Your Agreement Change Summary

We are updating the MyBrightFi Truth in Savings Disclosure, Deposit Agreement and User Agreement, which applies to your use of MyBrightFi products and services. We’re making these updates to clarify our terms and ensure that they remain transparent for you, as well as to cover new MyBrightFi products, services and features.

These updates, which are summarized below, will take effect on December 1, 2022. If you continue to use our products or services on or after December 1, 2022, you are agreeing to the updated terms of the MyBrightFi Agreements detailed below. Please review them carefully.

We changed this disclosure to reflect a reduced ATM withdrawal limit. We reduced the daily overall ATM withdrawal limit from $2,500.00 per day to $1,000.00 per day.

DEPOSIT AGREEMENT: We clarified provisions concerning escheatment. See paragraph 18.

We modified the dispute resolution provisions to clarify: applicable arbitration rules, procedures for initiating a claim treatment of arbitration costs your right to choose venue in jurisdiction of residence class action waiver. See paragraphs 20 and 21.

For mobile check deposit, we modified the restrictive endorsement required on the back of a check to "for MyBrightFi mobile deposit only." We also added an additional warranty that a check submitted for mobile deposit has not been previously submitted for deposit.  See paragraph 30.

We added discussion regarding the Savings Jars feature of the MyBrightFi account. See paragraphs 33, 34, 35.

We added discussion of certain transactions (fuel pumps, bars, restaurants) and how they are settled. See paragraph 37.

We added discussion including examples of how your account balance can become negative, and what happens with your account when it becomes negative. See paragraph 39.

USER AGREEMENT: We modified the dispute resolution provisions to reflect changes in our Deposit Agreement and clarify: applicable arbitration rules, procedures for initiating a claim treatment of arbitration costs your right to choose venue in jurisdiction of residence class action waiver. See paragraph 21.

Truth In Savings Disclosure

Last Updated: August, 2022

This disclosure constitutes your Truth In Savings Disclosure for your MyBrightFi demand deposit account provided to you by Webster Bank N.A. (“we” or “us”) and contains the terms and conditions governing that account. You have entered into a Deposit Account Agreement, and your account is subject to that agreement.


Your account is a non-interest bearing account.


There is no minimum balance required to open an account.

There is no minimum balance required to avoid the imposition of a fee.

No matter what your balance is, you will be charged $4.95 per month to maintain your account. If you cannot pay a monthly fee because there is less than $4.95 in your account. Your account balance will go negative, and we will continue to charge $4.95 a month, which will take the balance further negative. Transactions will be denied until you deposit enough funds to bring the account positive again. The monthly fee will continue to be charged until the account is closed.  


Monthly Fee: You will be charged a monthly fee in the amount of $4.95 to maintain your BrightFi account.  

Card Replacement Fee: You will be charged $10.00 if your card is lost or stolen, or damaged and you need to replace it.  Webster Bank N.A. will not charge you any other fees. However, it is possible that an out-of-network ATM operator will charge you fees if you use an ATM that is not part of the Moneypass network. Some merchants may also charge fees for point-of-sale transactions or cash withdrawals. Mastercard may also charge fees associated with purchases made in a foreign currency.  


Transaction type
Frequency and/or dollar limits
Direct Deposits or ACH Transfers initiated from outside financial institution or third-party money transfer service
Mobile Deposits
ATM Withdrawals
Card Purchases (including cash back at POS)
ACH Payments
No limit
Person to person transfers


As stated in the Electronic Communications Agreement, you have consented to receive electronic statements for your account. If you withdraw your consent to receive electronic statements (or any other electronic communications), your account will be closed. You can access your statement in the BrightFi mobile app or by accessing your account online at  


Webster Bank N.A. reserves the right to terminate your account at any time. If your account is terminated, any proceeds in your account will be returned to you by us by check made payable to the account holder and sent to the address we have on file for your account, or by any other method available to us.

Deposit Account Agreement

Last Updated: August, 2022

Welcome to BrightFi!

This agreement contains important information concerning  your account provided and offered by Webster Bank N.A., a national banking association and member of the Federal Deposit Insurance Corporation, and made available through BrightFi LLC, a financial technology company, not a bank. Please read this agreement and keep it with your other bank records.

This agreement and your other account documents, together with any changes we may later make to them, serve as Webster Bank N.A.’s contract with you governing your deposit account.

If you have any questions concerning your accounts, please call BrightFi customer service at 1-888-627-5407. Thank you for allowing us to handle your banking needs.

Part 1. General Provisions

A. Understanding This Agreement

  1. INTRODUCTION: This deposit account agreement (the “Agreement”) contains the terms and conditions governing your consumer deposit account, which is offered and provided by Webster Bank N.A. and made available through BrightFi, LLC (“BrightFi”).  “Webster,” “Bank,” “we,” “us,” and “our” refer to Webster Bank N.A., its affiliates, successors, or assignees.  “You” and “your” refer to the individual that maintains one or more accounts with us. All accounts and banking services made available through the BrightFi platform are provided by Webster Bank N.A.. Any references to your “account” mean your deposit account provided by Webster Bank N.A. and made available through BrightFi.  In addition, your account is governed by anE-Sign Disclosure, Consent, and Electronic Communication Agreement , a Funds Availability Policy, Truth In Savings Disclosure, U.S. Consumer Privacy Notice, and various account disclosures, all of which, as they may be amended from time to time, are collectively referred to as “Account Disclosures” and are incorporated herein by reference.
  2. BRIGHTFI AS PROGRAM MANAGER: BrightFi is a program manager and service provider to Webster Bank N.A.. In that role, BrightFi is responsible for providing services for Webster Bank you such as assistance with onboarding and servicing customers’ deposit accounts. As part of its role as program manager and as described in greater detail throughout this Agreement, BrightFi allows you to manage your account, make deposits, and conduct other account-related activities and provides customer service support for the account. BrightFi is a financial technology company, not a bank. BrightFi does not provide your deposit account(s) or any other banking services.
  3. LEGAL EFFECT OF PROVISIONS IN THIS AGREEMENT: By accepting the terms of this Agreement and opening your deposit account or by failing to close your account before the date printed on the front of this Agreement, you accept and agree to be bound by this Agreement. It is a legally binding contract that can only be modified as provided in this Agreement. In establishing an account with us, you acknowledge and agree that our relationship with you is that of debtor and creditor and that we are in no way acting as a fiduciary for you or for your benefit, even if your account is titled a “trust account” or similar designation. We owe you only a duty of ordinary care. You should READ and RETAIN this Agreement so that you can refer to it whenever you have a question about your account.
  4. ORGANIZATION OF AGREEMENT: Part I of this Agreement sets forth general provisions applicable to all accounts subject to this Agreement. The terms governing ownership of accounts in different capacities are described in Part II of this Agreement. The general terms governing accounts are set forth in detail in Part III.
  5. EFFECT OF STATE AND FEDERAL LAWS AND REGULATIONS: Your relationship with Webster Bank N.A. is governed primarily by this Agreement, but it is also governed by the laws of the United States; the rules and regulations of the Board of Governors of the Federal Reserve System and various Federal Reserve Banks; the rules and regulations of the Consumer Financial Protection Bureau; the rules and regulations of other proper bank supervisory authorities and other governmental agencies; and the laws of the state of New York. Your account is deemed to “reside” in New York. If state and federal law are inconsistent, or if state law is preempted by federal law, federal law governs. If any terms of this Agreement are found to be in violation of, or restricted by, applicable laws or regulations, those terms will be construed so as to conform to such law or regulation, but the rest of this Agreement will not be affected by such laws or regulations and will remain in full force and effect.
  6. HEADINGS: The headings in this Agreement are for reference only. They do not limit the terms or provisions set forth herein. Unless it would be inconsistent to do so, words and phrases used in this document should be construed so the singular includes the plural and the plural includes the singular. In some sections we provide examples. The examples are for illustrative purposes only and do not cover all of the situations that are covered by the section.
    Business day: For purposes of this Agreement, our business days are Monday through Friday, excluding bank holidays. Our business days are subject to change, from time to time, at our discretion. Except to the extent additional notice is required bylaw, any change in our business days or cutoff hour becomes effective on the day the new business days or cutoff hour is posted or otherwise communicated.

    Consumer account: Any account which is held or maintained primarily for personal, family, or household purposes.

    Item: All orders and instructions for the payment, transfer or withdrawal of funds from an account, including, but not limited to, any check, Automated Clearing House (“ACH”) transaction, fund transfers, ATM withdrawal, or debit card purchase.

B. Your Account

  1. OPENING AN ACCOUNT: Your account will be opened when we have accepted your application to open the account; you have received and agreed to the terms of this Agreement, including the appropriate inserts; and we have received any other documents that we may require to establish an account. However, if we open the account on our records and accept any deposit or process any other transaction, your account will be considered open and subject to the terms of this Agreement. If you do not furnish us any information or document required of you in this Agreement, we have the right to close your account at any time.  If you share your username and password with any third party, we have the right to terminate all services and close the account.  You must be at least eighteen (18) years of age to open an account.
  2. CONSENT TO GATHER INFORMATION: You authorize us to obtain information at the time you open an account and, from time to time, thereafter regarding your credit history and account relationships from credit reporting agencies and other third parties. We have the right to report information about your account to any credit reporting agency or to anyone to whom you give us as a reference. We may share customer transaction and experience information with our affiliates.
  3. IDENTIFICATION NOTICE (USA PATRIOT ACT): To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. When you open an account, we will ask for your name, address, date of birth, social security number or individual taxpayer identification number, and other information that will allow us to identify you. We may also ask to see other identifying documents like a driver’s license. You will also be asked to complete a simple video-based identity verification which will include taking a picture of your ID and a selfie using your mobile phone or computer camera.
  4. COMPLIANCE: You agree to comply with applicable laws and regulations including United States economic sanctions laws and regulations. You may not use your account or related services for any illegal transactions or activity. We have the right to suspend use of your account and prevent any transactions from occurring if we suspect there is fraud associated with your account.
  5. OUR MODIFICATION OF THE AGREEMENT: We reserve the right to modify the terms in this Agreement at any time and from time to time. Our ability to modify the terms of the Agreement includes the right to increase or decrease any fees, minimum balance/deposit requirements, limits on transactions, or any other term or condition to which your account is or may be subject, as well as to establish new fees, requirements, terms or conditions. We may make changes without prior notice to you unless otherwise required by applicable law. If we are required by applicable law to provide prior written notice, we may modify the terms of this Agreement by electronic or paperless delivery of a notice of such modifications. You agree that failure to close your account before the effective date of any such modification evidences your agreement to the modification.
  6. TERMINATION OF AGREEMENT/CLOSING OF YOUR ACCOUNT: This Agreement can be terminated and/or your account can be closed by calling 1-888-627-5407 or by a notice in writing by any means we make available. Such a termination will not release you from any fees or other obligations incurred before the termination, those you incur in the process of closing out your account, or for your liability on outstanding items or other items we have handled as agent for you. You agree that notice of termination of this Agreement and/or closure of your account by us will be reasonable if it is sent to your email address as shown on our records or delivered via text message to your mobile phone of record, at least ten (10) days prior to the date of the termination. You also agree that we may terminate this Agreement and/or suspend or close your account without giving you prior notice if we have reason to believe that you are using your account to facilitate a fraud or other crime or if you violate the terms of the User Agreement you entered into with BrightFi. We may also terminate this Agreement if the User Agreement is terminated for any reason. We may require you to close your account and to open a new account if: (1) there has been a forgery or fraud reported or committed involving your account, (2) your non-public information has been compromised, or (3) any provision of this Agreement or the User Agreement is violated. We are not responsible for payment of any withdrawal or other item once this Agreement is terminated and/or your account is closed.

