Terms & Conditions

Effective Date: January 1, 2026

Agreement to Terms

By accessing or using the website newgoldventures.com ("Site"), you agree to be bound by these Terms and Conditions ("Terms"). If you do not agree to all of these Terms, do not use the Site. These Terms constitute a legally binding agreement between you and NEW GOLD VENTURES LLC ("Company," "we," "us," or "our").

Use of the Website

You agree to use this Site only for lawful purposes and in a manner that does not infringe on the rights of, restrict, or inhibit anyone else's use and enjoyment of the Site. Prohibited behavior includes but is not limited to:

• Attempting to gain unauthorized access to the Site, its servers, or any connected databases
• Using the Site to transmit unsolicited commercial communications
• Using the Site for any fraudulent or unlawful purpose
• Reproducing, duplicating, or copying any content from the Site for commercial purposes without permission

Services Description

NEW GOLD VENTURES LLC is a direct business lender providing financial services including working capital funding, equipment financing, revenue-based financing, business lines of credit, and asset-based lending. The information provided on this Site is for general informational purposes and does not constitute a commitment to lend or a guarantee of specific terms.

All funding is subject to our underwriting criteria, application review, and approval process. Terms, rates, and availability may vary based on the applicant's qualifications and market conditions.

Application and Funding

By submitting an application through our Site, you represent that all information provided is accurate, complete, and current. You authorize NEW GOLD VENTURES LLC to verify any information provided and to obtain credit reports and other information as necessary for the evaluation of your application.

Submission of an application does not guarantee approval. We reserve the right to accept or deny any application at our sole discretion.

Intellectual Property

All content on this Site — including text, graphics, logos, images, and software — is the property of NEW GOLD VENTURES LLC or its licensors and is protected by applicable intellectual property laws. You may not reproduce, distribute, modify, or create derivative works from any content without our express written consent.

SMS Terms & Conditions

By opting in to receive SMS or text messages from NEW GOLD VENTURES LLC, you agree to the following:

• You consent to receive recurring marketing and promotional SMS/MMS messages from NEW GOLD VENTURES LLC, including offers, updates, and information about our financial products and services, sent using an automated telephone dialing system (ATDS).
• Message frequency varies; you may receive up to 4 messages per month.
• Message and data rates may apply depending on your mobile carrier plan.
• You may opt out at any time by replying STOP to any message. After opting out, you will receive a confirmation message and will no longer receive SMS communications from us.
• For assistance or questions about our SMS program, reply HELP to any message or email us at barry@newgoldventures.com.
• Consent is NOT a condition of purchase. You are not required to opt in to SMS messages as a condition of purchasing any goods or services from NEW GOLD VENTURES LLC.
• Supported carriers include but are not limited to AT&T, T-Mobile, Verizon, and Sprint. Carrier fees may apply.

Disclaimer of Warranties

The Site and its content are provided on an "as is" and "as available" basis without warranties of any kind, either express or implied. We make no representations or warranties that the Site will be uninterrupted, error-free, or free of viruses or other harmful components.

We do not warrant or make any representations regarding the accuracy, reliability, or completeness of any content on the Site.

Limitation of Liability

To the maximum extent permitted by applicable law, NEW GOLD VENTURES LLC shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of the Site or our services, regardless of the cause of action or the theory of liability.

Indemnification

You agree to indemnify, defend, and hold harmless NEW GOLD VENTURES LLC, its officers, directors, employees, agents, and affiliates from any claims, liabilities, damages, losses, costs, or expenses (including reasonable attorneys' fees) arising from your use of the Site or violation of these Terms.

Third-Party Links

The Site may contain links to third-party websites or services. We do not control and are not responsible for the content, privacy policies, or practices of any third-party sites. Access to third-party links is at your own risk.

Governing Law

These Terms shall be governed by and construed in accordance with the laws of the Commonwealth of Massachusetts, without regard to its conflict of laws principles. Any disputes arising under these Terms shall be resolved in the courts located in Worcester County, Massachusetts.

Modifications to Terms

We reserve the right to update or modify these Terms at any time without prior notice. Changes will be effective immediately upon posting on the Site. Your continued use of the Site after any changes constitutes acceptance of the revised Terms.

Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions shall remain in full force and effect.

Contact Us

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

NEW GOLD VENTURES LLC
466 Carpenter Road
Whitinsville, MA 01588
Email: barry@newgoldventures.com