Terms and Conditions
Last revised: July 16, 2026
The GoldIRAFinder.com website located at https://www.goldirafinder.com/ (the "Site") is a free consumer referral and marketing service that enables you to access general information about gold and other precious metals IRAs and to request to be matched with, and contacted by, independent third party companies that offer gold and other precious metals IRA products and related services ("Gold IRA Companies"). When you use this Site, you represent and warrant that you understand that the Site is not affiliated with or managed, endorsed or sanctioned by any precious metals dealer, IRA custodian, financial institution or any state or federal governmental entity.
THE AGREEMENT CONTAINS DISCLAIMERS OF WARRANTIES, LIMITATIONS OF LIABILITY, RELEASES, A CLASS-ACTION WAIVER AND THE REQUIREMENT TO ARBITRATE ANY AND ALL CLAIMS THAT MAY ARISE HEREUNDER. THIS ARBITRATION AGREEMENT INCLUDES CLAIMS RELATED TO OUR CLIENTS, VENDORS, AND MARKETING PARTNERS, WHICH ARE THIRD PARTY BENEFICIARIES OF THIS ARBITRATION AGREEMENT. THE AFOREMENTIONED PROVISIONS ARE AN ESSENTIAL BASIS OF THE AGREEMENT.
The Site is an Internet property of GoldIRAFinder.com and its affiliated companies ("GoldIRAFinder.com," "we," "our" or "us"). You are agreeing to comply with and be bound by the following GoldIRAFinder.com Terms and Conditions ("Terms and Conditions") when you: (a) access the Site; (b) submit a request to be matched with, and contacted by, one or more Gold IRA Companies (the "Matching Services"); and/or (c) view certain content, links and other material pertaining to the Gold IRA Companies and their products and services and other related text, graphics, photos and other content (collectively, "Content," and together with the Site and the Matching Services, the "Site Offerings").
The GoldIRAFinder.com Privacy Policy ("Privacy Policy") and any and all other applicable GoldIRAFinder.com operating rules, policies and other supplemental terms and conditions that may be published from time to time are expressly incorporated herein by reference (collectively, the "Agreement"). Please review the following terms of the Agreement carefully. If you do not agree to these Terms and Conditions and the terms of the Agreement in their entirety, you are not authorized to use the Site Offerings in any manner or form.
GoldIRAFinder.com IS A FREE CONSUMER REFERRAL AND MARKETING SERVICE, MATCHING CONSUMERS WITH INDEPENDENT GOLD IRA COMPANIES THAT OFFER PRODUCTS AND/OR SERVICES OF INTEREST TO THE CONSUMER. GoldIRAFinder.com IS NOT A PRECIOUS METALS DEALER, IRA CUSTODIAN, BROKER-DEALER, OR INVESTMENT, TAX OR LEGAL ADVISER. GoldIRAFinder.com DOES NOT SELL PRECIOUS METALS, OPEN OR ADMINISTER IRA ACCOUNTS, OR PROVIDE INVESTMENT, TAX OR LEGAL ADVICE. YOU UNDERSTAND, ACKNOWLEDGE AND AGREE THAT THE INFORMATION YOU CHOOSE TO PROVIDE TO US WILL BE COLLECTED, STORED AND TRANSMITTED TO OUR MARKETING PARTNERS FOR THE PURPOSE OF MATCHING YOU WITH GOLD IRA COMPANIES THAT CAN CONTACT YOU ABOUT THEIR PRODUCTS AND SERVICES.
ALL CONTENT ON THE SITE IS PROVIDED FOR INFORMATIONAL AND EDUCATIONAL PURPOSES ONLY AND DOES NOT CONSTITUTE FINANCIAL, INVESTMENT, TAX OR LEGAL ADVICE, OR A RECOMMENDATION OR SOLICITATION TO BUY OR SELL ANY PRECIOUS METALS OR OTHER INVESTMENT. YOU SHOULD CONSULT A QUALIFIED FINANCIAL, TAX OR LEGAL PROFESSIONAL BEFORE MAKING ANY INVESTMENT OR RETIREMENT DECISION.
