TERMS OF USE

Effective Date: 1/13/2026

Welcome to scoutadvisors.com (the “Website”), operated by ScoutAdvisors.com, LLC d/b/a Scout Advisors (“Scout Advisors,” “we,” “us,” or “our”). Scout Advisors is a branch of Barrett Financial Group, LLC and provides information about mortgage products and services.

By accessing or using the Website, you agree to be bound by these Terms of Use (“Terms”). If you do not agree with these Terms, you must not access or use the Website. We may update these Terms from time to time; your continued use after changes constitutes acceptance of the updated Terms. Check this page periodically for updates.

1. Use of Website

The Website is provided for informational purposes only. It offers general information about mortgage products (conventional, FHA, VA, USDA, etc.), calculators, rates, and contact forms. Nothing on the Website constitutes a loan application, commitment to lend, offer to lend, or solicitation where prohibited by law.

2. No Loan Commitment or Advice

This is not a commitment to make a loan. All mortgage loans are subject to borrower qualification, including but not limited to: credit approval, income verification, property appraisal/evaluation, sufficient equity (for refinances), debt-to-income ratios, and compliance with underwriting guidelines. Rates, terms, and programs are subject to change without notice and may vary based on your individual circumstances.

No information on the Website should be construed as financial, tax, legal, or mortgage advice. You should consult qualified professionals (e.g., mortgage loan originator, accountant, attorney) for personalized guidance.

3. Eligibility

You must be at least 18 years old (or the age of majority in your jurisdiction) to use the Website. By using the Website, you represent that you meet this requirement and that all information you provide is accurate and current.

4. Intellectual Property

All content on the Website (text, graphics, logos, calculators, images, software) is owned by Scout Advisors or its licensors and protected by U.S. copyright, trademark, and other laws. You may view and print content for personal, non-commercial use only. No reproduction, distribution, modification, or commercial use is permitted without our prior written consent.

5. Third-Party Links and Content

The Website may contain links to third-party sites or services (including affiliate partners). We do not endorse, control, or assume responsibility for the content, privacy practices, or availability of those sites. Your interactions with third parties are solely between you and them.

6. Mortgage Licensing and Disclosures

Scout Advisors is a branch of Barrett Financial Group, L.L.C.  Visit our Licensing page for more information.

Scout Advisors is also licensed by the North Carolina Real Estate Commission (License 38081)

For a list of state licenses and individual loan originator NMLS IDs, visit www.nmlsconsumeraccess.org

We comply with applicable federal and state mortgage advertising laws, including Regulation Z (Truth in Lending Act) requirements for clear and conspicuous disclosures of rates, payments, and terms when advertised.

7. Disclaimer of Warranties

THE WEBSITE AND ALL CONTENT ARE PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY, COMPLETENESS, TIMELINESS, OR NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE WEBSITE WILL BE ERROR-FREE, SECURE, OR UNINTERRUPTED, OR THAT DEFECTS WILL BE CORRECTED.

8. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW, SCOUT ADVISORS, ITS AFFILIATES (INCLUDING Barrett Financial Group, LLC), OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM YOUR USE OF OR INABILITY TO USE THE WEBSITE, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. IN NO EVENT SHALL OUR TOTAL LIABILITY EXCEED $100.

9. Indemnification

You agree to indemnify, defend, and hold harmless Scout Advisors and its affiliates from any claims, losses, liabilities, damages, costs, and expenses (including reasonable attorneys’ fees) arising from your use of the Website, violation of these Terms, or violation of any law or third-party rights.

10. Governing Law and Dispute Resolution

These Terms are governed by the laws of the State of North Carolina, without regard to conflict of law principles. Any disputes shall be resolved exclusively in the state or federal courts located in Wake County, North Carolina. You waive any objection to venue or inconvenience of forum.

11. Arbitration &  Class Action Waiver

PLEASE READ THIS SECTION CAREFULLY – IT AFFECTS YOUR LEGAL RIGHTS.

You and Scout Advisors agree that any dispute, claim, or controversy arising out of or relating in any way to your access to or use of the Website, these Terms, or the relationship between you and us (including any affiliates) (a “Claim”) shall be resolved exclusively by final and binding arbitration administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules (or another mutually agreed-upon arbitration provider and rules), except where prohibited by applicable law.

Arbitration will be conducted on an individual basis only. YOU AND WE EACH WAIVE ANY RIGHT TO PARTICIPATE IN A CLASS ACTION, CONSOLIDATED ACTION, PRIVATE ATTORNEY GENERAL ACTION, OR ANY OTHER REPRESENTATIVE PROCEEDING. The arbitrator may not consolidate claims of more than one person or preside over any form of class or representative proceeding.

This arbitration provision does not apply to claims that cannot lawfully be subject to arbitration under federal law (including, without limitation, any claims related to residential mortgage loans under the Truth in Lending Act or Dodd-Frank Act). You may opt out of this arbitration provision by sending written notice to us at the address in Section 12 within 30 days of first accepting these Terms (or within 30 days of any material change to this provision).

The arbitrator’s decision will be final and binding, and judgment on the award may be entered in any court having jurisdiction. Each party bears its own costs and attorneys’ fees unless the arbitrator awards otherwise under applicable law.

12. Miscellaneous

• These Terms, together with our Privacy Policy, constitute the entire agreement between you and us regarding the Website.
• If any provision is held invalid, the remainder remains in effect.
• Our failure to enforce any right does not waive that right.
• We may assign these Terms; you may not assign them without our consent.

12. Contact Us

If you have questions about these Terms, contact us at: info@scoutadvisors.com 919-480-1725 206 Raleigh Street, Suite 203, Fuquay Varina, NC 27526

Thank you for visiting scoutadvisors.com.