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Client Agreement
At Bright Harbor Recovery, Inc. ("Bright Harbor," "we," "us," or "our"), we are committed to providing exceptional support as communities and individuals recover from disaster. This Client Agreement outlines the terms and conditions governing access to and use of our services, platform, software, features, communications, and any other assistance we provide (collectively, the "Bright Harbor Service").
This Agreement applies to every individual who accesses or uses any part of the Bright Harbor Service, including Survivors, residents, employees or representatives of sponsoring organizations, government personnel, contractors, consultants, service providers, advisors, and other authorized users ("you" or "User").
By creating an account, accepting an invitation, accessing, or using any part of the Bright Harbor Service, you acknowledge that you have read, understood, and agree to be bound by this Agreement and our Privacy Policy. If you do not agree, do not access or use the Bright Harbor Service.
1. Scope of Services
Bright Harbor provides disaster recovery support services to individuals and organizations affected by natural disasters. Our services may include access to disaster recovery resources, software tools, case management capabilities, recovery guidance, and assistance locating and managing resources essential for recovery. We may, at your request or as part of a sponsored program, introduce you to third-party professionals for services requiring licensure or specialized expertise. Such referrals are for convenience only; Bright Harbor does not endorse, warrant, or guarantee the services of any third party.
2. No Licensed Advice
We are not a general contractor, insurance broker, adjuster, public adjuster, lawyer, medical provider, or other licensed professional unless expressly stated otherwise in writing. We do not provide legal, medical, or adjusting services, and we will never negotiate insurance claims or offer legal or medical advice. By using our services, you acknowledge and agree to these limitations.
All information provided by Bright Harbor is for general informational purposes only and should not be construed as professional advice. We do not review information for legal or medical accuracy, draw legal or medical conclusions, or apply the law to the facts of your situation.
3. Account Registration and Security
To access certain services, you must create an account or receive authorized access. You warrant that all information provided is true, accurate, and complete to the best of your knowledge, and you agree to promptly update any changes.
Your access is personal to you and limited to the purpose for which Bright Harbor or the organization sponsoring or authorizing your access granted it. If you access the Bright Harbor Service on behalf of a government agency, employer, sponsor, contractor, or other organization, you may use the Bright Harbor Service only within the scope of your authorization and for that organization’s authorized activities. Acceptance of this Agreement is required for each individual account and each grant of access, including access provisioned by or through a Sponsor.
You are responsible for maintaining the confidentiality of your account credentials and for all activities under your account. You may not share credentials, allow another person to use your account, or attempt to obtain access beyond the permissions assigned to you. You must notify Bright Harbor immediately of any unauthorized access, use, or security incident. Bright Harbor is not liable for losses resulting from unauthorized use unless due to our gross negligence.
4. Fees, Plans, Refunds, and Service Modifications
Bright Harbor may offer multiple plan options, including paid plans and sponsored access. For paid consumer plans, applicable features, pricing, services, refund terms, and resources will be communicated in writing or made available at enrollment and may be updated from time to time.
If you require additional services beyond your plan, they may be subject to additional fees at our then- current rates. Bright Harbor reserves the right to modify, suspend, or discontinue aspects of the services or fee structure with any notice required by applicable law or an applicable written agreement. Changes will apply prospectively.
For paid consumer plans, Bright Harbor will provide any notice of changes to services or the fee structure required by applicable law or an applicable written agreement.
5. Sponsored Programs
If you access the Bright Harbor Service through a program sponsored by a government agency or other organization (a "Sponsor"), the Sponsor’s agreement with Bright Harbor governs the sponsored program, including program scope, data rights, security obligations, and available features, and controls over this Agreement wherever the two conflict with respect to the sponsored program.
You owe Bright Harbor nothing for services provided to you under a sponsored program unless you separately elect to purchase services directly from Bright Harbor. Any agreement between Bright Harbor and a Sponsor is solely between Bright Harbor and that Sponsor; your rights regarding the Bright Harbor Service arise from this Agreement and applicable law, and you are not a third-party beneficiary of, and may not enforce, an agreement between Bright Harbor and a Sponsor.
Your status as an employee, contractor, agent, representative, service provider, advisor, or other authorized user of a Sponsor does not expand your rights in the Bright Harbor Service or Bright Harbor’s intellectual property beyond the access expressly provided to you.
Your obligations under Sections 9, 10, and 11 are personal to you, are not obligations of any Sponsor, and apply to your individual access and use of the Bright Harbor Service regardless of the terms of any agreement between Bright Harbor and a Sponsor.