GoldIRAFinder.com MAY RECEIVE COMPENSATION FROM THE GOLD IRA COMPANIES THAT PARTICIPATE IN THE MATCHING SERVICES. THIS COMPENSATION MAY AFFECT WHICH COMPANIES WE PRESENT TO YOU AND THE ORDER IN WHICH THEY ARE PRESENTED. WE DO NOT PRESENT ALL COMPANIES OR ALL PRODUCTS AVAILABLE IN THE MARKETPLACE. A LIST OF OUR MARKETING PARTNERS IS AVAILABLE ON OUR PARTNER LIST PAGE.
PRECIOUS METALS PRICES FLUCTUATE AND CAN LOSE VALUE. AN INVESTMENT IN GOLD OR OTHER PRECIOUS METALS INVOLVES RISK, INCLUDING THE POSSIBLE LOSS OF PRINCIPAL. PAST PERFORMANCE DOES NOT GUARANTEE FUTURE RESULTS. GOLD AND OTHER PRECIOUS METALS DO NOT PAY INTEREST OR DIVIDENDS AND PRODUCE NO INCOME.
THE GOLD IRA COMPANIES ACCESSIBLE THROUGH THE SITE OFFERINGS ARE INDEPENDENT COMPANIES. GoldIRAFinder.com MAKES NO GUARANTEES, REPRESENTATIONS OR WARRANTIES REGARDING THE PERFORMANCE, PRICING, FEES, PRODUCTS, SERVICES OR SUITABILITY OF ANY GOLD IRA COMPANY, OR THAT ANY GOLD IRA COMPANY OR PRODUCT IS APPROPRIATE FOR YOUR PARTICULAR CIRCUMSTANCES.
1. Acceptance of Agreement; Modification. You agree to the terms and conditions outlined in the Agreement with respect to your use of the Site Offerings. The Agreement constitutes the entire and only agreement between you and GoldIRAFinder.com with respect to your use of the Site, and supersedes all prior and contemporaneous agreements, representations, warranties and/or understandings with respect to the Site Offerings. We may amend the Agreement from time to time in our sole discretion, without specific notice to you; provided, however, that any amendment or modification to the arbitration provisions, prohibition on class actions provisions or any other provisions applicable to dispute resolution (collectively, "Dispute Resolution Provisions") shall not apply to any disputes incurred prior to the applicable amendment or modification. The latest Agreement will be posted on the Site, and you should review the Agreement prior to using the Site Offerings. By your continued use of the Site Offerings after the Agreement has been changed, you hereby agree to comply with all of the terms and conditions contained within the Agreement effective at that time (other than with respect to disputes arising prior to the amendment or modification of the Dispute Resolution Provisions, which shall be governed by the Dispute Resolution Provisions in effect at the time of the subject dispute). Therefore, you should regularly check this page for updates and/or changes.
2. Requirements; Termination of Access. The Site Offerings are available only to individuals who can enter into legally binding contracts under applicable law and who are over eighteen (18) years of age (or the applicable age of majority, if greater than eighteen (18) years of age in their jurisdiction). If a user is under eighteen (18) years of age (or the applicable age of majority, if greater than eighteen (18) years of age in her/his jurisdiction) and/or if that user is unable to enter into legally binding contracts under applicable law, that user does not have permission to use and/or access the Site Offerings.
GoldIRAFinder.com may terminate any user's access to the Site Offerings at any time and for any reason, in its sole discretion. Such reasons may include, without limitation, where GoldIRAFinder.com believes that such user is: (a) in any way in breach of the Agreement; and/or (b) engaged in any improper conduct in connection with the Site Offerings.
