Terms of Service

Description of Services

Brightpath Ascend Group Personal Solutions provides federal consumer protection advocacy under the Fair Credit Reporting Act (FCRA), 15 U.S.C. § 1681 et seq. Our services include forensic credit report analysis, strategic dispute preparation and submission via certified mail, compliance monitoring, and escalation to regulatory agencies and co-counsel when warranted. BAG is not a law firm and does not provide legal advice. Cases requiring formal legal action are referred to licensed attorneys in our co-counsel network.

Eligibility

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

Account Registration and Security

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

Fees and Payment

BAG charges fees for dispute representation services as outlined in your individual service agreement. Fees are earned when dispute correspondence is prepared and mailed on your behalf — not based on promises of results. All fees will be clearly disclosed before any work begins.

Intellectual Property

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

Limitation of Liability

BAG does not guarantee specific outcomes, credit score improvements, or the removal of any particular item from your credit report. Results vary based on individual circumstances, bureau responses, and creditor compliance. BAG’s services are provided “as is” and “as available.”

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

Dispute Resolution

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

Termination

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

Contact Information

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