    Your debit card is the property of Webster and may be cancelled and its privileges revoked at any time without prior notice to you. You shall return the debit card to us upon demand or it may be repossessed by us or our agent at any time.

    This Agreement continues to govern matters related to your account even after your account closes.

C. Notices, Statements, and Other Communications

  1. NOTICES: You can reach BrightFi customer service representatives by calling 1-888-627-5407. All notices, questions, and other communication concerning your account should be directed to  Paper written notices should be sent to 4250 North Drinkwater Blvd, Suite 300, Scottsdale, AZ 85251. Any written notice you give us is not effective until two (2) business days after we receive it, not counting the actual day of receipt, provided that we may recognize such notice earlier. Any written notice we send you is effective when sent to you via text message or notification to the mobile phone number in our records, or to the email address in our records. You are responsible for notifying us of any change in your email address or mobile phone number.  If a notice is returned to us undelivered, the change described in the notice is still effective and you are bound by it.
  2. ELECTRONIC AGREEMENTS: You agree that we may make agreements with you by electronic means. Your authorization and consent to such an agreement, or your delivery of instructions, may be made by use of certain numbers, codes, marks, signs, personal identification numbers (“PINs”), public or private keys, or other means acceptable to you and us, to establish your identity and acceptance of the electronic communications. All electronic communications and agreements will be deemed to be valid and authentic, and you intend and agree that those electronic communications and agreements will be given the same legal effect as written paper communications signed by you. You agree that electronic copies of communications and agreements are valid, and you will not contest the validity of the originals or copies, absent proof of altered data or tampering.

    As indicated on your E-Sign Disclosure, Consent and Electronic Communication Agreement, by opening this account you are acknowledging and agree to receive all of your account agreements, and other documents, disclosures, statements and notices associated with your account electronically.  
  3. YOUR WAIVER OF CERTAIN NOTICES: You waive notice of non-payment, dishonor, or protest regarding any items credited to or charged against your account. For example, if a check you deposit is dishonored and returned to us, we are not required to notify you of that dishonor.
  4. LOST OR STOLEN CARD: You agree to notify us promptly if your debit card is lost or stolen.

D. Abandonment of Account

  1. ESCHEATMENT: An account that is inactive for a period of time may be considered dormant and subject to escheatment. Each state has varying laws as to when an account becomes subject to escheatment. The balance in your account may become escheatable to the state of your last known address as shown by our records, if you have not, within the statutory period, deposited funds or otherwise transacted with the account, corresponded with us concerning the account, or otherwise indicated any interest in the account. We will make reasonable efforts to contact you before transferring your remaining balance to the applicable state. An Abandoned Account Processing fee will be charged to your account before the funds are escheated to the state. This service charge is not refundable or otherwise restored to you.

E. Resolving Disputes

  1. DISPUTE RESOLUTION: Many concerns can be resolved by contacting BrightFi customer service at 1-888-627-5407 or BrightFi LLC, 4250 North Drinkwater Blvd, Suite 300, Scottsdale, AZ 85251. You can also send an email to If a dispute cannot be resolved informally, this Section E explains how claims (whether by you against us, or by us against you) will be resolved.
  2. ARBITRATION: You or we may elect to resolve any claim, dispute, or controversy arising now or in the future under or relating in any way to (i) this Agreement, (ii) your account, (iii) advertisements, promotions, or statements related to this Agreement or your account, or (iv) your application to open an account, regardless of the nature of the cause(s) of action asserted (including claims for injunctive, declaratory, or equitable relief), by individual binding arbitration. This election may be made by the party asserting the claim or the party defending the claim. Claims will be decided by one neutral arbitrator who will be a retired judicial officer or an attorney with at least ten (10) years of experience; however, if we both agree, we may select another person with different qualifications.


    Notice of claim: Before beginning arbitration pursuant to this Section E, you and we agree to send a written claim notice to each party against whom a claim is asserted. The claim notice will give you and us a chance to resolve our dispute informally. The claim notice must describe the dispute or claim, list the name, phone number, and address of each party, specify the amount of money in dispute, if applicable, identify the requested location if an in-person hearing is requested, and state the specific relief demanded. Notice to you may be sent to your current mailing address or email address on file with us. Your written claim notice must be sent by mail to BrightFi LLC, 4250 North Drinkwater Blvd, Suite 300, Scottsdale, AZ 85251, or by email to

    Filing a claim: The party filing a claim in arbitration must file its claim before the American Arbitration Association (“AAA”). The arbitration will be administered by the AAA and will be governed by the AAA Consumer Arbitration Rules in effect at the time the claim was filed, except where those rules conflict with this Section E. If the rules conflict, the terms of this Agreement will apply. You can file claims and obtain additional information about the arbitration process, including rules and forms, from the AAA at, or by calling 1-800-778-7879.  

    Small claims court: We will not elect arbitration for any claim you file in small claims court, so long as the claim is individual and pending only in that court. You or we may otherwise elect to arbitrate any claim at any time unless it has been filed in court and trial has begun or unless final judgment has been entered. Either you or we may delay enforcing or not exercise rights under this arbitration provision, including the right to arbitrate a claim, without waiving the right to exercise or enforce those rights.

    This arbitration provision is governed by the Federal Arbitration Act, 9 U.S.C. § 1 et seq. The arbitrator will apply applicable substantive law, statutes of limitations, and privileges. The arbitrator will not apply any federal or state rules of civil procedure or evidence in matters relating to evidence or discovery. Subject to the limitations of this Section E, the arbitrator may award any relief available in court. Any award of punitive damages will be subject to the same limitations as an award of punitive damages in court. The arbitration will be confidential, but you may notify any government authority of your claim. Judgment upon any arbitration award may be entered in any court having jurisdiction. Any face-to-face arbitration proceedings will take place in New York City, New York, or, upon your request, in the federal judicial district where you reside. For convenience, the parties may agree to another location in writing.

    All arbitration fees and costs will be paid pursuant to the AAA Consumer Arbitration Rules. We will pay any arbitration fees and costs charged by AAA in connection with any claims. You will be responsible for any other costs that you incur in connection with any claim. If we prevail in arbitration, we will not be entitled to recover our attorneys’ fees, unless the arbitrator determines that the claims were frivolous.
  3. CLASS ACTION WAIVER AND OTHER LIMITATIONS ON ARBITRATION: IF EITHER PARTY ELECTS TO RESOLVE A CLAIM BY ARBITRATION, THAT CLAIM WILL BE ARBITRATED ON AN INDIVIDUAL BASIS. THERE WILL BE NO RIGHT OR AUTHORITY FOR ANY CLAIMS TO BE ARBITRATED ON A CLASS ACTION BASIS, IN A PURPORTED REPRESENTATIVE CAPACITY OR ON BEHALF OF THE GENERAL PUBLIC, OTHER ACCOUNTHOLDERS OR OTHER PERSONS. The arbitrator’s authority is limited to claims between you and us alone. Claims may not be joined or consolidated unless you and we agree in writing. Any arbitration award shall be confidential, and any judgment confirming it will apply only to the specific case and cannot be used in any other case except to enforce the award. Despite any other provision and without waiving the right to appeal such decision, if any portion of this paragraph 21 is deemed invalid or unenforceable with respect to a specific representative action or class action proceeding, then the entire arbitration clause set forth in this Section E will not apply to that representative action or class action proceeding.
  4. SURVIVAL AND SEVERABILITY OF DISPUTE RESOLUTION PROVISION: This Section E will survive (i) the closing of your account and the termination of any relationship between us, (ii) termination of, or changes to, this Agreement, (iii) any legal proceeding relating to your account, (iv) the bankruptcy of any party or any similar proceeding, and (v) the sale or assumption of this Agreement, your account, or any and all rights thereunder. In the case of a sale or assumption of this Agreement, your account or any and all rights thereunder, the buyer will be bound by and may enforce the terms of this Section E. If any portion of this Section E is deemed invalid or unenforceable, it will not invalidate the remaining provisions of this Section E or of this Agreement (except as set forth in paragraph 21).
  5. WAIVER OF TRIAL BY JURY: To the extent any dispute arising under this Agreement or relating in any way to your account or your relationship with us is not arbitrated, and to the extent permitted by law, you and we knowingly and voluntarily agree that a judge, without a jury, will decide the case. YOU KNOWINGLY AND VOLUNTARILY AGREE THAT YOU ARE WAIVING THE RIGHT TO A TRIAL BY JURY IN ANY LAWSUIT.
  6. YOUR INDEMNIFICATION OBLIGATIONS AND LIMITATIONS ON OUR LIABILITY: You agree to indemnify and hold us, our officers, directors, employees, and agents harmless from any and all losses, or claims of any kind arising in connection with the services provided under this Agreement, except those losses, claims, and expenses (including attorney’s fees and costs) arising out of our gross negligence or willful misconduct. You further agree to indemnify and hold us, our officers, directors, employees, and agents harmless from any and all losses or claims of any kind arising out of actions we take or omit to take in good faith reliance upon instructions from you. You also agree to hold us harmless for failing to act on your instructions when we reasonably believe such instructions would cause us to be exposed to civil or criminal liability. You agree that if we do not properly complete a transaction according to this Agreement, we will not be liable in any event for losses or damages in excess of the amount of the transaction, and we will not be liable if circumstances beyond our control prevented the transaction, or if the transaction is prevented because the funds in your account are or may be subject to legal process or other claim. We are not responsible or liable for any other entity’s (not under our direct control) acts or omissions including, without limitation, any Federal Reserve Bank or transmission or communication facility.


