Terms & Conditions

These Terms & Conditions (“Terms”) govern your use of the website, member app, tools, and services offered by National Foreclosure Prevention Group (“NFPGRP,” “we,” “us,” or “our”). By accessing our site, creating an account, subscribing to a membership tier, booking a consultation, joining a waitlist, using Chat Access, or otherwise engaging with our services, you agree to these Terms.

1. Educational platform, not legal or financial advice

NFPGRP is an educational platform. We are not attorneys, we are not a law firm, we are not a mortgage broker, we are not a HUD-approved housing counselor, and we are not a debt settlement company. Nothing on this site, in a consultation call, in Chat Access, in SMS conversations with our team, or in any materials we provide constitutes legal advice, financial advice, or a recommendation to take or refrain from any specific action.

Using our services does not create an attorney-client relationship, a fiduciary relationship, or any other professional relationship that would give rise to duties of confidentiality or care beyond those set out in these Terms and our Privacy Policy.

2. What we actually offer

Free 15-minute educational call

We offer a free 15-minute educational conversation about how the federal foreclosure process typically works and what our team has seen in cases that share characteristics with yours. We will not pull your case files in advance, we will not tell you what to do in your specific case, and we cannot guarantee any outcome.

Chat Access: AI Case Library

A paid service that provides organized access to public court documents and forms that are also available at your local courthouse. The AI Case Library does not complete forms on your behalf, does not tell you how to complete them, and does not represent you in any legal matter. See our AI Policy for details on how the AI component works and its limits.

Member app (Starter, Standard, Premium)

A subscription-based dashboard for tracking your foreclosure case. Depending on your tier, our team looks up public court filings tied to your case directly with the county or via a public-records (FOIL) request, our AI recommends educational content and forms based on what we find, and higher tiers add a scheduled monthly call and a personal SMS AI companion. See our Membership section for exactly what each tier includes.

Every tier includes a free 30-day trial; you are not charged until it ends and can cancel anytime during the trial with nothing owed. During your trial, our team looks up your case directly with the county, or files a public-records (FOIL) request when a county does not have it online. This typically takes a few business days and can take longer for some counties and case types.

$500 emergency consultation

A paid priority-scheduling call for homeowners whose case has an active auction date. If you enroll in any membership tier afterward, the $500 fee is credited toward your first month of that membership.

3. No guaranteed outcomes

Foreclosure outcomes depend on many factors we do not control, including your lender, your state and county, your court, your credit profile, and decisions you make. Any statistics, timelines, or credit-score projections shown on this site (for example, the FreshStart score projector) are illustrative estimates based on generalized data, not predictions specific to your case, and are not guarantees.

4. Eligibility

You must be at least 18 years old and legally capable of entering into a binding agreement to use our services.

5. Your account and communications

If you provide us with contact information (name, email, phone number), you consent to being contacted by NFPGRP by email, phone, and SMS about the service you requested. SMS use is governed by our SMS Policy. You may withdraw consent at any time by replying STOP to a text message, unsubscribing from an email, or emailing us at the address in Section 15.

When you create a member account, you agree to:

• Provide accurate registration information (your real name, a working email address, a valid phone number if you supply one)
• Keep your password secure. You are responsible for activity under your account
• Notify us promptly if you believe your account has been accessed without your permission
• Not share your account, and not create an account on behalf of someone else without their written permission

6. Your case data and uploaded documents

When you use the member app, you may enter case information (case number, index ID, county, property address, key dates, notes) and upload documents (court filings, servicer letters, related paperwork).

You own your data. You retain all rights to the case information and documents you upload. You grant NFPGRP a limited, non-exclusive, worldwide license to store, process, transmit, and display that content solely to deliver the service to you, and to run the AI extraction and support functions described in our AI Policy and Privacy Policy. This license ends when the content is deleted from our systems as described in our Privacy Policy.

You represent that you have the right to upload every document you share with us, and that doing so does not violate any court sealing order, protective order, third party right, or law. Do not upload documents you were told not to share.

Public court records that our team locates on your behalf, directly with the county or through a public-records (FOIL) request, are not your property; they belong to the public record. We assemble them into your case view for your convenience.

7. Payment and subscriptions

Where a service is paid (for example, our Starter, Standard, or Premium membership tiers, Chat Access, or FreshStart), pricing is shown and confirmed before payment is requested. All payments are handled by third-party payment processors (currently Stripe), and their terms also apply.

Every Starter, Standard, and Premium plan includes a free 30-day trial starting the day you subscribe. You are not charged until the trial ends. You can cancel at any time during the trial from your Stripe customer portal, with nothing owed, and your access ends immediately upon cancellation. If you cancel during your trial, case data and documents you uploaded are retained for 90 days as described in our Privacy Policy, in case you resubscribe.

If you do not cancel before the trial ends, your card is charged the listed monthly price and your subscription auto-renews each billing cycle after that, until you cancel. You can cancel at any time from your Stripe customer portal; cancellation takes effect at the end of the current billing period, and you keep access through the end of that period. We do not offer prorated refunds for the current billing period once it has started, unless required by law.

Features described for each tier are what we intend to deliver, but availability of specific features (for example, live-chat hours, response times, or partner-network discounts) can change as we scale. Material changes to what a tier includes will be announced before they take effect.

8. Intellectual property

All content on this site, text, graphics, logos, page layouts, software, and the AI Case Library organization, is owned by NFPGRP or its licensors and is protected by U.S. and international intellectual property laws. Public court forms distributed through the AI Case Library remain public documents; our compilation and organization of them does not.

9. Acceptable use

You agree not to:

• Use our services to give legal advice to others, or to claim that our services constitute legal advice
• Copy, resell, or redistribute the AI Case Library, its forms, or its organization
• Reverse-engineer, scrape, or attempt to extract training data from any AI component of our services
• Submit false, misleading, or someone else's personal information
• Interfere with our services or attempt to gain unauthorized access to our systems

10. Disclaimers

Our services are provided “as is” and “as available”, without warranties of any kind, express or implied, including any implied warranties of merchantability, fitness for a particular purpose, or non-infringement. We do not warrant that our services will be uninterrupted, accurate, or free of errors, or that any AI output is correct or suitable for your case.

11. Limitation of liability

To the maximum extent permitted by law, NFPGRP, its officers, employees, and contractors will not be liable for any indirect, incidental, special, consequential, or punitive damages, or for any loss of profits, revenues, data, or goodwill, arising out of or related to your use of our services. Our total liability for any claim will not exceed the amount you paid us in the twelve months before the event giving rise to the claim, or $100 if you did not pay us anything.

12. Indemnification

You agree to indemnify and hold NFPGRP harmless from any claim arising out of your breach of these Terms, your misuse of our services, or your actions or decisions in your foreclosure or legal matter.

13. Governing law and disputes

These Terms are governed by the laws of the state in which NFPGRP is headquartered, without regard to conflict-of-law principles. Any dispute will be resolved in the state or federal courts located in that state, and you consent to their exclusive jurisdiction and venue.

14. Contact

Questions about these Terms can be sent to the contact address NFPGRP designates for legal notices (see the site footer or your onboarding email).

15. Changes to these Terms

We may update these Terms from time to time. When we do, we'll update the “Last updated” date at the top of this page. Continued use of our services after changes take effect constitutes acceptance of the updated Terms.