Privacy Policy & Terms of Use

This page combines the Privacy Policy and Terms of Use for SolarMortgageGuide.com (the "Site"), operated by Robert St. John, a mortgage loan officer with Barrett Financial Group, L.L.C. (NMLS #181106). The Privacy Policy explains how we handle information you share with us; the Terms of Use explain the rules for using this Site. By using the Site, you agree to both.

Privacy Policy

Information We Collect

When you use the Site, we may collect information you voluntarily provide, including your name, phone number, email address, property location, general property and financial information (such as estimated property value and approximate credit-score range), and preferred contact method. We do not request Social Security numbers, complete dates of birth, bank-account information, or other highly sensitive financial information through this Site.

We also automatically collect certain technical information, including IP address, browser and device type, pages viewed, referring website, and interactions with the Site, using cookies and similar technologies described below.

How We Use Information

• To respond to your eligibility questionnaire and follow up regarding the FHA Solar Mortgage Program
• To schedule and manage appointments, including through our Calendly scheduling tool
• To communicate with you by phone, text message, and email as described in our consent disclosures
• To operate, maintain, and improve the Site, including through analytics and advertising measurement
• To comply with applicable law and industry requirements

Cookies and Tracking Technologies

The Site uses cookies and similar technologies to support analytics (such as Google Analytics 4), advertising measurement (such as Google Ads and Meta/Facebook Pixel), and functionality such as remembering your progress in the eligibility questionnaire. You can control cookies through your browser settings. [Insert details of any cookie-consent banner or preference tool used, if required for applicable states.]

How We Share Information

We do not sell your personal information. We may share information with:

• Barrett Financial Group, L.L.C. personnel involved in processing your inquiry or loan application
• Service providers who help us operate the Site, manage leads, or provide scheduling (such as Calendly) and marketing analytics
• An approved solar provider, if you choose to proceed with a solar installation as part of your transaction
• As required by law, regulation, or legal process

Your Choices

You may opt out of marketing text messages at any time by replying STOP. You may opt out of marketing emails using the unsubscribe link included in those emails. You may request access to, correction of, or deletion of your personal information, subject to applicable law and our recordkeeping obligations as a licensed mortgage business, by contacting us using the information on our Contact page.

Data Security

We use reasonable administrative, technical, and physical safeguards designed to protect information submitted through the Site. No method of transmission or storage is completely secure, and we cannot guarantee absolute security.

Children's Privacy

This Site is not directed to individuals under the age of 18, and we do not knowingly collect personal information from children.

State-Specific Privacy Rights

[Insert applicable state privacy disclosures, such as California, Colorado, Connecticut, Utah, Virginia, or other state privacy law disclosures, as directed by compliance counsel.]

Terms of Use

Advertising, Not an Offer

This Site is an advertisement and does not constitute an offer to enter into an agreement. Program descriptions on this Site are general in nature and subject to change without notice. Nothing on this Site is a commitment to lend.

No Guarantee of Eligibility or Approval

Not all applicants will qualify for the FHA Solar Mortgage Program or any other loan program described on this Site. All loans are subject to credit, income, asset, property, appraisal, occupancy, lender, FHA, solar-provider, and program requirements, and are subject to change without notice.

Use of the Site

You agree to use the Site only for lawful purposes and to provide accurate information when completing the eligibility questionnaire or contacting us. You may not use the Site in any way that could damage, disable, or impair the Site or interfere with any other party's use of the Site.

Intellectual Property

All content on this Site, including text, graphics, logos, and design elements, is owned by or licensed to Robert St. John and/or Barrett Financial Group, L.L.C. and is protected by applicable intellectual property laws. You may not reproduce, distribute, or create derivative works from this content without prior written permission.

Third-Party Links and Services

The Site may link to third-party services, including Calendly for scheduling. We are not responsible for the content, privacy practices, or terms of third-party websites or services.

No Professional or Tax Advice

Information on this Site is provided for general informational purposes only and does not constitute tax, legal, or financial advice. Borrowers should consult a qualified tax professional regarding their individual tax treatment of any program compensation.

Disclaimer of Warranties

The Site is provided "as is" without warranties of any kind, whether express or implied. Solar production, utility savings, tax benefits, and increased property value are not guaranteed.

Limitation of Liability

To the fullest extent permitted by law, Robert St. John and Barrett Financial Group, L.L.C. will not be liable for any indirect, incidental, or consequential damages arising from your use of the Site.

Governing Law

[Insert governing law/jurisdiction as directed by compliance counsel.]

Changes to This Page

We may update this Privacy Policy and Terms of Use from time to time. Continued use of the Site after changes are posted constitutes acceptance of the revised terms. The "Last updated" date above reflects the most recent revision.

Contact Us

Questions about this Privacy Policy or these Terms of Use can be directed to us through our Contact page or by calling 866-845-6267.