    The limitations and exclusions in this paragraph shall apply to all claims of every kind, nature and description whether arising from breach of contract, breach of warranty, gross negligence, or other tort, and will survive the termination of this Agreement and all of your business with us.
  7. LIMITATION ON TIME TO SUE: An action or proceeding by you to enforce an obligation, duty, or right arising under this Agreement or by law with respect to your account or any account service must be commenced within one year after the cause of action accrues.
  8. FORCE MAJEURE: You agree we have no responsibility or liability to you or any third party for failure or delay in our performance under this Agreement or for any losses due to causes or conditions including, without limitation, delays and/or interruptions of business due to any act of God, natural disaster, pandemic, fire, act of government authority, act of public enemy or war, riot, civil disturbance, insurrection, labor difficulty, power failure, telecommunications failure, severe adverse weather condition or other causes beyond our reasonable control. The time, if any, required for such performance under this Agreement shall be automatically extended during the period of such delay or interruption.
  9. NO WAIVER OF OUR RIGHTS: No course of dealing, delay or omission on our part in exercising any of our rights is a waiver by us of such rights or any other right. If we waive or otherwise fail to exercise any right, we may still insist on full enforcement of such right in the future.
  10. SYSTEMS AND SOFTWARE: We are not responsible for any loss or damages you suffer as a result of the failure of systems and software you use to interface with our systems or systems and software you use to initiate or process banking transactions whether such transactions are initiated or processed directly with our systems or through a third-party service provider. You acknowledge that you are solely responsible for the adequacy of systems and software you use to process banking transactions and the ability of such systems and software to do so accurately.

Part II: Form of Account Ownership

  1. SINGLE OWNER CONSUMER ACCOUNT: Your account is a consumer account and the only form of ownership permitted is as a direct, individual account. You will be considered by us as the sole owner of the account. You may not designate additional signatories or otherwise delegate your ability to use the account to another person.  

    We do not offer or make available through the BrightFi platform joint accounts, trust accounts, custodial accounts, “payable on death” designations, Totten Trust accounts, agency or fiduciary accounts, estate accounts, business accounts, organization accounts, or any other form of account other than a single owner, individual account. An account may not be opened on another person’s behalf, by power-of-attorney or otherwise. Only the individual person that will own the account is authorized to open an account.  

    We may establish your account on our books as a “sub-account” of an omnibus account held by Webster for your benefit. If we elect to establish your account as a sub-account, it will not affect the other terms and conditions of your account or this Agreement, your account’s eligibility for federal deposit insurance protection, the interest (if any) paid on your account, the service charges imposed in connection with your account, or the Truth in Savings disclosure given to you. You authorize us and BrightFi to act as your agent to transfer funds between your sub-account and the omnibus account. Your deposit and withdrawal capabilities are not affected by our election to establish a sub-account.

Part III: General Rules Governing Deposit Accounts

A. Deposits

  1. DEPOSIT OF ITEMS: You may make deposits by using BrightFi’s Mobile Application (“Mobile App”) in-app mobile deposit feature, by receiving transfers from third parties, or by any other method we make available, such as over-the-counter deposits facilitated through third-party vendors. The Funds Availability Policy provided to you sets forth our policies relating to the availability of deposited funds. We do not accept deposits by mail or any other method except as described herein.  

    We reserve the right to limit, refuse or return any deposit. All deposits must be of, or denominated in, United States currency.  

    You agree that you will not deposit, without our prior written consent, “substitute checks,” as defined by federal law, or Image Replacement Documents that purport to be substitute checks and have not been previously endorsed by a bank. If you deposit such an item, you agree to reimburse us for losses, costs, and expenses we may incur associated with warranty or indemnity claims. If you provide us with an electronic representation of a substitute check for deposit into your account instead of an original check, you agree to reimburse us for losses, costs, and expenses we incur because the substitute check resulting from the electronic representation does not meet applicable substitute check standards and/or causes duplicated payments.

    You authorize us to accept transfers, checks and other items for deposit to your account if they are made payable to you or to your order, whether or not they are endorsed by you. You may only deposit checks that are made payable to you or your order directly.  

    You warrant that all endorsements are genuine and without prejudice and guarantee any lack of endorsement.  

    You agree not to endorse any deposited item with the restrictive covenant “without recourse” or words with similar meaning. All endorsements must appear on the back of the check or other item within the first one- and one-half inches from the left side of the item when looking at it from the front. Further, any item deposited to your account that bears your stamped or facsimile endorsement will be deemed to bear your actual endorsement whether such endorsement was affixed by you or by someone having no authority to supply your endorsement. We do not accept checks payable to multiple parties for deposit.  

    Any variation of a payee name, which, in our sole discretion, would reasonably indicate that you are intended to be the payee, shall be acceptable.  

    We reserve the right to refuse any item for deposit into your account. You represent and warrant to us your entitlement to any check you deposit, that it is properly endorsed or that you guarantee any lack of endorsement, and we are authorized to accept such check or instrument for deposit and collection into your account. You agree to reimburse us for any loss or expense, including, without limitation, attorneys’ fees and the costs of litigation, arbitration, or other dispute resolution to the extent provided by law, that we incur because you fail to endorse an item exactly as it is drawn.

    If we receive an item on a day that is not a business day or after our cutoff hour on a business day, the item is deemed to have been received on our next business day.

    We do not accept money orders for deposit.  

    The following rules apply to checks deposited using BrightFi’s in-app mobile deposit feature:

    When you deposit a check using BrightFi’s in-app mobile check deposit feature, you must (i) endorse the check in the same manner in which it was made payable to you and (ii) include a restrictive endorsement: “For MyBrightFi Mobile Deposit Only” indicating that the check was deposited using mobile deposit. We may reject any attempted mobile deposit that does not comply with these conditions, or for any reason within our sole discretion. After we have accepted a check through mobile deposit, you may not present the check in any form (paper or digital) to any other financial institution. You must retain the original paper check in your possession for 60 days to facilitate the clearing and deposit process, to address third-party claims regarding the check or for our own auditing purposes. If you fail to make the original check available for our review during the 60 days following mobile deposit, we reserve the right to deduct the funds in question from your account. When you submit a check for mobile deposit, you represent and warrant that (i) each check image is a true and accurate rendition of the front and back of the original check, without alteration, and that the drawer of the check has no defense against payment of the check, (ii) all signatures and endorsements are authentic and authorized, (iii) the check you are depositing is an authentic check and has not been counterfeited or altered in any way; (iv) the amount and payee are accurately identified and have not been altered, (v) you are entitled to enforce the check, (vi) the check complies with all requirements for mobile deposit set forth in this Agreement or that we have otherwise communicated to you, (vii) you have possession of the original paper check, (viii) other than the digital image of an original check that you submit through the MyBrightFi Mobile App, you have not created any other duplicate images, (ix) no other party will submit the original check for payment, and (x) you have not previously deposited the check with any financial institution. After your mobile deposit is complete and accepted for deposit, the funds will be applied to your account and be available for transactions, subject to our Funds Availability Policy provided to you.  

    Mobile Deposit Limits:
                         You may not exceed $5,000.00 for any single mobile check deposit;                                                                                 You may not exceed $5,000.00 in mobile check deposits in any single day;                                                                      You may not exceed more than three (3) mobile check deposits in a single day; and                                                     You may not exceed $10,000.00 in mobile deposits in any month, on a rolling 30-day basis.  
  2. COLLECTION OF ITEMS: Even though we may credit your account immediately when you make a deposit, we receive any item (other than United States currency) for deposit or collection as your collection agent, and we reserve the right to refuse any item for deposit or to reverse credit for any deposited items or to charge your account for items should they become lost in the collection process. We assume no responsibility beyond the exercise of due care, and we may handle the collection of any such item in accordance with our usual practices. We will not be liable for default or negligence of our correspondents or for loss in transit, and each correspondent will not be liable except for its own negligence. Items and their proceeds may be handled in accordance with applicable regulations, Clearing House Association or fund transfer system rules, and contractual arrangements with other financial institutions. If an item is lost in processing, we have the right to charge your account for the lost item immediately or after an investigation.

    All deposited items are provisionally credited to your account and subject to final payment and receipt of proceeds by us. Without prior notice to you, we may charge back any item to your account (and adjust the interest earned on your account, if any, accordingly) at any time before final payment, whether the item is returned or not (and whether it was deposited or returned by electronic or other means), and we may also charge back any item to your account if, within the normal handling period for such item, the item cannot be honored against the drawer’s account. We are authorized to pursue collection of previously dishonored items and, in so doing, may permit the drawee bank to hold an item beyond the midnight deadline.

    If any check or other item deposited in your account is returned to us by the bank on which it was drawn through the Federal Reserve, a clearing house or other normal check return channels, we may accept that return and charge the check or other item back against your account without regard to whether the bank on which the check was drawn returned the check before its midnight deadline, even if doing so results in an overdraft in the account. Furthermore, if, after a check or other item deposited into your account is finally paid, it is returned to us by the bank on which it was drawn because someone has made a claim that the check or other item was altered, forged, unauthorized, or should not have been paid for some other reason, we may debit your account for the amount of the item, even if doing so depletes all funds in the account or results in an overdraft in the account.
  3. DIRECT DEPOSITS: If we provide direct deposit services for automatic preauthorized deposits to your account of government payments or automatic transfers from your other accounts with us you must notify us at least thirty (30) days prior to the next scheduled direct deposit or preauthorized transfer if you wish to cancel the direct deposit or transfer service. If, in connection with a direct deposit plan, you deposit any amount in this account which should have been returned to the Federal Government or other issuer for any reason, you authorize us to deduct the amount of your liability to the Federal Government or other issuer from this account or from any other account you have with us, without prior notice and at any time, except as prohibited by law. We may also use any other legal remedy to recover the amount of this liability.

