01. About these terms
These model terms concern the BrightBalance informational website operated by MAE ESTATE INVESTMENTS LLC. They are prepared for review and do not constitute a loan agreement, an application for credit or electronic consent to a financial transaction.
02. Informational use only
The website explains debt consolidation and provides an illustrative calculator. It is not personalized financial, legal, credit-repair or tax advice. No creditor–borrower, broker, advisory or fiduciary relationship is created by using the calculator or contacting the company.
There are no loan applications, approvals, account-opening services, repayments or purchases available in this version. No fee is charged through the website.
03. Calculator and financial decisions
Estimates assume fixed monthly amortization, the rate you enter and no additional fees. Actual lender calculations, rounding, payment dates and charges may differ. A lower payment may reflect a longer term and a higher total borrowing cost.
You are responsible for reviewing any separate lender agreement and evaluating the full cost and suitability of any financial product. Do not treat an estimate as an approval, personalized quotation, rate guarantee or promise of savings.
04. Permitted use
You may view the website and use the calculator for lawful personal or internal evaluation. Do not attempt unauthorized access, disrupt the service, introduce malicious code, impersonate another person or use the website to facilitate fraud.
Nothing here restricts activity protected by applicable law, including lawful accessibility tools, consumer complaints or legally protected research.
05. Content and intellectual property
Website materials may be protected by intellectual-property laws. These terms do not transfer ownership of the company’s or a third party’s content. Third-party fonts and components remain subject to their respective licenses. The BrightBalance name is used as a brand; this notice does not assert that it is a registered trademark.
06. External services
Third-party links, email providers and authentication services are governed by their own terms and policies. A link does not establish a lending partnership or endorsement. We do not control the content or availability of external services.
07. Availability and limitations
The preview is provided for evaluation and may be changed, interrupted or withdrawn. Information may contain errors or become outdated. No guarantee is made that the calculator or website will be uninterrupted or suitable for a particular financial decision.
Nothing in these terms excludes liability that cannot lawfully be excluded, limits mandatory consumer protections or waives a right provided by applicable law.
08. Applicable law and disputes
No specific state governing law, exclusive court, mandatory arbitration provision or class-action waiver is selected in this draft. These provisions require confirmation of the company’s location, activities and applicable consumer protections before finalization.
For questions or concerns, contact info@getbrightbalance.org. Contacting the company is not a prerequisite to exercising a statutory right or contacting a regulator.
09. Updates and contact
Changes should be posted with a revised date. These terms do not authorize retroactive changes to a separately signed agreement. The operator is MAE ESTATE INVESTMENTS LLC.
Write to MAE ESTATE INVESTMENTS LLC, 6421 Caledon Ct, Locust Grove, GA 30248, United States, or email info@getbrightbalance.org. Do not send Social Security numbers, passwords, full bank account numbers or credit-card details by email.