Term of Service

Golden Century Financial Services
Effective Date: January 1, 2026


SMS Messaging Terms & Compliance

1. Program Description

This messaging program sends appointment confirmations, reminders, loan updates, and customer service messages to clients who have opted in through our website www.goldencenturyfinancial.com, online forms, or direct communication.

By providing your phone number and opting in, you agree to receive SMS communications related to mortgage services, loan updates, and real estate-related inquiries.


2. Cancellation Instructions

You can cancel SMS services at any time by texting “STOP” to the number that sent you the message.
After opting out, you will no longer receive SMS messages unless you opt in again.


3. Support Information

For assistance, reply “HELP” or contact us:


4. Carrier Liability

Wireless carriers are not responsible for delayed or undelivered messages.


5. Message & Data Rates

Message and data rates may apply. Message frequency varies based on your interaction and services requested.


6. Supported Carriers

Supported by major U.S. carriers including AT&T, T-Mobile, Verizon, and others.


7. Age Restriction

You must be at least 18 years old to participate.


8. Privacy Policy

Please review our Privacy Policy here:
👉 https://www.goldencenturyfinancial.com/privacy-policy

We comply with all applicable laws, including the Telephone Consumer Protection Act (TCPA) and CTIA guidelines.


General Terms

This website (www.goldencenturyfinancial.com) is owned and operated by Golden Century Financial Services ("Company," "we," or "us").

By using this website, you agree to these Terms of Service, our Privacy Policy, and any applicable laws and regulations.

We reserve the right to update or modify these terms at any time. Continued use of the site constitutes acceptance of those changes.


Intellectual Property Rights


Our Limited License to You

All content on this website—including text, graphics, logos, and materials—is owned by Golden Century Financial Services and protected by intellectual property laws.

You may use the website for personal, non-commercial purposes only.


Your License to Us

If you submit content (comments, forms, messages, etc.), you grant us a non-exclusive, royalty-free, perpetual license to use and distribute that content for business purposes.


Disclaimers

  • We may link to third-party websites. We are not responsible for their content or services.
  • All services and information are provided “as is” without warranties.
  • We do not guarantee loan approval, rates, or terms until formally approved by a lender.

You agree to indemnify and hold harmless Golden Century Financial Services from any claims arising from your use of this website.


Online Commerce

If you engage with third-party services through our website (such as lenders or service providers), those transactions are solely between you and the third party.

We are not responsible for third-party performance, accuracy, or outcomes.


Registration & Account Security

If you create an account:

  • You agree to provide accurate information
  • You are responsible for protecting your login credentials
  • Notify us immediately of any unauthorized use

📧 Contact: sam@samkhalil.com


Termination

We reserve the right to suspend or terminate access to the website if you violate these terms or engage in unlawful activity.


Governing Law

These Terms shall be governed by the laws of the State of California.

Any disputes shall be resolved through binding arbitration in California.


Changes to Terms

We may update these Terms at any time. Updates will be posted on this page with the revised effective date.


Contact Information

Golden Century Financial Services
📍 2185 Glenkirk Dr, San Jose, CA 95124
📞 408-315-1885
📧 sam@goldencenturyfinancial.com
🌐 www.goldencenturyfinancial.com