B. Savings Jars

  1. CREATING AND MOVING FUNDS INTO A SAVINGS JAR: Savings Jars are available for you to use if you want to set money aside to save for a specific purpose. You can create a Savings Jar and transfer funds into it using the MyBrightFi Mobile App or website. Creating a Savings Jar creates a sub-account within your account. A Savings Jar is not a traditional savings account and does not earn interest. Your Savings Jars are governed by this Agreement to the same extent as your account, but are subject to the additional limitations set forth in this Section B. You are limited to three (3) Savings Jars.
  2. STATUS OF FUNDS IN A SAVINGS JAR: You cannot make purchases, withdraw cash, send money, or make any transactions with funds that are inside your Savings Jars. The “balance” shown in the MyBrightFi Mobile App for your account reflects the total funds available for spending and does NOT include funds inside any Savings Jars. Funds contained in any Savings Jars are displayed separately in the MyBrightFi Mobile App and website.
  3. MOVING FUNDS TO AND FROM SAVINGS JARS: You can easily move funds into and out of Savings Jars using the MyBrightFi Mobile App or website as often as you like. If you have funds in a Savings Jar but want to spend the funds, simply move them out of your Savings Jar and into your primary account. The funds will immediately be reflected in your account balance, and you can make transactions in accordance with this Agreement.

C. Withdrawals

  1. WITHDRAWAL PROCEDURES: You may make withdrawals using an ATM that is part of an ATM network to which we belong. You may transfer funds from your account by means we make available to you, including by using the MyBrightFi Mobile App or the BrightFi website. You agree that we may charge your account for any withdrawal or transfer amount that you make or authorize someone else to make. We reserve the right to limit the amount of funds that may be withdrawn from your account in cash for various reasons, including, without limitation, the amount of currency that is available at an ATM terminal.

    We may refuse to allow a withdrawal if you do not have sufficient available funds in the account to cover the full amount of the withdrawal, there is a dispute about the account (unless a court has ordered us to allow the withdrawal), the account is garnished or attached or otherwise subject to legal process, the account has been pledged as collateral for a debt, the availability of the funds on deposit cannot be verified, any required documentation has not been presented, or you fail to repay an obligation to us on time.

    If electronic debits or other orders of payment from your account are issued by any third party, the Bank bears no liability for such items. A notation of “authorized by your depositors,” or similar words will be deemed sufficient as your authorization to the Bank to pay the items presented.  

    If we receive an item that does not meet our requirements, we reserve the right to reject the item, impose a special fee for processing the item, or both. We also reserve the right to refuse a withdrawal or transfer request that is attempted by any manner not specifically authorized for the account in question, that is greater in frequency or number than that specifically permitted for the account in question, that is suspected to be associated with any fraud, or that is for an amount less than any minimum withdrawal or transfer denomination required for the account in question.  

    We will not honor any checks drawn against your account.
  2. ELECTRONIC PRESENTMENT/POSTING: We may charge your account on the day that a transaction is presented (or returned) to us directly or electronically for payment. We may also charge your account or place a hold on funds at an earlier time if we receive notice that an item or transaction has been deposited for collection in another institution or is being processed against your account by a merchant (e.g., at a point-of-sale terminal). In that regard, you should understand that some transactions with particular merchants may be initially authorized in advance for point-of-sale transactions in an amount that differs from the final transaction amount. Transactions at fuel pumps are commonly initially authorized for amounts that differ from the final transaction amount. Bars, restaurants, and other merchants that allow tipping on cards also may initially authorize amounts that differ from the amount of final settlement. This could affect the balance available in your account to cover other transactions. We are not responsible for damages or wrongful dishonor if any item is not paid because of insufficient funds resulting from these procedures. Please check the balance on the MyBrightFi Mobile App before making purchases to ensure that you have adequate funds.
  3. INSUFFICIENT FUNDS, UNCOLLECTED FUNDS: An account is considered to have insufficient funds when the available balance is insufficient to pay a debit (such as an ATM withdrawal, debit card transaction, preauthorized automatic debit, or other electronic transfer) presented for payment. A portion of the balance in an account is considered to be “uncollected” when it has not yet become “available” in accordance with our Funds Availability Policy. We may refuse to pay and thereafter return any item drawn on your account when the balance in the account that would be necessary to pay the item is either insufficient or uncollected. We may determine whether or not your account contains sufficient available funds to pay an item at any time between the time we receive the item and our return deadline, and only one determination of the account balance is required. We determine the order in which we process and post deposits and other credits and items to your account.  

    We will not pay items where there are insufficient or uncollected funds to pay them. If we do pay the insufficient or uncollected funds item, you agree and acknowledge that such payment does not constitute an application for credit and that any negative balance in your account is immediately due and payable to us without further demand. You agree that you will immediately deposit or otherwise pay us sufficient good funds to eliminate the deficiency. We may apply all subsequent deposits to your accounts, including deposits of benefit payments such as Social Security payments, to cover any negative balance in your account.
  4. NEGATIVE ACCOUNT BALANCES: You agree to pay us, or have us deduct from your accounts, such fees and service charges as we may, from time to time, impose pursuant to this Agreement or related disclosures. You are liable for any account deficit resulting from fees and service charges, whether caused by you or another person authorized to withdraw from your account. You also agree to reimburse us for any actual costs we incur to collect such fees, including our attorneys’ fees. If your account has a negative balance, you will not be able to complete any transactions with that account. You must bring the account positive by depositing additional funds or transferring funds from a Savings Jar in order to resume transactions. Regardless of your account balance, your monthly fee will continue to be assessed and will post to your account. If you already have a negative account balance, the monthly fee will increase this negative balance.


    Example: There is $2.00 in an account when the monthly $4.95 fee is assessed and posted to the account. The account balance becomes -$2.95. After 30 days from the date the account balance became negative, the monthly $4.95 fee is assessed, bringing the account balance to -$7.90. After 60 days from the date the account balance became negative, another monthly $4.95 fee is assessed, making the balance -$12.85. After 90 days from the date the account balance became negative, the $4.95 fee is assessed again, making the balance -$17.80. At this point, the account would be closed.  

    A customer may deposit funds into an account at any time. Funds will be applied to the negative balance, and the remaining funds will be available for transactions. For example, if the accountholder described above deposited $20.00 on the day after the account balance became negative, then upon the deposited funds being available pursuant to our funds availability policy, the customer would have a positive balance of $17.05 available for transactions.

    If, instead, the accountholder described above waited until day 65 after the account balance became negative to deposit $20.00, then upon the deposited funds being available pursuant to our funds availability policy, the account would have a positive balance of $7.15 available for transactions.  

D. Electronic Funds Transfers

  1. GENERAL: This Section D of Part III (Electronic Fund Transfers) explains provisions that apply to electronic fund transfers to or from consumer accounts only. These transfers are governed by Regulation E, which implements the federal Electronic Fund Transfer Act. These provisions do not apply to any fund transfer (including a wire transfer) that is a remittance transfer as defined in Regulation E, Subpart B. The electronic fund transfers we are capable of handling for consumers are indicated below.
  2. TYPES OF TRANSFERS, FREQUENCY AND DOLLAR LIMITATIONS: We provide a variety of electronic fund transfer services for your account. These include payments, deposits, and transfers that you make or receive by electronic methods, such as with your debit card, through the Mobile App, or online through MyBrightFi’s website.

    A.       Prearranged Transfers: You may make arrangements for the following recurring prearranged transfers.
      ·      Preauthorized credits. You may make arrangements for certain direct deposits to be accepted into your account. You can obtain instructions and access a form to initiate direct deposit in the MyBrightFi Mobile App or website. You can use direct deposit to deposit a maximum of $5,000.00 for any single deposit and a maximum of $5,000 per day. Please note that ACH transfers from outside financial institutions or third-party money transfer services count against these limits.    
       ·      Preauthorized payments. You may make arrangements to pay certain recurring bills from your account. We will treat a request for payment received from a third party pursuant to such an arrangement as a request for payment authorized by you.

    B.       ATM Withdrawals: You may access your account by ATM using your debit card and PIN to get cash withdrawals from your account. The following limits apply to ATM cash withdrawals:

          ·      Maximum 5 withdrawals per day;
          ·      Maximum $500.00 per withdrawal;
          ·      Maximum $1,000 per day; and,
          ·      Maximum $5,000.00 per month (on a 30 day rolling basis)          

    Certain ATM locations may have lower limits based on machine capabilities          

    C.       Point of Sale Transactions: Using your debit card, you may access your account to purchase goods (in person, by computer or mobile device), pay for services (in person, by computer or mobile device), withdraw cash from a merchant (if the merchant permits) or from participating financial institutions, and do anything that a participating merchant will accept.
          ·      You may not exceed more than 20 transactions per day;
          ·      You may not exceed $3,000.00 for any single transaction; and,
          ·      You may not exceed $5,000.00 aggregate transactions per day  

    D.       Mobile Banking Transfers: You may access MyBrightFi’s Mobile App using your mobile device to:
         ·      Get account information;
          ·      Make payments to third parties from your account;
          ·      Pay bills;
          ·      Send money to people via a person-to-person transfer;
          ·      Manage your savings jars; and,
          ·      Manage your debit card

    When you use the Mobile App, you may be charged access fees by your cell phone service provider based on your individual plan. Web access is needed to use this service. Check with your cell phone service provider for details on specific fees and charges.

    E.       Computer Transfers: You may access your account at Subject to applicable limits set forth herein, using your User ID and Password, you can:
          ·      Get account information;
          ·      Make payments to third parties from your account;
          ·      Pay bills;
          ·      Send money to people via a person-to-person transfer;
          ·      Manage your savings jars; and,
          ·      Manage your debit card

    F.       Limits for Person-to-Person Mobile Banking and Computer Transfers:
    ·      You may not exceed $4,000.00 inperson-to-person transfers in any given day
    ·      You may not exceed 8 person-to-person transfers to people that do not have an account through BrightFi in any given month. There is no limit on transfers per month to people that have an account through BrightFi.

    G.      Electronic Fund Transfers Initiated by Third Parties: You may authorize a third party to initiate electronic fund transfers between your account and the third party’s account. These transfers to make or receive payment may be one-time occurrences or may recur as directed by you. These transfers may use the Automated Clearing House (“ACH”) or other payments network. Your authorization to the third party to make these transfers can occur in a number of ways. In all cases, these third-party transfers will require you to provide the third party with your account number and financial institution information. This information can be found in the MyBrightFi Mobile App or website after logging in to your account. You should only provide your financial institution and account information (whether over the phone, the internet, or via some other method) to trusted third parties whom you have authorized to initiate these electronic fund transfers.
  3. FEES: We charge a $4.95 monthly service fee. Except as set forth below, we do not charge fees for individual transactions regardless of type.

    ·      We will charge you a fee in the amount of $10.00 if you lose your card and we replace it.

