The National Second Chance Network operates FindSecondChance.com, a 50-state housing access, intelligence, and professional routing ecosystem built for people navigating documented rental barriers, voucher access challenges, legal barriers, financial barriers, business recovery needs, and homeownership obstacles. NSCN exists to organize public information, member intake, protected routing, pathway navigation, partner standards, barrier documentation, and de-identified, aggregated, non-member-level intelligence.

NSCN does not conduct, supervise, manage, oversee, finance, approve, or participate in any transaction, engagement, legal matter, housing application, financial matter, business matter, homeownership matter, or professional service relationship between a member and an independent partner. Independent professional subscribers and NSCN Verified Partners are not NSCN staff, employees, agents, contractors employed by NSCN, legal extensions of NSCN, or representatives of NSCN in any form. This is a foundational structural fact with direct significance throughout these Terms.

The following are operative disclaimers. They define the boundary of NSCN’s role and govern how these Terms are interpreted.

NSCN is not, and does not operate as: a real estate brokerage or licensed real estate broker; a landlord, property owner, or property management company; a government agency or public housing authority; a voucher issuer, voucher administrator, or HUD-affiliated entity; a law firm, legal aid office, attorney, or legal services provider; a financial institution, lender, credit-repair organization, or debt-relief agency; an insurance carrier or licensed insurance producer; an employer, staffing agency, or employment-placement provider; a guarantor, co-signer, or housing outcome provider; an emergency housing or shelter service; a bulk intake marketplace; multi-provider routing board; or a mass solicitation network.

Member intake is not open-market inventory. NSCN does not approve or deny housing applications, vouchers, leases, rental assistance, credit decisions, legal outcomes, financial products, background checks, insurance matters, employment matters, business outcomes, homeownership outcomes, or government benefits.

Nothing in these Terms, on FindSecondChance.com, in any NSCN form, or in any NSCN communication creates an attorney-client relationship, broker-client relationship, fiduciary duty, employment relationship, agency relationship, joint venture, partnership, referral-fee relationship, or professional-services relationship between NSCN and any member, partner, subscriber, user, visitor, or third party unless a separate signed written agreement expressly creates one.

NSCN organizes professional routing access through five core service nodes. Partners subscribe to access within their designated node, approved category, and state. Members submit intake requests within the node relevant to their stated need. NSCN may route the request to one subscribed NSCN Verified Partner or intake pathway under the network’s one-request, one-designated-partner routing model. No node, category, partner listing, Partner Audit ID, partner subscription, pathway description, or routing action constitutes a recommendation, endorsement, guarantee, certification of professional competence, warranty, or promise of any kind.

