1. Overview

By opting in, you agree to receive SMS messages from Lending Garrett Financial Group ("we," "us," "our") (the "Messaging Program"), and you agree to these Terms & Conditions ("Terms"). Our Messaging Program is an Application to Person (A2P) service delivered over carrier‑sanctioned channels, including 10 Digit Long Code (10DLC). Message frequency may vary. Message & data rates may apply.

If you opt-in to The Messaging Program, Garrett Financial Group will send you messages related to the status of your Mortgage Loan Application.

You may also opt-in to receive periodic marketing messages with a separate confirmation.

Carriers are not liable for delayed or undelivered messages. Consent to receive SMS messages is not a condition of purchase. Additional details follow.

2. Eligibility & Program Description

The Messaging Program may include (as applicable): account alerts, appointment reminders, transactional notifications, and customer support messages. The nature and frequency of messages will be disclosed at the point of opt‑in. Message frequency varies. Standard message and data rates may apply.
 

3. Consent to Receive Messages

3.1 Prior Consent Required

You must provide valid consent before we send you messages. For informational messages, express consent is required; for marketing messages, prior express written consent is required (electronic signatures accepted).
References: TCPA (47 U.S.C. § 227); FCC TCPA Rules.

3.2 How We Collect Consent

Consent may be collected via:

(a) web forms with an unchecked checkbox;

(b) SMS keyword opt‑in;

(c) paper or electronic forms; or

(d) voice enrollment with appropriate disclosures.
We record and maintain consent evidence and may be asked by carriers to produce it.

3.3 Consent Disclosures (At Opt‑in)

At the time of opt‑in, we disclose: our business name, message purpose, message frequency, that message/data rates may apply, links to these Terms and our Privacy Policy, and how to get help or opt out.

4. Opt‑Out / Stop Commands

You can opt out at any time by texting STOP to any message. After you send STOP, you may receive one final message confirming your opt‑out. You may also opt out via [email protected]. We honor opt‑out requests promptly and within carrier‑required timeframes.

5. Help / Support Commands

Reply HELP for assistance. You can also contact us at [email protected] or (313) 580‑1020.
 

6. Message Types & Quiet Hours

6.1 Message Types

We send transactional or informational messages to customers who have given consent; marketing messages are only sent with prior express written consent.
References: TCPA (47 U.S.C. § 227).

6.2 Quiet Hours

We strive to send marketing messages only between 8:00 a.m. and 9:00 p.m. local time for the recipient, consistent with prevailing industry practices and applicable laws.
 

7. Program Registration & A2P Compliance

7.1 10DLC Registration

We register our brand and campaigns with The Campaign Registry (TCR) or through our messaging provider, as required by U.S. carriers, and maintain accurate campaign use cases and sample messages.
 

7.2 CTIA Guidelines

We follow CTIA Messaging Principles and Best Practices, including clear calls to action, opt‑in confirmation for recurring programs, opt‑out support, brand identification in messages, and avoidance of snowshoeing or other evasion tactics.
 

7.3 Carrier & Aggregator Policies

Our Messaging Program is subject to policies of carriers and connectivity partners. Messages may be blocked or filtered if they violate content, consent, frequency, or throughput rules. We monitor performance and compliance and may suspend messaging to protect recipients and comply with carrier directives. Carriers are not liable for delayed or undelivered messages.
 

8. Prohibited Content

We prohibit sending messages that are unlawful, deceptive, fraudulent, threatening, harassing, or otherwise unwanted; that promote illegal substances, hate, or violence; or that include phishing, malicious links, or attempts to evade filters (e.g., snowshoeing, grey routes). Embedded links or numbers must not mislead recipients.
 

9. Data Privacy & Security

We maintain and conspicuously display a clear, easy‑to‑understand Privacy Policy describing data collection, use, sharing (including that we do not sell consent lists), and security controls. We implement reasonable physical, administrative, and technical safeguards and conduct periodic reviews.
See our Privacy Policy: https://gfgrates.com/privacy-policy/.
 

10. Fees & Charges

Your carrier's message and data rates may apply. We do not charge you for receiving standard program messages; however, premium services (if any) will be disclosed at opt‑in with applicable fees.
 

11. User Responsibilities

You represent that:

(a) you are the account holder or customary user of the mobile number you provide;

(b) you have authority to consent to receive messages; and

(c) you will notify us if the number changes or is reassigned.
We may confirm your number via message or call and may employ reasonable measures to address number reassignments.
 

12. Program Changes & Suspension

We may modify or suspend the Messaging Program, or change message frequency, content, or channels, in response to carrier requirements, regulatory changes, or business needs. Material changes will be communicated via message or website notice.

13. Disclaimers; Limitation of Liability

Messaging is provided "as is" and "as available." Delivery is subject to carrier networks and may be delayed or undelivered. To the maximum extent permitted by law, we are not liable for indirect, incidental, or consequential damages related to messaging, except as required by applicable law. This clause does not limit any rights or remedies under the TCPA or similar statutes.
 

14. Entire Agreement; Updates

These Terms constitute the entire agreement between you and Garrett Financial Group regarding the Messaging Program. We may update these Terms periodically. Updates will be posted on our website with the "Last updated" date above. Continued use of the Messaging Program constitutes acceptance of the updated Terms.

15. Supported Carriers & Delivery

Delivery of messages is subject to the coverage and performance of mobile carriers and networks. Not all carriers or devices support all message types (e.g., MMS, links, images). Carrier or aggregator maintenance windows may temporarily disrupt delivery.

16. Contact Methods & Short Code/Long Code

Unless expressly stated otherwise, messages will be sent from our registered A2P numbers and/or approved short code. For STOP and HELP commands, use the phone number associated with your opt‑in. If you opt in through multiple programs or numbers, you may need to opt out separately for each.

17. Accessibility

We strive to make our Messaging Program accessible. If you require assistance or alternate formats, contact [email protected] or (313) 580‑1020.

18. Age Restiction

By creating an account or subscribing to our newsletter, you represent and warrant that you are at least 18 years of age (or the age of majority in your state of residence) and possess the legal right and capacity to enter into these Terms and Conditions. If you are under 18, you may not use our services or opt into our marketing communications

19. Contact Preferences

You may manage preferences (e.g., marketing vs. transactional) via our opt‑in flow or account settings (if available). Opting out of marketing messages does not affect transactional messages required to service your account (where permitted by law and with appropriate consent).

20. Privacy Questions

If you have any questions regarding privacy, please read our privacy policy: Privacy Policy

Contacting us

If you have any questions about this Terms & Conditions, the practices of this site, or your dealings with this site, please contact us at:

Garrett Financial Group, LLC.
2000 Oakley Park Rd. Suite 204B
Commerce Twp, MI 48390
(313) 580-1020 [email protected]
This document was last updated on 2/11/2026