Terms of Use
Last updated: October 28, 2026
Welcome to Golden Cred. These Terms of Use (“Terms”) govern your access to and use of the website https://goldencred.blog (the “Website”), which is owned and operated by Orvian Media LLC, a Florida limited liability company (“we”, “us”, “our”).
By accessing or using the Website, you agree to these Terms. If you do not agree, please do not use the Website. How we handle personal data is described separately in our Privacy Policy and Cookie Policy.
1. About Golden Cred
Golden Cred is an independent, ad-supported editorial website that publishes informational content about personal finance, credit, scholarships, travel, visas and international work opportunities. We are not a bank, lender, financial advisor, law firm, immigration consultant, recruitment agency or employer.
2. Informational Content Only – No Professional Advice
All content on the Website is provided for general informational and educational purposes only. It does not constitute financial, investment, legal, tax or immigration advice, and should not be relied upon as a substitute for advice from a qualified professional. Before making financial decisions or applying for a visa, scholarship or job, always confirm the information with the official institution or a licensed professional.
We work to keep our content accurate and up to date, but rules, rates, requirements and programs change frequently. We do not guarantee that any information is complete, current or applicable to your situation.
3. Visas, Jobs and Scholarships
- Golden Cred does not offer jobs, visas, sponsorships or scholarships, does not process applications, and is not affiliated with any employer, recruiter, embassy or government agency mentioned in our articles, unless expressly stated.
- Articles about visa sponsorship, work opportunities or scholarships are informational summaries. Always apply through the official website of the employer, institution or government authority.
- We will never ask you to pay to receive a job, visa, scholarship, loan or any other product, and we never request payments by email, WhatsApp, social media or messaging apps. If anyone claiming to represent Golden Cred asks you for money or personal documents, do not pay or send anything, and report it to us immediately at contact@goldencred.blog.
- Be cautious of any offer that requires upfront fees. Legitimate employers and official immigration programs publish their procedures and fees on their own official channels.
4. Financial Products and Offers
When we mention credit cards, loans or other financial products, the final terms, rates, fees and approval decisions are set solely by the issuing institution. Golden Cred does not issue credit, does not guarantee approval and is not responsible for any product or service provided by third parties. Always read the issuer’s official terms before applying.
5. Advertising Disclosure
Golden Cred is funded by advertising. Ads on the Website are served through Google Ad Manager and its certified advertising partners. Advertisements are clearly separated from our editorial content and do not represent an endorsement by Golden Cred of the advertised products or services.
Google and its partners may use cookies and similar technologies to serve and measure ads and, where you have given consent, to personalize them. You can manage your choices at any time through our Privacy & Cookie Settings and, if you are a U.S. resident, through the “Your Privacy Choices” link in the footer. For more information, see our Cookie Policy and How Google uses information from sites that use its services.
6. Affiliate Disclosure and Editorial Independence
Some articles contain affiliate links. If you click on one and make a purchase or sign up, we may receive a commission at no additional cost to you. This compensation may affect where products appear on the Website, but it does not influence our editorial opinions, reviews or recommendations. We do not include every product or offer available on the market.
7. Cookies and Personal Data
Non-essential cookies (analytics and advertising) are only used in accordance with your choices in our consent banner, where consent is required by law. Simply using the Website does not mean you consent to non-essential cookies. Details about the data we collect, the legal bases, your rights and how to exercise them are in our Privacy Policy and Cookie Policy.
8. Acceptable Use
You agree to use the Website only for lawful purposes. You must not:
- Attempt to gain unauthorized access to the Website, its servers or related systems;
- Introduce viruses, malware or any harmful code;
- Scrape, copy or harvest content or data by automated means without our written permission;
- Generate fraudulent or invalid ad impressions or clicks, or encourage others to do so;
- Impersonate Golden Cred, Orvian Media LLC or any of our authors;
- Use the Website or our name to promote scams, fraudulent offers or misleading content.
9. Intellectual Property
All content on the Website, including text, images, graphics, logos and design, is owned by Orvian Media LLC or used under license, and is protected by copyright and other intellectual property laws. You may view and share links to our content for personal, non-commercial use. Any reproduction, redistribution or modification without our prior written permission is prohibited.
If you believe any content on the Website infringes your copyright, contact us at contact@goldencred.blog with details of the work and the infringing material, and we will review and act on your notice promptly.
10. Third-Party Links
The Website may contain links to third-party websites, including official sources, partners and advertisers. We do not control and are not responsible for the content, terms, privacy practices or availability of external websites. Accessing them is at your own risk, and their own terms and policies apply.
11. Disclaimer of Warranties
The Website and its content are provided “as is” and “as available”, without warranties of any kind, express or implied, including warranties of accuracy, fitness for a particular purpose or non-infringement, to the fullest extent permitted by law. We do not guarantee that the Website will be uninterrupted, secure or error-free.
12. Limitation of Liability
To the fullest extent permitted by law, Orvian Media LLC and its members, authors and partners will not be liable for any direct, indirect, incidental, consequential or special damages arising from your use of, or inability to use, the Website or its content, or from any decision made based on information published on the Website. Nothing in these Terms excludes or limits liability that cannot be excluded or limited under applicable law.
13. Changes to These Terms
We may update these Terms from time to time. The updated version will be posted on this page with a new “Last updated” date. Significant changes will be highlighted on the Website. Your continued use of the Website after changes take effect means you accept the updated Terms.
14. Governing Law and Jurisdiction
These Terms are governed by the laws of the State of Florida, United States of America, without regard to its conflict-of-law principles. Any disputes arising out of or relating to these Terms are subject to the exclusive jurisdiction of the state and federal courts located in Orange County, Florida, United States.
If you access the Website from outside the United States, including from the European Economic Area, the United Kingdom, Brazil or South Africa, you keep any mandatory consumer-protection and data-protection rights granted by the laws of your country of residence (such as the GDPR, the Brazilian LGPD and Consumer Protection Code, or South Africa’s POPIA), which are not waived by this clause.
15. Contact Us
Orvian Media LLC
8080 Essex Point Circle, Suite 3218, Orlando, FL 32819, United States
General inquiries: contact@goldencred.blog
Privacy requests – Data Protection Officer (Paulo Junior): paulo@orvianmedia.io