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Terms of Use

(Revised December 15, 2014)

Thank you for visiting the Vermont Housing Finance Agency VHFA.org web site. By using this web site and the services available on this web site, you consent to the collection and use of your information as outlined below and to the other terms and provisions set out below:

Personal information overview

Here is how we handle information about your visit to our Web site:

If you do nothing during your visit but browse through the Web site, read pages, or download information, we will gather and store certain information about your visit automatically. Your Web browser software transmits most of this information to us. This information does not identify you personally.

We automatically collect and store only the following information about your visit:

The numeric IP address (an IP address is a number that is automatically assigned to your computer whenever you are surfing the Web) from which you access the VHFA.org Web site. Our software can then map these IP addresses into Internet domain names, for example, "xcompany.com" if you use a private Internet access account, or "yourschool.edu" if you connect from a university's domain.

  • The type of browser and operating system used to access VHFA.org Web site.
  • The date and time you access VHFA.org.
  • The pages you visit, including graphics loaded from each page and other documents you download, such as PDF (Portable Document Format) files and word processing documents.
  • If you linked to VHFA.org from another Web site, the address of that Web site. Your Web browser software transmits this information to us.

We use this information to help us make our site more useful to visitors -- to learn about the number of visitors to our site and the types of technology our visitors use. We do not track or record information about individuals and their visits.

Cookies

A cookie is a small text file that a Web site can place on your computer's hard drive in order, for example, to collect information about your activities on the site or to make it possible for you to use an online shopping cart to keep track of items you wish to purchase. The cookie transmits this information back to the Web site's computer which, generally speaking, is the only computer that can read it. Most consumers do not know that cookies are being placed on their computers when they visit Web sites. If you want to know when this happens, or to prevent it from happening, you can set your browser to warn you when a Web site attempts to place a cookie on your computer.

Temporary cookies may be used when necessary to complete a transaction or enhance the user experience of using the site. 

Use of Web beacons or gif files

Pages in this web site may contain electronic images known as Web beacons — sometimes also called single-pixel gifs — that allow Vermont Housing Finance Agency to count users who have visited those pages and to deliver co-branded services. Vermont Housing Finance Agency may include Web beacons in promotional e-mail messages or newsletters in order to determine whether messages have been opened and acted upon.

Some of these Web beacons may be placed by third party service providers to help determine the effectiveness of our advertising campaigns or email communications. These Web beacons may be used by these service providers to place a persistent cookie on your computer. This allows the service provider to recognize your computer each time you visit certain pages or emails and compile anonymous information in relation to those page views, which in turn enables us and our service providers to learn which advertisements and emails bring you to our Web site and how you use the site. Vermont Housing Finance Agency prohibits Web beacons from being used to collect or access your personal information.

Email and online forms

If you choose to identify yourself by sending us an email or by using our online forms, we use that information to respond to your message and to help us get you the information you have requested. We treat e-mails the same way we treat letters sent to us. VHFA.org does not collect information for commercial marketing. We will not sell or rent your personally identifiable information to anyone.

Sharing personal information

In addition to email, VHFA.org may ask for your personal information in order to provide you with information or services.

All of these activities are purely voluntary. You will always have the option of whether to perform the transaction and provide this information. Please understand, however, that in order to perform a service transaction, you will be required to provide some personal information. Whether to perform the transaction is up to you.

VHFA.org will send personally identifiable information about you to other companies, agencies, or people when:

  • We have your consent to share the information;
  • We need to share your information to provide the product or service you have requested;
  • We need to send the information to companies who work on behalf of VHFA.org to provide a product or service to you. (Unless we tell you differently, these companies do not have any right to use the personally identifiable information we provide to them beyond what is necessary to assist us); or
  • We are required to do so by law, subpoena, court order or legal process.

Online transactions with third parties

When you provide personally identifiable information to third parties through VHFA.org in order to receive requested services, such information is handled as it would be on direct visit to that third party, and subject to the laws, regulations, practices, and procedures relating to that third party.  

Public Records Act

Vermont Housing Finance Agency is governed by the requirements of the Vermont statutes on Access to Public Records which may supercede in certain circumstances any privacy or confidentiality representations made herein.

Links to other sites

Links to information on sites other than VHFA.org are for your convenience only and are not an endorsement or recommendation of those sites.  Other VHFA-sponsored Web sites used by partners (www.vhfa.net) and the general public (www.housingdata.org, www.vrsc.org, www.vhma.net,  www.housingawareness.org, www.rentalcodes.org) have their own terms of use and privacy statements which should be reviewed when visiting those Web sites.  Certain organizations may choose to link this web site to their own web site.  Such linkage is not meant to imply that Vermont Housing Finance Agency agrees with, supports or concurs with the content such web sites may contain.

Security

We take very seriously the integrity of the information and systems that we maintain. As such, we have instituted security measures for all information systems under our control so that information will not be lost, misused or altered.

As a condition of your use of this web site, you warrant to Vermont Housing Finance Agency that you will not use this web site for any purpose that is unlawful or prohibited by these terms, conditions and notices.  You may not use this web site in any manner which could damage, disable, overburden or impair the web site or interfere with any other party’s use of this web site.

For site security purposes and to ensure that our Internet services remain available to all users, we employ software programs to monitor traffic to identify unauthorized attempts to upload or change information or otherwise cause damage. In the event of authorized law enforcement investigations and pursuant to any required legal process, information from these sources may be used to help identify an individual.

Your VHFA.org account information is password-protected for your privacy and security. In certain areas, as with credit card transactions, VHFA.org uses industry-standard secure socket layer (SSL) encryption to protect data transmissions.

All credit card information is immediately encrypted upon receipt and authenticated through secure 128-bit SSL communications channels. 

Disclaimer

Substantial efforts are taken to ensure the accuracy and timeliness of information provided on this site.  The managers of this site do not, however, guarantee that this site will include the most current information available or remain free from errors.  In addition, the managers of this site reserve the right to alter, delete, or add information or materials to this site without notice.

This website and all material contained on the website are provided on an “as is” and “as available” basis without warranties of any kind, either express or implied, including without limitation warranties of merchantability, fitness for a particular purpose, non-infringement, and freedom from computer virus, 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, that you assume full responsibility for all costs associated with your use or inability to use the website, and that the agency 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 the agency and its officers, employees and agents from any and all loss, cost, expense, claim, damages and liability related to or associated with your use of this website and any violation by you of these terms.

Ownership

The design, arrangement, presentation and layout of this site, and all material provided on this web site (e.g. text, graphics, logos, images, photographs, software, interfaces, data, icons, audio, and the arrangement and coordination of these materials) are the property of Vermont Housing Finance Agency. No rights, title, or interests are transferred to anyone who downloads or copies material from the website. The material on the website may be used only for personal, non-commercial, viewing, reading, or educational purposes. You may not modify, remove, delete, augment, distribute, transmit, publish, license, add to, exploit, publish, transmit, participate in the transfer or sale of, or create derivative works from the content either in whole or in part without the written permission of Vermont Housing Finance Agency.

Changes to Terms of Use

The management of the Vermont Housing Finance Agency has approved the Terms of Use and may revise the Terms of Use at any time and from time to time by updating this page.

Contact us

Vermont Housing Finance Agency Or email:
164 St. Paul St. home@vhfa.org
Burlington, VT 05401  
Attn: Webmaster