3. Description of Site Offerings. The Site provides users with an opportunity to request to be matched with, and contacted by, one or more Gold IRA Companies. Please be advised that GoldIRAFinder.com does not itself provide precious metals, IRA accounts or any related products and/or services, and the ultimate terms and conditions of any product or service provided by any Gold IRA Company will be determined by that Gold IRA Company. To use the Matching Services, you must first fully complete the request form located at the Site ("Site Application"). The information that you will supply on the Site Application may include, but not be limited to: (a) your first name; (b) your last name; (c) your telephone number; (d) your ZIP code; (e) your e-mail address; and (f) any and all other information requested on the applicable form (collectively, the "Site Registration Data"). The Site Application form will set forth the exact information that is required. GoldIRAFinder.com's use of the Site Registration Data shall be governed by the Privacy Policy. To access the Privacy Policy, please click here.
Upon entering your Site Registration Data and clicking on the applicable submission button on the Site, you may be contacted by, and/or redirected to the website of, one or more Gold IRA Companies. GoldIRAFinder.com may transfer your Site Registration Data to its Gold IRA Companies in connection with facilitating the processing of your matching request. Any information that you supply to any Gold IRA Company shall be governed by that Gold IRA Company's privacy policy. The ultimate terms and conditions of any product or service provided by any Gold IRA Company will be determined by that Gold IRA Company.
Where you provide your prior express written consent on the applicable form, you agree to receive marketing calls and text messages, including calls and messages placed using an automatic telephone dialing system, artificial voice or pre-recorded messages, from GoldIRAFinder.com and/or its Gold IRA Companies at the telephone number that you provide. Your consent is not a condition of any purchase, and standard message and data rates may apply. You may revoke your consent at any time by completing the form on our Revoke Consent page or by contacting us using one of the methods set forth in the Contact section below.
Unless explicitly stated otherwise, any future offer(s) made available to you on the Site that augment(s) or otherwise enhance(s) the current features of the Site shall be subject to the Agreement. You understand and agree that GoldIRAFinder.com is not responsible or liable in any manner whatsoever for your use of, or inability to use and/or qualify for, any products or services offered by any Gold IRA Company, or for any dispute between you and any Gold IRA Company. You understand and agree that GoldIRAFinder.com shall not be liable to you or any third party for any modification, suspension or discontinuation of any product, service or promotion offered by any Gold IRA Company.
If GoldIRAFinder.com terminates the Agreement for any reason, GoldIRAFinder.com shall have no liability or responsibility to you. You understand and agree that refusal to use the Site is your sole right and remedy with respect to any dispute with GoldIRAFinder.com. The Agreement only governs your use of the Site.
4. Non-Endorsement; Passive Conduit.
(a) GoldIRAFinder.com does not sponsor, recommend or endorse any Gold IRA Company that is accessible by or through the Matching Services and/or other Site Offerings. The Gold IRA Companies that are accessible by and through the Matching Services pay a fee for access to the users that utilize the Matching Services. GoldIRAFinder.com does not guarantee that users will successfully be matched with a Gold IRA Company through the Site Offerings.
(b) Please use caution and common sense when using the Site Offerings. GoldIRAFinder.com in no way endorses the content or legality of any responses, statements or promises made by Gold IRA Companies or any other parties on the Site or otherwise through the Site Offerings.
(c) The decision to invest in precious metals and the choice of a precious metals company are extremely important decisions and should not be based solely on advertisements, claims of expertise, or pricing offered by any Gold IRA Company. GoldIRAFinder.com does not review the standing of any Gold IRA Company with any regulatory authority or governmental agency. Therefore, GoldIRAFinder.com makes no representation regarding the status, standing or ability of any Gold IRA Company. When considering obtaining products or services from a Gold IRA Company, users should check that Gold IRA Company's standing with the applicable regulatory and/or governmental agencies and consumer protection organizations.
