PRIVACY STATEMENT

Virginia Housing and Community Development Corporation (VHCDC) is committed to safeguarding your privacy and protecting the information we collect to serve our mission of educating and empowering individuals, families, and minority business owners to build wealth, access capital and credit, and achieve homeownership. This Privacy Statement outlines how VHCDC collects, uses, and protects personal information.

Information Collection and Use
VHCDC collects personal information, including but not limited to, email addresses, telephone numbers, mailing addresses, and other non-public details, to provide and support services to our clients. We use this information to offer individualized guidance, educational programs, and resources that align with our mission of supporting financial empowerment and homeownership.

In addition to individual client services, VHCDC aggregates data to improve and expand our educational programs and resources, ensuring they are effective in helping individuals, families, and minority-owned businesses. We may also use this information to communicate with clients, investors, vendors, suppliers, donors, and others aligned with our mission, including through SMS text messages as needed.

Protection and Disclosure of Information
VHCDC is dedicated to maintaining the confidentiality of your information. We will not disclose any personal information to third parties except as required by federal and state law or as necessary to provide the services for which VHCDC and the client, investor, vendor, supplier, or donor are engaged.

Use of Cookies
To enhance user experience on the VHCDC website, we utilize cookies—small data elements that our website can send to your browser and store on your system. Cookies enable us to tailor content to your interests and ensure a seamless browsing experience on our site. By continuing to use the VHCDC website, you consent to our use of cookies.

SMS Terms & Conditions

VHCDC uses various methods to communicate with its clients (enrollees), vendors, service partners, and donors/supporters. The following terms apply to communications via SMS...

• The mobile telephone number obtained as part of the Digital and Voice consent process will not be shared with third parties, nor will the number be used for marketing purposes.
• If you have consented to receive text messages from VHCDC we will only communicate regarding the services you have enrolled or the services contracted and/or contemplated between you and VHCDC. We will not use SMS for unsolicited and/or unrelated messaging.
• Message frequency may vary depending on the service(s) being provided you or what you are rendering to us.
• Standard message and data rates may apply to SMS communications, depending on your carrier’s pricing plan. These fees may vary if the message is sent domestically or internationally.
• You may opt-in to receive SMS messages from VHCDC by enrolling in our Home Ownership Assistance Program (HOAP) and completing and submitting the Digital and Voice Consent Agreement online, completing and submitting the Digital and Voice Consent Agreement offline (email, fax, or U.S. Postal Service, or initiating correspondence with VHCDC by sending an SMS message to us.
• If you are experiencing any issues, you can get help directly from us at 757.800.1647.

SMS Disclosures:  

• Message and data rates may apply.
• You can opt out at any time by texting "STOP" or calling 757.800.1647
• For assistance, text "HELP" or call 757.800.1647.
• Message frequency may vary.

Client Management System
VHCDC utilizes a dedicated client management system to effectively service our clients. Access to and use of this system is limited exclusively to the purposes of programs and services for which clients have enrolled or subscribed, in alignment with our organization’s mission.

We appreciate your trust in VHCDC and are committed to protecting your privacy as we work together to achieve financial empowerment and homeownership.