Terms and Conditions

Effective Date: October 1, 2025

Please read these terms and conditions of use carefully before using this website.

Thank you for visiting Ineedapreapproval.com (“Website,” “Site,” or “App”). The Site is owned and operated by Gold Star Funding Group LLC (“GSFG,” “we,” “us,” or “our”). The terms of use detailed below (the “Terms of Use”) govern your access to and use of the Site and the services that we make available to you through the Site (the “Services”). These Terms of Use are a legal contract between you and Gold Star Funding Group LLC.

By accessing or using the Site or any of the Services, you hereby agree to these Terms of Use, and you warrant that you are at least 18 years of age. If you do not agree with these Terms of Use, in whole or in part, please do not continue to use the Site or the Services. The Terms & Conditions policy is effective as of the last updated date specified above. We may change the Terms & Conditions at any time. Please check this page periodically for changes as your continued use of the Site or Services after any such change will constitute your acceptance of any modified terms.

The Services

The Services are provided “as is” and include GSFG's free information, including insurance quotes and quote ranges, tools, links, and recommendations to help you with insurance-related decisions. Most information provided through the Service is for general informational and educational purposes.

The Services may also include third-party insurance products, brokers, and carriers in the form of advertisements, quotes, online purchases, phone calls, emails, or text messages. By using our Services, you consent to potentially being contacted by third parties on our behalf.

Any quotes or ranges provided on the site or over the phone are non-binding unless agreed upon in writing.

Mobile Terms & Conditions

By requesting a quote or opting into SMS services, you consent to receive text messages from GSFG. Message and data rates may apply.

Frequency: Message frequency may vary.

Opt-In: You may opt in by submitting your mobile number through the website or other sign-up methods.

Opt-Out: Text STOP to cancel. You will receive one confirmation message.

Help: Text HELP for assistance, or contact us at [email protected].

Cost: Standard message and data rates apply.

Privacy: Please see our [Privacy Policy] for more details.

User Conduct

You agree not to use the Site for unlawful purposes, including (but not limited to):

Engaging in illegal activities

Spreading viruses or malicious code

Harassing, impersonating, or abusing others

Delivering spam or collecting data for spam

Reverse-engineering or hacking the Site

Misusing or overloading the Site

Intellectual Property

All content on the Site—including text, graphics, images, designs, logos, and trademarks—is owned by or licensed to GSFG and protected by applicable copyright and trademark laws. You may not copy, reproduce, modify, or distribute any content without prior written permission.

Unsolicited Information

Any unsolicited submissions (ideas, comments, suggestions, etc.) will be treated as non-confidential and non-proprietary and may be used by GSFG for any purpose without compensation.

Collection and Use of Information

Your use of the Services may involve transmitting personal information. Any collection or use of personal data is governed by our [Privacy Policy]. GSFG may disclose information when legally required.

Disclaimer & Limitation of Liability

The Site and Services are provided “as is,” without warranties of any kind.

To the fullest extent allowed by law, we disclaim all liability for damages, including indirect or consequential damages. Your sole remedy for dissatisfaction with the Site or Services is to stop using them.

External Sites

The Site may contain links to third-party websites. GSFG is not responsible for the content, products, or practices of these external sites. Use them at your own risk.

Indemnification

You agree to indemnify and hold GSFG and its officers, employees, and affiliates harmless from claims arising out of your use of the Site, violation of these Terms, or infringement of any rights.

Termination

We may suspend or terminate your access to the Site or Services at any time without notice.

Governing Law & Jurisdiction

These Terms are governed by the laws of the State of Florida. Any disputes shall be resolved exclusively in the state or federal courts located in Palm Beach County, Florida.