The plain-English terms of using Garrison.

1. What we sell

We sell a one-time, flat-fee independent risk review of a property you're buying or already own with a VA loan. You provide property, financing, and personal details through our intake form; we research the applicable tax rules, comparable rents, and local market data, and deliver a VA Home Underwriting Report as a PDF, along with a supporting Excel workbook, by email — typically within one hour of a complete submission. A small number of submissions need a manual check on a specific number before we're comfortable sending the report; when that happens, we email you directly and deliver within one business day instead.

Current pricing: Recon ($125, 2 properties) and Sentry ($199, 5 properties). There are no subscriptions or recurring charges — each purchase unlocks a fixed number of property submissions under that plan.

2. Not financial, legal, tax, or appraisal advice

Garrison is not affiliated with, endorsed by, or acting on behalf of the Department of Veterans Affairs or any government agency. Our reports are independent, informational risk analysis only. They are not a loan approval, an appraisal, a tax determination, or legal advice, and should not be treated as a substitute for advice from a licensed lender, tax professional, appraiser, or attorney. You are responsible for independently verifying any figure in your report — especially local tax rates and loan terms — before making a purchase decision.

3. Accuracy of information you provide

Your report is only as accurate as the information you give us and the publicly available data we're able to research at the time of your order. Where you don't provide a real figure (for example, an exact insurance quote or local tax rate), we use a reasonable researched or regional estimate and label it as such in your report. We are not responsible for inaccuracies caused by incomplete or incorrect information you submit, or by changes in tax rates, insurance costs, or market conditions after your report is delivered.

4. Payment and refunds

Payment is collected in full, in advance, through Stripe. Because each report involves real research and labor performed specifically for your submitted property, all sales are final once you submit your intake form — we do not offer refunds for change of mind after that point.

We will issue a full refund if:

• You were charged but never received access to the intake form, or
• We are unable to deliver your report within a reasonable time (2 business days) of a complete submission, or
• You were charged in error or more than once for the same order.

To request a refund under any of the above, email review@garrisonriskreview.com with your reference number.

5. Acceptable use

You agree to provide accurate information, to use the service for your own property evaluations (not to resell or redistribute reports commercially), and not to attempt to disrupt, reverse-engineer, or misuse the website or our underlying systems.

6. Limitation of liability

To the maximum extent permitted by law, Garrison's total liability for any claim arising from your purchase or use of this service is limited to the amount you paid for the report at issue. We are not liable for indirect, incidental, or consequential damages, including decisions made about a property purchase based on your report.

7. Changes to these terms

We may update these terms from time to time. If we make material changes, we'll update the date at the top of this page. Continued use of the site after changes means you accept the updated terms.

8. Contact us

Questions about these terms? Email review@garrisonriskreview.com.