Terms of Service & Privacy Policy

Please read these terms carefully before using our services. By using TJFF.us / Home Rescue, you agree to be bound by these terms and conditions.

Last updated: February 21, 2026

Terms of Service

Welcome to TJFF.us. These Terms of Service ("Terms") govern your access to and use of our website, products, and services ("Services"). TJFF.us is a non-profit organization dedicated to providing financial counseling, liabilities management, and educational services to help individuals achieve financial wellness.

Please read these Terms carefully. By accessing or using our Services, you agree to be bound by these Terms and our Privacy Policy. If you do not agree to these Terms, you may not access or use our Services.

Acceptance of Terms

  • By accessing or using our website and services, you agree to be bound by these Terms of Service.
  • If you disagree with any part of these terms, you may not access our services.
  • We reserve the right to modify these terms at any time without prior notice.
  • Continued use of our services after changes constitutes acceptance of the new terms.

Description of Services

  • TJFF.us provides non-profit financial counseling and liabilities management services.
  • Our services include credit counseling, liabilities management plans, housing counseling, and financial education.
  • We act as an intermediary between you and your creditors to negotiate reduced payments and interest rates.
  • Services are provided by certified credit counselors and financial advisors.
  • Results may vary based on individual circumstances and creditor participation.

User Responsibilities

  • You must provide accurate and complete information when using our services.
  • You are responsible for maintaining the confidentiality of your account credentials.
  • You must notify us immediately of any unauthorized use of your account.
  • You agree to make timely payments as outlined in any liabilities management plan.
  • You must inform us of any changes to your financial situation that may affect your plan.

Prohibited Activities

  • Using our services for any unlawful purpose or in violation of any laws.
  • Providing false, inaccurate, or misleading information.
  • Attempting to interfere with or disrupt our services or servers.
  • Impersonating any person or entity or misrepresenting your affiliation.
  • Using automated systems or software to extract data from our website.
  • Engaging in any activity that could damage our reputation or business.

Fees and Payments

  • Initial credit counseling sessions are provided free of charge.
  • Liabilities management plans may include a one-time setup fee and monthly maintenance fees.
  • All fees are disclosed upfront and must be agreed upon before services begin.
  • Fees may vary by state due to regulatory requirements.
  • Payments made through our liabilities management plans are distributed to creditors monthly.
  • We provide regular statements showing payments made and remaining balances.

Limitation of Liability

  • Our services are provided "as is" without warranties of any kind.
  • We do not guarantee specific results from our counseling or liabilities management services.
  • We are not responsible for actions taken by creditors or third parties.
  • Our liability is limited to the fees paid for services in the preceding 12 months.
  • We are not liable for indirect, incidental, or consequential damages.

Termination

We may terminate or suspend your access to our Services immediately, without prior notice or liability, for any reason whatsoever, including without limitation if you breach these Terms.

You may terminate your participation in our programs at any time by providing written notice. Upon termination:

  • Any remaining funds held on your behalf will be distributed to your creditors or returned to you.
  • You will be responsible for any remaining liabilities to your creditors.
  • Our obligation to make payments on your behalf will cease.
  • Creditors may resume their original payment terms and interest rates.

Intellectual Property

The Service and its original content, features, and functionality are and will remain the exclusive property of TJFF.us and its licensors. The Service is protected by copyright, trademark, and other laws.

Our trademarks and trade dress may not be used in connection with any product or service without the prior written consent of TJFF.us.

Dispute Resolution

Any disputes arising from these Terms or your use of our Services shall first be attempted to be resolved through good-faith negotiation. If negotiation fails, disputes shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association.

You agree that any dispute resolution proceedings will be conducted only on an individual basis and not in a class, consolidated, or representative action.

Governing Law

These Terms shall be governed and construed in accordance with the laws of the United States and the State in which our principal office is located, without regard to its conflict of law provisions.

Our failure to enforce any right or provision of these Terms will not be considered a waiver of those rights. If any provision of these Terms is held to be invalid or unenforceable by a court, the remaining provisions of these Terms will remain in effect.

Questions About Our Terms?

If you have any questions about these Terms of Service, please contact us at [email protected] or 1-888-433-6990.

Privacy Policy

Your privacy is important to us. This policy explains how we collect, use, and protect your personal information.

Last updated: February 21, 2026

TJFF.us ("we," "our," or "us") is committed to protecting your privacy. As a non-profit organization providing financial counseling and liabilities management services, we understand the sensitive nature of the information you share with us. This Privacy Policy describes how we collect, use, disclose, and safeguard your information when you visit our website or use our services.

By using our services, you agree to the collection and use of information in accordance with this policy. If you do not agree with our policies and practices, please do not use our services.

Information We Collect

  • Personal identification information (name, email address, phone number, mailing address).
  • Financial information necessary to provide our counseling services (income, expenses, liabilities).
  • Demographic information (zip code, preferences, interests).
  • Technical information (IP address, browser type, pages visited) collected automatically.

How We Use Your Information

  • To provide personalized financial counseling and liabilities management services.
  • To communicate with you about your account and our services.
  • To improve our website and services based on your feedback.
  • To comply with legal obligations and protect against fraud.
  • To send periodic emails regarding your services or other products (with your consent).

How We Protect Your Information

  • We use SSL encryption to protect sensitive information transmitted online.
  • We maintain physical, electronic, and procedural safeguards.
  • Access to personal information is restricted to employees who need it.
  • We regularly review and update our security practices.
  • We never sell or rent your personal information to third parties.

Information Sharing

  • We may share information with creditors as part of liabilities management programs (with your authorization).
  • We may share information with service providers who assist our operations.
  • We may disclose information when required by law or to protect our rights.
  • We do not sell, trade, or transfer your personal information to outside parties for marketing purposes.

Data Retention

  • We retain your personal information only as long as necessary to fulfill the purposes outlined.
  • Financial records are retained as required by law and industry regulations.
  • You may request deletion of your data, subject to legal requirements.
  • Anonymized data may be retained for statistical analysis.

Your Rights

  • Access: You may request a copy of the personal information we hold about you.
  • Correction: You may request that we correct inaccurate or incomplete information.
  • Deletion: You may request deletion of your personal information, subject to legal requirements.
  • Opt-out: You may opt out of marketing communications at any time.
  • Portability: You may request your data in a portable format.

Cookies and Tracking

We use cookies and similar tracking technologies to track activity on our website and store certain information. Cookies are files with a small amount of data that may include an anonymous unique identifier.

You can instruct your browser to refuse all cookies or to indicate when a cookie is being sent. However, if you do not accept cookies, you may not be able to use some portions of our service.

Types of cookies we use:

  • Essential cookies: Required for basic website functionality.
  • Analytics cookies: Help us understand how visitors interact with our website.
  • Preference cookies: Remember your settings and preferences.

Third-Party Links

Our website may contain links to other sites that are not operated by us. If you click on a third-party link, you will be directed to that third party's site. We strongly advise you to review the Privacy Policy of every site you visit.

We have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party sites or services.

Children's Privacy

Our services are not intended for anyone under the age of 18. We do not knowingly collect personally identifiable information from anyone under the age of 18. If you are a parent or guardian and you are aware that your child has provided us with personal information, please contact us.

Changes to This Privacy Policy

We may update our Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page and updating the "Last updated" date at the top of this policy.

We encourage you to review this Privacy Policy periodically for any changes. Changes to this Privacy Policy are effective when they are posted on this page.

Questions About This Privacy Policy?

If you have any questions about this Privacy Policy or our data practices, please contact us at [email protected] or 1-888-433-6990.

Email: [email protected]  |  Phone: 1-888-433-6990