(d) GoldIRAFinder.com does not involve itself in the agreements between users and Gold IRA Companies or the actual provision of products and services in connection with the relationships created thereby. Therefore, GoldIRAFinder.com does not make any representations regarding the competency, trustworthiness, honesty, integrity and/or behavior of either its users or Gold IRA Companies. Each user, and not GoldIRAFinder.com, is solely responsible for assessing the competency, trustworthiness, honesty and integrity of all Gold IRA Companies that the user communicates with via the Matching Services. Because GoldIRAFinder.com is not involved in user interactions, in the event that you have a dispute with one or more Gold IRA Companies and/or other third-parties, you hereby release GoldIRAFinder.com from any and all claims, demands and/or damages (actual and consequential) of every kind and nature, known and unknown, suspected and unsuspected, disclosed and undisclosed, arising out of, or in any way connected with, such disputes.
5. Content; No Advice. The Site contains Content which includes, but is not limited to, links, text, video and/or other information pertaining to gold and other precious metals IRAs and related products and/or services. The Content is offered for informational and educational purposes only, does not constitute financial, investment, tax or legal advice, and is at all times subject to the disclaimers contained herein, and on the Site. You should consult a qualified financial, tax or legal professional before making any investment or retirement decision. Reliance on any Content or other information made available to you by and through the Site Offerings is solely at your own risk. GoldIRAFinder.com disclaims any and all liability for any loss, damage or injury based on Content or other information directly or indirectly obtained through the Site Offerings.
6. License Grant. As a user of the Site, you are granted a non-exclusive, non-transferable, revocable and limited license to access and use the Site Offerings and associated Content in accordance with the Agreement. GoldIRAFinder.com may terminate this license at any time for any reason. You may use the Site Offerings for your own personal, non-commercial use. No part of the Site Offerings may be reproduced in any form or incorporated into any information retrieval system, electronic or mechanical. You may not use, copy, emulate, clone, rent, lease, sell, modify, decompile, disassemble, reverse engineer or transfer the Site Offerings, Content or any portion thereof. GoldIRAFinder.com reserves any rights not explicitly granted in the Agreement. Systematic retrieval of material from the Site by automated means or any other form of scraping or data extraction in order to create or compile, directly or indirectly, a collection, compilation, database or directory without written permission from GoldIRAFinder.com is prohibited. You may not use any device, software or routine to interfere or attempt to interfere with the proper working of the Site Offerings. You may not take any action that imposes an unreasonable or disproportionately large load on the GoldIRAFinder.com infrastructure. Your right to use the Site Offerings is not transferable.
7. Proprietary Rights. The Content, organization, graphics, design, compilation, magnetic translation, digital conversion, software, services and other matters related to the Site Offerings are protected under applicable copyrights, trademarks and other proprietary (including, but not limited to, intellectual property and moral) rights. The copying, redistribution, publication or sale by you of any part of the Site Offerings is strictly prohibited. You do not acquire ownership rights in the Site Offerings or any content, document, software, services or other materials viewed at or through the Site. The posting of information or material on the Site by GoldIRAFinder.com does not constitute a waiver of any right in such information and/or materials.
8. Editing, Deleting and Modification. We reserve the right in our sole discretion to edit and/or delete, at any time, any documents, information or other Content appearing on the Site.
9. Indemnification. You agree to indemnify, defend and hold GoldIRAFinder.com, its parents, subsidiaries and affiliates, and each of their respective members, officers, directors, employees, agents, co-branders and/or other partners, harmless from and against any and all claims, expenses (including reasonable attorneys' fees), damages, suits, costs, demands and/or judgments whatsoever, made by any third party due to or arising out of: (a) your use of the Site Offerings and/or the products and services of any Gold IRA Company; (b) your breach of the Agreement; (c) any dispute between you and any Gold IRA Company; and/or (d) your violation of any rights of another individual and/or entity. The provisions of this Section 9 are for the benefit of GoldIRAFinder.com, its parents, subsidiaries and affiliates, and each of their respective officers, directors, members, employees, agents, shareholders, licensors, suppliers and/or attorneys. Each of these individuals and entities shall have the right to assert and enforce these provisions directly against you on its own behalf.
