the terms.

PRIVACY POLICY

 

Welcome to the Frontier Housing, Inc. website, located at www.frontierky.org (the “Website”).  The Website is operated by or for the Frontier Housing, Inc. (“FHI,” "Frontier", “we,” “our,” or “us”).  The Website allows users to learn about FHI and its activities.  We take your online privacy seriously, and this Privacy Policy discloses to you what information we may collect from you, how we collect it, with whom we may share it, and certain other matters related to such information.

Donor Privacy Policy

Donor Privacy Policy – Frontier Housing, Inc

 

Purpose


This privacy policy articulates the principles, actions and beliefs of Frontier Housing with regard to the information collected, retained and used related to some of our primary supporters, including our donors, volunteers, prospects, and affiliated agencies and organizations. This policy is intended to guide the actions of Frontier Housing employees, volunteers, contractors and authorized representatives.


This information includes:

 

  1. Personal information obtained from donors, volunteers and prospects through pledge cards, letters, surveys, applications, and other forms, in writing, in person, by telephone, or electronically (e.g. name, address, employer, family members, interests, etc.).

  2. Individual information may also be collected about donors, volunteers and prospects' present and past giving history, volunteer activity, committee service, information from public documents and reports, and any other interactions an individual may have had with Frontier Housing.

 

Policy


We value our donors, volunteers and prospects (hereafter referred to as our "supporters") and take their privacy seriously. We will respect the privacy of the personal and organizational information that we are privileged to have about our supporters. Our commitment to respect the privacy of our supporters extends to how we obtain, use, protect and share information about them. This privacy policy is intended to be applied in conjunction with related Frontier Housing policies, including, but not limited to, the Donor Bill of Rights.

 

Principles, Actions, and Beliefs

  • We do not sell supporter information.

  • Without the supporter's consent, we do not provide their information to organizations or individuals outside Frontier Housing.

  • We contractually require any person or organization providing services to Frontier Housing to protect the confidentiality of supporter information.

  • We will hold strictly confidential all information concerning donors and prospects, including names, addresses, names of beneficiaries, nature and value of estates, amounts of provisions or gifts, etc., unless a donor or prospect grants permission to use selective information for purposes of referral, testimonial, example, recognition, or publicity.

  • We have procedures in place to limit access to information to those employees and volunteers who need to know such information in order to fulfill our mission.

  • We educate our employees and volunteers on the importance of protecting the privacy and security of confidential personal and organizational information.

  • We will use our best efforts to comply with the expressed wishes of any supporter who does not want their name used in any promotional material, wishes their name removed from solicitation lists, or wishes to have their gifts or services be anonymous.

  • We will collect, use and share information about our supporters among employees and volunteers only on a needs-to-know basis and for the sole purpose of carrying out Frontier Housing’s mission.

 

Frontier Housing: A Donor Bill of Rights

  1. The right to be informed of the organization's mission, of the way the organization intends to use donated resources, and of its capacity to use donations effectively for their intended purposes.

  2. The right to be informed of the identity of those serving on the organization's governing board, and to expect the board to exercise prudent judgment in its stewardship responsibilities.

  3. The right to have access to the organization's most recent financial statements.

  4. The right to be assured their gifts will be used for the purposes for which they were given.

  5. The right to receive appropriate acknowledgement and recognition or to remain anonymous if desired.

  6. The right to be assured that information about their donations is handled with respect and with confidentiality to the extent provided by law.

  7. The right to expect that all relationships with individuals representing organizations of interest to the donor will be professional in nature.

  8. The right to be informed whether those seeking donations are volunteers, employees of the organization or hired solicitors.

  9. The right to have the opportunity for their names to be deleted from mailing lists that an organization may intend to share.

  10. The right to feel free to ask questions when making a donation and to receive prompt, truthful and forthright answers.

 

Email Policy


Our email communication is permission based. If you received an email from us, our records indicate that you have shared this address for the purpose of receiving information from Frontier. We respect your time and attention by limiting the frequency and the file size of our emails. To the extent possible we maintain our information on our website and use emails to point you to it.

 

If you do not want to receive email from Frontier, please forward a copy of that email with your request to w.puckett@frontierky.org. Please specify for removal from our data base or to confirm.

