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Terms & Conditions

Effective Date: 02/24/2026

Welcome to the website of Future Homebuyers Organization (FHO) (“FHO,” “we,” “our,” or “us”). By accessing or using this website, you agree to the following Terms and Conditions. If you do not agree, please do not use this site.

FHO is a community-based organization expanding access to stable, permanently affordable homeownership for Bellingham and Whatcom County residents through education, partnerships, and resident-owned housing initiatives.

1. Use of This Website

This website is provided for informational and educational purposes. You agree to use this website only for lawful purposes and in a way that does not infringe upon or restrict the rights of others.

We reserve the right to modify, update, or discontinue any portion of this website at any time without notice.

2. No Legal, Financial, or Investment Advice

The information provided on this website is for general educational purposes only.

FHO does not provide legal, financial, tax, mortgage, or investment advice. Participation in FHO programs, workshops, or initiatives does not guarantee homeownership, financing approval, property acquisition, or funding.

You are encouraged to consult licensed legal, financial, and real estate professionals before making any housing or financial decisions.

3. Program Participation

Eligibility requirements apply to FHO programs and projects. Submission of an interest form, application, or inquiry does not guarantee acceptance, funding, or participation.

FHO reserves the right to:

  • Determine eligibility criteria

  • Modify program requirements

  • Change timelines

  • Decline or discontinue participation

  • Cancel or revise projects as necessary

All program decisions are made at the discretion of FHO.

4. Donations and Payments

Donations and payments made to FHO are processed through a third-party payment processor (such as Stripe). By submitting payment, you agree to the terms and privacy policies of the payment processor.

Unless otherwise stated, donations are voluntary and non-refundable. If you believe a payment was made in error, please contact us promptly at [Insert Contact Email].

If you enroll in a recurring donation, you may cancel future payments at any time through the payment platform or by contacting us.

5. Intellectual Property

All content on this website — including text, graphics, logos, documents, and materials — is the property of Future Homebuyers Organization unless otherwise noted.

You may view and download materials for personal, noncommercial use only. You may not reproduce, distribute, modify, or republish materials without prior written permission from FHO.

6. User Submissions

If you submit information to FHO through forms, applications, surveys, or other communications:

  • You agree that the information provided is accurate and truthful.

  • You grant FHO permission to use submitted information for program evaluation and communication purposes.

  • Testimonials may be used publicly only with your consent.

We reserve the right to remove or decline any submission at our discretion.

7. Privacy

Your use of this website is also governed by our Privacy Policy. Please review our Privacy Policy to understand how we collect, use, and protect your information.

8. Third-Party Links

This website may contain links to third-party websites. FHO is not responsible for the content, policies, or practices of external sites. Accessing third-party websites is done at your own risk.

9. Limitation of Liability

To the fullest extent permitted by law, Future Homebuyers Organization shall not be liable for any indirect, incidental, consequential, or punitive damages arising from your use of this website or participation in any program.

Use of this website is at your own risk.

10. Governing Law

These Terms and Conditions are governed by the laws of the State of Washington, without regard to conflict of law principles.

11. Changes to These Terms

FHO may update these Terms and Conditions at any time. Changes will be effective upon posting to this page. Continued use of the website constitutes acceptance of any revised terms.

12. Contact Information

If you have questions about these Terms and Conditions, please contact:

Future Homebuyers Organization using the contact information provided below.

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