10. Disclaimer of Warranties. THE SITE OFFERINGS AND/OR ANY PRODUCTS AND/OR SERVICES OFFERED BY ANY GOLD IRA COMPANY THAT YOU MAY REQUEST THROUGH THE SITE OFFERINGS ARE PROVIDED TO YOU ON AN "AS IS" AND "AS AVAILABLE" BASIS AND ALL PROMISES, GUARANTEES, REPRESENTATIONS AND WARRANTIES, EXPRESS AND IMPLIED, ARE DISCLAIMED TO THE FULLEST EXTENT PERMISSIBLE PURSUANT TO APPLICABLE LAW (INCLUDING, BUT NOT LIMITED TO, THE DISCLAIMER OF ANY WARRANTIES OF MERCHANTABILITY, NON-INFRINGEMENT OF INTELLECTUAL PROPERTY AND/OR FITNESS FOR A PARTICULAR PURPOSE). IN PARTICULAR, BUT NOT AS A LIMITATION THEREOF, GoldIRAFinder.com MAKES NO PROMISES, GUARANTEES, REPRESENTATIONS OR WARRANTIES THAT: (A) THE SITE OFFERINGS AND/OR ANY PRODUCTS AND/OR SERVICES OFFERED BY ANY GOLD IRA COMPANY WILL MEET YOUR REQUIREMENTS; (B) THE SITE OFFERINGS AND/OR ANY PRODUCTS AND/OR SERVICES OFFERED BY ANY GOLD IRA COMPANY WILL BE UNINTERRUPTED, TIMELY, SECURE OR ERROR-FREE; (C) YOU WILL BE MATCHED WITH, OR QUALIFY FOR THE PRODUCTS OR SERVICES OF, ANY GOLD IRA COMPANY; OR (D) THE RESULTS THAT MAY BE OBTAINED FROM THE USE OF THE SITE OFFERINGS AND/OR ANY PRODUCTS AND/OR SERVICES OFFERED BY ANY GOLD IRA COMPANY WILL BE ACCURATE OR RELIABLE OR SUFFICIENT FOR YOUR PARTICULAR NEEDS. THE SITE OFFERINGS MAY CONTAIN BUGS, ERRORS, PROBLEMS OR OTHER LIMITATIONS. WE WILL NOT BE LIABLE FOR THE AVAILABILITY OF THE UNDERLYING INTERNET CONNECTION ASSOCIATED WITH THE SITE. NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY YOU FROM GoldIRAFinder.com, ANY GOLD IRA COMPANY OR OTHERWISE THROUGH OR FROM THE SITE OFFERINGS, SHALL CREATE ANY PROMISE, GUARANTEE, REPRESENTATION OR WARRANTY NOT EXPRESSLY STATED IN THE AGREEMENT.
