The rules that govern your use of the Budget Saving Bright website and the services we provide.
Last updated: September 2026
These Terms and Conditions ("Terms") form a legally binding agreement between you and Budget Saving Bright, 56 Richardson Hwy, Valdez, AK 99686, USA ("we", "us", "our"). By accessing budgetsavingbright.com, submitting a form or engaging our services, you agree to be bound by these Terms together with our Privacy Policy. If you do not accept these Terms, please stop using the website.
You must be at least 18 years old and legally capable of entering into binding contracts to use our services or submit an application. By submitting information, you confirm that all details you provide are true, accurate, current and complete, and that you will update them if they change. Providing false or misleading information may result in refusal of service and may constitute fraud.
Budget Saving Bright provides financial information, loan and mortgage broking assistance, investment planning, tax advisory and insurance broking services. Content published on this website — including blog articles, guides and calculators — is general information only. It does not take into account your personal objectives, financial situation or needs and must not be relied upon as personalised financial, tax, legal or investment advice.
A client relationship is created only when we and you have both signed a written engagement agreement that sets out the scope of work, responsibilities and fees. Until then, no advisory relationship, fiduciary duty or obligation to act exists between us.
All loan amounts, interest rates, terms and approval timelines shown on this website are indicative examples and are subject to change without notice. Any credit facility is subject to the lender's own assessment, underwriting criteria, verification of documents and applicable law. We do not lend money ourselves and we do not guarantee approval, a particular interest rate or a specific completion date.
Insurance quotations depend on the accuracy of the information you provide and on the insurer's own underwriting and acceptance rules. Coverage begins only when the insurer confirms it in writing and any required premium has been paid. Always read the policy schedule and product disclosure documents carefully before accepting cover.
Investments carry risk, including the possible loss of the capital you invest. Past performance is not a reliable indicator of future results.
Where we charge a fee, the amount, basis and timing of payment will be disclosed to you in writing before work begins. Brokerage or commission arrangements with lenders, insurers or product providers will also be disclosed. We will never deduct an undisclosed charge from your funds, and any third-party government or statutory fees are payable in addition to our own charges.
When you subscribe to our newsletter you consent to receive periodic marketing emails from us. You may unsubscribe at any time using the link in the footer of every email, or through our unsubscribe page. We process unsubscribe requests promptly and will not send further marketing messages once your request has been confirmed, although service-related messages about an active engagement may still be sent.
All content on this website — including text, graphics, logos, illustrations, page layouts, icons and software — is owned by or licensed to Budget Saving Bright and is protected by United States and international copyright and trademark laws. You may not reproduce, republish, distribute, sell or create derivative works from any part of the website without our prior written permission. "Budget Saving Bright" and the associated logo are our trademarks.
You agree not to use this website or our services to:
This website may contain links to third-party websites, rate tables, calculators or documents. Those resources are provided for convenience only. We do not control them and are not responsible for their content, accuracy, availability or privacy practices. Accessing third-party sites is at your own risk and subject to their terms.
The website and all content are provided on an "as is" and "as available" basis without warranties of any kind, whether express, implied or statutory, including implied warranties of merchantability, fitness for a particular purpose and non-infringement. We do not warrant that the site will be uninterrupted, error-free, secure or free of viruses, or that any information it contains is complete or up to date.
To the maximum extent permitted by law, Budget Saving Bright, its officers, employees, advisers and agents shall not be liable for any indirect, incidental, special, consequential, exemplary or punitive damages — including lost profits, lost savings, lost data or business interruption — arising out of or connected with your use of this website or reliance on its content, even if we have been advised of the possibility of such damages. Our total aggregate liability for any claim relating to the website shall not exceed one hundred US dollars (US$100).
You agree to indemnify and hold harmless Budget Saving Bright and its personnel against any claims, liabilities, damages, losses, costs and reasonable legal fees arising from your breach of these Terms, your misuse of the website, your violation of any law, or your infringement of the rights of any third party.
These Terms are governed by the laws of the State of Alaska, United States, without regard to conflict-of-law principles. You irrevocably submit to the exclusive jurisdiction of the state and federal courts located in Alaska for the resolution of any dispute arising from these Terms or your use of the website. Before commencing formal proceedings, both parties agree to attempt to resolve the matter in good faith through written notice and a 30-day negotiation period.
We may revise these Terms at any time by posting an updated version on this page. Changes take effect when posted and your continued use of the website constitutes acceptance. If any provision is found unenforceable, the remaining provisions stay in full force.
Questions about these Terms can be sent to: