Legal

Terms & Conditions

Last updated: January 2025

These Terms & Conditions ("Terms") govern your access to and use of the Gem Star Capital website and your communications with us. By using our website or submitting an inquiry or application, you agree to these Terms. If you do not agree, please do not use our website.

Use of Our Website

You agree to use our website only for lawful purposes and in a manner that does not infringe the rights of, or restrict or inhibit the use and enjoyment of, this site by any third party. You may not attempt to gain unauthorized access to any portion of the site or any systems or networks connected to it.

No Guarantee of Funding

Information on this website is provided for general informational purposes and does not constitute an offer, commitment, or guarantee of funding. All funding requests are subject to review, underwriting, and approval, and any funding that is offered is governed by separate written agreements and applicable terms.

Intellectual Property

All content on this website, including text, graphics, logos, and the Gem Star Capital name and marks, is owned by or licensed to Gem Star Capital and is protected by applicable intellectual property laws. You may not reproduce, distribute, or create derivative works without our prior written consent.

SMS / Text Message Terms

By opting in to text messages from Gem Star Capital, you agree to receive recurring marketing and promotional SMS/MMS messages from us sent using an automated telephone dialing system (ATDS). These SMS Terms apply to all text-message communications you receive from us.

Message frequency may vary; you may receive up to 4 messages per month. Message and data rates may apply. Reply STOP to opt out at any time and Reply HELP for assistance. Consent is NOT a condition of purchase.

Carriers are not liable for delayed or undelivered messages. Your consent to receive text messages is provided separately and may be withdrawn at any time by replying STOP. For help with our messaging program, reply HELP or contact us using the details below.

Limitation of Liability

To the fullest extent permitted by law, Gem Star Capital shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or relating to your use of our website. Our website and its content are provided on an "as is" and "as available" basis without warranties of any kind, whether express or implied.

Indemnification

You agree to indemnify and hold harmless Gem Star Capital and its affiliates, officers, and employees from any claims, losses, or expenses arising out of your use of the website or your violation of these Terms.

Governing Law

These Terms are governed by and construed in accordance with the laws of the State of New York, without regard to its conflict-of-law principles. Any dispute arising under these Terms shall be subject to the exclusive jurisdiction of the state and federal courts located in New York.

Changes to These Terms

We may revise these Terms from time to time. The "Last updated" date above reflects the most recent revision. Your continued use of the website after changes take effect constitutes acceptance of the revised Terms.

Contact Us

Questions about these Terms may be directed to raymond@gem-star-capital.com or Gem Star Capital, 320 Allview Ave, Brewster, NY 10509.