11. Limitation of Liability. YOU EXPRESSLY UNDERSTAND, ACKNOWLEDGE AND AGREE THAT GoldIRAFinder.com SHALL NOT BE LIABLE TO YOU OR ANY THIRD PARTY FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL AND/OR EXEMPLARY DAMAGES, INCLUDING, BUT NOT LIMITED TO, DAMAGES FOR LOSS OF PROFITS, REVENUE, GOODWILL, USE, DATA, INVESTMENT LOSSES OR OTHER TANGIBLE OR INTANGIBLE LOSSES (EVEN IF GoldIRAFinder.com HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES AND/OR SUCH DAMAGES ARE FORESEEABLE), TO THE FULLEST EXTENT PERMISSIBLE BY LAW FOR: (A) THE USE OR THE INABILITY TO USE THE SITE OFFERINGS AND/OR ANY PRODUCTS AND/OR SERVICES OFFERED BY ANY GOLD IRA COMPANY THAT YOU MAY REQUEST THROUGH THE SITE OFFERINGS; (B) THE COST OF PROCUREMENT OF SUBSTITUTE GOODS AND SERVICES RESULTING FROM ANY GOODS, DATA, INFORMATION AND/OR SERVICES PURCHASED OR OBTAINED FROM, OR TRANSACTIONS ENTERED INTO THROUGH, THE SITE OFFERINGS; (C) THE FAILURE TO BE MATCHED WITH, OR QUALIFY FOR THE PRODUCTS OR SERVICES OF, ANY GOLD IRA COMPANY; (D) THE UNAUTHORIZED ACCESS TO, OR ALTERATION OF, YOUR REGISTRATION DATA; AND (E) ANY OTHER MATTER RELATING TO THE SITE OFFERINGS AND/OR ANY PRODUCTS AND/OR SERVICES OFFERED BY ANY GOLD IRA COMPANY. THIS LIMITATION APPLIES TO ALL CAUSES OF ACTION, IN THE AGGREGATE INCLUDING, BUT NOT LIMITED TO, BREACH OF CONTRACT, BREACH OF WARRANTY, NEGLIGENCE, STRICT LIABILITY, MISREPRESENTATIONS AND ANY AND ALL OTHER TORTS.
YOU HEREBY RELEASE GoldIRAFinder.com AND ITS GOLD IRA COMPANIES FROM ANY AND ALL OBLIGATIONS, LIABILITIES AND CLAIMS IN EXCESS OF THE LIMITATIONS STATED HEREIN. IF APPLICABLE LAW DOES NOT PERMIT SUCH LIMITATIONS, THE MAXIMUM LIABILITY OF GoldIRAFinder.com TO YOU UNDER ANY AND ALL CIRCUMSTANCES WILL BE FIVE HUNDRED DOLLARS ($500.00). THE NEGATION OF DAMAGES SET FORTH ABOVE IS A FUNDAMENTAL ELEMENT OF THE BASIS OF THE BARGAIN BETWEEN YOU AND GoldIRAFinder.com. THE SITE OFFERINGS WOULD NOT BE PROVIDED TO YOU WITHOUT SUCH LIMITATIONS.
12. Third Party Websites. The Site may provide links to and/or refer you to other Internet websites and/or resources including, but not limited to, the websites of Gold IRA Companies. Because GoldIRAFinder.com has no control over such third party websites and/or resources, you hereby acknowledge and agree that GoldIRAFinder.com is not responsible for the availability of such third party websites and/or resources. Furthermore, GoldIRAFinder.com does not endorse, and is not responsible or liable for, any terms and conditions, privacy policies, content, advertising, services, products and/or other materials at or available from such third party websites or resources, or for any damages and/or losses arising therefrom. The Site may contain links to other third-party owned and/or operated websites and, where you request information from Gold IRA Companies, GoldIRAFinder.com may transfer you directly to the websites of such Gold IRA Companies. GoldIRAFinder.com is not responsible for the privacy practices or the content of such websites. In some cases, you may be required to provide certain information to register or complete a transaction at such website. These third-party websites have separate privacy and data collection practices and GoldIRAFinder.com has no responsibility or liability relating to them. We do not endorse, nor are we responsible for the accuracy of, the privacy policies or terms and conditions of such website. These third party entities are independent third parties and are not affiliated with us.
13. Privacy Policy/User Information. Use of the Site Offerings, and all comments, feedback, information, Site Registration Data or materials that you submit through or in association with the Site, is subject to our Privacy Policy. We reserve the right to use all information regarding your use of the Site, and any and all other personally identifiable information provided by you, in accordance with the terms of our Privacy Policy. To access the Privacy Policy, please click here.
14. Legal Warning. Any attempt by any individual, whether or not a GoldIRAFinder.com customer, to damage, destroy, tamper with, vandalize and/or otherwise interfere with the operation of the Site, is a violation of criminal and civil law and GoldIRAFinder.com will diligently pursue any and all remedies in this regard against any offending individual or entity to the fullest extent permissible by law and in equity.
