1.0. Important Information
1.2. About HomeHelpNH
HomeHelpNH is a statewide foreclosure counseling initiative sponsored by the New Hampshire Department of Justice, New Hampshire Banking Department and New Hampshire Housing. The initiative’s goal is to help at-risk homeowners find solutions through free, comprehensive pre- and post-foreclosure counseling. The administrative agency for HomeHelpNH is New Hampshire Housing Finance Authority.
HomeHelpNH works in cooperation with the New Hampshire Foreclosure Relief Project, a partnership between the New Hampshire Bar Association, New Hampshire Legal Assistance, and the Legal Advice and Referral Center, to help at-risk homeowners receive legal services. The Foreclosure Relief Project provides low- or no-cost legal assistance to qualified homeowners who are facing foreclosure or foreclosure-related financial and legal problems. For information on the NH Foreclosure Relief Project, go to www.nhlegalaid.org.
1.3. About New Hampshire Housing
New Hampshire Housing Finance Authority is a self-supporting public benefit corporation. The Authority operates a number of rental and homeownership programs designed to assist low- and moderate-income persons with obtaining affordable housing. Since its inception, New Hampshire Housing has helped over 40,000 families purchase their own homes and has been instrumental in financing the creation of more than 14,500 multi-family housing units. More information about its programs can be found on the agency's website at www.nhhfa.org or www.GoNewHampshireHousing.com.
1.4. Right-to-Know Law
New Hampshire Housing is subject to the New Hampshire Right-to-Know law, RSA Chapter 91-A. Under this law, New Hampshire Housing may have a legal obligation to release certain public records (as defined in RSA Chapter 91-A). However, not all information is considered a public record. If required by the Right-to-Know law or ordered by a court, New Hampshire Housing will release information. New Hampshire Housing will protect information that is exempt from the Right-to-Know law, including personal information to the extent permitted by law.
1.5. Contact Us
2.0. Information We Collect
2.1. When You Visit This Website
You are free to explore this website without providing any personal information about yourself. When you visit our website and complete a form, we request that you provide personal information about yourself and we may collect that information.
2.2. What is Personally Identifiable Information?
This refers to any information that you voluntarily submit and that identifies you personally, including contact information, such as your name, email address, address, phone number, and other information about yourself. Personal information can also include information about any transactions that you enter into on our website, such as completing a referral form or contacting one of our partners.
2.3. How Do We Collect Information Online?
We collect personally identifiable or other information online in a variety of ways. For example, we may collect information through:
- Online or mobile applications, forms or data entry fields;
- Cookies; and
We may collect information for different purposes, for example,
- Online marketing or social media purposes; and
- Online Navigational Information.
2.4. Information About Children
Our intended audience is adults. This website is not intended for or targeted at children under 13, and we do not knowingly or intentionally collect information about children under 13. If you believe that we have collected information about a child under 13, please contact us at email@example.com, so that we may delete the information.
3.0. How Do We Use Information We Collect
3.1. We Never Sell Personal Information
We will never sell your personal information to any third party.
3.2. What Personal Information We Disclose
We do not disclose any nonpublic personal information about our website visitors to anyone, except as permitted by law or as otherwise described in this disclosure.
To assist us in offering you services, we may occasionally share nonpublic personal information with companies that provide services to us, such as in-take referral service providers, housing nonprofits, lawyers with the Foreclosure Relief Project and our marketing consultants. These companies act with us and in some cases on our behalf and are obligated to keep the information that we provide to them confidential.
3.3. Service Providers
We employ other companies and people to provide services to our website visitors and may need to share your information with them to provide information, products or services to you. Examples may include removing repetitive information from prospect lists, analyzing data, providing marketing assistance, supplementing the information you provide us in order to provide you with better service, and providing customer service. In all cases where we share your information with such agents, we explicitly require the agent to acknowledge and adhere to our privacy and customer data handling policies.
3.4. Security of your Personal Information
Keeping your financial information secure is one of our most important responsibilities. We value your trust and handle your information with care. We may access information about you when considering a request from you for additional services or when exercising our rights under the law or any agreement with you.
We maintain physical, electronic and procedural safeguards that comply with standards to guard your nonpublic personal information.