6. Use of Artificial Intelligence and Large Language Models
Bright Harbor uses artificial intelligence, including large language models, to assist with certain tasks, such as summarizing information, generating communications, and supporting recovery processes. AI outputs may contain errors or omissions and are designed to support, not replace, human judgment. Do not rely solely on AI-generated outputs for important decisions; confirm important information with your advisor or the relevant agency or professional.
7. Client and User Responsibilities
You agree to provide accurate and complete information as required by Bright Harbor and to promptly communicate material changes in your situation, role, authorization, or needs. You acknowledge that Bright Harbor’s ability to provide services depends on the accuracy and completeness of information provided to us.
If you are accessing the Bright Harbor Service on behalf of another organization, you represent that you are authorized to do so and agree to comply with all restrictions applicable to that access.
8. Third-Party Relationships and Disclaimers
Bright Harbor may receive compensation from third-party vendors who use our platform and perform work on behalf of Survivors or sponsoring organizations. Our introduction of third-party vendors does not constitute an endorsement, warranty, or guarantee of their services. Any issues or disputes with third-party vendors must be resolved directly with the vendor. Bright Harbor is not responsible for the quality, reliability, or outcome of services provided by third parties.
9. Acceptable Use and Prohibited Conduct
You may access and use the Bright Harbor Service only for the purposes for which access was provided to you. If you access the Bright Harbor Service on behalf of a Sponsor, government agency, employer, contractor, or other organization, your access is limited to performing authorized activities for that organization.
You may not, directly or indirectly, and may not assist, enable, or permit another person or entity to:
(a) reverse engineer, decompile, disassemble, decode, translate, or otherwise attempt to derive or discover the source code, object code, underlying structure, ideas, models, algorithms, methods, techniques, architecture, or technology of the Bright Harbor Service;
(b) copy, reproduce, modify, adapt, translate, create derivative works from, imitate, or replicate the Bright Harbor Service or any of its software, features, functionality, workflows, interfaces, designs, documentation, content, processes, or other elements;
(c) access or use the Bright Harbor Service to build, develop, design, improve, train, test, validate, evaluate, benchmark, market, sell, support, or provide any product or service that competes with Bright Harbor or is substantially similar to any material part of the Bright Harbor Service;
(d) access or use the Bright Harbor Service, or any non-public information learned through such access, for the benefit of a competitor of Bright Harbor, except solely to perform authorized services for the organization that granted or sponsored your access and without using that access for competitive development, evaluation, benchmarking, or commercial purposes;
(e) observe, study, document, capture, record, photograph, reproduce, or analyze non-public features, workflows, interfaces, functionality, business methods, or other elements of the Bright Harbor Service for competitive intelligence or for use outside the authorized purpose of your access;
(f) scrape, crawl, extract, harvest, download in bulk, systematically collect, or use bots, scripts, automated tools, artificial intelligence systems, or other automated means to access or obtain data, content, outputs, functionality, or information from the Bright Harbor Service except as expressly authorized in writing by Bright Harbor;
(g) use any data, content, output, documentation, screenshots, recordings, or other information obtained from the Bright Harbor Service to train, fine-tune, evaluate, benchmark, or develop any machine learning, artificial intelligence, software, or data product except as expressly authorized in writing by Bright Harbor;
(h) rent, lease, sell, sublicense, distribute, transfer, assign, disclose, commercially exploit, or otherwise make the Bright Harbor Service or your access to it available to any unauthorized third party;
(i) share credentials, circumvent or attempt to circumvent access controls, security measures, usage restrictions, or technical limitations, or access data, accounts, systems, or functionality you are not authorized to access;
(j) remove, obscure, or alter proprietary notices, attribution, trademarks, copyright notices, or other rights notices;
(k) use the Bright Harbor Service to infringe, misappropriate, or violate Bright Harbor’s or any third party’s intellectual property, privacy, confidentiality, contractual, or other rights; or
(l) use the Bright Harbor Service for unlawful, fraudulent, malicious, deceptive, or abusive activity, to interfere with service integrity or security, or to transmit malicious code.
The restrictions in this Section apply regardless of whether your access was provided directly by Bright Harbor or through a Sponsor, government agency, employer, contractor, partner, or other third party. Authorization to access the Bright Harbor Service does not authorize competitive use, copying, reverse engineering, benchmarking, extraction, or use outside the purpose for which access was granted.
Nothing in subsections (e), (f), or (g) restricts a Sponsor’s exercise of data export, audit, security review, or service-verification rights expressly granted in an applicable Sponsor agreement, or your performance of those activities on the Sponsor’s behalf, provided that such activities are conducted solely for the Sponsor’s authorized purposes and not for competitive development, evaluation, benchmarking, or the benefit of any competitor of Bright Harbor.
