Last Updated: November 13, 2026

Welcome to the Terms of Service (these “Terms”) for the website, www.stablehomefund.org, operated on behalf of Stable Home Fund (“Company”, “we” or “us”).  The website, www.stablehomefund.org, and any content, tools, features and functionality offered on or through such website are collectively referred to as the “Website”.

Please read these Terms carefully, as they include important information about your legal rights. By accessing and/or using the Website, you are agreeing to these Terms. If you do not understand or agree to these Terms, please do not use the Website.

For purposes of these Terms, “you” and “your” means you as the user of the Website. If you use the Website on behalf of a company or other entity then “you” includes you and that entity, and you represent and warrant that (a) you are an authorized representative of the entity with the authority to bind the entity to these Terms, and (b) you agree to these Terms on the entity’s behalf.

1.    GENERAL
The Website provides certain information and other materials related to the Company and its programs. Through the Website, you may, among other things, apply to participate in the Company’s programs (“Programs”), such as its rent relief fund program. The Company may provide loans, including micro-loans, through certain Programs. All loans are subject to the Company’s underwriting and approval and are governed by the applicable loan agreements. Your application to any Program, as well as any loan, financing or other benefit you receive when accepted to a Program, is governed by separate terms and conditions. 

1.1    When you apply to a Program, you agree to provide accurate, current and complete information, and to update that information as needed. We rely on the accuracy of the information you provide, and we may share it with our service providers and partners to verify your identity and determine your eligibility for a Program. We may deny or suspend your application, or your participation in a Program, if any information you provide is inaccurate, incomplete or out of date.

1.2    No Guarantee of Approval or Outcome. Information on the Website about the Programs is for general informational purposes only and is not an offer or commitment to extend credit. Submitting an application does not guarantee that you will be approved for a Program or a loan, that any loan will be funded by a particular date, or that any eviction, late fee, legal proceeding or other action by your landlord will be prevented, delayed or resolved. The Company is not a law firm and does not provide legal advice regarding your lease or any eviction proceeding. If you have received an eviction notice, you should consult a qualified attorney or local legal aid organization. Program availability, terms and eligibility requirements may vary by location and may change or end at any time.

1.3    Property Owners, Property Managers and Program Partners. Certain Programs are available only through participating property owners or property managers, and certain Programs are designed, funded or administered by the Company on behalf of local funders, government agencies or other partners (“Program Partners”). The Company is not a party to your lease and is not responsible for the acts or omissions of any property owner, property manager or Program Partner, including whether a property owner or property manager participates in a Program, reports rent payments, or accepts any payment made through a Program. Programs administered on behalf of a Program Partner may be subject to additional eligibility requirements and terms set by that Program Partner.

1.4    Donations. The Website may allow you to make donations to the Company. All donations are voluntary, final and non-refundable, except as required by applicable law or as determined by the Company in its sole discretion. Donations may be processed by third-party payment processors, and your use of such services is subject to their terms and privacy policies. Unless otherwise agreed in writing, the Company may use donations for any of its purposes and in its sole discretion, and donations do not give you any right to direct the use of funds or to receive any benefit from a Program. The Company is a tax-exempt organization under Section 501(c)(3) of the Internal Revenue Code, and donations may be tax-deductible to the extent permitted by law. The Company does not provide tax advice, and you should consult your own tax advisor regarding the deductibility of any donation.

2.    WHO MAY USE THE WEBSITE
You must be 18 years of age or older to use the Website.
 
3.    LOCATION OF OUR PRIVACY POLICY
3.1    Privacy Policy. Our Privacy Policy describes how we handle the information you provide to us when you use the Website. For an explanation of our privacy practices, please visit our Privacy Policy located at https://www.stablehomefund.org/privacy-policy.