 

* We will never share, sell, or rent individual personal information with anyone for their promotional use without your advance permission or unless ordered by a court of law. Information submitted to us is only available to employees managing this information for purposes of contacting you or sending you emails based on your request for information, and to contracted service providers for purposes of providing services relating to our communications with you.

EFFECTIVE NOVEMBER 2019

Terms and Conditions

Welcome to the Frontier Housing, Inc. website, located at www.frontierky.org (the “Website”).  The Website is operated by or for the Frontier Housing, Inc. (“FHI,” "Frontier", “we,” “our,” or “us”).  FHI is a nonprofit organization whose mission is to provide affordable housing solutions to build better communities. We offer a variety of programs and services, including mortgage lending, turnkey construction, and financial health education designed to help you through each step of the home-buying process.

​PLEASE READ THESE TERMS OF USE CAREFULLY AS THEY CONTAIN IMPORTANT INFORMATION REGARDING YOUR LEGAL RIGHTS, REMEDIES AND OBLIGATIONS.

You may use this Website only if you accept these Terms of Use (the “Agreement”).  Your use of and participation in the services offered at the Website indicate your assent to this Agreement.   Please read the Agreement carefully, and print and save it for future reference.  If you do not agree with the terms and conditions set forth herein, you should exit the Website immediately, and you may not create a FHI COMPASS account.

FHI may modify this Agreement from time to time, in its sole discretion, and such modification shall be effective upon posting.  If we modify this Agreement, we will post the changes on this page and will indicate at the top of this page the date that this Agreement was last revised. You agree to be bound by any changes to the Agreement when you use the Website after any such modification is posted.  Please review the Agreement regularly, as it is your responsibility to abide by the current terms at all times.

ELIGIBILITY

Children under the age of thirteen (13) are not authorized to use the Website.  If, in the future, we decide to direct the Website to children under thirteen (13), we will do so in compliance with the Children’s Online Privacy Protection Act of 1998 (15 U.S.C. 6501 et seq.) including, without limitation, obtaining necessary parental consent.

GENERAL USE

The Website allows you to donate to FHI, schedule classes, request information and begin our program.  The Website may be used only for lawful purposes. You agree not to use the Website for any unlawful or prohibited purpose.  Unauthorized use of the Website, including using the Website to harass other users in any way, is strictly prohibited.  Appropriate legal action may be taken for any illegal or unauthorized use of the Website.

Despite the best efforts of FHI to provide accurate information, it is not possible to completely ensure that information on the Website is correct at all times. FHI assumes no responsibility for any incorrect information or inappropriate content or conduct that is posted or occurs on the Website.

If you become aware of misuse of the Website by any person, please contact us directly at info@frontierky.org.

DONATIONS

FHI takes great pride in using resources entrusted to us wisely and effectively to make a difference in our community.  We adhere to the Association of Fundraising Professionals’ Donor Bill of Rights and Code of Ethical Principles and Standards.  When you donate to FHI on the Website and confirm that you are a US taxpayer, please save your receipt for income tax purposes.  You must consult your tax advisor to determine the deductibility of your contribution.  For purposes of the Internal Revenue Code, no goods or services were provided to you in consideration for your gift.

If you have any questions about a previous donation, or if would like to make a donation to FHI by phone, please call us at 606.784.2131.

SUBMISSIONS

You can learn more about FHI’s programs and services by submitting certain information to FHI through the Website.  Please carefully review any instructions or additional terms before completing forms on the Website.  Also, please remember that children under the age of thirteen (13) are not permitted to submit any content to the Website.

You hereby represent and warrant that any and all information you provide to FHI, including but not limited to your date of birth, your identity, and your financial circumstances, is accurate and truthful and that you will update such information as necessary to maintain its accuracy and truthfulness.  You are solely responsible for any and all information you provide to FHI.

Please carefully review our Privacy Policy for more information regarding the way we handle your personal information.  In accordance with our Privacy Policy , FHI reserves the right, at all times, to disclose any information necessary to comply with any applicable law or to protect our rights or the rights of other users of the Website.

POSTINGS

Please carefully consider any information you post to the Website. By posting content to the Website, you grant to FHI a non-exclusive, royalty-free, transferable, perpetual license to use and publish such content throughout the world in any manner or medium.

You may not post any  material to the Website that is offensive, threatening or violates any third party intellectual property rights (including copyright, trademark and right of publicity rights).

