TERMS AND CONDITIONS

Effective Date: September 10, 2026

Welcome to the website of Brightside Mortgage, LLC (“Brightside Mortgage,” “Brightside,” “we,” “us,” or “our”). These Terms and Conditions (“Terms”) govern your access to and use of www.brightsidemortgage.net, including any pages, features, forms, tools, information, links, and services made available through the website (collectively, the “Website”).

By accessing or using this Website, you agree to these Terms. If you do not agree with these Terms, please do not use the Website.

1. About Brightside Mortgage

Brightside Mortgage, LLC is a mortgage brokerage company.

Brightside Mortgage, LLC
14238 North Northsight Boulevard
Scottsdale, Arizona 85260
Phone: (602) 953-6500
Email: teambrightside@brightsidemortgage.net
NMLS #1711912
AZ MB #0946321
WA MB #1711912

Licensing information may also be verified through NMLS Consumer Access at www.nmlsconsumeraccess.org.

Brightside Mortgage conducts mortgage-related business only in jurisdictions in which it is properly licensed or otherwise authorized to do so.

2. Website Information Is for General Informational Purposes

Information provided on this Website is intended for general informational and educational purposes only. Nothing on this Website constitutes a commitment to lend, an approval or preapproval of credit, a loan offer, a rate lock, a guarantee of financing, or a representation that any particular loan program, interest rate, payment, term, or other credit feature will be available to you.

Mortgage products, programs, rates, fees, terms, underwriting requirements, and eligibility criteria are subject to change without notice and may vary based on factors including, but not limited to, credit history, credit score, loan amount, property type, loan-to-value ratio, debt-to-income ratio, occupancy, income, assets, geographic location, market conditions, and lender or investor requirements.

All loans are subject to applicable underwriting requirements, credit approval, property approval, verification of information, lender guidelines, and other applicable conditions.

3. No Guarantee of Loan Approval or Specific Terms

Submitting information through this Website, speaking with a Brightside Mortgage representative, requesting a consultation, completing a mortgage application, or receiving preliminary information regarding potential loan options does not guarantee loan approval or any particular loan terms.

Any estimates, examples, calculators, scenarios, illustrations, or other figures appearing on the Website are provided for informational purposes only. Actual rates, payments, fees, closing costs, loan amounts, and other terms may differ.

The final terms of any mortgage transaction will be reflected in the applicable loan documents and disclosures provided in connection with your mortgage application and transaction.

4. Rates, Payments, and Loan Program Information

Interest rates and loan program information displayed on or referenced through the Website, if any, may change at any time and without notice unless a rate has been formally locked pursuant to applicable procedures and written confirmation.

An advertised interest rate is not necessarily the annual percentage rate (“APR”). Rates and APRs may vary depending upon the circumstances of an individual transaction.

Where required by applicable law, additional disclosures regarding advertised rates, payments, APRs, fees, loan terms, or other credit features will be provided.

Loan programs described on the Website may not be available in all states or to all borrowers.

5. Mortgage Broker Relationship

Brightside Mortgage is a mortgage broker and may work with multiple third-party lenders, investors, settlement providers, and other service providers in connection with mortgage transactions.

The availability of a particular lender, program, product, or pricing option may depend upon the circumstances of the transaction and applicable lender requirements.

Unless expressly stated otherwise in writing, information on the Website should not be interpreted as a representation that Brightside Mortgage offers every loan product available in the marketplace or that a particular loan option is the lowest-cost or otherwise most favorable financing option available from every possible source.

6. Not Financial, Legal, Tax, or Investment Advice

Brightside Mortgage provides mortgage-related information and services. Information available through the Website is not intended to constitute legal, tax, accounting, financial planning, or investment advice.

You should consult appropriately qualified legal, tax, accounting, financial, or other professional advisors regarding questions relating to your individual circumstances.

7. Online Applications and Third-Party Platforms

The Website may contain links to mortgage application systems, loan portals, scheduling platforms, lender systems, or other services operated by third parties.

Your use of a third-party website or platform may be governed by separate terms of service, privacy policies, security policies, and other agreements established by that third party.

Brightside Mortgage is not responsible for the availability, operation, security, content, or privacy practices of third-party websites or platforms except to the extent required by applicable law.

You are responsible for reviewing the applicable terms and policies before submitting information through a third-party service.

8. Information You Submit

When you submit information through the Website, you agree to provide information that is accurate and complete to the best of your knowledge.

