Our Financial Health

Last updated: October 14, 2026

Our Financial Health (“OFH,” “we,” “us,” or “our”) respects your privacy.

This policy explains how we collect, use, share, and protect personal information when you visit www.ofhinitiative.com, contact us, or use our services.

INFORMATION WE COLLECT

We may collect the following information:

• Contact information, including your name, email address, phone number, and mailing address.

• Information you voluntarily provide about your housing needs, household, financial wellness goals, credit, income, budgeting, savings, or homeownership readiness.

• Membership, appointment, service request, and communication records.

• Documents you submit to support services you request.

• Your SMS preferences and records of your consent to receive text messages.

• Website usage information, such as pages visited, links clicked, browser information, and information collected through cookies or similar technologies.

Payment transactions may be handled by third-party payment providers under their own privacy policies.

HOW WE USE YOUR INFORMATION

We use personal information to:

• Respond to questions and provide customer support.

• Provide financial wellness education, rental housing assistance, and Pathway to Homeownership support.

• Schedule consultations and manage memberships.

• Develop personalized roadmaps and track progress.

• Request documents and provide service updates.

• Process payments and send payment reminders.

• Improve our website and services.

• Send educational or promotional communications where permitted and, when required, with your consent.

• Comply with legal obligations and protect against fraud or misuse.

HOW WE SHARE YOUR INFORMATION

We may share relevant personal information with service providers that help us operate our business, including providers of website hosting, client management, scheduling, payment processing, and communications services.

With your authorization, we may share information with housing providers, counselors, financial professionals, or other partners assisting with services you request.

We may also disclose information when required by law or when reasonably necessary to protect our clients, our organization, or others.

Mobile phone numbers, SMS opt-in information, and SMS consent are not shared with third parties or affiliates for marketing or promotional purposes. SMS consent is not shared with third parties or affiliates.

Service providers that deliver text messages on our behalf may process the phone numbers and messaging information necessary to provide that service. They are not authorized to use this information for their own marketing.

SMS TERMS & CONDITIONS

If you consent to receive text messages from Our Financial Health verbally during our conversation , we may send messages related to your requested services, including:

• Enrollment and account notifications.

• Appointment confirmations and reminders.

• Membership payment reminders.

• Customer care responses and follow-ups.

• Document requests and notifications.

• Updates about rental housing assistance or your Pathway to Homeownership progress.

Message frequency varies. Message and data rates may apply.

Consent to receive text messages is not a condition of purchasing services.

You may opt out at any time by replying STOP. After opting out, you may receive a final message confirming your request.

Reply HELP for assistance or contact us using the contact information on our website.

COOKIES AND SIMILAR TECHNOLOGIES

Our website may use cookies, pixels, and similar technologies to understand website activity, improve functionality, and personalize content.

You can manage or disable cookies through your browser settings. Disabling cookies may affect certain website features.

STORAGE AND SECURITY

We use reasonable administrative, technical, and organizational measures to protect personal information and limit access to those who need it to provide services or support our operations.

No method of internet transmission or electronic storage is completely secure. We cannot guarantee absolute security.

INFORMATION RETENTION

We retain personal information for as long as reasonably necessary to provide services, maintain required records, resolve disputes, and meet legal obligations. Retention periods may vary depending on the information and its purpose.

YOUR PRIVACY CHOICES

You may contact us to request access to, correction of, or deletion of your personal information, subject to applicable law and recordkeeping requirements.

You may unsubscribe from marketing emails using the unsubscribe instructions provided in those messages. You may opt out of text messages by replying STOP. We may need to verify your identity before completing a privacy request.

THIRD-PARTY WEBSITES AND SERVICES

Our website and communications may link to third-party websites, forms, or services. Those providers have their own privacy policies. Please review their policies before submitting personal information.

SMS MESSAGING

By opting into SMS from a web form or other medium, you are agreeing to receive SMS messages from OFH Initiative. This includes SMS messages for account notifications, customer care, delivery notifications. Message frequency varies. Message and data rates may apply. See privacy policy at https://www.ofhinitiative.com/privacy. Message HELP for help. Reply STOP to any message to opt out.

CHANGES TO THIS POLICY

We may update this Privacy Policy as our services or practices change. Updates will appear on this page with a revised “Last updated date.

For questions about this Privacy Policy or requests concerning your personal information, please contact Our Financial Health using the email address or contact options listed on our

website:https://www.ofhinitiative.com