We reserve the right, in our sole discretion, to review, modify, reject, or remove your postings, or to suspend or terminate your access to all or any part of the Website at any time, for any or no reason, with or without prior notice, and without liability.  However, FHI is under no obligation to monitor the content of the Website and assumes no responsibility for any inappropriate content or conduct that is posted or occurs on the Website.  We do not control or endorse any content posted on the Website by third parties and specifically disclaim any liability with respect to submissions, postings and actions of third parties using the Website.

If you become aware of misuse of the Website by any person, please contact us directly at info@frontierky.org.

INTELLECTUAL PROPERTY

All site design, text, graphics, logos, icons, the selection and arrangement of these elements, and all software and content posted on the Website are the property of FHI or its licensors or suppliers, and are protected by U.S. and international intellectual property laws, including, but not limited to, copyright.  You may not post, modify, distribute, or reproduce in any way any copyrighted material, trademarks, or other proprietary information belonging to FHI or any other person or entity without obtaining the prior written consent of the owner of such proprietary rights.  Please contact us at info@frontierky.org with any inquiries, permission requests, or to report suspected copyright infringement.  If you believe your proprietary work has been copied and/or posted on the Website in a way that constitutes copyright infringement, please provide us with the following information:

(i) an electronic or physical signature of the person authorized to act on behalf of the owner of the copyright interest;

(ii) a description of the copyrighted work that you claim has been infringed;

(iii) a description of where the material that you claim is infringing is located on the Website;

(iv) your address, telephone number, and email address;

(v) a written statement by you that you have a good faith belief that the disputed use is not authorized by the copyright owner, its agent, or the law;

(vi) a statement by you, made under penalty of perjury, that the above information in your notice is accurate and that you are the copyright owner or are authorized to act on the copyright owner’s behalf.

LICENSE TO USE

For the limited purpose of your use of the Website, FHI grants you a limited, revocable, personal and non-transferable license to use the Website for private viewing and in accordance with this Agreement, and for no other purpose.  You must keep intact all copyright, trademark and other proprietary notices. Reproduction or redistribution of copyright and trademark-protected material is expressly prohibited by law, and may result in civil and criminal penalties. Violators will be prosecuted to the maximum extent possible. Without limiting the foregoing, copying or reproduction of the copyright and trademark-protected material to any other server or location for further reproduction or redistribution is expressly prohibited.

LINKS AND THIRD PARTY SERVICES

Any links on the Website are provided only as a convenience, and FHI does not endorse any third party websites or services, unless otherwise provided. You are solely responsible for abiding by the terms of use of any third party website.  FHI is not liable for the conduct of any third parties referenced on the Website.

You may not include a link to the Website without the express permission of FHI. Please contact us at info@frontierky.org to inquire about linking.

MODIFICATIONS TO SITE AND SERVICES

FHI reserves the right to modify, suspend, delay or discontinue, temporarily or permanently, the Website (or any part thereof) or any of its products or services, with or without notice.  You agree that FHI shall not be liable to you or to any third party for any modification, suspension, delay or discontinuance of the Website or any of its products or services.

GENERAL DISCLAIMER

FHI is not responsible for any incorrect or inaccurate submissions or postings on the Website, whether caused by users of the Website or by any of the equipment or programming used in or associated with the Website. We assume no responsibility for any error, omission, interruption, deletion, defect, delay in operation or transmission, communications line failure, theft or destruction or unauthorized access to, or alteration of, any user communication. FHI is not responsible for any problems or technical malfunction of any telephone, network or wireless computer online systems, servers or providers, computer equipment, software, data interception from public or private networks, failure of any email due to technical problems or high traffic on the Internet or any combination thereof, including any injury or damage to your or to any person’s computer related to or resulting from participation or downloading materials in connection with the Website.

FHI is not responsible for the postings or conduct, whether online or offline, of any user of the Website.  Under no circumstances shall FHI be responsible for any loss or damage, including personal injury or death, resulting from use of the Website or from any postings or submissions on or through the Website.

The Website and related services are provided AS-IS and, to the fullest extent permitted by law, WITHOUT WARRANTIES OF ANY KIND, either express or implied.  This means, without limitation, that FHI DOES NOT WARRANT that the Website is fit for any particular purpose, that the FHI-posted content of the Website is non-infringing; that the services available via the Website will be uninterrupted; that defects will be corrected; that the Website is free of viruses or other harmful components, or that the information and content of the Website are accurate, error-free or reliable. You acknowledge that FHI and its affiliates, together with their respective employees, agents, directors, officers and partners, ARE NOT LIABLE for any delays, inaccuracies, failures, errors, omissions, interruptions, deletions, defects, viruses, communication line failures or for the theft, destruction, damage or unauthorized access to your computer system, your data communications or network.