Information submitted in connection with an inquiry or mortgage application may be used to respond to your request, evaluate potential mortgage options, process an application, communicate with you, verify information, comply with applicable legal and regulatory requirements, and otherwise provide mortgage-related services.

The collection and use of personal information is also governed by our Privacy Policy and any additional privacy notices or disclosures provided to you as required by law.

Please do not transmit highly sensitive financial information through ordinary email or an unsecured website form unless specifically instructed to do so. When available, sensitive documents and information should be submitted through Brightside Mortgage's designated secure systems or portals.

9. Electronic Communications

By contacting Brightside Mortgage electronically or providing your email address through the Website, you acknowledge that communications regarding your inquiry may occur electronically.

Electronic communications may include email, website communications, secure portal communications, and other electronic methods permitted by applicable law.

Certain legally required notices or disclosures may be subject to separate electronic consent requirements. Nothing in these Terms replaces any consent or disclosure required under applicable electronic signature or consumer protection laws.

10. Telephone Calls and Text Messages

If you provide a telephone number to Brightside Mortgage, you authorize us to contact you regarding your inquiry, application, transaction, or existing business relationship using the contact information you provide, subject to applicable law.

Where separate consent is required for marketing or promotional calls or text messages, Brightside Mortgage will obtain such consent as required by law.

Consent to receive marketing communications is not a condition of obtaining mortgage products or services.

Message and data rates may apply to text messages. You may request that marketing text messages stop by replying STOP where applicable. You may contact Brightside Mortgage if you have questions regarding communication preferences.

11. No Professional Relationship Created by Website Use Alone

Merely visiting the Website, reviewing information, using a calculator, submitting a general inquiry, or downloading information does not by itself create a mortgage broker-client relationship or obligate Brightside Mortgage to provide services.

Any mortgage brokerage relationship will be subject to applicable agreements, disclosures, applications, authorizations, and other documentation required for the transaction.

12. Accuracy of Website Information

Brightside Mortgage strives to keep information on the Website accurate and current. However, mortgage laws, regulations, loan programs, lender requirements, interest rates, fees, market conditions, and other information may change frequently.

We do not warrant that every item of information on the Website will always be complete, current, accurate, or error-free.

If information provided on the Website conflicts with an applicable loan document, disclosure, lender requirement, law, regulation, or written communication issued specifically for your transaction, the applicable official document, requirement, or law will control.

13. Calculators and Illustrations

Any mortgage calculator, payment calculator, affordability calculator, refinance analysis, amortization example, or other interactive tool available through the Website provides estimates only.

Results may not include all taxes, insurance premiums, mortgage insurance, homeowners association dues, closing costs, prepaid items, lender fees, escrows, assessments, or other costs associated with homeownership or a mortgage transaction.

Calculator results are not loan offers, disclosures, approvals, or commitments to lend.

14. Third-Party Links and Resources

For your convenience, the Website may contain links to websites, resources, or services maintained by third parties, including lenders, government agencies, industry resources, real estate professionals, insurance providers, title or escrow companies, credit-related services, and other businesses.

The inclusion of a link does not necessarily constitute an endorsement, guarantee, or recommendation of the third party or its products or services.

Brightside Mortgage does not control and is not responsible for the content, availability, policies, products, services, or practices of third-party websites.

15. Intellectual Property

Unless otherwise indicated, the Website and its content, including text, graphics, logos, branding, design elements, photographs, videos, educational materials, downloadable materials, and other content, are owned by or licensed to Brightside Mortgage and are protected by applicable intellectual property laws.

You may view and use Website materials for your personal, noncommercial use in connection with evaluating or obtaining mortgage-related services.

You may not reproduce, republish, distribute, modify, sell, license, exploit, or create derivative works from Website content without prior written permission from Brightside Mortgage, except as otherwise permitted by law.

16. Acceptable Use

You agree not to use the Website:

For any unlawful or fraudulent purpose;
To impersonate another person or provide intentionally false information;
To attempt to gain unauthorized access to the Website, servers, databases, accounts, systems, or networks;
To introduce viruses, malicious code, automated attacks, or other harmful technology;
To interfere with the security, operation, functionality, or availability of the Website;
To scrape, copy, harvest, or collect information from the Website through unauthorized automated means; or
In any manner that violates applicable federal, state, or local law.

Brightside Mortgage reserves the right to restrict or terminate access to the Website when reasonably necessary to protect the Website, Brightside Mortgage, its customers, or others.

17. Privacy

Your privacy is important to us.