    Note that if you use an ATM that is not part of the MoneyPass network, you may be charged a fee by the ATM operator or any network used (and you may be charged a fee for a balance inquiry even if you do not make a withdrawal).
    A.       Terminal Transfers: You can usually get a receipt at the time you make a transfer from your account using an ATM or point-of- sale terminal. You may not get a receipt for small dollar transactions. 

    B.       Preauthorized Credits: If you have arranged to have direct deposits made to your account at least once every sixty (60) days from the same person or company, you can check the MyBrightFi Mobile App, or call us at the telephone number listed below, to find out whether or not the deposit has been made.           

    BrightFi Customer Service: 1-888-627-5407 

    C.       Periodic Statements: We will provide notice of periodic account statements via text message or through the Mobile App, and you can access periodic statements through our Mobile App. You will also be able to access your monthly statements through BrightFi’s website at, after logging in to your account. Statements will be available monthly, on the anniversary of the date you first fund your account.
    A.       Right to Stop Payment and Procedure for Doing So:
    If you have told us in advance to make regular payments out of your account, you can stop any of these payments. Here’s how: Call BrightFi customer service at 1-888-627-5407, send us an email at, or write to us at BrightFi LLC, 4250 North Drinkwater Blvd, Suite 300, Scottsdale, AZ 85251, in time for us to receive your request three (3) business days or more before the payment is scheduled to be made. If you call, we may also require you to put your request in writing and get it to us within fourteen (14) days after you call.

    B.       Notice of Varying Amounts: If these regular payments may vary in amount, the person you are going to pay should tell you, ten (10) days before each payment, when it will be made and how much it will be. You may choose instead to get this notice only when the payment would differ by more than a certain amount from the previous payment or when the amount would fall outside certain limits that you set.

    C.       Liability for Failure to Stop Payment of Preauthorized Transfer: If you order us to stop one of these payments as set forth above three (3) business days or more before the transfer is scheduled, and we do not do so, we will be liable for your losses or damages.
  6. LIABILITY FOR FAILURE TO COMPLETE TRANSACTIONS: If we do not complete a transfer to or from your account on time or in the correct amount according to our agreement with you, we will be liable for your losses or damages. However, there are some exceptions. We will not be liable, for instance:

    ‍·      If your account is suspended when yourequest the transfer
    ·      If, through no fault of ours, you do not have enough money in your account to make the transfer;
    ·      If the ATM where you are making the transfer does not have enough cash;
    ·      If the terminal or system was not working properly and you knew about the breakdown when you started the transfer;
    ·      If circumstances beyond our control (such as fire or flood) prevent the transfer, despite reasonable precautions that we have taken; or,
    ·       If the transfer appears suspicious and is blocked, based on a prohibited activity
  7. CONFIDENTIALITY: We will disclose information to third parties about your account or the transfers you make:

    ·      where it is necessary for completing transfers;
    ·      in order to verify the existence and condition of your account for a third party, such as a credit bureau or merchant;
    ·      in order to comply with government agency or court orders; or,
    ·       as explained in the U.S. Consumer Privacy Notice.
  8. CONSUMER LIABILITY FOR UNAUTHORIZED TRANSFERS: Tell us at once if you believe your debit card and/or code has been lost or stolen, or if you believe that an electronic fund transfer has been made without your permission using information from your account. Emailing BrightFi customer service at or calling BrightFi customer service at 1-888-627-5407 as soon as possible is the best way of keeping your possible losses down. You could lose all the money in your account. If you tell us within two (2) business days after you learn of the loss or theft of your debit card and/or code, you can lose no more than $50 if someone used your ATM or debit card and/or code without your permission. If you do NOT tell us within two (2) business days after you learn of the loss or theft of your ATM or debit card and/or code, you could lose as much as $500. Also, if your statement shows transfers that you did not make, including those made by debit card, code or other means, tell us at once. If you do not tell us within sixty (60) days after the statement was delivered to you, you may not get back any money you lost after the sixty (60) days.

    If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods.
  9. Debit Mastercard® Additional Limits on Liability for Consumer Debit Cards: You will not be liable for any unauthorized transactions using your debit Mastercard® if:

    1. You can demonstrate that you have exercised reasonable care in safeguarding your debit card from the risk of loss or theft; and  
    2. Upon becoming aware of a loss or theft, you promptly report the loss or theft to Mastercard.
  10. ERROR RESOLUTION NOTICE: Email BrightFi customer service at, telephone us at 1-888-627-5407, or write to us at BrightFi LLC, 4250 North Drinkwater Blvd, Suite 300, Scottsdale, AZ 85251 as soon as you can if you think your statement or receipt is wrong or if you need more information about a transfer listed on a statement or receipt. We must hear from you no later than sixty (60) days after we send or make available the FIRST statement on which the problem or error appeared.

    When you contact us:
    1.   Tell us your name and account number (if any);
    2.   Describe the error or the transfer you are unsure about and explain as clearly as you can why you believe it is an error or why you need more information; and
    3.   Tell us the dollar amount of the suspected error.

    If you tell us orally, we may require that you send us your complaint or question in writing within ten (10) business days.

    We will determine whether an error occurred within ten (10) business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to forty-five (45) days to investigate your complaint or question. If we decide to do this, we will issue a provisional credit to your account within ten (10) business days of your complaint for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation.  

    For errors involving new accounts, point-of-sale, or foreign-initiated transactions, we may take up to ninety (90) days to investigate your complaint or question. For new accounts, we may take up to 20 business days to credit your account for the amount you think is in error.  

    An account is considered a new account for thirty (30) days after you first deposit funds into your account.

    We will tell you the results within three (3) business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation.
    We have the right to refuse a transaction on your account when your debit card has been reported lost or stolen or when we reasonably believe there is unusual activity on the account.
    You cannot use your debit card for a transaction that would exceed your account balance. We will not be required to complete any such transaction or any transaction that would exceed the daily authorization limit attached to your debit card, but if it does, you agree to pay us the amount of the improper withdrawal or transfer upon request.
    You agree not to reveal your PIN to anyone and not to write your PIN on your debit card or on any item kept with your debit card.
    If you give your debit card and PIN to another, then that person’s transactions will be considered authorized.
    E. Use of the debit card is also subject to the rules of the government agencies which regulate federal savings associations.
  12. BUSINESS DAYS: Our business days are Monday through Friday, excluding bank holidays.
  13. CHANGING THIS AGREEMENT: For purposes of this Section C, we have the right to change this Agreement from time to time, effective upon notice to you, either delivered by text message or in-app notification, or emailed to you at your email address shown on our records, or on any other stated effective date. We will notify you at least twenty-one (21) days before a change will take effect if it will cause you greater costs or liability, if it will limit your ability to engage in transactions, or if it will result in stricter limitations on the frequency or dollar amount of transfers. We do not have to notify you in advance, however, if the change is necessary to maintain or restore the security of an account or an electronic fund transfer system.

E. Funds Transfers

  1. GENERAL: The following special rules apply to any fund transfers you receive through us in connection with your account that are not subject to the Electronic Fund Transfer Act or the Consumer Financial Protection Bureau’s Regulation E, including, but not limited to, Fedwire transfers; transfers of funds for the primary purpose of purchasing or selling securities or commodities regulated by the Securities and Exchange Commission (“SEC”) or the Commodity Futures Trading Commission (“CFTC”), purchased or sold by a Broker-dealer regulated by the SEC or through a futures commission merchant regulated by the CFTC, or held in book-entry form by a Federal Reserve Bank or federal agency purchase or sale of a security or commodity; automatic intra-bank transfers under an agreement with us; and telephone-initiated transfers that are not the function of a written plan contemplating periodic or recurring transfers. If any part of a fund transfer you receive is carried out by using Fedwire (which is a fund transfer system operated by the Federal Reserve Banks), then your rights and obligations are subject to the Federal Reserve Board’s Regulation J. Article 4A of the Uniform Commercial Code includes provisions relating to fund transfers and the terms used in this Section E of Part III (Funds Transfers) have the meanings set forth in Article 4A.
  2. RECEIVING FUND TRANSFERS:  You acknowledge that we have given you notice that, except for fund transfers we receive through Fedwire, any credit we give you with respect to a fund transfer is provisional until we receive final settlement for that entry. If we do not receive final settlement, you agree that we are entitled to a refund of the amount credited to your account in connection with such entry. In such an event, the person who sent the fund transfer is not deemed to have paid you its amount.

    You acknowledge that we will not give you next day notice of receipt of a wire fund transfer item. Instead, you can view credits shortly after they have been credited to your account using the Mobile App or our website. In addition, we will notify you of the receipt of payments in your periodic account statements.  

F. Protecting Your Account

  1. REVIEWING STATEMENTS AND ERROR NOTIFICATION: We will maintain appropriate records of your account. We will make account statements available through the MyBrightFi Mobile App, and online at when you log in to your account. You agree to notify us promptly if you change your email address or mobile phone number. If any statement or notice thereof is returned to us because of an incorrect e-mail address or phone number, we may stop sending statements to you, in which case you acknowledge that we shall not be held liable for failing to make your statement of account available to you. In such case, it shall be considered as if we have provided you with your statement as of the statement date that was or would have been shown on your statement, showing payment of items and the items paid or the information sufficient to allow you to reasonably identify the items paid. You must review your account statement for errors or unauthorized payments or transfers.

    Except as noted in Section C of Part III (Electronic Fund Transfers) or other document applicable to electronic fund transfers, if your account statement contains any errors or improper charges, you agree to notify us of any such errors or improper charges within fourteen (14) days of the first date on which we mailed the affected statement or otherwise made the transactional information available to you. If you do not notify us within that time, you are absolutely barred from bringing any action against us that is in any way related to the errors or improper charges. If we honor an item drawn on your account that is fraudulent or improper or contains a forged signature or endorsement or is altered in any way, you agree to notify us of such forgery or alteration within fourteen (14) days of the date on which the forged or altered item was provided to you or, if the item was not provided to you, within fourteen (14) days of the first date on which we mailed the account statement or made available to you the transactional information that contained a description of the forged or altered item. If you do not so notify us, you are absolutely barred from bringing any action against us that is related in any way to the forgery or alteration. In any case, you are barred from bringing any action against us for multiple unauthorized signatures or alterations by the same wrongdoer if you do not notify us in writing within fourteen (14) days after we first mailed the account statement or made available to you the transactional information that contained the description of that same person’s first forged or altered item drawn on your account.

