Terms of Service

By accessing or using AllApprovedHere.com (the "Site"), you agree to be bound by these Terms of Service and our Privacy Policy. The Site is operated by Barrett Financial Group, LLC (NMLS #181106) ("we," "us," or "our"). If you do not agree to these terms, please do not use the Site.

Nothing on this Site constitutes a commitment, offer, or guarantee to provide financing. All loan programs, rates, terms, and qualifications described are for informational purposes only and are subject to change without notice. All loans are subject to underwriting approval, credit review, and applicable state and federal regulations. Actual rates and terms will be determined at the time of application.

Barrett Financial Group, LLC is a licensed mortgage broker:

• NMLS #181106 (Company) | NMLS #1502253 (Broker)
• Licensed in: Arizona, California, Nevada, Washington, Colorado
• Equal Housing Lender
• Not licensed to originate loans in states not listed above

NMLS Consumer Access: www.nmlsconsumeraccess.org

You agree to use the Site only for lawful purposes and in accordance with these Terms. You agree not to:

• Submit false or misleading information in any form or application
• Attempt to gain unauthorized access to any part of the Site or its systems
• Use automated tools to scrape, crawl, or extract data from the Site
• Interfere with the proper functioning of the Site
• Use the Site for any fraudulent or illegal purpose

The AI loan advisor ("Alex") on this Site is an automated tool designed to provide general information about loan programs and perform illustrative calculations. It is not a licensed loan officer and does not provide legal, financial, or tax advice. All information provided by the AI chatbot is for informational purposes only and should not be relied upon as a substitute for professional advice. Consult a licensed loan officer for specific guidance on your scenario.

The DSCR calculator and other financial tools on this Site are provided for illustrative purposes only. Results are estimates based on the inputs you provide and do not account for all factors that affect loan qualification. Actual results may vary. These tools do not constitute a loan application or pre-approval.

All content on this Site, including text, graphics, logos, and software, is the property of Barrett Financial Group, LLC or its content suppliers and is protected by applicable intellectual property laws. You may not reproduce, distribute, or create derivative works without our express written permission.

The Site may contain links to third-party websites, including the Elio platform (eliocareorg.cloud) and Arive. These links are provided for convenience only. We do not endorse or assume responsibility for the content, privacy practices, or terms of any third-party site. Access to third-party sites is at your own risk.

To the fullest extent permitted by law, Barrett Financial Group, LLC shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of the Site or reliance on any information provided herein. Our total liability to you for any claims arising from your use of the Site shall not exceed $100.

You agree to indemnify and hold harmless Barrett Financial Group, LLC, its officers, directors, employees, and agents from any claims, damages, or expenses (including reasonable attorneys' fees) arising from your use of the Site, your violation of these Terms, or your submission of false or misleading information.

These Terms shall be governed by the laws of the State of Arizona, without regard to its conflict of law provisions. Any disputes arising under these Terms shall be resolved in the state or federal courts located in Maricopa County, Arizona.

We reserve the right to modify these Terms at any time. Changes will be effective upon posting to the Site. Your continued use of the Site after changes are posted constitutes your acceptance of the revised Terms.