Bright Harbor may investigate suspected violations and may immediately restrict, suspend, or terminate access when we reasonably believe this Section has been violated or when necessary to protect the Bright Harbor Service, our users, our intellectual property, or confidential information. We may preserve relevant records and cooperate with Sponsors, law enforcement, regulators, or other appropriate parties as permitted by law.
10. Intellectual Property and Proprietary Rights
Bright Harbor and its licensors retain all right, title, and interest in and to the Bright Harbor Service and all related intellectual property and proprietary rights, including all software, technology, models, algorithms, methods, processes, know-how, features, functionality, workflows, interfaces, designs, documentation, content, improvements, modifications, and derivative works.
Except for the limited, revocable, non-exclusive, non-transferable right to access and use the Bright Harbor Service for its authorized purpose under this Agreement, no right, title, license, or interest in or to the Bright Harbor Service or Bright Harbor intellectual property is granted to you, whether expressly, by implication, estoppel, or otherwise.
You may not use Bright Harbor’s names, trademarks, service marks, logos, content, documentation, screenshots, or other proprietary materials except as expressly authorized by Bright Harbor in writing.
Nothing in this Agreement prevents you from using general knowledge, skills, or experience retained in unaided memory, provided that you do not use or disclose Bright Harbor Confidential Information, infringe Bright Harbor intellectual property, or violate the restrictions in Section 9.
11. Confidentiality
All non-public information regarding the Bright Harbor Service that you receive, observe, or access through your use of the Bright Harbor Service, including non-public information concerning its software, technology, models, algorithms, features, functionality, workflows, interfaces, designs, processes, security, product plans, documentation, pricing, operations, and business methods, constitutes "Bright Harbor Confidential Information" if it is designated confidential or reasonably should be understood to be confidential given its nature or the circumstances of disclosure.
You will protect Bright Harbor Confidential Information using at least reasonable care, will use it solely for the authorized purpose of your access, and will not disclose it to any person or entity except as expressly authorized by Bright Harbor or as required by law. If disclosure is legally required, you will, to the extent legally permitted, provide Bright Harbor prompt notice and reasonable cooperation so that Bright Harbor may seek confidential treatment or other protection.
Bright Harbor Confidential Information does not include information that you can demonstrate: (a) became publicly available through no breach of this Agreement; (b) was lawfully known to you without confidentiality obligations before you received it through the Bright Harbor Service; (c) was lawfully received from a third party without confidentiality obligations; or (d) was independently developed without use of or reference to Bright Harbor Confidential Information.
Your obligations under this Section survive termination of your access and this Agreement.
12. Limitation of Liability
To the maximum extent permitted by law, Bright Harbor and its affiliates, officers, employees, and agents shall not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, including loss of data, income, profits, use, or goodwill; actions, errors, or omissions by third parties; costs of repair, reconstruction, or restoration; losses arising from insurance claims, compensation requests, funding decisions, or recovery efforts; or other losses arising from or related to your use of the Bright Harbor Service, even if advised of the possibility of such damages.
You acknowledge that you are responsible for pursuing and obtaining appropriate compensation, insurance claims, professional advice, and other relief related to your disaster recovery. In no event shall Bright Harbor’s total aggregate liability for all claims arising out of or relating to the Bright Harbor Service exceed the greater of (i) $500 or (ii) the total amount paid by you directly to Bright Harbor for the services in the twelve (12) months preceding the event giving rise to the claim. This limitation does not apply to liability for Bright Harbor’s fraud or willful misconduct or where prohibited by law.
13. Indemnification
To the maximum extent permitted by applicable law, you agree to indemnify, defend, and hold harmless Bright Harbor and its affiliates, officers, directors, agents, and employees from claims, liabilities, damages, losses, and expenses, including reasonable attorneys’ fees, arising out of or connected with: (a) your access to or use of the Bright Harbor Service; (b) your violation of this Agreement; (c) your unauthorized use, disclosure, copying, extraction, or exploitation of the Bright Harbor Service or Bright Harbor Confidential Information; or (d) your infringement, misappropriation, or violation of Bright Harbor’s or any third party’s intellectual property or other rights.
This Section applies only to the extent enforceable under applicable law and does not create an indemnification obligation for an individual acting solely in a personal consumer capacity where such an obligation is prohibited by law.
This Section does not apply to an employee or official of a government Sponsor acting within the scope of their official duties. It applies in full to contractors, consultants, service providers, and other third parties granted access by or through a Sponsor.