Our collection, use, maintenance, and disclosure of information are addressed in our Privacy Policy and, where applicable, additional privacy notices provided in connection with mortgage services.

The Privacy Policy is incorporated into these Terms by reference.

18. Security

Brightside Mortgage uses reasonable measures intended to protect information and Website systems. However, no Internet transmission, email communication, electronic storage system, or website can be guaranteed to be completely secure.

You are responsible for taking reasonable precautions when communicating electronically and for protecting passwords, login credentials, and devices that you use to access mortgage-related systems.

If you believe your information or account credentials may have been compromised, contact Brightside Mortgage promptly.

19. Fraud and Wire Transfer Warning

Mortgage and real estate transactions can be targets for fraud, including fraudulent wiring instructions and email impersonation.

Never rely solely on wiring instructions received by email. Before sending funds in connection with a real estate or mortgage transaction, independently verify wiring instructions using a known and trusted telephone number for the appropriate title, escrow, settlement, or other authorized party.

Brightside Mortgage will not ask you by ordinary unsolicited email to redirect funds to a different account.

If you receive suspicious communications purporting to be from Brightside Mortgage or another party involved in your transaction, contact the appropriate party independently before taking action.

20. Equal Housing Opportunity and Fair Lending

Brightside Mortgage supports equal housing opportunity and conducts its business in accordance with applicable federal and state fair lending and anti-discrimination laws.

Brightside Mortgage does not discriminate against applicants or prospective applicants on any basis prohibited by applicable law.

21. Website Availability

Brightside Mortgage does not guarantee that the Website or any particular feature will be available continuously or without interruption.

We may modify, suspend, discontinue, update, or restrict all or part of the Website at any time for maintenance, security, operational, legal, compliance, or other reasons.

22. Disclaimer of Warranties

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, THE WEBSITE AND ITS CONTENT ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS.

BRIGHTSIDE MORTGAGE DISCLAIMS WARRANTIES OF ANY KIND REGARDING THE WEBSITE, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, ACCURACY, RELIABILITY, OR AVAILABILITY, EXCEPT TO THE EXTENT SUCH WARRANTIES CANNOT LAWFULLY BE DISCLAIMED.

Nothing in this section limits any rights that cannot legally be waived under applicable consumer protection laws.

23. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, BRIGHTSIDE MORTGAGE AND ITS OWNERS, OFFICERS, EMPLOYEES, CONTRACTORS, REPRESENTATIVES, AND AGENTS WILL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES ARISING SOLELY FROM YOUR ACCESS TO OR USE OF, OR INABILITY TO ACCESS OR USE, THE WEBSITE.

Nothing in these Terms eliminates or limits liability where such limitation or exclusion is prohibited by law, nor does anything in these Terms waive rights or remedies available to consumers under applicable mortgage lending or consumer protection laws.

24. Indemnification

To the extent permitted by applicable law, you agree to indemnify and hold Brightside Mortgage harmless from claims, damages, liabilities, and reasonable expenses resulting from your unlawful use of the Website, your intentional violation of these Terms, or your infringement of the rights of another person.

This provision does not apply to claims arising from Brightside Mortgage's violation of applicable law or duties that cannot legally be waived.

25. Governing Law

These Terms will be governed by the laws of the State of Arizona, without regard to conflict-of-law principles, except where federal law applies or the laws of another jurisdiction are required to govern a particular matter.

Nothing in these Terms limits any rights or protections available to a consumer under applicable federal or state law.

26. Changes to These Terms

Brightside Mortgage may revise these Terms periodically to reflect changes to the Website, our practices, applicable law, regulatory requirements, or other circumstances.

When we make changes, we may update the “Effective Date” appearing at the beginning of these Terms.

Your continued use of the Website after revised Terms are posted constitutes acceptance of the revised Terms to the extent permitted by applicable law.

27. Severability

If any provision of these Terms is determined to be invalid or unenforceable, that provision will be enforced to the maximum extent permitted by law, and the remaining provisions will remain in effect.

28. No Waiver

The failure of Brightside Mortgage to enforce any provision of these Terms does not constitute a waiver of that provision or of the right to enforce it later.

29. Contact Us

Questions regarding these Terms and Conditions may be directed to:

Brightside Mortgage, LLC
14238 North Northsight Boulevard
Scottsdale, Arizona 85260
Phone: (602) 953-6500
Email: teambrightside@brightsidemortgage.net
NMLS #1711912

NMLS Consumer Access: www.nmlsconsumeraccess.org

Equal Housing Opportunity