We use a variety of security technologies and procedures to help protect your personal information from unauthorized access, use or disclosure. We secure the personal information you provide on computer servers in a controlled, secure environment, protected from unauthorized access, use or disclosure. When sensitive personal information is collected on our websites and/or transmitted to other websites, it is protected through the use of encryption, such as the Secure Socket Layer (SSL) protocol.
3.5. External Websites
3.6. Retention of Personal Information
We retain personal information that you provide us as long as we consider it potentially useful in contacting you about services, and we then securely delete the information. We will delete this information from the servers at an earlier date if you so request, as described in Opting-Out and Unsubscribing below. If you provide information to a third party, as part of your use of our website, the third party will decide how long to retain the personal information they collect from you.
3.7. Compelled Disclosure
There may be circumstances when we may need to use or disclose your personal information if required by law or if we reasonably believe that use or disclosure is necessary to protect our rights or to comply with a law, court order, or legal process.
4. Navigational Information
- What pages you visit and actions you take;
- The address of websites and advertisements that link to this website;
- Keywords used for searches that brought you to this website;
- Your browser version and operating system;
- Your Internet Protocol (IP) address;
- Your Internet Service Provider (ISP); and
- The region from which you connect to this site.
We also use session cookies as a type of digital signature to identify your current session to our web server.
4.2. Log Files
We may collect demographic information, such as your ZIP code, age, gender, preferences, interests and favorites using log files that are not associated with your name or other personally identifying information. There is also information about your computer hardware and software that is automatically collected by us. This information can include your IP address, browser type, domain names, access times and referring website addresses. This information is used by HomeHelpNH for the operation of marketing purposes, to maintain quality of information being provided, and to provide general statistics regarding use of our website. For these purposes, we may link this automatically-collected data to personal information such as name, email address, address, and phone number.
4.3. Navigational Information Collected by Third Parties
Information referred by you through our website to third parties may contain navigational information. HomeHelpNH does not control the third parties’ use of the information they collect or how they use it.
4.5. Third Party Tracking Technologies
5. Opting Out and Unsubscribing
5.1. Reviewing, Correcting and Removing Your Personal Information
If you provide us with your personal information, you have the following rights with respect to that information:
- To review the user information that you have supplied to us;
- To request that we correct any errors, outdated information, or omissions in user information that you have supplied to us;
- To request that your user information not be used to contact you;
- To request that your user information be removed from any solicitation list that we use;
- To request that your user information be deleted from our records; and
- To opt out of being solicited by HomeHelpNH or third parties.
To exercise any of these rights, please contact us at firstname.lastname@example.org or by mail to HomeHelpNH c/o New Hampshire Housing, PO Box 5087, Manchester, NH 03108. We will promptly change, correct, or delete your information and notify you of the action we have taken.
HomeHelpNH reserves the right to change the terms, conditions and notices under which this website is used. As a condition of your use of the website, you warrant to HomeHelpNH that you will not use the HomeHelpNH website for any purpose that is unlawful or prohibited by these terms, conditions, and notices. You may not use the website in any manner which could damage, disable, overburden, or impair the website or interfere with any other party's use of the website.
Product and service offers and other information provided herein are subject to change without notice. Although every effort has been made to ensure the accuracy, currency and reliability of the content of these pages, HomeHelpNH accepts no responsibility in that regard.
5.3. To Unsubscribe from Third Party Communications
Our third party partners are solely responsible for their own marketing emails and other communications; we cannot unsubscribe you from their communications. You can unsubscribe from our partners' marketing communications by clicking on the "unsubscribe" link located on the bottom of their emails, or by contacting them directly.
The website and all material contained on the website are provided on an "as is" and "as available" basis without warranties of any kind, either expressed or implied, including without limitation warranties of merchantability, fitness for a particular purpose, non-infringement, and freedom from computer viruses, and the accuracy, reliability, and usefulness of the website or website content. You acknowledge, by your use of the website, that your use of the website is at your sole risk, which you assume full responsibility for all costs associated with your use or inability to use the website, and that HomeHelpNH will not be responsible for any damages of any kind related to your use of the website. You agree to indemnify, defend and hold harmless HomeHelpNH, its partner agencies and their respective officers, employees, and agents from any and all loss, cost, expense, claim, damages, and liability related to or associated with your use of the website and any violation by you of these terms.
In addition to the foregoing, you are also put on notice that HomeHelpNH and New Hampshire Housing are subject to the New Hampshire Right to Know Law which may supersede in certain circumstances any confidentiality representations made herein.