Terms of Service

Last Updated: February 2026

Welcome to rickbarrickteam.com. These Terms of Service (“Terms”) govern your access to and use of this website and any related services provided by Rick Barrick, Mortgage Loan Officer (“we,” “us,” or “our”). By accessing this website or submitting your information, you agree to these Terms. If you do not agree, please do not use this site.

Use of Website

This website is provided for informational purposes related to mortgage services, loan consultations, and related inquiries. You agree to use this website only for lawful purposes and in accordance with these Terms.

No Financial or Legal Advice

Information provided on this website is general in nature and does not constitute legal, financial, tax, or credit advice. Mortgage programs, rates, and qualifications vary and are subject to change. You should consult appropriate professionals before making financial decisions.

SMS Messaging Terms

By providing your mobile phone number and opting in through our website forms, landing pages, booking tools, or direct inquiries, you agree to receive SMS text messages from Rick Barrick, Mortgage Loan Officer, related to your mortgage inquiry.

Informational / Transactional Messages

With your consent, you may receive SMS messages related to your inquiry, including:

• Responses to inquiries
• Appointment confirmations
• Appointment reminders
• Application status updates
• Service-related communications

Message frequency may vary. Message and data rates may apply.

Marketing and Promotional Messages

Marketing and promotional messages will only be sent when separate, explicit consent has been provided through a dedicated opt-in checkbox.

Marketing messages may include:

• Special offers
• Rate information
• Follow-up communications
• Promotional updates

Message frequency may vary. Message and data rates may apply.

Consent to receive marketing messages is not a condition of purchase.

Opt-Out Instructions

You may opt out of receiving SMS messages at any time by replying STOP.
For assistance, reply HELP or contact us using the information provided on this website.

Carrier Liability Disclaimer

Carriers are not liable for delayed or undelivered messages.

Age Restriction

By opting in to receive SMS messages, you confirm that you are 18 years of age or older.

Mobile Information Sharing Policy

No mobile information will be shared with third parties or affiliates for marketing or promotional purposes. All categories of personal information exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.

Consent and Opt-In

SMS consent is obtained through a clear, required, and unchecked checkbox on applicable forms or through explicit verbal or written consent. Consent records are maintained for compliance purposes. Consent to receive SMS messages is not a condition of purchasing any service.

Privacy Policy

Your privacy is important to us. Personal information is collected and used in accordance with our Privacy Policy.

Please review our Privacy Policy here:
https://rickbarrickteam.com/privacy-policy

Third-Party Links

This website may contain links to third-party websites for convenience. We are not responsible for the content, policies, or practices of third-party sites.

Intellectual Property

All content on this website, including text, graphics, logos, and images, is the property of Rick Barrick or its licensors and may not be copied, reproduced, or distributed without permission.

Limitation of Liability

We are not liable for any direct, indirect, incidental, or consequential damages resulting from your use of this website or reliance on information provided herein.

Modifications to These Terms

We may update these Terms at any time. Updates will be posted on this page with the revised “Last Updated” date. Continued use of the website constitutes acceptance of the updated Terms.

Contact Information

If you have questions about these Terms or our services, you may contact us using the information provided on this website.