Housing Counseling Disclosure
About Us and Program Purpose:
The mission of CHN Housing Partners (CHN) is to build strong families and vibrant
neighborhoods through quality affordable housing and strengthened financial stability. CHN is a nonprofit, HUD-approved
housing counseling agency. We provide free housing counseling and education services, including Mortgage Delinquency &
Default Resolution, Reverse Mortgage, Pre-purchase, Financial, Budgeting, & Credit Repair, and Rental Housing Counseling
services, as well as Financial, Budgeting, & Credit Repair and Pre-purchase Homebuyer Education Workshops. We serve all
clients regardless of income, race, color, religion/creed, sex, national origin, age, family status, disability, or sexual
orientation/gender identity. We administer our programs in conformity with local, state, and federal anti-discrimination laws,
including the federal Fair Housing Act (42 USC 3600, et seq.). As a housing counseling program participant, please affirm
your roles and responsibilities along with the following disclosures and initial, sign, and date this form below.
Client and Counselor Roles and Responsibilities
Termination of Services: Failure to work cooperatively with your housing counselor and/or CHN will result in the discontinuation of counseling services. This includes, but is not limited to, missing three consecutive appointments. By signing below, you are acknowledging that you have read and understood this.
No CHN employee, volunteer, or agent shall undertake any action that might result in, or create the
appearance of, administering counseling operations for personal or private gain, provide preferential treatment for any person
or organization, or engage in conduct that will compromise our agency’s compliance with federal regulations and our
commitment to serving the best interests of our clients.Agency Relationship:
CHN has financial affiliation with HUD, United Way of Greater Cleveland, the State of Ohio, Cuyahoga
County, the City of Cleveland, and banks including Third Federal, KeyBank, and JP Morgan Chase. As a housing counseling
program participant, you are not obligated to use the products and services of CHN or our industry partners.
Alternative Services, Programs, and Products & Client Freedom of Choice:
In the interest of full disclosure, CHN also
provides utility services with partnerships through: Dominion East Ohio, Illuminating Company, Cleveland Public Power,
Division of Water, NEO Regional Sewer District, and U.S. Department of Energy, Health, and Human Services. CHN also
provides tax preparation through a partnership with Enterprise Community Partners and the IRS VITA program. As a housing
counseling client, you are not obligated to participate in any of these services. You are entitled to choose whatever services
and/or products best meet your needs. Fees:
CHN currently charges a fee of $125 for Reverse Mortgage Counseling, paid to CHN upon service. All other direct services
are free of charge. Service cannot be denied due to an inability to pay and cannot impose a financial hardship. CHN also offers
two online homebuyer education platforms, Framework and eHome America, which cost $75 and $99, respectively, and are
paid directly to the vendor. If applicable, I/we acknowledge that you received a copy of CHN’s Fee Structure at the time Reverse Mortgage Services were provided. Referrals and Community Resources:
CHN provides a community resource list which outlines regional services available to
meet a variety of needs, including utility assistance, food banks, and legal aid assistance, among others. This list also identifies
If applicable, I/we acknowledge that you received a copy of ‘For Your Protection: Get a Home Inspection’ and ’10
Important Questions to Ask Your Home Inspector’.Errors and Omissions and Disclaimer of Liability:
I/we agree that CHN, its employees, agents, and directors are not liable
for any claims and causes of actions arising from errors or omissions by such parties, or related to my participation in CHN
counseling; and I hereby release and waive all claims of action against CHN and its affiliates. I have read this document,
understand that I have given up substantial rights by signing it, and have signed it freely and without any inducement or
assurance of any nature and intend it to be a complete and unconditional release of all liability to the greatest extent allowed
by law. If any provision of this document is unenforceable, it shall be modified to the extent necessary to make the provision
valid and binding, and the remainder of this document shall remain enforceable to the full extent allowed by law. Please note
that representatives of CHN do not provide tax or legal advice and that you should consult your tax advisor or attorney for
In order to assess client satisfaction and in compliance with grant funding requirements, CHN, or one of
its partners, may contact you during or after the completion of your housing counseling service. You may be requested to
complete a survey asking you to evaluate your client experience. Your survey data may be confidentially shared with CHN
grantors such as HUD.
Sharing of Information:
By signing this Disclosure Statement I give CHN authorization to share my information with HUD and
other third parties, as applicable.
Clients of Neighborhood Housing Services of Greater Cleveland, Inc.:
In July of 2019, NHS of Greater Cleveland, Inc.
became an affiliate of CHN and all housing counseling activities of both agencies are now administered and managed by CHN. If
you were an active client of NHS of Greater Cleveland, Inc. before July 2019 we require your agreement to allow CHN
employees to access your information across our integrated platform in the ways and for the purposes outlined above. You
CHN Housing Partners CHN) is committed to assuring the privacy of individuals and/or families who have contacted us for assistance. We
realize that the concerns you bring to us are highly personal in nature. We assure you that all personal information shared orally and/or in
writing will be managed within ethical and legal consideration. Additionally, we want you to understand how we use the personal
information we collect. Please carefully review this notice as it describes our policy regarding the collection and disclosure of your
nonpublic, personal information. What is nonpublic, personal information?
- Information that identifies an individual personally and is not otherwise publicly available information, such as your Social Security
Number or demographic data such as your race and ethnicity
- Includes personal financial information such as credit history, income, employment history, financial assets, bank account information
and financial debts
What personal information does CHN collect about you and from what sources?
- Information that you provide on applications, forms, emails, or verbally
- Information about your transactions with us, our affiliates, or others
- Information we receive from your creditors or employment references
- Credit report
What categories of information do we disclose and to whom?
We may disclose the following personal information to financial service providers (such as companies providing home mortgages) Federal,
State, and nonprofit partners for program review, monitoring auditing, research, and/or oversight purposes, and/or any other preauthorized individual and/or organization. The types of information we disclose are as follows:
- Information you provide on applications/forms or other forms of communication. This information may include your name, address,
Social Security Number, employer, occupation, account numbers, assets, expenses, and income.
- Information about your transactions with us, our affiliates, or others; such as your account balance, monthly payment, payment history,
and method of payment.
- Information we receive from a consumer credit reporting agency, such as bureau reports, your credit and payment history, your credit
scores, and/or your creditworthiness.
- We do not sell or rent your personal information to any outside entity.
- We may share anonymous, aggregated case file information; but this information may not be disclosed in a manner that may personally
identify you in any way. This is done in order to evaluate our program, gather valuable research information, and/or design future
- We may also disclose personal information about you to third parties as permitted by law or when required by a governmental authority
How is your personal information secured?
We restrict access to your nonpublic personal information to CHN employees who need to know that information in order to perform their
housing counseling duties. We maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard your
nonpublic personal information; and we train our staff to safeguard client information and prevent unauthorized access, disclosure, or use.
Opting out of certain disclosures: You may direct CHN to not disclose your nonpublic, personal information to third partners (other than disclosures made to project partners,
those permitted by law or required by governmental authorities). However, if you choose to opt out, we will not be able to answer any
questions from your creditors, which may limit CHN’s ability to provide services such as foreclosure prevention counseling. If you choose to
opt out, please call 216.881.8443 and advise that you wish to opt out of certain disclosures.