Terms of Service.

1. Acceptance of Terms

By accessing or using the House Hold Maryland website (householdmaryland.org) or any of our services, you agree to be bound by these Terms of Service and our Privacy Policy. If you do not agree to these terms, please do not use our website or services.

2. Description of Services

House Hold Maryland, Inc. is a nonprofit organization that provides free foreclosure-prevention counseling, homeowner advocacy, financial education workshops, community outreach, and housing-stability resource navigation services to Maryland residents. All services are provided at no cost to eligible homeowners.

Our website provides information about our programs, allows you to submit intake requests, register for workshops, make donations, and contact our team.

3. Eligibility

Our housing counseling and advocacy services are available to Maryland homeowners and residents facing housing instability. There are no income requirements to receive services. You must be at least 18 years of age to submit forms or make donations through our website.

4. Not Legal or Financial Advice

The information provided on this website and through our services is for general informational and educational purposes only. It does not constitute legal advice, financial advice, or professional counseling.

While our housing counselors are trained professionals, their guidance is specific to housing stabilization and does not constitute legal representation. For legal matters related to foreclosure, we strongly encourage you to consult a licensed Maryland attorney. We can provide referrals to legal aid organizations upon request.

5. Acceptable Use

You agree to use our website and services only for lawful purposes and in ways that do not infringe the rights of others. You agree not to:

• Submit false, misleading, or fraudulent information in any form
• Attempt to gain unauthorized access to any part of our systems
• Use our website to distribute spam, malware, or harmful content
• Impersonate House Hold Maryland or any of our staff or partners
• Scrape, harvest, or collect information from our website without permission
• Use our services for any commercial purpose without prior written consent

6. Intellectual Property

All content on this website — including text, graphics, logos, images, and software — is the property of House Hold Maryland, Inc. or its content providers and is protected by applicable intellectual property laws. You may not reproduce, distribute, or create derivative works without our express written permission.

You are welcome to share links to our website and reference our publicly available resources for educational purposes with appropriate attribution.

7. Disclaimer of Warranties

Our website and services are provided "as is" and "as available" without warranties of any kind, either express or implied. We do not warrant that our website will be uninterrupted, error-free, or free of viruses or other harmful components. We make no warranties regarding the accuracy, completeness, or timeliness of any information on our website.

8. Limitation of Liability

To the fullest extent permitted by law, House Hold Maryland, Inc. shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of — or inability to use — our website or services. Our total liability for any claim arising from these terms shall not exceed $100.

Nothing in these terms limits our liability for fraud, gross negligence, or any liability that cannot be excluded by law.

9. Donations

Donations made through our website are voluntary and non-refundable except in cases of processing error. House Hold Maryland, Inc. is organized as a nonprofit corporation and intends to qualify as a tax-exempt organization under Section 501(c)(3) of the Internal Revenue Code. Donors are responsible for confirming current tax-exempt status with their tax advisor. A receipt will be emailed for every donation processed.

10. Third-Party Links

Our website may contain links to third-party websites for your convenience and reference. These links do not constitute an endorsement of those websites. We have no control over the content or privacy practices of third-party sites and accept no responsibility for them.

11. Changes to Terms

We reserve the right to modify these Terms of Service at any time. Changes will be posted on this page with an updated date. Continued use of our website or services after changes are posted constitutes your acceptance of the revised terms.

12. Contact

Questions about these Terms of Service should be directed to:

House Hold Maryland, Inc.
5000 Thayer Center, STE C
Oakland, MD 21550
[email protected]