15. Governing Law; Dispute Resolution Provisions. The Agreement shall be treated as though it were executed and performed at GoldIRAFinder.com's principal place of business, located at 1116 Folsom St, San Francisco, CA 94103, and shall be governed by and construed in accordance with the laws of the state in which that address is located (without regard to conflict of law principles).
To the extent permitted by law, you agree that you will not bring, join or participate in any class action lawsuit as to any claim, dispute or controversy that you may have against GoldIRAFinder.com and/or its employees, officers, directors, members, representatives and/or assigns. You agree to the entry of injunctive relief to stop such a lawsuit or to remove you as a participant in the suit. You agree to pay the attorneys fees and court costs that GoldIRAFinder.com incurs in seeking such relief. This provision preventing you from bringing, joining or participating in class action lawsuits: (A) does not constitute a waiver of any of your rights or remedies to pursue a claim individually and not as a class action, in binding arbitration as provided herein above; and (B) is an independent agreement. You may opt-out of these dispute resolution provisions by providing written notice of your decision within thirty (30) days of the date that you first access the Site.
16. Agreement to Arbitrate. You and we each agree that any and all disputes or claims that relate to or arise from your use of or access to our Services, or any products or services sold, offered, or purchased through our Services, including any contact from our subsidiaries, affiliates, agents or Marketing Partners, shall be resolved exclusively through final and binding arbitration between us and you, or between our subsidiaries, affiliates, or agents and you, rather than in court, except that you may assert claims in small claims court, if your claims qualify. The Federal Arbitration Act governs the interpretation and enforcement of this Agreement to Arbitrate section (this "Agreement to Arbitrate").
17. Prohibition of Class and Representative Actions and Non-Individualized Relief. You and we agree that each of us may bring claims against the other only on an individual basis and not as a plaintiff or class member in any purported class or representative action or proceeding, including but not limited to actions under the Telephone Consumer Protection Act, 47 U.S.C. § 227 et seq. Unless both you and us agree otherwise, the arbitrator may not consolidate or join more than one person's or party's claims, and may not otherwise preside over any form if a consolidated, representative, or class proceeding. The arbitrator may award relief, including monetary, injunctive, and declaratory relief, only in favor of the individual party seeking relief and only to the extent necessary to provide relief necessitated by that party's individual claim(s). Any relief awarded cannot affect our other users.
18. Arbitration Procedures. The arbitrator, and not any federal, state, or local court or agency, shall have exclusive authority to resolve any dispute arising out of or relating to the interpretation, applicability, enforceability or formation of this Agreement to Arbitrate, any part of it, or of this Agreement including, but not limited to, any claim that all or any part of the Agreement to Arbitrate or this Agreement is void or voidable.
The arbitration will be conducted by the American Arbitration Association ("AAA") under its rules and procedures, including the AAA's Supplementary Procedures for Consumer-Related Disputes (as applicable), as modified by this Agreement to Arbitrate. The AAA's rules and a form for initiating arbitration proceedings is available on the AAA's site at http://www.adr.org.
The arbitration shall be held in the county in which you reside or at another mutually agreed location. If the value of the relief sought is $10,000 or less, you or we may elect to have the arbitration conducted by telephone or based solely on written submissions, which election shall be binding on you and us subject to the arbitrator's discretion to require an in-person hearing, if the circumstances warrant. Attendance at an in-person hearing may be made by telephone by you and/or us unless the arbitrator requires otherwise.
The arbitrator will decide the substance of all claims in accordance with the laws of the governing state identified in Section 15 above, including recognized principles of equity, and will honor all claims of privilege recognized by law. The arbitrator shall not be bound by rulings in prior arbitrations involving our other users but is bound by rulings in prior arbitrations involving the same user to the extent required by applicable law. The arbitrator's award shall be final and binding and judgment on the award rendered by the arbitrator may be entered in any court having jurisdiction thereof.