4.    RIGHTS WE GRANT YOU
4.1    Right to Use the Website. We hereby permit you to use the Website for your personal use only, provided that you comply with these Terms in connection with all such use.  Your access and use of the Website may be interrupted from time to time for any of several reasons, including, without limitation, the malfunction of equipment, periodic updating, maintenance or repair of the Website or other actions that Company, in its sole discretion, may elect to take.
4.2    Restrictions On Your Use of the Website. You may not do any of the following in connection with your use of the Website, unless applicable laws or regulations prohibit these restrictions or you have our written permission to do so:
(a)    download, modify, copy, distribute, transmit, display, perform, reproduce, duplicate, publish, license, create derivative works from, or offer for sale any information contained on, or obtained from or through, the Website, except for temporary files that are automatically cached by your web browser for display purposes;
(b)    use, reproduce or remove any copyright, trademark, service mark, trade name, slogan, logo, image, or other proprietary notation displayed on or through the Website;
(c)    access or use the Website in any manner that could disable, overburden, damage, disrupt or impair the Website or interfere with any other party’s access to or use of the Website or use any device, software or routine that causes the same;
(d)    attempt to gain unauthorized access to, interfere with, damage or disrupt the Website, accounts registered to other users, or the computer systems or networks connected to the Website;
(e)    circumvent, remove, alter, deactivate, degrade or thwart any technological measure or content protections of the Website;
(f)    use any robot, spider, crawler, scraper, or other automatic device, process, software or queries that intercept, “mines,” scrapes, extracts, or otherwise accesses the Website to monitor, extract, copy or collect information or data from or through the Website, or engage in any manual process to do the same; 
(g)    introduce any viruses, trojan horses, worms, logic bombs or other materials that are malicious or technologically harmful into our systems;
(h)    submit, transmit, display, perform, post or store any content that is unlawful, defamatory, obscene, excessively violent, pornographic, invasive of privacy or publicity rights, harassing, abusive, hateful, or cruel, or otherwise use the Website in a manner that is obscene, excessively violent, harassing, hateful, cruel, abusive, pornographic, inciting, organizing, promoting or facilitating violence or criminal activities;
(i)    violate any applicable law or regulation in connection with your access to or use of the Website; or
(j)    access or use the Website in any way not expressly permitted by these Terms.  

5.    OWNERSHIP 
5.1    Ownership of the Website. The Website, including its “look and feel” (e.g., text, graphics, images, logos), proprietary content, information and other materials, are protected under copyright, trademark and other intellectual property laws. You agree that the Company and/or its licensors own all right, title and interest in and to the Website (including any and all intellectual property rights therein) and you agree not to take any action(s) inconsistent with such ownership interests.  We and our licensors reserve all rights in connection with the Website and its content, including, without limitation, the exclusive right to create derivative works. 
5.2    Ownership of Trademarks. The Company’s name, trademarks, logos and all related names, logos, product and service names, designs and slogans are trademarks of the Company or its affiliates or licensors.  Other names, logos, product and service names, designs and slogans that appear on the Website are the property of their respective owners, who may or may not be affiliated with, connected to, or sponsored by us.  
5.3    Ownership of Feedback. We welcome feedback, comments and suggestions for improvements to the Website (“Feedback”). You acknowledge and expressly agree that any contribution of Feedback does not and will not give or grant you any right, title or interest in the Website or in any such Feedback. All Feedback becomes the sole and exclusive property of the Company, and the Company may use and disclose Feedback in any manner and for any purpose whatsoever without further notice or compensation to you and without retention by you of any proprietary or other right or claim. You hereby assign to the Company any and all right, title and interest (including, but not limited to, any patent, copyright, trade secret, trademark, show-how, know-how, moral rights and any and all other intellectual property right) that you may have in and to any and all Feedback. 

6.    THIRD PARTY SERVICES AND MATERIALS 
6.1    Use of Third Party Materials in the Website. The Website may display, include or make available content, data, information, applications or materials from third parties (“Third Party Materials”) or provide links to certain third party websites. By using the Website, you acknowledge and agree that the Company is not responsible for examining or evaluating the content, accuracy, completeness, availability, timeliness, validity, copyright compliance, legality, decency, quality or any other aspect of such Third Party Materials or websites. We do not warrant or endorse and do not assume and will not have any liability or responsibility to you or any other person for any third-party services, Third Party Materials or third-party websites, or for any other materials, products, or services of third parties. Third Party Materials and links to other websites are provided solely as a convenience to you.  

