Legal/privacy

This Web site (www.vhfa.org) is provided by the Vermont Housing Finance Agency ("VHFA") as a service to the public for informational purposes only. Other VHFA-sponsored Web sites used by customers (www.myvhfa.com), partners (www.vhfa.net) and the general public (www.housingdata.org) have their own terms of use and privacy statements which should be reviewed when visiting those Web sites.

Terms of use and security

Disclaimer

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

Non-commercial use

This Web site and the contents are intended only for the individual, non-commercial use by its users. No user of this Web site may resell, republish, print, download or copy any portion of this Web site or the contents for unauthorized commercial use without prior written consent. Reasonable copying or printing of the contents for the purposes provided for is permissible where permitted by law.

Links to other sites

This Web site has links to other Web sites. The managers of this Web site do not assume responsibility for errors or omissions in third-party Web sites that are reached through hypertext links. The managers of this Web site make no endorsement, representations or warranties of any kind regarding the contents of third-party Web sites or any products or services mentioned thereon. When you go to another Web site through a hypertext link, you are covered by the privacy and security policies of that site and not the privacy statement and disclaimer of this Web site.

Security

This Web site has reasonable security measures in place to protect against the loss, misuse and alteration of the information under the control of the managers of this Web site.

Privacy

The information we receive depends on what you do when you visit this Web site. The essence of our privacy policy is simple and clear: we will collect no personal information about you when you visit our Web site unless you voluntarily choose to provide that information to us, for example, by entering information in a voluntary online form, sending us an email, or registering for a publication. Any significant changes to this policy will be posted here to provide users with up-to-date information about what information is collected and how it is used. Changes to this privacy statement are effective when posted to this page. Your continued use after any change is posted is an acceptance by you of such change. We will not sell or rent your nonpublic personal information with anyone.

Information collection

By using the data and services provided to you through this Web site, you consent to the collection and use of your information as outlined in this privacy statement. When you visit this Web site, we collect certain information about your visit that does not identify you personally. We can tell the type of browser, and Web service you are using. We also know the date and time you visit and the pages you visit. This information is used only for statistical purposes to help improve this Web site and is kept on a secure server.

VHFA also uses a third-party tracking service provided by Web Trends that uses cookies to collect information about visits to this Web site. Cookies are small data files that a Web site can place on a user's computer to allow the Web site to store and retrieve data about that particular user so that the Web site can provide or perform a variety of tasks and functions. For more information about this service, see Privacy Statement for Visitors to Sites Tracked by WebTrends Live.

Email

When you send an email through this Web site to VHFA's general mailbox or to a VHFA employee directly, we will only use your email address to respond to your request for information which may include referrals to others outside VHFA.
If you sign up to receive VHFA's newsletter Housing Matters or have provided other nonpublic personal information, such as, your name, phone or mailing address in your email, you may also receive other publications by email or otherwise from VHFA, other governmental agencies and nonprofit organizations.
The Agency will maintain other nonpublic personal information that you provide to us in emails, such as, your name, phone or mailing address.

Your email address will be maintained by this Web site in a computer file located on a secure server. To remove your email address from our emailing list, you must follow the removal instructions included with each message we send to our emailing list.

The operation of this Web site shall be construed in accordance with the laws of the State of Vermont, without regard to its conflict of laws provisions.