This arbitration provision shall survive termination of this Agreement to Arbitrate and the closing of your Account or your use of or access to our Services, or any products or services sold, offered, or purchased through our Services.
19. Costs of Arbitration. Payment of all filing, administration and arbitrator fees will be governed by the AAA's rules, unless otherwise stated in this Agreement to Arbitrate. If the value of the relief sought is $10,000 or less, at your request, we will pay all filing, administration, and arbitrator fees associated with the arbitration. Any request for payment of fees by us should be submitted by mail to the AAA along with your Demand for Arbitration and we will arrange to pay all necessary fees directly to the AAA. If the value of the relief sought is more than $10,000 and you can demonstrate that the costs of arbitration will be prohibitive as compared to the costs of litigation, we will pay as much of the filing, administration, and arbitrator fees as the arbitrator deems necessary to prevent the arbitration from being cost-prohibitive. In the event the arbitrator determines the claim(s) you assert in the arbitration to be frivolous, you agree to reimburse us for all fees associated with the arbitration paid by us on your behalf, which you otherwise would be obligated to pay under the AAA's rules.
20. Confidentiality. The arbitration proceedings and arbitration award shall be maintained by the parties as strictly confidential, except as is otherwise required by court order or as is necessary to confirm, vacate or enforce the award and for disclosure in confidence to the parties' respective attorneys, tax advisors and senior management and to family members of a party who is an individual.
21. Severability. Except for any of the provisions in this Agreement to Arbitrate ("Prohibition of Class and Representative Actions and Non-Individualized Relief"), if an arbitrator or court decides that any part of this Agreement to Arbitrate is invalid or unenforceable, the other parts of this Agreement to Arbitrate shall still apply. If an arbitrator or court decides that any of the provisions in Section 17 of this Agreement to Arbitrate ("Prohibition of Class and Representative Actions and Non-Individualized Relief") is invalid or unenforceable, then the entirety of this Agreement to Arbitrate shall be null and void. The remainder of the Agreement and its Legal Disputes Section will continue to apply.
22. Miscellaneous. Should any part of the Agreement be held invalid or unenforceable, that portion shall be construed consistent with applicable law and the remaining portions shall remain in full force and effect. To the extent that anything in or associated with the Site and/or any GoldIRAFinder.com offering is in conflict or inconsistent with these Terms and Conditions, these Terms and Conditions shall take precedence. Our failure to enforce any provision of the Agreement shall not be deemed a waiver of such provision nor of the right to enforce such provision. The parties do not intend that any agency or partnership relationship be created through operation of the Agreement. GoldIRAFinder.com may assign its rights and obligations under the Agreement, in whole or in part, to any party at any time without any notice to you. The Agreement, may not however, be assigned by you, and you may not delegate your duties under it. Headings are for reference purposes only and in no way define, limit, construe or describe the scope or extent of such section.
23. Contact Us. If you have any questions regarding the Agreement, would like more information on our privacy practices, wish to unsubscribe from emails from GoldIRAFinder.com or revoke any prior express written consent you may have given in order to be contacted, you may notify GoldIRAFinder.com by any of the following means: (a) by mail to 1116 Folsom St, San Francisco, CA 94103; (b) by email to [email protected]. Without limiting any of the foregoing, you can ask us to contact you in a specific way (for example, home or office phone) or to send mail to a different address. We will consider all reasonable requests, and must say yes if you tell us you would be in danger if we do not.
24. California Consumer Rights and Notices. Residents of California are entitled to the following specific consumer rights information: you may contact the Complaint Assistance Unit of the Division of Consumer Services of the Department of Consumer Affairs by mail at: 400 R St., Suite 1080, Sacramento, California 95814, or by telephone at (916) 445-1254. Their website is located at: http://www.dca.ca.gov.