Terms of Use

1. Eligibility and U.S. Availability

Parroli’s products, services, waitlist, Founding Member Program, and related offers are currently intended solely for individuals who are 18 years of age or older and residents of the United States. The website may be accessible outside the United States for informational purposes only. Such accessibility does not constitute an offer or solicitation in any jurisdiction where doing so would be unlawful or unauthorized.

2. Informational Purposes Only

Content on this website is provided for general informational and promotional purposes only. Nothing on this website constitutes financial, investment, tax, legal, or other professional advice, or an offer, commitment, or guarantee to provide credit, banking, investment, gold-related, or other financial products or services.

Any future Parroli product or service will be subject to applicable eligibility requirements, approvals, disclosures, agreements, fees, terms, and conditions.

3. Waitlist and Founding Member Program

Joining a waitlist, Founding Member Program, referral program, or similar program does not create a financial account, guarantee access to any product or service, guarantee approval for credit, or create any other entitlement unless expressly stated by Parroli. Parroli may modify, suspend, discontinue, or establish additional terms for such programs at any time, subject to applicable law.

Any annual percentage rates (APRs), interest rates, credit limits, fees, rewards percentages, or similar figures referenced on the website — including an illustrative target APR for gold-backed credit and an estimated or expected APR for applicants who begin with the card before purchasing gold — are preliminary estimates provided for informational purposes only. Actual rates and terms, if any, will depend on underwriting, the issuing sponsor bank, prevailing market conditions, and applicable final product terms and disclosures, and may be higher or lower than any figure shown. No specific rate, APR, credit limit, or approval is offered or guaranteed.

4. Website Content

We may modify, update, remove, or discontinue website content, features, programs, or functionality at any time. While we aim to provide accurate information, we do not guarantee that website content is complete, accurate, current, or error-free. Gold prices, rates, rewards, product features, examples, projections, and other information displayed on the website may change and should not be considered guaranteed unless expressly provided in applicable final product terms.

5. Intellectual Property

The Parroli name, trademarks, logos, website content, graphics, designs, text, and other materials are owned by or licensed to Parroli and may not be copied, reproduced, distributed, or commercially used without our prior written permission.

6. Third-Party Services

Our website may contain links to or integrations with third-party websites or services. Parroli does not control and is not responsible for third-party content, availability, security, privacy practices, or services.

7. Disclaimer and Limitation of Liability

To the fullest extent permitted by applicable law, the website and its content are provided “as is” and “as available” without warranties of any kind. To the fullest extent permitted by applicable law, Parroli and its affiliates, officers, directors, employees, and agents will not be liable for indirect, incidental, special, consequential, or punitive damages arising from or related to your use of, or inability to use, the website. Nothing in these Terms limits liability that cannot legally be limited or excluded.

8. Changes to These Terms

We may update these Terms from time to time. Updated Terms become effective when posted unless otherwise stated or required by applicable law. Your continued use of the website following an update constitutes acceptance of the updated Terms to the extent permitted by law.

9. Governing Law

These Terms are governed by the laws of the State of California, without regard to its conflict-of-law principles, except where applicable law requires otherwise.

10. Contact