Last Updated: May 17, 2026
These Terms of Service (“Terms”) govern your use of the website located at gcloan.com (the “Site”) and any services offered through it by Guardian Enterprises, Inc DBA Guardian Capital (“Guardian Capital,” “we,” “us,” or “our”), a California licensed mortgage lender, NMLS #272223. By accessing or using the Site, you agree to be bound by these Terms.
1. Use of the Site
You may use the Site only for lawful purposes and in accordance with these Terms. You agree not to use the Site:
- In any way that violates any applicable federal, state, local, or international law or regulation
- To transmit any advertising or promotional material without our prior written consent
- To impersonate or attempt to impersonate Guardian Capital, a Guardian Capital employee, another user, or any other person or entity
- To engage in any other conduct that restricts or inhibits anyone’s use or enjoyment of the Site
2. SMS and Text Message Communications
By submitting a HELOC inquiry form on this Site and checking the SMS consent box, you expressly consent to receive automated text messages from Guardian Capital regarding your inquiry, including acknowledgment of receipt, follow-up communications, and information related to your potential loan application. Message and data rates may apply. Message frequency varies based on your inquiry status. You may opt out at any time by replying STOP to any message. For assistance, reply HELP or contact us at ali@gcloan.com. Consent to receive text messages is not a condition of obtaining any loan or service from Guardian Capital.
3. No Loan Offer or Commitment
Information provided on this Site does not constitute a commitment to lend, a pre-approval, or an offer to extend credit. All loan applications are subject to underwriting review, credit approval, property appraisal, and verification of the information provided. Interest rates, loan terms, and product availability are subject to change without notice. Guardian Capital makes no guarantee that any specific loan product, rate, or term will be available to any applicant.
4. Licensing and Regulatory Compliance
Guardian Capital is a California licensed mortgage lender operating under NMLS #272223. We comply with applicable federal lending laws including the Truth in Lending Act (TILA), the Real Estate Settlement Procedures Act (RESPA), the Equal Credit Opportunity Act (ECOA), and the SAFE Mortgage Licensing Act, as well as California state lending regulations administered by the California Department of Financial Protection and Innovation (DFPI) and the California Department of Real Estate (DRE) as applicable.
5. Equal Housing Opportunity
Guardian Capital is an Equal Housing Lender. We do not discriminate on the basis of race, color, religion, national origin, sex, marital status, age, disability, familial status, or because all or part of an applicant’s income is derived from any public assistance program, or because an applicant has in good faith exercised any rights under the Consumer Credit Protection Act.
6. Privacy
Your use of the Site is also governed by our Privacy Policy, which describes how we collect, use, and protect your personal information. By using the Site, you consent to the data practices described in the Privacy Policy.
7. Intellectual Property
All content on the Site, including text, graphics, logos, images, and software, is the property of Guardian Capital or its licensors and is protected by United States and international copyright laws. You may not reproduce, distribute, modify, or create derivative works of any content on the Site without our prior written permission.
8. Third-Party Links
The Site may contain links to third-party websites. We are not responsible for the content, accuracy, or practices of any third-party websites and provide such links solely for your convenience.
9. Disclaimer of Warranties
The Site and all content are provided “AS IS” and “AS AVAILABLE” without warranties of any kind, either express or implied. We do not warrant that the Site will be uninterrupted, error-free, secure, or free from viruses or other harmful components.
10. Limitation of Liability
To the fullest extent permitted by law, Guardian Capital shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or relating to your use of the Site, even if we have been advised of the possibility of such damages.
11. Indemnification
You agree to indemnify, defend, and hold harmless Guardian Capital, its officers, directors, employees, and agents from any claim, liability, damage, or expense arising out of your use of the Site or your violation of these Terms.
12. Governing Law and Jurisdiction
These Terms are governed by the laws of the State of California, without regard to its conflict of laws provisions. Any dispute arising out of or relating to these Terms or the Site shall be resolved exclusively in the state or federal courts located in Orange County, California, and you consent to the personal jurisdiction of such courts.
13. Changes to These Terms
We may update these Terms from time to time. The “Last Updated” date at the top of this page indicates when these Terms were last revised. Your continued use of the Site after any changes constitutes acceptance of the updated Terms.
14. Contact Us
Questions about these Terms? Contact us at:
Guardian Capital
Guardian Enterprises, Inc
23046 Avenida De La Carlota, Suite 601
Laguna Hills, CA 92653
Email: ali@gcloan.com
Phone: (949) 616-3600
NMLS #272223