7.    DISCLAIMERS, LIMITATIONS OF LIABILITY AND INDEMNIFICATION
7.1    Disclaimers. 
(a)    Your access to and use of the Website (including any content on the Website) is at your own risk. You understand and agree that the Website is provided to you on an “AS IS” and “AS AVAILABLE” basis. Without limiting the foregoing, to the maximum extent permitted under applicable law, the Company, its parents, affiliates, related companies, officers, directors, employees, agents, representatives, partners and licensors (the “Company Entities”) DISCLAIM ALL WARRANTIES AND CONDITIONS, WHETHER EXPRESS OR IMPLIED, OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE OR NON-INFRINGEMENT. The Company Entities make no warranty or representation and disclaim all responsibility and liability for: (a) the completeness, accuracy, availability, timeliness, security or reliability of the Website; (b) any harm to your computer system, loss of data, or other harm that results from your access to or use of the Website; (c) the operation or compatibility with any other application or any particular system or device; and (d) whether the Website will meet your requirements or be available on an uninterrupted, secure or error-free basis. No advice or information, whether oral or written, obtained from the Company Entities or through the Website, will create any warranty or representation not expressly made herein. The Company does not provide financial, tax, legal or accounting advice, and you should consult your own professional advisors before making any such decisions, including whether to apply for or accept any loan.
(b)    THE LAWS OF CERTAIN JURISDICTIONS, INCLUDING THE STATE OF NEW JERSEY, DO NOT ALLOW LIMITATIONS ON IMPLIED WARRANTIES OR THE EXCLUSION OR LIMITATION OF CERTAIN DAMAGES AS SET FORTH BELOW. IF THESE LAWS APPLY TO YOU, SOME OR ALL OF THE DISCLAIMERS, EXCLUSIONS, OR LIMITATIONS HEREIN MAY NOT APPLY TO YOU, AND YOU MAY HAVE ADDITIONAL RIGHTS.

7.2    Limitations of Liability. TO THE EXTENT NOT PROHIBITED BY LAW, YOU AGREE THAT IN NO EVENT WILL THE COMPANY ENTITIES BE LIABLE FOR ANY INDIRECT, SPECIAL, EXEMPLARY, INCIDENTAL, CONSEQUENTIAL OR PUNITIVE DAMAGES (INCLUDING, BUT NOT LIMITED TO, PROCUREMENT OF SUBSTITUTE GOODS OR SERVICES, LOSS OF USE, DATA OR PROFITS, BUSINESS INTERRUPTION OR ANY OTHER DAMAGES OR LOSSES, ARISING OUT OF OR RELATED TO YOUR USE OR INABILITY TO USE THE WEBSITE), HOWEVER CAUSED AND UNDER ANY THEORY OF LIABILITY, WHETHER UNDER THESE TERMS OR OTHERWISE ARISING IN ANY WAY IN CONNECTION WITH THE WEBSITE OR THESE TERMS AND WHETHER IN CONTRACT, STRICT LIABILITY OR TORT (INCLUDING NEGLIGENCE OR OTHERWISE) EVEN IF THE COMPANY ENTITIES HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGE.  THE COMPANY ENTITIES’ TOTAL LIABILITY TO YOU FOR ANY DAMAGES FINALLY AWARDED SHALL NOT EXCEED ONE HUNDRED DOLLARS ($100.00). THE FOREGOING LIMITATIONS WILL APPLY EVEN IF THE ABOVE STATED REMEDY FAILS OF ITS ESSENTIAL PURPOSE. 

7.3    Indemnification. By entering into these Terms and accessing or using the Website, you agree that you shall defend, indemnify and hold the Company Entities harmless from and against any and all claims, costs, damages, losses, liabilities and expenses (including attorneys’ fees and costs) incurred by the Company Entities arising out of or in connection with your misuse of the Website, your violation of these Terms or of any law or the rights of any third party, or your negligence or willful misconduct.