    Failure to report a forged or altered item within the time frames set forth above shall be deemed conclusive proof that you failed to exercise reasonable care and promptness in examining the statements and items of the affected account and in notifying us after discovery of the forgery or alteration. Moreover, because you are in the best position to discover an unauthorized signature, an unauthorized endorsement, or a material alteration, you agree that we will not be liable for paying such items if these items were drawn without authority or altered so cleverly that the lack of authorization or alteration could not be detected by a reasonable person and you were negligent in some respect. An item description appearing in an account statement will be deemed sufficient for purposes of this paragraph if it contains the item’s number (or other identifier), amount, and date paid.
  2. FRAUD DETECTION AND DETERRENCE; IDENTITY THEFT: Fraud has increased dramatically in recent years due to a number of factors, including increased access by criminal elements to high quality computer scanning and printing equipment and expedited funds availability mandated by Congress and the Board of Governors of the Federal Reserve System. There are several precautions you can and should take to decrease the risk of unauthorized debits to your account. Such precautions include, but are not limited to:

    Safeguarding critical identity information such as your account number;  Safeguarding electronic access devices, ATM and debit card PIN;  
    Promptly and carefully reviewing each monthly bank statement for unauthorized debits, and promptly reporting any claims to us;
    Reviewing online activity and statements for unauthorized activity on a regular basis and upon any suspicion that a debit card or login credentials may have been stolen; and
    Closing your account immediately upon discovery of any known or suspected unauthorized debits.

G. Other Terms

  1. CARD TRANSACTIONS USING CURRENCY OTHER THAN U.S. DOLLARS: If you effect a transaction with your debit Mastercard® in a currency other than U.S. dollars, Mastercard International Incorporated will convert the charge into a U.S. dollar amount. Mastercard International will use its currency conversion procedure, which is disclosed to institutions that issue debit Mastercard® cards. Currently the currency conversion rate used in U.S. dollars for such transactions is generally either a government mandated rate or a wholesale rate determined by Mastercard International for the processing cycle in which the transaction is processed, increased by an adjustment factor established, from time to time, by Mastercard International. The currency conversion rate used by Mastercard International on the processing date may differ from the rate that would have been used on the purchase date or cardholder statement posting date. You may be charged a foreign transaction fee, in addition to any other ATM or debit card fees, by other participants in such a transaction.
  2. ELECTRONIC IMAGES:  We may add images of your account documents (items) to our electronic document storage system. We may destroy the original documents that have been converted to electronic images.
  3. SETOFF ANDSECURITY INTEREST: If your account has a negative balance for fifteen (15) days or more, we have the right under the law to use the money from another account you have with us at the Bank to pay the debt (this right is known as the right of “setoff”). In addition, you grant us a security interest in your deposit account so that the balance in the account is collateral for any current or future obligation you owe us (whether as a borrower, a guarantor, a debtor or otherwise). We may use the money to pay the debt even if withdrawal results in an interest penalty or insufficient funds to cover outstanding items. The security interest granted by this Agreement is consensual and is in addition to our right of setoff. However, the right of setoff and security interest may not apply to your account if: (1) it is an IRA or a tax-deferred Keogh Retirement Account (but this does not affect our rights under any consensual security interest); (2) the debt is created by a consumer credit transaction under a credit card plan; or (3) our records demonstrate to our satisfaction that your right of withdrawal arises only in a representative capacity (for example, only as an authorized signer, attorney-in-fact, or a fiduciary).

    Neither we nor our affiliates will be liable to you if our setoff from your account leaves insufficient funds to cover outstanding items. You agree to hold us and our affiliates harmless from any claim arising as a result of the exercise of our right of setoff.
  4. LEGAL PROCESS AGAINST ACCOUNT: If legal action such as an attachment, garnishment, levy or other state or federal legal process (“legal process”) is brought against your account, we may refuse to permit (or may limit) withdrawals or transfers from your account until the legal process is satisfied or dismissed. If we receive any document that purports to be legal process, you authorize us to accept and comply with it, no matter how we received it.

    You direct us not to contest, on your behalf, any such legal process and to take action to comply with such process as we determine to be appropriate in the circumstances without liability to you, even if any funds we may be required to pay out leaves insufficient funds to cover outstanding items. Any legal process against your account is subject to our right of setoff and security interest. You agree that because we may have operations in numerous jurisdictions and states other than where your account was opened, if we are served with any process as referenced above in any jurisdiction or state, we may recognize and honor such service of process.

    You agree that if we incur any expense due to any legal proceedings involving your account including a subpoena, a restraining notice, a search warrant (and related expenses due to a safe deposit break open, an attachment, garnishment, or levy upon your account, including, but not limited to, court costs and attorneys’ fees), you will reimburse us for such expense, or we may charge any portion of such expense to your account. We may restrict the use of your account if it is involved in any legal proceeding. You also agree that any action we may take to obtain reimbursement from you for any costs or expenses may also be taken against your estate, heirs, legal representatives and successors, who shall be liable for any claims made against and expenses incurred by you or them.
  5. CONFLICTS/DISPUTES: If we receive an actual or potential claim from a third party or legal owners regarding your account, any deposit, transfer, credit or other transaction involving your account, or conflicting instructions or claims from authorized users or persons claiming to be authorized users, you grant to us full discretion to freeze your account and not honor any further transactions until the claim is resolved, or we may, at our discretion, choose not to pay out any money from your account until we receive consistent instructions from all parties or a court order, all without liability to us. We may also, without liability to you, close the account and issue a check made payable to you and each claimant, as we deem necessary, or we may interplead the funds into court. We may charge interest on any loss at a rate not to exceed the maximum legal rate. You agree to reimburse us for any loss, interest expense, costs or other expenses including, without limitation, attorneys’ fees and the costs of litigation, arbitration, or other dispute resolution (to the extent permitted by law) that we incur as a result of any dispute involving your account, and you authorize us to deduct any such loss, interest expense, costs, or other expenses from your account without prior notice to you. This obligation includes any dispute between you and us involving the account and situations where we become involved in any dispute between you and an authorized user, or if a third party takes action with respect to the account that causes us, in good faith, to seek the advice of counsel, whether or not we actually become involved in a dispute.
  6. OTHER ADVERSE CLAIMS: If we receive notice of an actual or potential adverse claim to your account or the funds in it, we may in our discretion refuse to pay out any money from your account for a reasonable period of time after receipt of notice of the actual or potential claim. Although we reserve the right to refuse to pay out any money from your account if we receive notice of an actual or potential claim, we are not required to recognize any adverse claim unless:

    1.    The claimant provides us with an acceptable bond indemnifying us against any and all liabilities, losses, damages, costs, and expenses that we might incur in connection with payment of the adverse claim and any resulting dishonored items;
    2.    The claimant has obtained an order from a court of competent jurisdiction in a case in which you are a party and have been served with a summons, or jurisdiction has been invoked by other authorized means; or
    3.    You act as a fiduciary for the claimant and the claimant gives us an affidavit setting forth the nature of the fiduciary relationship and the facts upon which the claimant has reasonable cause to believe that you are about to misappropriate the funds.
  7. DEATH OR INCOMPETENCE: Neither your death nor a legal adjudication of incompetence revokes our authority to accept, pay, or collect items until we know of the fact of death or of an adjudication of incompetence and have a reasonable opportunity to act on it. Even with knowledge, we may, for ten (10) days after the date of death, pay items drawn or initiated on or before the date of death unless ordered to stop payment by a person claiming an interest in the account.
  8. CLIENT’S RESPONSIBILITY FOR CHECK ENDORSEMENT: You agree to assume responsibility for and to indemnify us for any loss we may incur as a result of your failure to comply with the endorsement standards set forth in this Agreement. You agree not to place any mark, signature, stamp, or other writing in the “Depository Bank Area” on the reverse side of any check, draft, or other item deposited in your account with us. The Depository Bank Area is that part of the back of the check which is 3 inches from the leading edge to 1.5 inches from the trailing edge of the check or other item. The leading edge of the check is the right side of the check looking at it from the front. The trailing edge is the left side of the check looking at it from the front. You are also responsible for the condition of a check or item when you issue or deposit it. If a check or item is returned or payment is delayed as a result of any writing or marking that you or a prior endorser placed on the front or back of the check or item, you will be responsible for any cost and liabilities associated with such return or delay.
  9. CREDIT INFORMATION: We may, from time to time, without notice to you except as required by law, respond to requests for information about your credit or other experiences with you or your account and may provide information about you and your account to credit and check reporting agencies and to our subsidiaries or affiliates. If you are an individual, you have the right to prohibit us from sharing other information about your employment and credit history, information on your application, and any other information among our affiliated companies to the extent permitted by the Fair Credit Reporting Act. If you would like to exercise this right, you must email customer service at or call customer service at 1-888-627-5407. You may receive additional notices of the right to opt-out, but you only need to respond once to exercise this right.
  10. TRANSFER OF OWNERSHIP: Your account is not transferable except on our books and records and in our sole discretion. You may not pledge this account as collateral for any loan.
  11. TELEPHONE MONITORING: Bank or BrightFi may randomly monitor customer service telephone conversations to ensure courteous and efficient service. When Bank or BrightFi speaks with you on the telephone, you agree that the call may be monitored without further notice to you. Bank and BrightFi usually do not record telephone calls without notice.

    When you give us a telephone number, including a cell phone number, you give us permission to contact you at that number about your account. Your consent allows us to contact you using text messages, artificial or prerecorded messages and automatic dialers. Message and data rates may apply. You may contact us anytime to change these preferences. If you give us your email address, you agree that we may send servicing messages (such as fraud alerts and hold alerts) related to your accounts to that address.
  12. CALLS AND MESSAGES TO YOUR MOBILE DEVICE: You agree that we or our agents or service providers may contact you regarding any matter for any non-telemarketing reason (e.g., sending PINs, processing service requests), using any kind of telecommunications technology at any email and telephone number you provide to us, including the phone number for your mobile device. You agree to receive these calls and messages. In addition, when you give us a telephone number, including a cell phone number, you give us permission to contact you at that number about all of your accounts. Your consent allows us to contact you using text messages, app-driven notifications and artificial or prerecorded messages. Message and data rates may apply. You agree that we may send servicing messages (such as transaction reports, fraud alerts and hold alerts) related to your accounts to any email address you provide. You also agree that we may send text messages to any phone number for your mobile device you provide to us. You understand and accept that your service provider may charge you for these calls and messages consistent with applicable law.
  13. SERVICE ALERTS: From time to time, we may provide automatic account alerts regarding certain account activities or when certain changes are made to your account, such as a change in your email address, telephone number or password. If we choose to send these alerts, you do not need to activate them, as they are automatically activated for you.
  14. ELECTRONIC MESSAGES: You acknowledge that data, including emails, may be accessed by unauthorized third parties when communicated between you and us using the Internet (for example, by such third-party downloading spyware or malware onto your computer), telephone, or other electronic devices. We are not responsible for any misdirected data or disclosures that occur as a result of your use of third-party electronic communication channels.