• A. Housing Node: Free Locating Services Housing Node locators and Housing Node partners are independent professionals, businesses, brokerages, or organizations where applicable. They are not NSCN staff, employees, agents, representatives, contractors employed by NSCN, or legal extensions of NSCN. They subscribe for access to the NSCN network within their approved Housing Node category and state. Subscription grants access to the routing network only and does not make a locator NSCN staff, an NSCN brokerage branch, or a representative authorized to bind NSCN. Housing Node routing is form-based: one submitted form may be routed to one designated locator or intake pathway, and a member seeking another locator or second routing option must submit a new applicable form, Resolution Web request, or other NSCN-designated return pathway where available. All Housing Node locating services are free to members. A locator who charges, attempts to charge, requests, or accepts any direct locating fee from a member for Housing Node locating services is in violation of NSCN’s Terms and the Second Chance Living Standard™. Members who are charged a locating fee by any partner claiming NSCN affiliation should report the charge to nscn@findsecondchance.com and include supporting proof, such as an invoice, receipt, bank statement, payment record, or other documentation showing the charge. NSCN is not responsible for refunding, reimbursing, reversing, or guaranteeing recovery of any fee paid to an independent locator or partner. Refund disputes remain between the member, the partner, and any applicable payment provider or financial institution. Confirmed or credible reports may result in immediate review, suspension, and removal from the network. The Housing Node may include the following service categories: Second Chance Apartment Locating; Second Chance Rental Locating; Standard Apartment Locating for members with strong credit, no rental barriers, and excellent rental history; Standard Rental Locating for members with strong credit, no rental barriers, and excellent rental history; Voucher-Holder Zip Code Search. The Voucher-Holder Zip Code Search is a free information service. Locators are not required to place a voucher holder, guarantee participating properties, or perform any activity outside their own licensing, brokerage, fair housing, and business obligations. Where applicable, a locator may review member-requested ZIP codes and provide general participating-property availability information through the member’s NSCN routing path. Any separate ZIP-level market research contribution requested by NSCN must be voluntary, non-client-specific, and governed by separate written research terms. No member names, confidential applicant records, or private client files are part of any voluntary research contribution. Locators may not charge members for this search under any framing.
• B. Legal Node Legal Node partners are independent licensed attorneys, law firms, legal organizations, or legal-service professionals where applicable. They are not NSCN staff, employees, agents, representatives, contractors employed by NSCN, or legal extensions of NSCN. They subscribe for access to the NSCN network within their approved Legal Node category and state. Subscription grants access to the routing network only and does not make a Legal Node partner NSCN staff or a representative authorized to bind NSCN. NSCN does not provide legal advice, legal representation, or attorney-client relationships. Routing to a Legal Node partner does not create a legal engagement. Potential Legal Node categories may include: Criminal Record Expungement and Sealing; Eviction Defense and Record Dispute; Fair Housing and Source-of-Income Discrimination; Tenant Rights and Lease Dispute Counsel; Bankruptcy Filing and Discharge Protection; FCRA Defense and Background Check Disputes; Reentry and Post-Incarceration Legal Support; Criminal Defense: Housing Impact Mitigation; Family Law: Domestic Violence and Barrier Impact; Employment Law: Fair Chance; Consumer Protection and Debt Defense; Veterans Legal Services and VASH-related support.
• C. Financial Node Financial Node partners are independent financial professionals, organizations, or service providers. They are not NSCN staff, employees, agents, representatives, contractors employed by NSCN, or legal extensions of NSCN. They subscribe for access to the NSCN network within their approved Financial Node category and state. Subscription grants access to the routing network only and does not make a Financial Node partner NSCN staff or a representative authorized to bind NSCN. NSCN does not provide financial advice, tax advice, credit advice, debt counseling, debt settlement, lending, or financial planning. Potential Financial Node categories may include: Personal Credit Rebuilding; Debt Settlement and Negotiation; Income Documentation and Verification; Post-Bankruptcy Financial Recovery; Medical Debt Negotiation and Resolution; Banking Access and Second Chance Accounts; Tax Lien Resolution and IRS Negotiation; Identity Theft and Fraud Recovery; Student Loan Rehabilitation and Defense; Benefits Navigation and Income Maximization; Unfiled Tax Returns and Income Transcript Support; Eviction Judgment and Collections Resolution.
• D. Business Node Business Node partners are independent business professionals, organizations, or service providers. They are not NSCN staff, employees, agents, representatives, contractors employed by NSCN, or legal extensions of NSCN. They subscribe for access to the NSCN network within their approved Business Node category and state. Subscription grants access to the routing network only and does not make a Business Node partner NSCN staff or a representative authorized to bind NSCN. NSCN does not provide business advice, tax strategy, legal formation advice, financial guidance, funding guarantees, or professional licensing advice. Potential Business Node categories may include: Small Business Recovery and Turnaround; Professional Licensing Reinstatement; Business Formation, LLC, and EIN Setup; Business Credit Building and Repair; Self-Employment Income Documentation; Small Business Funding and Capital Access; Commercial Lease Negotiation and Review; Business Tax Strategy and Filing; Bookkeeping and Financial Documentation; Gig-Worker and Independent Contractor Setup; Vendor Account and Trade Credit Establishment; Business Insurance and Surety Bonding.
• E. Homeowners Node Homeowners Node partners are independent professionals operating in mortgage, real estate, counseling, title, tax, foreclosure-prevention, or related fields. They are not NSCN staff, employees, agents, representatives, contractors employed by NSCN, or legal extensions of NSCN. They subscribe for access to the NSCN network within their approved Homeowners Node category and state. Subscription grants access to the routing network only and does not make a Homeowners Node partner NSCN staff or a representative authorized to bind NSCN. NSCN does not originate loans, manage applications, provide homeownership advice, guarantee approvals, or participate in mortgage, real estate, title, or foreclosure transactions. Potential Homeowners Node categories may include: HCV Homeownership Program Navigation; Second-Chance Mortgage Origination; Down Payment Assistance Matching; HUD-Approved Counseling and Pre-Purchase Support; Foreclosure Prevention and Loss Mitigation; Property Tax Delinquency and Exemption Support; Home Repair Financing and Grant Navigation; Title and Deed Issue Resolution; Short Sale and Deed-in-Lieu Navigation; Real Estate Investment and LLC Structures; Heir Property and Title Clearing; Rent-to-Own and Lease Option Navigation.

