Privacy Policy

1. Introduction

Bright Operation Inc ("Bright," "we," "us," or "our") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website at brightproc.com (the "Site") or engage our mortgage loan processing services (the "Services").

By using our Site or Services, you agree to the terms of this Privacy Policy. If you do not agree, please do not use the Site or Services.

2. Information We Collect

Information You Provide

• Contact information (name, email address, phone number)
• Business information (company name, NMLS number, monthly loan volume)
• Messages or inquiries submitted through our contact forms
• Any other information you voluntarily provide to us

Information Collected Automatically

• Device and browser information (type, version, operating system)
• IP address and approximate geographic location
• Pages visited, time spent, and referring URLs
• Cookies and similar tracking technologies

3. How We Use Your Information

We use the information we collect to:

• Respond to your inquiries and provide customer support
• Deliver our mortgage loan processing services
• Send you information about our services that may be of interest to you
• Improve our Site, Services, and user experience
• Comply with legal obligations and protect our rights
• Detect and prevent fraud or other harmful activities

4. How We Share Your Information

We do not sell your personal information. We may share your information in the following circumstances:

• Service Providers: Third-party vendors who assist us in operating our business (e.g., hosting, analytics, email delivery)
• Mortgage Lenders: When required to process loan files on your behalf as part of our Services
• Legal Requirements: When required by law, regulation, legal process, or governmental request
• Business Transfers: In connection with a merger, acquisition, or sale of assets

5. Data Security

We implement reasonable administrative, technical, and physical security measures to protect your personal information. However, no method of transmission over the internet or electronic storage is 100% secure. We cannot guarantee absolute security but are committed to maintaining industry-standard protections.

6. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes described in this Privacy Policy, comply with legal obligations, resolve disputes, and enforce our agreements. Contact form submissions are retained for a reasonable period to follow up on business inquiries.

7. Telephone Consumer Protection Act (TCPA) & Messaging Consent

When you provide your phone number through any form on our Site and check the consent box, you are giving Bright Operation Inc express written consent to contact you at that number by phone call, text message (SMS/MMS), or pre-recorded/artificial voice message, including through the use of an automatic telephone dialing system (autodialer).

Key Points

• Consent is not required as a condition of purchasing any goods or services from Bright Operation Inc.
• Message frequency varies based on your inquiry and our follow-up communications. Typically 1–5 messages per interaction.
• Message and data rates may apply depending on your mobile carrier and plan.
• Opt-out: You may revoke consent at any time by replying STOP to any text message or by contacting us at info@brightproc.com.
• Help: Reply HELP to any text message for assistance, or contact us directly.

How We Use Your Phone Number

Phone numbers collected through our forms are used solely for the purpose of responding to your inquiry, scheduling consultations, and communicating about our mortgage processing services. We do not sell, rent, or share your phone number with third parties for marketing purposes.

Supported Carriers

Our messaging services are compatible with all major U.S. carriers. Carriers are not liable for delayed or undelivered messages.

8. Cookies and Tracking

Our Site may use cookies and similar technologies to enhance your browsing experience, analyze site traffic, and understand user behavior. You can control cookie preferences through your browser settings. Disabling cookies may affect your ability to use certain features of the Site.

9. Third-Party Links

Our Site may contain links to third-party websites. We are not responsible for the privacy practices or content of those sites. We encourage you to review the privacy policies of any third-party sites you visit.

10. Your Rights

Depending on your jurisdiction, you may have the right to:

• Access, correct, or delete your personal information
• Opt out of marketing communications
• Request a copy of the data we hold about you
• Withdraw consent where processing is based on consent

To exercise any of these rights, please contact us using the information below.

11. Children's Privacy

Our Site and Services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children. If we become aware that we have collected information from a child, we will take steps to delete it promptly.

12. Changes to This Policy

We may update this Privacy Policy from time to time. Changes will be posted on this page with an updated "Last updated" date. Your continued use of the Site or Services after changes are posted constitutes acceptance of the revised policy.

13. Contact Us

If you have questions about this Privacy Policy or our data practices, please contact us at: