Your privacy is very important to us. Accordingly, we have developed this Policy in order for you to understand how we collect, use, communicate and disclose and make use of personal information. The following outlines our privacy policy.

  • Before or at the time of collecting personal information, we will identify the purposes for which information is being collected.
  • We will collect and use of personal information solely with the objective of fulfilling those purposes specified by us and for other compatible purposes, unless we obtain the consent of the individual concerned or as required by law.
  • We will only retain personal information as long as necessary for the fulfillment of those purposes.
  • We will collect personal information by lawful and fair means and, where appropriate, with the knowledge or consent of the individual concerned.
  • Personal data should be relevant to the purposes for which it is to be used, and, to the extent necessary for those purposes, should be accurate, complete, and up-to-date.
  • We will protect personal information by reasonable security safeguards against loss or theft, as well as unauthorized access, disclosure, copying, use or modification.
  • We will make readily available to customers information about our policies and practices relating to the management of personal information.

We are committed to conducting our business in accordance with these principles in order to ensure that the confidentiality of personal information is protected and maintained.

Effective Date: April 13, 2026
Organization Name: HFLA of Northeast Ohio
Website: https://interestfree.org/
Contact Email: carrie@hflaclev.org
Phone: 216-378-9042

Overview
HFLA of Northeast Ohio respects your privacy and is committed to protecting your personal information.
This Privacy Policy explains how we collect, use, and safeguard information when communicating with clients via SMS text messaging.
We use SMS messaging strictly for one-to-one client communication and service-related interactions only.
We do not send marketing or promotional messages via SMS.

 

No mobile information will be shared with third parties/affiliates for marketing/promotional purposes. All other categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.

Information We Collect

When you communicate with us via SMS, we may collect:
• Your name
• Your phone number
• Message content you provide
• Communication history related to services
• Appointment or program-related details (if applicable)

Consent to Receive Messages
By providing your phone number and communicating with HFLA of Northeast Ohio, you
consent to receive SMS messages related to your services or inquiries.
Opt-Out Instructions
You may opt out at any time by replying STOP.
After opting out, you will no longer receive SMS communications unless you initiate contact again.

Message and Data Rates
Standard message and data rates may apply depending on your mobile carrier plan.

Information Sharing

HFLA of Northeast Ohio does not sell, rent, or share personal information with third parties
for marketing purposes.

Data Security
We implement reasonable safeguards to protect personal information from unauthorized
access, disclosure, or misuse.

How We Use Your Information

We use SMS messaging to:
• Respond to client inquiries
• Coordinate appointments or application steps
• Provide updates related to services or programs
• Share reminders or follow-up information
• Communicate important account or application updates

For assistance, reply HELP or contact:
carrie@hflaclev.org
216-378-9042

Contact Information
HFLA of Northeast Ohio
carrie@hflaclev.org
216-378-9042
https://interestfree.org/

SMS Terms and Conditions
Effective Date: April 13, 2026
Organization Name: HFLA of Northeast Ohio
SMS Communication Purpose
By opting in to receive SMS messages from HFLA of Northeast Ohio, you agree to receive service-related messages including:
• Responses to inquiries
• Application updates
• Appointment coordination
• Program reminders
• Follow-up communications related to services

HFLA of Northeast Ohio does not send marketing or promotional SMS messages.

Help Instructions
For assistance, reply HELP or contact:
carrie@hflaclev.org
216-378-9042

Message Frequency
Message frequency varies depending on your interaction with services and support needs.

Message and Data Rates
Standard message and data rates may apply depending on your mobile carrier.
Opt-Out Instruction
You may opt out at any time by replying STOP.
After opting out, SMS messages will stop unless communication is restarted by you.

Privacy Policy Reference

Your information is handled according to our Privacy Policy: interestfree.org/privacy

Consent

By providing your phone number and communicating with HFLA of Northeast Ohio, you consent to receive service-related SMS communications.

At-A-Glance

HFLA of Northeast Ohio has been a community resource since making its first interest-free loan in 1904. Today, HFLA’s impact is as significant as ever, helping students, businesses, and residents of Northeast Ohio attain financial stability through interest-free lending. 

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Location

1422 Euclid Avenue, Suite #400 | Cleveland, OH, 44115

Hours

Monday to Friday, 9:00 AM to 4:00 PM; open by appointment only. 

Hours may vary