Community members are not charged by NSCN for general intake, routing, or access to node pathways. NSCN’s Housing Node locating services are always free to members. This is a non-negotiable network standard that every Housing Node locating partner agrees to before subscribing. NSCN is not responsible for fees charged by independent partners for their own professional services outside of the Housing Node locating-fee prohibition.

Legal services, financial services, business services, homeownership services, and other professional services may involve separate professional engagements between the member and the partner. Those fee arrangements are entirely between the member and the partner under the partner’s own agreements. NSCN does not control, set, approve, collect, split, guarantee, or receive any portion of partner pricing or professional-service fees. NSCN may publish Fair Market Analysis resources covering service pricing benchmarks across nodes and categories. These resources are informational only.

They are not price controls, fee schedules, legal advice, financial advice, rate caps, or enforceable pricing mandates. Partners are independent professionals and NSCN does not control their pricing. However, partners who are consistently reported for rates that substantially exceed published fair market benchmarks or appear to exploit member vulnerability may be subject to review and potential removal from the network as described in these Terms.

When a member submits an intake request, NSCN may route that request directly and exclusively to one subscribed NSCN Verified Partner or intake pathway in the applicable service category and service area. One submitted form creates one routing request and may result in one designated partner or intake pathway for that request. Routing is exclusive. The member’s request is not broadcast, auctioned, posted to a multi-buyer marketplace, placed into a bulk lead list, simultaneously delivered to multiple competing providers, or manually passed from partner to partner outside NSCN’s form-based routing process. Routing does not mean NSCN recommends, endorses, certifies, guarantees, or has evaluated the partner for the member’s specific situation.

Members remain responsible for evaluating any partner, professional, agreement, contract, fee, lease, retainer, payment plan, or service arrangement before proceeding. If a member wants a different partner, another routing option, or a new attempt after an assigned partner or locator cannot assist, the member must submit a new applicable form, Resolution Web request, or other NSCN-designated return pathway where available. NSCN does not individually reassign, transfer, circulate, or re-route the same intake form among multiple partners on request. Each additional routing option requires a new member-submitted request or an NSCN-designated return pathway. If the assigned partner determines they cannot assist the member, the partner is required to direct the member to the NSCN Resolution Web or other NSCN-designated pathway where available. Failure to direct the member back to the NSCN-designated pathway when assistance is not possible may violate NSCN partner standards.

The Resolution Web is NSCN’s structured escalation and navigation pathway. It is not a public marketplace, open referral board, lead marketplace, or auction system. The Resolution Web may be used when an initial routing has not produced a match, when a partner cannot assist, when a member needs another NSCN-designated pathway, or when NSCN determines that additional navigation may be appropriate. The Resolution Web does not guarantee placement, approval, partner availability, service access, housing success, voucher success, legal outcomes, financial outcomes, business outcomes, homeownership outcomes, or any specific result.

If an initially assigned partner cannot assist, the partner may direct the member to the Resolution Web or other NSCN-designated return pathway. If a Housing Node locator cannot assist a member, the member should use the Resolution Web, where available, and submit a new request for a second-chance locator or other applicable Housing Node routing option. NSCN does not individually pass a member from locator to locator, circulate the same form to multiple locators, or reassign the same intake outside the form-based routing process. A new routing option requires a new member-submitted form, Resolution Web request, or other NSCN-designated return pathway. No locator, partner, or professional is required to place, approve, accept, represent, finance, house, employ, insure, or serve any member. The obligation is to follow NSCN routing standards and, where assistance is not possible, return the member to the NSCN-designated pathway rather than diverting the member into outside lead systems or unauthorized referral pools.

NSCN Verified Partners subscribe to the network for routing access within a specific node, approved category, and state. The subscription model is access-based. Partners pay for the right to participate in NSCN’s routing network within approved categories and states. This is not a lead-purchase model. A partner subscription does not purchase ownership of member data, third-party transfer rights, bulk-use rights, independent marketing rights, third-party data-use rights, auction-routing rights, or permission to use member information outside the specific request routed to that partner.

