Last updated: October 30, 2025

1. Acceptance of Terms
By accessing or using this website (the “Site”) and/or applying for a loan or other services via the Site, you agree to these Terms of Service (“Terms”). If you do not agree, do not use the Site.

2. Services
Gold Ridge Financial, LLC (“Gold Ridge Financial,” “we,” “us,” or “our”) provides lending brokerage services, facilitating applications for loans and related information. Use of the Site does not guarantee approval. All loans are subject to credit approval, identity verification, documentation, and applicable laws.

3. Eligibility
You represent that you are at least 18 years old (or the age of majority in your jurisdiction) and have the legal capacity to enter into agreements. You warrant that all information you submit is true, accurate, and complete.

4. User Conduct & Prohibited Use
You agree not to: (a) provide false or misleading information; (b) impersonate others; (c) circumvent, probe, or disrupt security features; (d) use the Site in violation of law or these Terms.

5. Consent to Communications
By providing contact information, you consent to receive calls, texts, and emails about your application and our services. You can opt out of marketing communications at any time per the instructions provided.

6. Intellectual Property
All Site content is owned by Gold Ridge Financial or its licensors and protected by law. You may use content for personal, non-commercial purposes only. Any other use requires our written permission.

7. No Financial or Legal Advice
Content on the Site is for informational purposes only and is not financial, legal, or tax advice. Consult your own advisors.

8. Disclaimers
The Site and services are provided “as is” and “as available.” We disclaim all warranties, express or implied, including merchantability, fitness for a particular purpose, and non-infringement. We do not warrant uninterrupted or error-free operation.

9. Limitation of Liability
To the maximum extent permitted by law, we are not liable for indirect, incidental, special, consequential, exemplary, or punitive damages, or lost profits/revenues, arising from or related to your use of the Site or services.

10. Indemnification
You agree to indemnify and hold harmless Gold Ridge Financial and its officers, directors, employees, and agents from claims arising out of your use of the Site or breach of these Terms.

11. Third-Party Links & Services
The Site may link to third-party sites or services. We are not responsible for their content, policies, or practices.

12. Changes to Terms
We may update these Terms by posting a revised version with a new “Last updated” date. Continued use after changes constitutes acceptance.

13. Governing Law; Venue
These Terms are governed by the laws of the state in which Gold Ridge Financial is located, without regard to conflict-of-law rules. Exclusive venue lies in the state or federal courts in that location.

14. Severability; Waiver
If any provision is unenforceable, the remainder remains in effect. Our failure to enforce a provision is not a waiver.

15. Contact
Questions about these Terms: [email protected]