Terms & Conditions

Effective Date: July 10, 2026

About GoldPen Finance

GoldPen Finance Service Corp is a mortgage brokerage that acts as an intermediary between borrowers and lenders in the mortgage origination process. GoldPen Finance Service Corp is not a direct lender.

Our GoldPen Finance Portal Verification SMS program is used solely to send user-requested authentication codes for access to our client portal. It does not send loan offers, marketing, or loan-status updates. Loan-file notifications belong to a separate messaging program with separate consent.

Our Two SMS Programs

GoldPen Finance Service Corp operates two separate text messaging programs. They have separate purposes and separate consent. Agreeing to one does not enrol you in the other.

GoldPen Finance SMS Notification Program — updates about your loan file.
GoldPen Finance Portal Verification — one-time sign-in codes for the client portal.

1. GoldPen Finance SMS Notification Program

By providing your mobile phone number and opting in, you agree to receive text messages from GoldPen Finance Service Corp related to your mortgage loan, including status updates, document requests, and appointment reminders.

Program Description

This program sends transactional, non-marketing text messages regarding active loan files, including but not limited to: loan status updates, requests for signatures or documents, and appointment confirmations and reminders.

Message Frequency

Message frequency varies depending on the status and activity of your loan file. You should generally expect up to 8 messages over the life of an active file.

This figure describes the Notification Program only. It does not describe portal verification codes, which are sent one at a time and only when you ask to sign in — see below.

2. GoldPen Finance Portal Verification

When you sign in to the GoldPen One client portal, we send a one-time verification code by text message to the mobile number on your loan file. This is an authentication program: it carries no marketing, no promotions and no loan updates.

Portal Verification — How to Opt In

You opt in on the portal sign-in page by ticking the consent box before you request a code. The box is never pre-selected, and sign-in cannot proceed without it. This consent is separate from the Notification Program above.

Portal Verification — Message Frequency

Frequency is entirely driven by you: one message per sign-in request, and one more each time you choose to resend the code. We do not send verification codes you did not ask for. Codes expire ten minutes after they are issued.

Delivery of a text message depends on your mobile carrier and your device, and we cannot guarantee that any given message will arrive.

Message and Data Rates

Message and data rates may apply to both programs. Charges will depend on your mobile carrier and plan.

Notification Program — How to Opt In

You may opt in by providing your mobile phone number and consenting to receive text messages through our client engagement agreement or online intake form, or by texting START to reactivate messages after opting out.

How to Opt Out

You may opt out at any time by replying STOP to a message you received from us. Opting out applies to the program and the sending number you replied to. Replying STOP to a loan notification stops the Notification Program’s messages. Replying STOP to a portal verification code stops new verification codes from that sender, and while you are opted out you will not be able to receive a sign-in code by text message until you opt back in.

After you send STOP, we will send a one-time confirmation that you have been unsubscribed, and you will receive no further messages from that program unless you opt back in.

How to Opt Back In

Reply START to the same number to begin receiving messages from that program again. If you cannot sign in to the portal because you opted out, you can also reach us at info@goldpenfinance.com or 786-686-9899.

Help (both programs)

For help, reply HELP to any message, or contact us directly at info@goldpenfinance.com or 786-686-9899.

Carrier Liability

Carriers are not liable for delayed or undelivered messages.

Changes to These Terms

We may update these terms from time to time. Continued participation in the program after changes take effect constitutes acceptance of the revised terms.

Contact Information

GoldPen Finance Service Corp
9835 SW 72nd St, Suite 211
Miami, FL 33173
Phone: 786-686-9899
Email: info@goldpenfinance.com