NSCN does not accept referral fees, commission splits, percentage-of-transaction payments, kickbacks, or compensation tied to a transaction between a member and a partner. In any node. At any time. This is an absolute prohibition. This structure is intended to maintain separation between NSCN’s routing operations and any independent professional engagement, transaction, fee, or compensation arrangement between a member and an independent partner. Partner subscription options may be offered on a monthly, quarterly, or annual basis, with a one-time node activation fee or other access fee where applicable.

Current standard pricing tiers are subject to change unless locked by written agreement.

All partner subscription fees, activation fees, partner access fees, resource fees, access fees, digital product fees, and related payments made to NSCN are non-refundable unless a separate written agreement signed by NSCN expressly provides otherwise, or a refund is required by applicable law. A partner’s decision to cancel, stop using the network, change business direction, leave the industry, be dissatisfied with routing volume, fail to convert members, fail to respond to routed requests, fail to follow partner standards, or no longer want access does not create any refund obligation.

Suspension or termination for cause does not create a refund obligation.

Every NSCN Verified Partner, as a condition of admission to the network, agrees to the Second Chance Living Standard™ (“SCLS”). SCLS is NSCN’s network standard for protected intake handling, one-request and one-designated-partner routing, no bulk member-data transfer, no multi-buyer lead auctions, no mass solicitation use, privacy-conscious service coordination, partner accountability, and fair-chance housing access support. SCLS is a network standard and partner covenant.

It is not a guarantee of housing approval, legal outcomes, partner availability, voucher success, financial results, business outcomes, homeownership outcomes, or any specific result. Agreement to SCLS may be required as a condition precedent to partner subscription, partner verification, Partner Audit ID issuance, routing access, and continued network participation. SCLS does not replace applicable federal, state, or local law. Partners remain responsible for their own legal compliance, professional licensing, service practices, communications, privacy obligations, fees, contracts, and outcomes.

NSCN may publish Fair Market Analysis resources covering professional service pricing benchmarks across nodes and categories. The Fair Market Analysis is an informational resource. It is not a binding price schedule, regulatory rate cap, legal opinion, professional fee schedule, or enforceable pricing mandate. NSCN does not control partner pricing. Members who believe a partner has charged rates significantly exceeding published Fair Market Analysis benchmarks may submit a report through NSCN’s reporting pathway. Members should not abuse the reporting system.

Reporting a partner for rates that are within a published fair market range without a legitimate basis, or using reporting as retaliation, may violate these Terms. NSCN reviews reported partners and evaluates the pattern, nature, documentation, and seriousness of reports. A partner who is consistently reported for rates that substantially exceed fair market benchmarks, or whose pricing appears exploitative in relation to vulnerable member circumstances, may be reviewed and may be removed from the network.

NSCN Verified Partners are independent professionals, businesses, organizations, or service providers. They are not NSCN employees, staff, agents, representatives, or contractors in any employment law sense. NSCN does not direct, supervise, control, schedule, manage, or oversee how partners perform their professional services. NSCN does not withhold taxes, provide benefits, set partner hours, manage partner work methods, or control the means and methods by which partners serve their clients.

Any claim that a partner is an NSCN employee, that NSCN is vicariously liable for a partner’s professional conduct, or that a partner acted as NSCN’s agent in providing services to a member is expressly disclaimed to the fullest extent permitted by law. Partners are solely responsible for their own professional conduct, licensing, compliance, communications, privacy practices, fees, contracts, errors, omissions, and results. Partner subscription is limited to access within the partner’s approved node category and state. As of the Effective Date of these Terms, this network is owned and operated directly by NSCN’s founders. Founders operate the network infrastructure directly. Partners subscribe for access, not employment, agency authority, staff status, or authority to bind NSCN.

Members submit requests for routing. No employment relationship is created or implied by any of these interactions.

NSCN operates with awareness of applicable real estate law, including rules administered by state real estate regulators where applicable. State-specific partner requirements, licensing rules, disclosures, or service limitations may be addressed in separate partner agreements, state compliance addenda, onboarding materials, or written notices applicable to the partner’s service area. NSCN does not pay, receive, split, or facilitate referral fees in connection with any real estate transaction. NSCN does not act as a real estate broker in connection with member routing.

