Terms & Conditions
Effective Date: January 1, 2026
Welcome to NewPath Consulting ("Company," "we," "us," or "our"). By using our website, services, or communicating with us via phone, email, or SMS, you agree to these Terms & Conditions. Please read them carefully.
1. Services
NewPath Consulting provides financial consulting services, including personal loan consulting, business loan consulting, and debt consolidation guidance. We are a consulting firm — we are not a lender and do not make credit decisions. We help clients understand their options and connect them with appropriate lending partners.
2. SMS Program Terms
Program Name: NewPath Consulting SMS Notifications
Program Description: By opting in to NewPath Consulting's SMS program, you consent to receive text messages related to your financial consulting inquiry, including responses to your inquiries, loan consultation follow-ups, appointment reminders, documentation requests, and status updates on your engagement with our firm.
Message Frequency: Message frequency varies depending on your engagement with our services. You may receive up to 5 messages per month.
Message & Data Rates: Message and data rates may apply. Please contact your wireless carrier for details about your text messaging plan.
Opt-Out
You can cancel SMS messages at any time by texting STOP to any message you receive from us. After sending STOP, you will receive a one-time confirmation message, and no further SMS messages will be sent. You may also opt out by contacting us at info@newpathfin.com or calling (949) 569-5798.
Help
For support, text HELP to any message you receive from us, call us at (949) 569-5798, or email info@newpathfin.com.
Consent
By submitting your phone number on our website or providing verbal consent during a phone consultation, you agree to receive SMS messages from NewPath Consulting. Consent is not a condition of purchase or receiving our consulting services. You may revoke consent at any time.
Privacy
Your phone number and personal information are never sold or shared with third parties for marketing purposes. For full details, see our Privacy Policy.
3. Use of Our Website
You agree to use our website and services only for lawful purposes. You may not:
- Provide false, inaccurate, or misleading information
- Interfere with the operation of our website or services
- Attempt to gain unauthorized access to our systems
- Use our services for any illegal or fraudulent purpose
4. No Guarantee of Loan Approval
NewPath Consulting provides consulting and guidance services only. We do not guarantee loan approval, specific interest rates, or any particular outcome. Loan approval is subject to the lender's underwriting criteria, credit evaluation, and other factors outside of our control.
5. Limitation of Liability
To the fullest extent permitted by law, NewPath Consulting shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including loss of profits, data, or other intangible losses, resulting from your use of our services, any lending decisions, or any third-party actions.
6. Intellectual Property
All content on our website, including text, graphics, logos, and design, is the property of NewPath Consulting and is protected by applicable intellectual property laws. You may not reproduce, distribute, or create derivative works from our content without prior written consent.
7. Third-Party Links
Our website may contain links to third-party websites or services. We are not responsible for the content, policies, or practices of any third-party sites. Access to third-party links is at your own risk.
8. Changes to These Terms
We reserve the right to modify these Terms & Conditions at any time. Updated terms will be posted on this page with a new effective date. Your continued use of our services after any changes constitutes your acceptance of the revised terms.
9. Governing Law
These Terms & Conditions are governed by and construed in accordance with the laws of the State of California, without regard to its conflict of law provisions.
10. Contact Information
If you have questions about these Terms & Conditions, please contact us:
Last updated: January 1, 2026
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