7.4    WAIVER OF RIGHT TO BRING CLASS ACTION AND REPRESENTATIVE CLAIMS. To the fullest extent permitted by applicable law, you and the Company each agree that any proceeding to resolve any dispute, claim, or controversy will be brought and conducted ONLY IN THE RESPECTIVE PARTY’S INDIVIDUAL CAPACITY AND NOT AS PART OF ANY CLASS (OR PURPORTED CLASS), CONSOLIDATED, MULTIPLE-PLAINTIFF, OR REPRESENTATIVE ACTION OR PROCEEDING (“CLASS ACTION”).  You and the Company AGREE TO WAIVE THE RIGHT TO PARTICIPATE AS A PLAINTIFF OR CLASS MEMBER IN ANY CLASS ACTION.  You and the Company EXPRESSLY WAIVE ANY ABILITY TO MAINTAIN A CLASS ACTION IN ANY FORUM.  For the avoidance of doubt, however, you can seek public injunctive relief to the extent authorized by law. 

8.    ADDITIONAL PROVISIONS
8.1    Updating These Terms. We may modify these Terms from time to time in which case we will update the “Last Updated” date at the top of these Terms.  If we make changes that are material, we will use reasonable efforts to attempt to notify you, such as by e-mail and/or by placing a prominent notice on the first page of the Website. However, it is your sole responsibility to review these Terms from time to time to view any such changes.  The updated Terms will be effective as of the time of posting, or such later date as may be specified in the updated Terms. Your continued access or use of the Website after the modifications have become effective will be deemed your acceptance of the modified Terms. 

8.2    Electronic Communications and Signatures. You consent to receive notices and other communications from us electronically, including by e-mail or through the Website, and agree that such communications satisfy any legal requirement that they be in writing. You also consent to the use of electronic signatures in connection with any Program application or loan documentation, and agree that your electronic signature has the same legal effect as a handwritten signature.

8.3    Calls and Text Messages. By providing a telephone number to us, you consent to receive calls and text messages from us and our service providers at that number regarding your Program application, any loan and related account servicing, including messages sent using automated technology. Message and data rates may apply. Consent is not a condition of receiving a loan or participating in a Program. You may opt out of text messages at any time by replying STOP.

8.4    Termination of License. If you breach any of the provisions of these Terms, all licenses granted by the Company will terminate automatically. All sections which by their nature should survive the termination of these Terms shall continue in full force and effect subsequent to and notwithstanding any termination of these Terms by the Company or you. Termination will not limit any of the Company’s other rights or remedies at law or in equity. 

8.5    Injunctive Relief. You agree that a breach of these Terms will cause irreparable injury to the Company for which monetary damages would not be an adequate remedy and the Company shall be entitled to equitable relief in addition to any remedies it may have hereunder or at law without a bond, other security or proof of damages.

8.6    California Residents. If you are a California resident, in accordance with Cal. Civ. Code § 1789.3, you may report complaints to the Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs by contacting them in writing at 1625 North Market Blvd., Suite N 112, Sacramento, CA 95834, or by telephone at (800) 952-5210.

8.7    Miscellaneous. If any provision of these Terms shall be unlawful, void or for any reason unenforceable, then that provision shall be deemed severable from these Terms and shall not affect the validity and enforceability of any remaining provisions. These Terms and the licenses granted hereunder may be assigned by the Company but may not be assigned by you without the prior express written consent of the Company. No waiver by either party of any breach or default hereunder shall be deemed to be a waiver of any preceding or subsequent breach or default. The section headings used herein are for reference only and shall not be read to have any legal effect. These Terms are governed by the laws of the State of Delaware, without regard to conflict of laws rules, and the proper venue for any disputes arising out of or relating to any of the same will be the state and federal courts located in Delaware. 

8.8    How to Contact Us.  You may contact us regarding the Website or these Terms by e-mail at admin@stablehomefund.org.