14. Privacy and Data Protection
Bright Harbor is committed to protecting personal information in accordance with applicable laws and regulations. Our data collection and usage practices are governed by our Privacy Policy, which is incorporated by reference into this Agreement. By using our services, you consent to the collection, use, storage, and processing of information as described in our Privacy Policy and, for sponsored programs, subject to the applicable Sponsor agreement.
15. Modification of Terms
Bright Harbor may modify this Agreement from time to time. Updated terms are effective when posted or on the effective date stated in the updated Agreement. We will provide any additional notice of material changes required by applicable law. Changes apply prospectively only and do not apply to conduct occurring before their effective date.
As a condition of accessing the Bright Harbor Service, you may be required to acknowledge and agree to the then-current version of this Agreement. Your acceptance of the then-current Agreement governs your access to and use of the Bright Harbor Service from the time of acceptance.
16. Governing Law and Dispute Resolution
This Agreement is governed by and construed in accordance with the laws of the State of Texas, without regard to conflict of law provisions. Any disputes arising under or in connection with this Agreement shall be resolved through binding arbitration in Austin, Texas, in accordance with the expedited rules of the American Arbitration Association. You may opt out of arbitration by sending written notice to Bright Harbor within 30 days of your first acceptance of this Agreement, including your name, address, and aclear statement of your intent to opt out.
If applicable law requires arbitration to be conducted in the state of your residence, arbitration shall be conducted in the county (or parish) where you reside when the claim is filed.
To the fullest extent permitted by applicable law, you and Bright Harbor agree that disputes will be resolved on an individual basis only and not as a plaintiff or class member in any class, collective, consolidated, or representative proceeding. You and Bright Harbor waive any right to a jury trial or to participate in a class action or representative proceeding to the extent permitted by law.
If the class action waiver is found unenforceable, the arbitration provision shall be null and void as to that dispute, and the dispute must be brought exclusively in the state or federal courts located in Travis County, Texas, except where applicable law requires otherwise. The arbitration and class action waiver provisions survive termination of this Agreement.
Nothing in this Section prevents either party from seeking injunctive or other equitable relief in a court of competent jurisdiction to protect intellectual property, confidential information, or trade secrets.
This Section does not apply to an employee or official of a government Sponsor acting within the scope of their official duties; disputes with such individuals are subject to the governing law and dispute resolution terms of the applicable Sponsor agreement or applicable law. This Section applies in full to contractors, consultants, service providers, and other third parties granted access by or through a Sponsor.
17. Termination and Suspension
Either party may terminate this Agreement as permitted by an applicable plan or sponsored program. Upon termination, your right to use the Bright Harbor Service will cease at the end of any applicable notice period, and outstanding fees will become due.
Bright Harbor may immediately suspend, restrict, or terminate your access upon notice, or without prior notice where reasonably necessary, if you breach Sections 3, 9, 10, or 11; create a security, legal, intellectual property, confidentiality, or competitive-use risk; use the Bright Harbor Service outside the scope of your authorization; or engage in conduct that could harm Bright Harbor, a Sponsor, another user, or the Bright Harbor Service.
Termination or suspension does not limit any rights or remedies arising from conduct occurring before termination. Sections 9, 10, 11, 12, 13, 16, and any other provisions that by their nature should survive will survive termination.
18. Miscellaneous
Entire Agreement. This Agreement, together with the Privacy Policy and any other documents expressly incorporated by reference, constitutes the entire agreement between you and Bright Harbor concerning your access to and use of the Bright Harbor Service, subject to Section 5 for sponsored programs. Severability. If any provision is found invalid or unenforceable, the remainder remains in effect, and the invalid provision will be enforced to the maximum extent permitted by law.
Assignment. You may not assign or transfer your rights or obligations under this Agreement without Bright Harbor’s prior written consent. Bright Harbor may assign this Agreement in connection with a merger, acquisition, corporate reorganization, financing, or sale of assets.
No Waiver. Bright Harbor’s failure to enforce a provision in one instance does not waive its right to enforce that provision later.
Electronic Communications. You consent to receive communications electronically, and such communications satisfy legal requirements for written notice to the extent permitted by law.
19. User Acknowledgment and Acceptance
By creating an account, accepting an invitation, signing in to, accessing, or using the Bright Harbor Service, and whenever you are presented with an acknowledgment of this Agreement, you affirmatively acknowledge that you have read, understood, and agree to the then-current version of this Agreement and our Privacy Policy.
If you access the Bright Harbor Service on behalf of a Sponsor, employer, government agency, contractor, or other organization, you further acknowledge that your access is limited to the authorized purpose for which it was provided and remains subject to the intellectual property, confidentiality, and prohibited-use restrictions in this Agreement.
Last updated 9/18/2026.