Terms of Service

Description of Services

Brightpath Ascend Capital Funding® provides consumer and business funding optimization services. We connect individuals and businesses with appropriate funding sources including 0% introductory APR credit cards, credit line hybrids, personal and business loans, lines of credit, revenue-based financing, and SBA loan preparation. BAG is not a direct lender, bank, or financial advisor. All credit decisions, loan approvals, interest rates, and funding amounts are determined solely by the lending institutions.

Eligibility

You must be at least 18 years of age and a legal resident of the United States to use our services. By using our services, you represent and warrant that you meet these eligibility requirements and have the legal capacity to enter into a binding agreement.

Account Registration and Security

To access certain services, you may be required to create an account on our client portal. You are responsible for maintaining the confidentiality of your account credentials and for all activity that occurs under your account. You agree to notify BAG immediately of any unauthorized use of your account. BAG is not liable for any loss arising from your failure to safeguard your account information.

Fees and Payment

BAG charges fees for funding optimization services as outlined in your individual service agreement. Fees may include consultation fees, application preparation fees, and success-based fees contingent on funding approval. All fees will be clearly disclosed before any work begins. Refund eligibility is governed by the terms of your individual service agreement.

Intellectual Property

All content on BAG’s websites and portals — including text, graphics, logos, design elements, software, and documentation — is the property of Brightpath Ascend Group and is protected by applicable intellectual property laws. You may not reproduce, distribute, modify, or create derivative works from any BAG content without prior written consent.

Limitation of Liability

BAG does not guarantee loan approval, specific funding amounts, interest rates, or any particular financial outcome. Results vary based on individual creditworthiness, lender criteria, and market conditions. BAG’s services are provided “as is” and “as available.”

To the maximum extent permitted by law, BAG shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from or related to your use of our services. BAG’s total liability shall not exceed the amount of fees you have paid to BAG in the twelve (12) months preceding the claim.

Dispute Resolution

These Terms shall be governed by and construed in accordance with the laws of the State of New York, without regard to conflict of law principles. Any dispute arising from or relating to these Terms or your use of BAG’s services shall be resolved through binding arbitration in New York County, New York, in accordance with the rules of the American Arbitration Association. You agree to waive any right to a jury trial or to participate in a class action.

Termination

BAG may suspend or terminate your access to our services at any time for violation of these Terms, non-payment, or any other reason at BAG’s sole discretion. You may terminate your engagement with BAG at any time by written notice to corporate@brightpathascendgroup.com. Termination does not relieve you of any obligation to pay fees for services already rendered.

Contact Information

For questions about these Terms of Service, contact BAG at: