Terms and Conditions

Effective Date: May 17 2026
Last Updated: May 17 2026

Welcome to Gold Nova Group (“Company,” “we,” “our,” or “us”). These Terms and Conditions (“Terms”) govern your access to and use of our website, online forms, content, communications, and related services.

By accessing or using this website, submitting information through our forms, or communicating with us through this website, you agree to be bound by these Terms. If you do not agree with these Terms, please do not use this website.

1. Nature of Our Services

Gold Nova Groupprovides information, assistance, and/or referral-related services for individuals interested in personal loan options or related financial services.

Our website allows users to submit information so that Gold Nova Group, its representatives, service providers, or authorized partners may review the inquiry and contact the user regarding possible loan-related options.

Unless expressly stated otherwise, Gold Nova Group does not guarantee that you will qualify for a loan, receive funding, obtain a specific loan amount, receive a specific interest rate, or be offered any particular terms.

All loan options, approvals, rates, repayment terms, fees, and funding availability are subject to eligibility, verification, underwriting, lender approval, applicable law, and the policies of the relevant financial provider.

2. No Guarantee of Approval

Submitting a form or request through this website does not guarantee:

Loan approval
Availability of funding
A specific loan amount
A specific interest rate or APR
A specific repayment term
Same-day approval or same-day funding
Acceptance by any lender, provider, or financial partner

Any examples, estimates, or general information presented on this website are for informational purposes only and should not be interpreted as a binding offer, approval, or guarantee.

3. Eligibility

By using this website, you represent that you:

Are at least 18 years old
Are legally able to enter into agreements
Are using the website for lawful purposes
Will provide true, accurate, current, and complete information
Will not submit information on behalf of another person without authorization

We reserve the right to reject, suspend, or disregard any inquiry if we believe the information submitted is inaccurate, incomplete, fraudulent, unauthorized, or otherwise improper.

4. User Information and Form Submissions

When you submit information through our website, you agree that the information you provide may be used to respond to your inquiry, evaluate your request, communicate with you, and, where applicable, share your inquiry with service providers, lenders, brokers, referral partners, CRM platforms, marketing platforms, or other authorized third parties involved in processing your request.

You are responsible for ensuring that all information you submit is accurate and complete.

You understand that inaccurate or incomplete information may delay the review of your inquiry or prevent you from receiving available options.

5. Consent to Be Contacted

By submitting your contact information through this website, you authorize Gold Nova Group, its representatives, service providers, and/or authorized partners to contact you regarding your inquiry by phone, email, text message, or other electronic communication.

This may include communications made through automated dialing systems, prerecorded messages, artificial voice messages, SMS, or similar technologies, where permitted by applicable law.

You understand that your consent to receive communications is not required as a condition of purchasing any product or service.

You may opt out of marketing communications at any time by following the unsubscribe instructions in an email, replying “STOP” to text messages where applicable, or contacting us directly.

6. Financial and Legal Disclaimer

The information provided on this website is for general informational purposes only. It should not be considered financial, legal, tax, or professional advice.

You should consult a qualified financial advisor, attorney, tax professional, or other appropriate professional before making financial decisions.

Gold Nova Group does not make credit decisions unless expressly authorized and legally permitted to do so. If your inquiry is connected with a third-party lender, broker, or provider, that third party is solely responsible for its own review, terms, approval process, disclosures, and services.

7. Advertising and Credit Disclosures

Any loan-related information displayed on this website is intended to be general unless expressly stated otherwise.

If specific loan terms are presented, such as APR, payment amount, repayment period, fees, or loan cost, those terms may require additional disclosures under federal or state law. Consumer credit advertising must include clear and conspicuous disclosures when required by law. (Federal Trade Commission)

Gold Nova Group does not intend to mislead users regarding loan availability, approval likelihood, rates, fees, repayment obligations, or funding timing.

8. Third-Party Providers and Links

Our website may contain links to third-party websites, platforms, lenders, service providers, or business partners.

We are not responsible for:

Third-party websites
Third-party terms or policies
Third-party services or decisions
Loan offers made by third parties
Fees, rates, disclosures, or obligations imposed by third parties
The accuracy, legality, or completeness of third-party content

Your interactions with any third party are solely between you and that third party.

We encourage you to carefully review all loan agreements, disclosures, privacy policies, and terms before accepting any financial product or service.

9. Privacy

Your use of this website is also governed by our Privacy Policy, which explains how we collect, use, disclose, and protect personal information.

Financial service providers may be subject to additional privacy obligations under laws such as the Gramm-Leach-Bliley Act and related privacy rules. The FTC states that financial institutions may be required to provide notices explaining privacy practices and limitations on sharing nonpublic personal information. (Federal Trade Commission)

By using this website, you acknowledge that you have reviewed our Privacy Policy.

10. Permitted Use of the Website

You agree to use this website only for lawful purposes.

You agree not to:

Use the website for fraudulent, abusive, or unlawful activity
Submit false, misleading, or unauthorized information
Attempt to gain unauthorized access to our systems
Interfere with the security or functionality of the website
Copy, scrape, reproduce, or exploit website content without permission
Use the website to transmit viruses, malware, spam, or harmful code
Impersonate another person or entity
Violate any applicable federal, state, or local law

We reserve the right to restrict, suspend, or terminate access to the website at any time for any conduct we believe violates these Terms or applicable law.

11. Intellectual Property

All content on this website, including text, graphics, logos, images, design elements, layout, icons, videos, and other materials, is owned by or licensed to Gold Nova Group unless otherwise stated.

You may not copy, reproduce, distribute, modify, display, publish, transmit, or create derivative works from any website content without our prior written consent.

Unauthorized use of our content, brand name, logo, or materials is prohibited.

12. Website Availability

We strive to keep the website available and functional, but we do not guarantee uninterrupted access.

We may update, modify, suspend, or discontinue any part of the website at any time without notice.

We are not liable for website downtime, technical issues, data loss, errors, delays, interruptions, or security incidents beyond our reasonable control.

13. No Warranties

This website and its content are provided on an “as is” and “as available” basis.

To the fullest extent permitted by law, Gold Nova Group makes no warranties, express or implied, regarding:

Website availability
Accuracy of content
Completeness of information
Loan approval
Funding availability
Third-party services
Fitness for a particular purpose
Non-infringement
Security or error-free operation

We do not guarantee that the website will be free from errors, viruses, malware, interruptions, or unauthorized access.

14. Limitation of Liability

To the fullest extent permitted by law, Gold Nova Group, its owners, officers, employees, contractors, agents, representatives, affiliates, service providers, and partners shall not be liable for any direct, indirect, incidental, consequential, special, punitive, or exemplary damages arising from or related to:

Your use of the website
Your inability to use the website
Your reliance on website content
Any loan inquiry or submission
Any third-party service or offer
Any denial of credit or loan approval
Any delay in communication or processing
Any unauthorized access to or use of information
Any technical failure, error, or interruption

This limitation applies even if we have been advised of the possibility of such damages.

Some jurisdictions do not allow certain limitations of liability, so some limitations may not apply to you.

15. Indemnification

You agree to defend, indemnify, and hold harmless Gold Nova Group, its owners, officers, employees, contractors, agents, affiliates, service providers, and partners from and against any claims, damages, losses, liabilities, costs, and expenses, including reasonable attorney’s fees, arising from or related to:

Your use of the website
Your violation of these Terms
Your submission of false, inaccurate, or unauthorized information
Your violation of any law or third-party right
Your misuse of any loan-related information or service

16. Electronic Communications

By using this website or submitting information through our forms, you consent to receive communications from us electronically.

Electronic communications may include emails, SMS messages, website notices, digital disclosures, or other electronic formats.

You agree that electronic communications may satisfy any legal requirement that communications be in writing, where permitted by law.

17. No Unlawful or Prohibited Use

You may not use this website in any way that violates applicable laws, regulations, or the rights of others.

You may not use this website to submit information related to fraudulent loan applications, identity theft, unauthorized credit requests, or deceptive activity.

We reserve the right to cooperate with law enforcement, regulators, service providers, and financial partners if we suspect fraud, abuse, or unlawful conduct.

18. Changes to These Terms

We may update these Terms from time to time.

When we update these Terms, we will revise the “Last Updated” date at the top of this page.

Your continued use of the website after changes are posted means you accept the updated Terms.

If you do not agree with the updated Terms, you should stop using the website.

19. Governing Law

These Terms shall be governed by and interpreted in accordance with the laws of the State of [Insert State], without regard to conflict of law principles.

Any dispute arising from or related to these Terms, the website, or our services shall be handled in the appropriate courts located in [Insert County and State], unless otherwise required by applicable law.

20. Dispute Resolution

Before filing any legal claim, you agree to first contact us and attempt to resolve the dispute informally.

Please send any dispute notice to the contact information listed below and include your name, contact information, a description of the issue, and the relief requested.

Nothing in this section prevents either party from seeking emergency or injunctive relief where legally appropriate.

21. Severability

If any provision of these Terms is found to be invalid, unlawful, or unenforceable, the remaining provisions shall remain in full force and effect.

The invalid or unenforceable provision shall be modified to the minimum extent necessary to make it valid and enforceable, where permitted by law.

22. Entire Agreement

These Terms, together with our Privacy Policy and any applicable disclosures, constitute the entire agreement between you and Gold Nova Group regarding your use of the website.

They supersede any prior or contemporaneous understandings, agreements, or communications related to the website.

23. Contact Information

If you have questions about these Terms and Conditions, please contact us:

Gold Nova Group
Email: [Insert Email Address]
Phone: [Insert Phone Number]
Address: [Insert Business Address, if applicable]