Brigit (Bridge IT, Inc.; Upbound Group subsidiary)

Brigit agreed in November 2023 to pay $18 million in consumer refunds to settle FTC charges that it advertised 'instant' $250 advances most users never got, charged for 'free' instant transfers, and trapped people paying $9.99/month by refusing cancellation while an advance was open (FTC Act and ROSCA; settlement, not a liability finding). Rent-to-own operator Upbound Group (Rent-A-Center/Acima) bought Brigit in January 2025, and Brigit's privacy notice now lists Rent-A-Center and Acima entities as affiliates that can receive creditworthiness data and market to users unless they opt out. In June 2026 the Minnesota Attorney General sued Brigit, alleging its advances exceed Minnesota's 50% APR cap on short-term consumer loans.

• Severity
• Evidence tierUnassigned
• Claims confirmed
• Last verified2026-10-16

Primary source. ftc.gov/news-events/news/press-releases/2023/11/ftc-action-leads-18-million-refunds-brigit-consumers-harmed-deceptive-promises-about-cash-advances — Unverified - heuristic first draft.

Arbitration

Yes - Terms (rev. Mar. 31, 2026) §20-21: binding JAMS arbitration (Streamlined Rules), individual-basis only, no class/representative/private-attorney-general suits; small-claims carve-out; carve-out for Military Lending Act covered borrowers. A federal court denied Brigit's motion to compel arbitration in Feeman (on appeal).

Data sharing

Privacy policy (July 16, 2025) lists Upbound Group, Rent-A-Center and Acima entities as 'Affiliates'; GLBA table says Brigit shares creditworthiness information with affiliates (user can limit) and lets affiliates market to users (user can limit). Brigit says it does not sell personal information under CCPA and does not share with nonaffiliates for their marketing. It collects SSN, income, account balances and transaction history (via Plaid) and states it may use personal information 'to train our artificial intelligence models and systems'. The combination of cash-advance distress data with a rent-to-own/lease-purchase affiliate network is a structural cross-sell risk (tracker inference). No breach located this pass.

Contacts

Privacy contact. Email link in privacy policy 'Got Questions?' section (address obfuscated in capture); hellobrigit.com/contact

Legal notice. Bridge IT, Inc., 36W 20th Street, Floor 11, New York, NY 10011 (Terms §20). Parent: Upbound Group, Inc., 5501 Headquarters Drive, Plano, TX 75024 (10-K).

Mailing address. Not recorded.