# RULE: Compliance Language in Marketing Content — Home Solutions TT

**Source:** adapted from `Brands/Factronics_Venezuela/01_knowledge_base/rules/Factronics_VE_Compliance_Language.md`.
**Nature:** hard reputational and legal guardrail, not a style preference. Home Solutions builds and delivers homes; it is not a lender, a law firm, or a financial advisor.

## The Rule

Home Solutions TT designs, builds, sells, and manages gated residential communities. It **does not** issue mortgages, approve financing, provide legal advice, or guarantee investment outcomes. It **partners with** banks and credit unions (Republic Bank, Scotiabank, TTMB, First Citizens, RBL, ANSA, and credit unions) and **facilitates introductions**.

All marketing content must describe **what Home Solutions does** (builds and delivers homes, facilitates financing introductions, manages communities) — never **assert an outcome** on the customer's behalf (approval, returns, price, appreciation).

## Allowed vs Not allowed

| ✅ Allowed | ❌ Not allowed |
|---|---|
| "We work with 7 banks and credit unions — we can help you explore your options." | "We'll get you approved." / "Guaranteed financing." |
| "Phase 1 is 95% occupied — here's the rental demand data." | "Guaranteed 8% rental returns." / "Guaranteed appreciation." |
| "Starting from approximately $1.2M TTD." | "This home costs $1.2M." (hard price promise) |
| "1,700 homes. 16 communities. 0 abandoned." (accurate track record) | "The best developer in Trinidad." / "Unmatched quality." |
| "The TTMF offers a 2% fixed rate on mortgages under TT$1.5M." | "You qualify for the TTMF 2% rate." |
| "Our homes are built with SPC flooring and Mitsubishi HVAC." (verified specs) | Inventing specs, amenities, or features not confirmed in the knowledge base |
| "191,000 on the HDC list. There's another way." (market-truth comparison) | Naming and insulting specific competitor developers |

## The central distinction

The difference is between **describing what Home Solutions does** and **promising a result for the buyer**.

❌ *"Guaranteed approval, guaranteed returns."* — claims an outcome Home Solutions does not control.

✅ *"We work with 7 banks, offer staggered down payments from 2% at signing, and the TTMF 2% fixed rate applies to homes under TT$1.5M. We'll help you explore your options."* — describes the actual path and lets the reader reach the conclusion.

## Positioning statement (use verbatim when describing the role of Home Solutions)

> "Home Solutions TT designs, builds, sells, and manages gated residential communities in Trinidad & Tobago. We build the home and provide the delivery track record and financing introductions that help you buy it. We are not a bank, a lender, or an investment advisor. We work with partner banks and credit unions; approval, terms, and any investment outcomes are determined by them and by you."

## Pre-publish self-check

- [ ] Does the copy describe what Home Solutions **actually does** (builds, delivers, facilitates, manages)?
- [ ] Are prices written as "starting from" or "approximately", never as a hard promise?
- [ ] Is financing framed as "we can help you explore options", never as an approval guarantee?
- [ ] Are ROI, rental yield, or appreciation statements **data-backed and non-guaranteed**?
- [ ] Are named specs (SPC flooring, Mitsubishi HVAC, hurricane glass, Aprilaire) verified against the knowledge base?
- [ ] Is the "1,700 homes. 16 communities. 0 abandoned." claim accurate and consistent?
- [ ] Zero insulting mentions of named competitors (the HDC comparison is a market hook, not an attack)?

## Phrases that are never used

- "Guaranteed approval" / "We'll get you approved"
- "Guaranteed returns" / "Guaranteed appreciation" / "Guaranteed rental yield"
- "We guarantee you'll qualify"
- "The best developer in Trinidad"
- "You qualify for the TTMF 2% rate" (say what the rate is and its price ceiling instead)
- Any hard price stated without "starting from" / "approximately"
- Any spec, amenity, or feature not confirmed in the knowledge base

## Regulatory / accuracy note

Specific financing terms (TTMF 2% fixed, the TT$1.5M ceiling, down-payment structures, participating banks) and any regulatory claims must be **verified with the client before publishing**. The rule above holds regardless of the specific program: Home Solutions never claims control over a buyer's approval, terms, or investment result.