Use of This Web Site
Your access and use of the Kentucky Housing Corporation Web site is subject to the following terms and conditions and all applicable laws. By accessing and browsing this site, you accept these terms and conditions without limitation or qualification.
Disclaimer
All information contained in this Web site is obtained from sources believed to be accurate and reliable. This information, however, is prepared "without audit" unless otherwise identified as audited financial information. Due to the possibility of human or mechanical error as well as other factors, this information is provided "as is" without warranty of any kind and Kentucky Housing and its employees make no representation, express or implied, as to the accuracy, reliability, completeness or timeliness of this information, and are not responsible for any loss or damages incurred by parties using this information.
Under no circumstances shall Kentucky Housing have any liability to any person or entity for (1) any loss or damage in whole or part caused by, resulting from or relating to any error (neglect or otherwise) or other circumstances involved in procuring, collecting, compiling, interpreting, analyzing, editing, transcribing, communicating or delivering any such information; or (2) any direct, indirect, special, consequential or incidental damages whatsoever, even if Kentucky Housing is advised in advance of the possibility of such damages, resulting from the use of, or inability to use, any such information.
Restrictions on Use of Web Site Materials
Kentucky Housing Corporation maintains this Web site to provide information, education and communication. Please feel free to browse the site. You may download material displayed on this site for non-commercial personal use only provided you also retain all copyright and other proprietary notices contained on the materials. You may not, however, distribute, modify, transmit, reuse, repost or use the contents of this site for public or commercial purposes, including the text, images, audio and video without the express written permission of Kentucky Housing.
Links to Other Web Sites
Links to information on sites other than those operated by or on behalf of Kentucky Housing Corporation are for your convenience only and are not an endorsement or recommendation of those sites. Kentucky Housing does not control or provide any content or information at these sites; makes no representation or warranty of any kind with respect to these sites or their content; and does not maintain, operate or take responsibility for what appears there. Kentucky Housing does not endorse and is not responsible for the accuracy or reliability of such content or information and any use thereof is solely at the user's risk.
House Plans Disclaimer
Kentucky Housing Corporation has on its Web site house plans available free of charge to any person(s) who wishes to utilize them. The designs can be modified as needed and are not necessarily the final design. Kentucky Housing staff will not add to or modify plans. It is the responsibility of the person(s) using these plans to find their own designer or architect to make any changes.
In addition, it is important to note that Kentucky Housing is not liable for the structural integrity of any home built from these plans. Kentucky Housing disclaims all warranties, expressed or implied, including merchantability or fitness of purpose. Kentucky Housing is not liable for incidental, special, consequential or indirect damages of any kind, including but not limited to, loss of anticipated profits, business opportunities or any other economic loss arising from the use of the plans.
It is the responsibility of the person(s) using these plans to ensure the accuracy of the plans, compliance with local building codes, statutes and regulations. It is also the responsibility of anyone using the plans to obtain an engineering and structural analysis and all necessary permits for construction.
It is neither the intention of Kentucky Housing nor the designers and architects of the plans that any plan be sold for profit.
Fair Housing Act
The Kentucky Fair Housing Act, part of the Civil Rights Act of 1968, was created to level the playing field for everyone seeking housing. It prohibits discrimination in the sale, rental and financing of dwellings based on race, color, religion, sex, disability, national origin or familial status.
To learn more about your fair housing rights, visit our Fair Housing page.
PRIVACY POLICY (updated 2/25/2008)
Kentucky Housing Corporation (referred to "KHC" or "We") hereby adopts the following Privacy Policy:
Customer's Right to Privacy
KHC understands and respects our customers' right to privacy and our obligation to keep any and all customer information confidential. It is important for you to know that KHC does not sell customer information. We have developed and will continue to maintain certain standards to ensure that customer information is secure and private at all times.
Collection, Retention and Use of Customer Information
We collect nonpublic personal information from the following sources:
- Information provided on applications and other forms such as name, address, social security number and income
- Information received from credit reporting agencies
- Information concerning payment history, balances, creditworthiness and credit history
We collect, use and retain customer information when we believe it would be necessary to conduct KHC's business and/or to offer or provide services to our current and prospective customers. KHC does not disclose any nonpublic personal information regarding our customers, past or present, to anyone, except as permitted by law.
Access to Customer Information
Employee access to personal customer information is limited to those with a business reason for knowing such information. Employees are educated in the importance of maintaining customer confidentiality and privacy. We periodically review employee compliance to enhance the protection of customer information.
KHC also maintains appropriate security procedures regarding unauthorized access to customer information as required by applicable laws, regulations and corporate policy.
Disclosure of Information to Affiliated and Nonaffiliated Third Parties
We may disclose nonpublic personal customer information to program areas within KHC, when:
- The customer requests that we do so.
- The information is provided to help complete a customer-initiated transaction, such as consumer reporting agencies, coupon book vendors, federal insuring agencies, private mortgage insurers, and loss mitigation service providers.
In addition, we may disclose nonpublic personal customer information when the disclosure is allowed or required by applicable law (a subpoena or fraud investigation).
Open Records Requests
Kentucky Revised Statute (KRS) 61.870 and the Open Records Act (ORA) define a public record as "all books, papers, maps, photographs, cards, tapes, discs, diskettes, recordings, software, or other documentation regardless of physical form or characteristics, which are prepared, owned, used, in the possession of or retained by a public agency."
KRS 61.878 specifically itemizes a number of exclusions to which public records may be disclosed. Requested records will be provided in accordance with these exclusions and in accordance with the opinions of the Kentucky Attorney General. In part, the following records are exempt from an information request under KRS 61.878 (1)
1. Public records containing information of a personal nature where the public disclosure thereof would constitute a clearly unwarranted invasion of personal privacy (KRS 61.878 (1) (a) ).
2. Records of law enforcement agencies or agencies involved in administrative adjudication that were compiled in the process of detecting and investigating statutory or regulatory violations, if the disclosure of the information would harm the agency (KRS 61.878(1)(g)).
3. Preliminary drafts, notes and correspondence with private individuals other than correspondence that is intended to give notice of final action of a public agency (KRS 61.878 (1)(h)).
4. Preliminary recommendations and preliminary memoranda in which opinions are expressed or policies are formulated or recommended (KRS 61.878 (1)(j)).
5. Public records or information the disclosure of which is otherwise prohibited by federal law or regulation, and public records or information the disclosure of which is prohibited or restricted or otherwise made confidential by an enactment of the General Assembly (KRS 61.878 (1)(j & k)).
To make an Open Records Request, you must submit a written request to:
Kentucky Housing Corporation
Legal Department
1231 Louisville Rd.
Frankfort, KY 40601
502.564.7630
Fax: 502.564.8015
Drug-Free Workplace
As a recipient of federal funding, Kentucky Housing must be in compliance with the requirements of the Drug-Free Workplace Act. We have provided a copy of the annual state certification for federal grants on this site. Please copy as necessary for all applicable funding applications. Thank you for ensuring that Kentucky Housing remains in compliance with the Act.