Liability

To the fullest extent permitted by law, the Company and its officers, employees, affiliates, agents, contractors, and partners shall not be liable for any indirect, incidental, consequential, special, punitive, or exemplary damages arising from:

• Use of the Site

• Inability to use the Site

• Communications received

• Services provided

• Third-party interactions

• Data loss

• Business interruption

Our total liability shall not exceed the amount paid by you, if any, for services directly provided by us.

12. Indemnification

You agree to defend, indemnify, and hold harmless the Company and its affiliates from any claims, damages, losses, liabilities, costs, or expenses arising out of:

• Your use of the Site

• Your violation of these Terms

• Your violation of any law or regulation

• Your infringement of any third-party rights

13. Privacy

Your use of this Site is also governed by our Privacy Policy, which describes how we collect, use, store, and protect your information.

14. Changes to Terms

We reserve the right to modify these Terms at any time without prior notice.

Any updates will be posted on this page with an updated Effective Date.

Continued use of the Site constitutes acceptance of any revised Terms.

15. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Texas, without regard to conflict of law principles.

Any disputes arising under these Terms shall be resolved exclusively in the state or federal courts located in Texas.

16. Contact Information

For questions regarding these Terms, please contact:

Bright Futures Financial
4118 East Parham Road
Richmond, VA 23228