Last updated: November 10, 2025

These Terms of Use (“Terms”) govern your access to and use of the website operated by Global Savings & Loans, Limited (“Company,” “we,” “us,” or “our”). By visiting or using this site, you agree to these Terms and to all applicable laws and regulations. If you do not agree, do not use the site. We may update these Terms at any time by posting a revised version; your continued use means you accept the updated Terms.

1. WHO MAY USE THE SITE
   You may use this site only for lawful purposes and for your own informational, non-commercial use. You are responsible for complying with any local laws that apply to you.

2. NO OFFER; NO COMMITMENT TO LEND
   Content on this site is for general information only. Nothing here is an offer, invitation, or commitment to lend, provide financing, or enter into any transaction. Any financing is subject to separate definitive documentation, due diligence, applicable law, and formal credit/underwriting approvals. We are a private lender and do not accept deposits; deposit insurance (e.g., FDIC) does not apply.

3. INTELLECTUAL PROPERTY
   All content on the site—including text, graphics, logos, images, audio/video, software, and the overall look and feel—is owned by us or our licensors and is protected by copyright, trademark, and other intellectual property laws. We reserve all rights not expressly granted.

4. LIMITED LICENSE (PERSONAL, NON-COMMERCIAL USE)
   We grant you a limited, revocable, non-exclusive, non-transferable license to access and view this site for personal, non-commercial use. This license does not allow you to: (a) modify, copy, or create derivative works; (b) use content for public display or commercial purposes; (c) decompile, reverse engineer, or access source code; (d) remove proprietary notices; or (e) mirror, frame, or repost materials without our prior written consent. This license ends automatically if you breach these Terms, and we may terminate it at any time. Upon termination, you must cease use and destroy any copies.

5. ACCEPTABLE USE & PROHIBITED CONDUCT
   You agree not to: interfere with or disrupt the site or its security; use robots, spiders, scrapers, or other automated means without our written permission; upload or transmit viruses or harmful code; misrepresent your identity or affiliation; or use the site in violation of any law or third-party rights.

6. THIRD-PARTY LINKS & RESOURCES
   The site may link to third-party websites or resources for convenience. We do not control and are not responsible for their content, policies, or availability. Accessing any third-party site is at your own risk and subject to that site’s terms.

7. ACCURACY, CHANGES & AVAILABILITY; PRIVACY & COOKIES
   We strive for accuracy but do not guarantee that site materials are current, complete, or error-free. Content may change or be removed without notice, and we may suspend or discontinue any part of the site at any time.
   Privacy & Cookies: Your use of this site is also subject to our Privacy Policy (/privacy) and our Cookie Notice (/cookie-notice), which explain how we collect, use, and store information and how cookies and similar technologies are used.

8. DISCLAIMERS
   THE SITE AND ALL CONTENT ARE PROVIDED “AS IS” AND “AS AVAILABLE.” TO THE FULLEST EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT, and any warranties arising from course of dealing or usage of trade. We do not warrant that the site will be uninterrupted, timely, secure, error-free, or free of harmful components, or that results will be accurate or reliable.

9. LIMITATION OF LIABILITY
   TO THE MAXIMUM EXTENT PERMITTED BY LAW, IN NO EVENT WILL WE OR OUR AFFILIATES, DIRECTORS, OFFICERS, EMPLOYEES, AGENTS, OR LICENSORS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES (INCLUDING LOST PROFITS, LOST DATA, BUSINESS INTERRUPTION, OR REPLACEMENT SERVICES) ARISING OUT OF OR RELATED TO YOUR USE OF, OR INABILITY TO USE, THE SITE OR ITS CONTENT—EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. Some jurisdictions do not allow certain limitations; in those jurisdictions, liability is limited to the fullest extent permitted by law.

10. INDEMNIFICATION
    You agree to defend, indemnify, and hold harmless the Company and its affiliates, officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses (including reasonable attorneys’ fees) arising out of or connected to your violation of these Terms or misuse of the site.

11. GOVERNING LAW & VENUE
    These Terms and any dispute related to the site are governed by the laws of the State of California, without regard to conflict-of-law principles. You consent to the exclusive jurisdiction and venue of the state and federal courts located in Los Angeles County, California.

12. TERMINATION
    We may suspend or terminate your access to the site at any time, with or without notice, for any reason. Upon termination, Sections 2–12 (and any other provisions that by their nature should survive) will continue to apply.

13. SEVERABILITY; ENTIRE AGREEMENT
    If any provision of these Terms is found unenforceable, it will be enforced to the maximum extent permitted, and the remaining provisions will remain in full force. These Terms constitute the entire agreement between you and us regarding your use of the site.