LIMITATION OF LIABILITY

You acknowledge that FHI is not liable for any damages, including, without limitation, direct, indirect, incidental, special, consequential or punitive damages, in connection with or arising from your use or from your inability to use the Website. This limitation applies to all potential claims, whether based on contract, tort, negligence, strict liability or otherwise, even if we have been advised of the possibility of damages. Because some jurisdictions do not allow the exclusion or limitation of liability for consequential or incidental damages, the above limitation may not apply to you. In any such jurisdiction, our liability is limited to the maximum extent permitted under applicable law. If you are dissatisfied with any portion of the Website, or with any of these terms and conditions, YOUR SOLE AND EXCLUSIVE REMEDY IS TO DISCONTINUE USING THE WEBSITE.

INDEMNIFICATION

You hereby agree to indemnify and hold FHI, its affiliates, and their respective officers, agents, partners and employees, harmless from any loss, liability, damages, claim or demand (including court costs and reasonable attorneys’ fees) made by any third party due to or arising out of your use of the Website in violation of this Agreement and/or arising from any breach of your representations and warranties set forth above.

GOVERNING LAW AND VENUE

This Agreement and our relationship are governed by the laws of the State of Indiana without regard to the conflicts of law provisions thereof. You hereby irrevocably consent to the exclusive jurisdiction and venue of the federal and state courts located in Marion County, Indiana in all disputes arising out of or relating to the use of the Website and you hereby consent to, and waive all defenses of lack of personal jurisdiction and forum non convenes with respect to, venue and jurisdiction in such courts.   Use of the Website is unauthorized in any jurisdiction that does not give effect to this Agreement, including this paragraph.

INDEPENDENT CONTRACTORS

No joint venture, employment, or other legal relationship exists between you and FHI as a result of this Agreement or your use of the Website.

SEVERABILITY

If any provision of this Agreement is held invalid or unenforceable, then it will be deemed superseded by a valid, enforceable provision that most closely matches the original intent, and the remainder of the Agreement shall continue in effect.

ENTIRE AGREEMENT

This Agreement and the other documents referenced herein form the entire agreement between you and FHI with respect to the Website.  This Agreement supersedes all prior or contemporaneous communications between you and FHI concerning any matters set forth herein.

VALIDITY OF AGREEMENT

A printed version of this Agreement and any notices given in electronic form shall be admissible in judicial or administrative proceedings based on or relating to this Agreement to the same extent and subject to the same conditions as other business documents originally in printed form.

NOTICES

Any communications, notices, requests or demands relating to this Agreement shall be in writing and shall be deemed given when received upon delivery by hand, transmission by facsimile or email (with proof of confirmation of receipt), or mailing by registered or certified mail, addressed as follows:

Frontier Housing, Inc.
Attn: Webmaster
5445 FLEMINGSBURG RD

MOREHEAD KY 40351
phone:  606.784.2131
fax:  606.784.2171

info@frontierky.org

ASSIGNMENT

This Agreement may not be transferred, delegated or assigned by either party without the prior written consent of the other party, except that fFHI may assign and transfer this Agreement (including your personal data) in connection with the transfer or sale of our business or a merger with a third party.  This Agreement shall be binding upon, and shall inure to the benefit of, the successors and assignees of you and FHI.

Please contact us at info@frontierky.org with any questions regarding these Terms of Use.

BY USING THIS WEBSITE, I ACKNOWLEDGE THAT I HAVE READ THIS AGREEMENT IN ITS ENTIRETY, AND THAT I UNDERSTAND AND AGREE TO ALL OF THE PROVISIONS CONTAINED ABOVE.

Equal Opportunity Provider, Lender and Employer


It is the policy of Frontier Housing to provide financing and services on an equal opportunity basis. All credit decisions, vendor choices and other business decisions shall be made on the basis of merit, without regard to race, color, religion, sex, marital status, disability, national origin or age. In compliance with the Americans with Disabilities Act, Frontier Housing will make all reasonable efforts to accommodate persons with disabilities at its offices.

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