BrightFi User Agreement

Last Updated: August, 2022

User Agreement

This User Agreement (“User Agreement”) sets forth a legal agreement between you (“you” or “your”) and BrightFi LLC (“BrightFi”) and its affiliates (collectively, “we”, “us” and/or “our”) regarding your use of the mobile application (the “Mobile App”), the Site (the “Site”) and/or technology platform (collectively, the “Services”) operated by us. This User Agreement applies when you access, interact with, sign up for or use any of the Services and is binding as of the first date you access, use, interact with or sign up for or use any Services. Other aspects of the Services may be covered by other terms, conditions and agreements with us or third parties such as financial institutions. For example, your deposit account and debit card are provided to you by Webster Bank, N.A. and are subject to the Deposit Account Agreement you have entered into. THIS USER AGREEMENT ALSO INCLUDES, AMONG OTHER THINGS, A BINDING ARBITRATION PROVISION THAT CONTAINS A CLASS ACTION WAIVER. PLEASE REFER TO THE SECTION BELOW TITLED “DISPUTE RESOLUTION” FOR MORE INFORMATION.

  1. ACCEPTANCE OF USER AGREEMENT: By accessing and/or using the Services, you acknowledge that you have read, understood, and agree to be bound by the terms and conditions set forth in this User Agreement.  If you do not agree with these terms and conditions, you may not access or use the Services.
  2. PRIVACY POLICY: Please read the BrightFi Privacy Policy [this should point to privacy landing page] carefully for information relating to our collection, use, and disclosure of your personal information. By accessing or using the Services you agree to the BrightFi Privacy Policy. The policy describes what personal information we collect from you, how we protect that data, and explains that we do not share the data with third parties for any marketing purposes. We do share data with third-party vendors that we rely on to provide services to you.
  3. USE OF BRIGHTFI SERVICES: You may not use the Services in any manner that may impair, overburden, damage, disable or otherwise compromise (i) BrightFi’s Services; (ii) any other party’s use and enjoyment of the Services; or (iii) the services and products of any third parties including, without limitation, any device through which you access the Mobile App (the “Authorized Device”) or our website. You agree to comply with all applicable laws and regulations governing the downloading, installation and/or use of the Mobile App, including, without limitation, any usage rules set forth in the online application store terms of service. You agree that you will not share your username and password with any third parties for any reason.
  4. UPDATES TO THE MOBILE APP: From time to time, BrightFi may automatically check the version of the Mobile App installed on the Authorized Device and, if applicable, provide updates for the BrightFi Mobile App (“Updates”). Updates may contain, without limitation, bug fixes, patches, enhanced functionality, plug-ins and new versions of the Mobile App. By installing the Mobile App, you authorize the automatic download and installation of Updates and agree to download and install Updates manually if you do not receive automatic Updates. Your use of the Mobile App and Updates will be governed by this User Agreement (as amended by any terms and conditions that may be provided with Updates). BrightFi reserves the right to temporarily disable or permanently discontinue any and all functionality of the BrightFi Mobile App at any time without notice and with no liability to you.
  5. ELIGIBILITY: You must be at least eighteen (18) years old to use the Services. By agreeing to this User Agreement you represent and warrant to us: (i) that you are at least eighteen (18) years old; (ii) that you have not previously been suspended, removed or deactivated from the Services; (iii) that you are a legal resident of the United States; and (iv) that your registration and your use of the Services is in compliance with any and all applicable laws and regulations.
    a.  Account Creation. In order to use the Services, you must create an account (an “Account”) with BrightFi. You agree that the information you provide with registration and at all other times, will be true, accurate, current, and complete, and that you will always keep this information accurate and up to date. You must be at least 18 years of age to open an Account. You agree not to disclose your Account username or password to anyone else. You must notify us immediately if you believe your password has been compromised.  
    b.  Identity Verification. You hereby authorize BrightFi, directly or through third parties, to make any inquiries we consider necessary to validate your identity and/or authenticate your identity and Account information. c.  Limitations on User Accounts. You may not create more than one (1) Account.  
  7. USE OF BILL PAY FEATURE: The Services we offer include the ability to use our “Bill Pay” feature to pay bills to third parties. You can use this feature through our Mobile App or our Site. This feature is offered by BrightFi through a relationship with a payment processor. When you request that a bill be paid by entering required information about the payment (such as the name of the payee, address, account reference and amount of payment) (the “Payment Information”), you authorize us to complete the requested transaction and our third party processor will debit your debit card immediately for the amount of the requested payment. After this debit occurs, you will not be able to cancel the bill payment request.  The processor then issues a check against your debited funds, which will be sent via U.S. Mail to the payee according to the Payment Information you provided. It may take several days for the check to reach the named payee. Thus, you should request bill payments sufficiently in advance of the due date so the payment will timely reach the payee through the U.S. Mail. You must have sufficient funds in your account to pay requested bill payment at the time you provide Payment Information, otherwise we will not complete the transaction.  BrightFi is not liable for any payment errors caused by your entry of incorrect Payment Information. BrightFi is also not liable for any late charges or other consequences that may occur as a result of a payment arriving past a due date, regardless of when the request for payment was made.
  1. THIRD PARTY SERVICES: The Services, including our website, may contain links to third-party websites. The linked sites are not under our control, and we are not responsible for the contents of any linked site. We provide these links as a convenience only, and a link does not imply our endorsement of, sponsorship of, or affiliation with the linked site. You should make whatever investigation you feel necessary or appropriate before proceeding with any transaction with any of these third parties’ services or websites.
  2. USER CONTENT: BrightFi does not claim ownership of the content that you provide, upload, submit or send to BrightFi through the Services or otherwise. You understand and agree that you are responsible for all material you provide, upload, submit or send to or through the Services. When you provide content to BrightFi through the Services or otherwise, you grant BrightFi (and parties that we work with) a non-exclusive, irrevocable, royalty-free, transferable, and worldwide license to use your content and associated intellectual property and publicity rights in any manner and for any purpose, including to improve the Services and create other products and services. BrightFi will not compensate you for any of your content. You acknowledge that BrightFi’s use of your content will not infringe any intellectual property or publicity rights. Further, you acknowledge and warrant that you own or otherwise control all the rights of the content you provide, and you agree to waive your moral rights and promise not to assert such rights against BrightFi.
  3. FEEDBACK: If you choose to provide input and suggestions regarding problems with or proposed modifications or improvements to the Services (“Feedback”), then you hereby grant BrightFi and its affiliates an unrestricted, perpetual, irrevocable, non-exclusive, fully paid, royalty-free right to use the Feedback in any manner and for any purpose, including to improve the Services and create other products and services.
    (a) breach this User Agreement or any other agreement between you and BrightFi or violate any BrightFi policy related to your Account;
    (b)  access or use any part of the Services for any non-personal, commercial purpose;
    (c)  access or use the Services for any illegal purpose or violate any law, statute, ordinance, or regulation;
    (d)  attempt to gain unauthorized access to any other user’s Account;
    (e)  modify or attempt to modify or in any way tamper with, circumvent, disable, damage or otherwise interfere with the Services;
    (f)  access or use the Services in a way that may infringe upon the intellectual property or other rights of any third party, including, without limitation, trademark, copyright, privacy, or publicity rights;  
    (g)  provide false, inaccurate or misleading information;
    (h)  reverse engineer, decompile, disassemble or otherwise attempt to discover the source code of the Services or any part thereof (including any Mobile App), except and only to the extent that such activity is expressly permitted by applicable law notwithstanding this limitation;
    (i)  modify, adapt, translate or create derivative works based upon the Services or any part thereof, except and only to the extent the foregoing restriction is expressly prohibited by applicable law;
    (j)  copy, distribute, transfer, sell or license all or part of the Services;
    (k)  transfer the Mobile App to, or use the Mobile App on, a device other than the Authorized Device;
    (l)  intentionally interfere with or damage operation of the Services or any user’s enjoyment of it, by any means, including uploading or otherwise disseminating viruses, adware, spyware, worms, or other malicious code;
    (m)  take any action to circumvent, compromise or defeat any security measures implemented in the Services;
    (n)  use the Services to access, copy, transfer, retransmit or transcode information, BrightFi or BrightFi logos, marks, names or designs or any other content in violation of any law or third party rights;
    (o)  remove, obscure, or alter BrightFi or BrightFi (or any third party’s) copyright notices, trademarks, or other proprietary rights notices affixed to or contained within or accessed through the Services;
    (p) deposit any check that has been counterfeited or altered; or;  
    (q) provide your username or login to any person to conduct transactions on your account.
  5. MODIFICATION OF USER AGREEMENT: BrightFi reserves the right, in its sole discretion, at any time to modify, augment, limit, suspend, discontinue or terminate any or all Services without advance notice. BrightFi may, from time to time, modify the User Agreement. Please check this User Agreement periodically for changes. Your continued use of the Services after the changes become effective constitutes your binding acceptance of such changes. In the event that a change to this User Agreement materially modifies your rights or obligations, we will make an effort to notify you of the change, such as by sending you an email to the address we have on file for you, or presenting a pop-up window or other notification to you through the Services when you log in, a message or notification through the Mobile App to your registered device, and we may require that you accept the modified User Agreement in order to continue to use the Services. Immaterial modifications are effective upon publication, and material changes will be effective upon the earlier of (a) continued use of the Services with actual knowledge of the modification, or (b) thirty (30) days following the change. For the avoidance of doubt, disputes arising hereunder will be resolved in accordance with the User Agreement in effect that the time the dispute arose. You can determine when this User Agreement was last revised by referring to the “LAST UPDATED” legend at the top of then-current version of this User Agreement.
  6. TERM: This User Agreement is effective beginning when you accept the User Agreement or first download, install, access, or use the Services, and ends when terminated as described in Termination Section.
    (a)  Termination by BrightFi. Without limiting other remedies, BrightFi may immediately terminate or suspend your access to and/or use of the Services and remove, subject to any regulatory retention requirements, any material from the Services or our servers, if you breach or attempt to breach this User Agreement. Notwithstanding the foregoing, we also reserve the right to terminate, limit or suspend your access to or use of the Services at any time and for any reason or no reason, including: (i) where we determine in our sole discretion that such action is reasonable in order to comply with legal requirements or to protect the rights or interests of BrightFi or any third party, (ii) to mitigate or prevent fraudulent activity associated with BrightFi accounts; or (iii) in connection with any general discontinuation of the Services. We also reserve the right to modify the Services at any time without notice to you. We will have no liability whatsoever on account of any change to the Services or any suspension or revocation of your access to or use of the Services.

