Terms of Use

Last updated: 1st July 2024

These Terms of Use ("Terms") govern your access to and use of the website located at brightquestpulse337.com (the "Site"), operated by Universal Reach Marketing Agency LLC FZ, doing business as "BrightQuest Pulse" ("we", "us", or "our"). By accessing or using the Site, you agree to be bound by these Terms. If you do not agree, please do not use the Site.

1. Use of the Site

You agree to use the Site only for lawful purposes and in a manner consistent with all applicable local, state, national, and international laws and regulations. You must be at least 18 years of age to submit information through the Site.

2. Information You Submit

By submitting information through the Site, you represent that the information you provide is accurate, complete, and your own (or that you are authorized to provide it). You also acknowledge that we may share your information with our network of licensed reverse-mortgage specialists and partner lenders for the purpose of responding to your inquiry, as further described in our Privacy Policy.

3. Consent to Be Contacted

By submitting your contact information through the Site, you expressly consent to be contacted at the phone number and email address you provided — including by autodialed calls, pre-recorded voice messages, and SMS text messages — by BrightQuest Pulse and its lender and service-provider partners regarding your inquiry, even if your number is on a federal or state Do Not Call list. Consent to be contacted is not a condition of any purchase. Standard message and data rates may apply.

4. Not a Lender; No Financial Advice

BrightQuest Pulse is not a lender, mortgage broker, or financial advisor. We do not make loans, originate mortgages, or guarantee approval for any loan product. We do not offer legal, tax, or financial advice. You should consult a licensed financial advisor, tax professional, and/or attorney before making any financial decision.

5. No Government Affiliation

BrightQuest Pulse is a private company and is not a government agency. We are not affiliated with the U.S. Department of Housing and Urban Development (HUD), the Federal Housing Administration (FHA), the Department of Veterans Affairs (VA), Fannie Mae, Ginnie Mae, or any other government agency or entity.

6. Intellectual Property

All content on the Site — including text, graphics, logos, icons, images, and software — is the property of BrightQuest Pulse or its licensors and is protected by copyright and other intellectual property laws. You may not reproduce, distribute, modify, or create derivative works from any content on the Site without our prior written permission.

7. Third-Party Links

The Site may contain links to third-party websites. We do not control and are not responsible for the content, privacy policies, or practices of any third-party websites. Your use of any third-party website is at your own risk.

8. Disclaimer of Warranties

The Site and its content are provided "as is" and "as available" without warranties of any kind, either express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, or non-infringement. We do not warrant that the Site will be uninterrupted, error-free, or free of harmful components.

9. Limitation of Liability

To the maximum extent permitted by law, in no event shall BrightQuest Pulse, its affiliates, directors, employees, or agents be liable for any indirect, incidental, special, consequential, or punitive damages, including without limitation loss of profits, data, or goodwill, arising out of or in connection with your use of the Site.

10. Indemnification

You agree to indemnify, defend, and hold harmless BrightQuest Pulse and its affiliates from and against any and all claims, liabilities, damages, losses, and expenses (including reasonable legal fees) arising out of or related to your use of the Site or your violation of these Terms.

11. Changes to These Terms

We may revise these Terms from time to time. The most current version will always be posted on the Site. By continuing to access or use the Site after revisions become effective, you agree to be bound by the revised Terms.

12. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the United Arab Emirates, without regard to its conflict-of-law provisions. Any dispute arising from these Terms or your use of the Site shall be subject to the exclusive jurisdiction of the courts of the United Arab Emirates.

13. Contact Us

If you have any questions about these Terms, please contact us at:

Universal Reach Marketing Agency LLC FZ (DBA "BrightQuest Pulse")
Meydan Grandstand, 6th floor, Meydan Road
Nad Al Sheba, Dubai, U.A.E.
Email: [email protected]