Terms of Service

Last Updated: Dec 22, 2025

Welcome to the Neighborhood Housing Development Corporation (NHDC) website. By accessing or using this website, submitting information through our forms, or communicating with us electronically (including by text message), you agree to be bound by these Terms of Service. If you do not agree, please do not use this website or our services.

1. Use of Website

You agree to use this website and its forms for lawful purposes only. You may not use the site in any way that violates applicable laws or regulations, infringes on the rights of others, or interferes with the operation or security of the site.

2. Nature of Services

NHDC provides housing counseling, education, coaching, and related community services. Information provided on this website is for general informational purposes only and does not constitute legal, financial, or lending advice. Participation in NHDC programs does not guarantee loan approval, financial assistance, or housing outcomes.

3. Submission of Information

When you submit information through this website (including contact forms, registrations, or inquiries), you agree that:

The information you provide is accurate and complete to the best of your knowledge
You understand that submitting a form does not automatically enroll you in a program
Additional documentation or eligibility requirements may apply depending on the service

Important:
Sensitive personal and financial documents (such as Social Security numbers, bank statements, tax returns, or identification) should only be submitted through secure channels designated by NHDC and not through general website contact forms unless explicitly instructed.

4. Text Messaging (SMS) Terms & Consent

By providing your phone number and opting in through our website or other approved channels, you consent to receive text messages from NHDC related to:

Appointment confirmations and reminders
Program updates and follow-ups
Class registrations and notifications
Requests for next steps or documentation
Client engagement and coaching communications

Opting Out

You may opt out of SMS communications at any time by replying STOP to any message. You will receive a confirmation of your opt-out and will no longer receive text messages from NHDC unless you re-enroll.

Help

For assistance, reply HELP to any message or contact us directly using the information below.

Message & Data Rates

Message and data rates may apply. Carriers are not responsible for delayed or undelivered messages.

5. Data Privacy & Confidentiality

NHDC takes data privacy seriously and implements administrative, technical, and physical safeguards to protect personal information. Our full data practices, including how we collect, use, store, and protect information, are detailed in our Privacy Policy, which is incorporated into these Terms by reference.

Click here to view NHDC’s Privacy Policy

6. Intellectual Property

All content on this website, including text, graphics, logos, documents, and materials, is the property of NHDC or its licensors and is protected by applicable intellectual property laws. You may not reproduce, distribute, or use any content without written permission.

7. Third-Party Services & Links

This website may reference or link to third-party platforms, educational providers, or partner organizations. NHDC is not responsible for the content, security, or privacy practices of third-party sites or services.

8. No Guarantees

NHDC makes no guarantees regarding eligibility, funding availability, program acceptance, or outcomes. Participation in counseling or education programs does not ensure financial assistance, loan approval, or housing placement.

9. Limitation of Liability

To the fullest extent permitted by law, NHDC shall not be liable for any direct, indirect, incidental, consequential, or special damages arising from your use of this website, services, or communications.

10. Modifications to Terms

NHDC reserves the right to update or modify these Terms of Service at any time. Changes will be posted on this page with an updated effective date. Continued use of the website constitutes acceptance of the revised terms.

11. Contact Information

If you have questions about these Terms of Service or our communication practices, please contact:

Neighborhood Housing Development Corporation (NHDC)
Email: [Insert NHDC email]
Phone: [Insert NHDC phone number]
Website: [Insert NHDC website URL]