    (b)  Termination by You. You may terminate acceptance of this User Agreement at any time by closing your Account whereupon (and without additional notice from BrightFi) any rights granted to you herein will automatically terminate.  
  2. EFECT of TERMINATION: Upon termination of this User Agreement, you understand and acknowledge that we will have no further obligation to provide or allow access to the Services. Upon termination, all licenses and other rights granted to you by this User Agreement will immediately cease. BrightFi is not liable to you or any third party for termination of the Services or termination of your use of the Services. TERMINATION OR SUSPENSION OF THIS USER AGREEMENT OR THE SERVICES FOR ANY REASON (A) MAY RESULT IN THE CLOSURE OF YOUR DEPOSIT ACCOUNT PROVIDED TO YOU BY WEBSTER BANK, N.A. IN ACCORDANCE WITH THE DEPOSIT ACCOUNT AGREEMENT ENTERED INTO BETWEEN YOU AND WEBSTER BANK, N.A. AND (B) WILL RESULT IN YOU NO LONGER HAVING ACCESS TO THE PRODUCTS OR SERVICES OFFERED BY US OR THIRD PARTIES THROUGH THE SERVICES, INCLUDING YOUR DEPOSIT ACCOUNT PROVIDED TO YOU BY WEBSTER BANK, N.A. UPON ANY TERMINATION OR SUSPENSION, ANY INFORMATION THAT YOU HAVE SUBMITTED, UPLOADED OR OTHERWISE MADE AVAILABLE ON, TO OR THROUGH THE SERVICES OR THAT WHICH IS RELATED TO YOUR ACCOUNT MAY NO LONGER BE ACCESSED BY YOU. Furthermore, except as may be required by applicable law or as provided in our Privacy Policy, BrightFi will have no obligation to store or maintain (or delete or destroy) any information stored in our database or to forward any information to you or any third party.
  3. INTELLECTUAL PROPERTY RIGHTS: You hereby acknowledge that BrightFi owns all rights, title and interest in and to the Services and to any and all proprietary and confidential information contained therein (“BrightFi Information”). The Services and BrightFi Information, including visual interfaces, graphics, design, compilation, information, computer code (including source code or object code), products, software, services, look-and-feel, and all other elements of the Services, are protected by applicable intellectual property and other laws, including patent law, copyright law, trade secret law, trademark law, unfair competition law, and any and all other proprietary rights, and any and all applications, renewals, extensions and restorations thereof, now or hereafter in force and effect worldwide.
    (a) BrightFi respects the intellectual property rights of others and expects you to do the same. Accordingly, we will respond to notices of alleged copyright infringement that comply with applicable law. If you believe any materials accessible on or through the Services infringe your copyright, you may request removal of those materials (or access to them) from the Services by submitting written notification to our Copyright Agent (designated below).

    (b) In accordance with the Digital Millennium Copyright Act of 1998, (17 U.S.C. § 512) (“DMCA”) the text of which may be found on the U.S. Copyright Office website at, the written notice (the “DMCA Notice”) must include substantially the following:

    (i)  your full legal name, telephone number, and email address
    (ii)  and physical or electronic signature
    (iii)  identification of the copyrighted work you believe to have been infringed or, if the claim involves multiple works on the Services, a representative list of such works
    (iv)  identification of the material you believe to be infringing in a sufficiently precise manner to allow us to locate that material
    (v)  a statement by that you have a good faith belief that the disputed use has not been authorized by the copyright owner, its agent, or the law
    (vi)  a statement by you made under penalty of perjury, that the information in your notice is accurate, that you are the copyright owner or authorized to act on the copyright owner’s behalf, and
    (vii)  your electronic or physical signature or the electronic or physical signature of the person authorized to act on your behalf. (c) Our designated Copyright Agent to receive DMCA Notice is (d) If you fail to comply with all the requirements of Section 512(c)(3) of the DMCA, your DMCA Notice may not be effective. Please be aware that if you knowingly materially misrepresent that material or activity on the Services is infringing your copyright, you may be held liable for damages (including costs and attorneys’ fees) under Section 512(f) of the DMCA.
  1. INDEMNIFICATION: To the fullest extent permitted by law, you agree to indemnify, defend and hold BrightFi and all of its successors, parents, subsidiaries, affiliates, officers, directors, stockholders, investors, employees, agents, representatives and attorneys and their respective heirs, successors and assigns (collectively, the “Indemnified Parties”), harmless from and against any and all claims, liabilities, losses, damages, costs and expenses, including, without limitation, reasonable attorneys’ fees, incurred by the Indemnified Parties arising out of or relating to (i) your access to, use of or alleged use of the Services; (ii) your violation of this User Agreement or any representation, warranty, or agreements referenced herein, or any applicable law or regulation; (iii) your violation of any third party right, including without limitation any intellectual property right, publicity, confidentiality, property or privacy right; or (iv) any disputes or issues between you and any third party. We reserve the right, at our own expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, and in such case, you agree to cooperate with our defense of such claim. You shall cooperate as fully as reasonably required in the defense of any such claim. BrightFi reserves the right, at its own expense, to assume the exclusive defense and control of any matter subject to indemnification by you. You agree not to settle any matter subject to indemnification by you without our prior written consent.
  1. DISCLAIMERS; NO WARRANTIES: THE SERVICES ARE PROVIDED “AS IS” AND “AS AVAILABLE”. EXCEPT AS REQUIRED BY LAW, BRIGHTFI DISCLAIMS ALL WARRANTIES AND REPRESENTATIONS OF ANY KIND REGARDING THE SERVICES, WHETHER EXPRESS, IMPLIED OR STATUTORY, INCLUDING BUT NOT LIMITED TO ANY IMPLIED WARRANTIES OF MERCHANTABILITY, ACCURACY, QUIET ENJOYMENT, NON-INFRINGEMENT OF THIRD PARTY RIGHTS, FREEDOM FROM VIRUSES OR OTHER HARMFUL CODE, FITNESS FOR ANY PARTICULAR PURPOSE, OR ANY WARRANTY ARISING OUT OF COURSE OF DEALING, USAGE OR TRADE. Specifically, but without limitation, BrightFi does not warrant that: (1) the information provided in, or that may be obtained from use of, the services will meet your requirements or be correct, accurate, up-to-date, or reliable; (2) the Services will be uninterrupted or error-free; (3) the quality of any products, services, information or other material purchased by or obtained by you through the services will meet your expectations; or (4) any errors in the technology will be corrected. You assume all risk for all damages, including damage to your computer system, mobile device or loss of data that may result from your use of or access to the service. You hereby acknowledge that use of the Services is at your sole risk.
  2. LIMITATION OF LIABILITY: To the maximum extent permitted by applicable law, neither the indemnified parties nor any other party involved in creating, producing, operating or delivering the Services will be liable for any incidental, special, consequential or punitive damages, whether based on warranty, contract, tort (including negligence), statute or any other legal theory, whether or not the indemnified parties have been informed of the possibility of such damage where such damages result from: (i) your access to or use of, or inability to access or use, the Services, or (ii) any purchase of a third party product or service based on information contained in the  Services, including the availability of a coupon. You specifically acknowledge that the indemnified parties are not liable for the defamatory, offensive or illegal conduct of other users or third parties and that the risk of injury from the foregoing rests entirely with you. Further, the indemnified parties will have no liability to you or to any third party for any third-party content uploaded onto or downloaded from the Site or through the Service. Some jurisdictions do not allow the limitation or exclusion of liability in certain circumstances. Accordingly, some of the above limitations may not apply to you. Each provision of this User Agreement that provides for a limitation of liability, disclaimer of warranties, or exclusion of damages is intended to and does allocate the risks between the parties under this User Agreement. This allocation is an essential element of the basis of the bargain between the parties. Each provision providing for limitation of liability, disclaimer of warranties, or exclusion of damages is severable and independent of all other provisions of this User Agreement. The limitations in this section entitled “limitation of liability” will apply even if any limited remedy fails of its essential purpose.
  3. DISPUTE RESOLUTION - ARBITRATION: At your or our request, a dispute concerning this User Agreement will be decided by arbitration under the consumer arbitration rules of the American Arbitration Association for consumer accounts. Arbitration involves the review and resolution of the dispute by a neutral party. If either you or we choose arbitration, neither you nor we will have the right to litigate that claim in court or to have a jury trial on that claim. In addition, you will not have the right to participate as a representative or member of any class of claimants pertaining to any dispute subject to arbitration. The arbitrator’s decision generally will be final and binding.


    Any arbitration hearing that you attend will take place in the federal judicial district where you reside. This arbitration provision shall survive closure of your account or termination of all business with us.  
  4. GENERAL: This User Agreement, Electronic Communication Agreement and any other agreements expressly incorporated by reference herein, constitute the entire and exclusive understanding and agreement between you and BrightFi regarding your use of and access to the Services. You may not assign or transfer this User Agreement or your rights hereunder, in whole or in part, by operation of law or otherwise, without our prior written consent. We may assign this User Agreement or any of our rights or obligations under this User Agreement at any time without notice, subject to applicable law. The failure to require performance of any provision shall not affect our right to require performance at any time thereafter, nor shall a waiver of any breach or default of this User Agreement constitute a waiver of any subsequent breach or default or a waiver of the provision itself. Use of paragraph headers in this User Agreement is for convenience only and shall not have any impact on the interpretation of particular provisions. If any part of this User Agreement is held to be invalid or unenforceable, the unenforceable part shall be given effect to the greatest extent possible and the remaining parts will remain in full force and effect.
  5. SURVIVAL: In the event of termination of this User Agreement or the Services, the terms in this User Agreement that by their nature are continuing shall survive such termination, including but not limited to the indemnification and hold harmless obligations, disclaimers and limitations of liabilities, and the arbitration provision.
  6. CONTACT INFORMATION: If you have any questions regarding BrightFi, your Account, the Services, or this User Agreement please email us at
BrightFi is currently pausing new account openings. If you have any questions, please reach out to the MyBrightFi customer support team by calling 1-888-627-5407.