Housing Node partners who are licensed real estate agents, brokers, or locators operate under their own licensing, brokerage, sponsorship, supervision, and state-law obligations. NSCN is not that brokerage and does not act as the sponsoring broker for any locator unless a separate signed written agreement expressly states otherwise. Locator partners may receive compensation through their own brokerage structure consistent with applicable state law. NSCN is not a party to that compensation arrangement. NSCN does not give reviews, ratings, or performance evaluations of partner locating results to members.

Members should not submit reviews of NSCN based on partner service performance. If a partner mistreated or failed a member, that is a partner conduct report, not a reflection of NSCN’s routing service.

Members are responsible for: providing accurate, truthful intake information; updating contact information if it changes after submission; responding to partner communications when they wish to proceed; reading and understanding any service agreement, retainer, contract, lease, payment plan, or professional agreement before signing; verifying partner credentials and licenses where relevant; submitting documents to the appropriate partner directly when appropriate; making their own decisions; using the reporting system responsibly and in good faith.

Members must not: submit false information; impersonate another person; submit another person’s private information without authorization; harass, threaten, abuse, or defame partners or NSCN; misuse intake forms; abuse the reporting system; attempt to game the routing system; attempt to obtain unauthorized access to partner contact information, internal routing systems, protected materials, or NSCN operational infrastructure.

In addition to the Second Chance Living Standard™, all partners are prohibited from the following:

• A. Charging members any direct locating fee through the Housing Node, with zero exceptions.
• B. Transferring, sharing, auctioning, licensing, remarketing, or otherwise disclosing member data to any third party for purposes outside the member’s specific NSCN-routed request.
• C. Using member contact information for any purpose other than responding to the member’s specific NSCN-routed request.
• D. Uploading member data into marketing systems, mass-solicitation systems, data aggregation platforms, skip tracing systems, tenant screening systems, consumer reporting systems, or unrelated CRM systems used for unsolicited outreach.
• E. Misrepresenting NSCN’s role, affiliation, endorsement, certification, guarantee, or involvement in any transaction or professional service.
• F. Claiming NSCN guarantees any outcome.
• G. Using NSCN’s name, marks, materials, Partner Audit ID, SCLS language, or network identity without written authorization.
• H. Applying discriminatory screening criteria in violation of applicable fair housing, source-of-income, disability, civil rights, consumer protection, or anti-discrimination law.
• I. Retaliating against a member who submits a complaint or report.
• J. Failing to direct a member to the NSCN Resolution Web or other NSCN-designated pathway when the partner cannot assist, including when a Housing Node locator cannot assist and the member needs to submit a new request for another second-chance locator or routing option.
• K. Accepting or soliciting commission splits, referral fees, kickbacks, or transaction-based compensation from or through NSCN.
• L. Treating NSCN-routed members as a personal lead pool, referral pool, marketing list, data asset, outside-routing opportunity, or pathway to build outside business relationships unrelated to the member’s routed request.
• M. Diverting members to outside providers, directories, platforms, professional networks, or third-party services for the partner’s own benefit when the partner cannot assist, except where required by law, professional obligation, emergency safety concerns, or the member’s express informed request. When a partner cannot assist a member, the required network direction is the NSCN Resolution Web or other NSCN-designated pathway. Members routed through NSCN are not an opportunity to generate leads for unaffiliated professionals.

Members are encouraged to report: a locator who charged or attempted to charge a direct locating fee; a partner who transferred, shared, or misused member information; a partner who misrepresented NSCN’s role or guaranteed outcomes; a partner who applied discriminatory criteria; a partner who inflated service fees substantially beyond published Fair Market Analysis benchmarks; a partner who failed to direct the member to the Resolution Web or NSCN-designated pathway when the partner could not assist; a partner who used NSCN-routed member information for unrelated marketing, profiling, solicitation, or third-party data purposes; or any conduct that appears to exploit, extract from, or abuse a member’s vulnerable circumstances.

Members who abuse the reporting system by submitting false reports, reporting partners for rates that are within the fair market range without legitimate basis, or using the system as retaliation are in violation of these Terms. NSCN reviews reports and determines what action, if any, to take. NSCN is not a court, arbitrator, licensing board, regulator, law enforcement agency, or legal representative. Its review of partner conduct is an internal network governance function.

NSCN may issue a Partner Audit ID to verified subscribers as an internal accountability and identity tool. A Partner Audit ID confirms that a professional has subscribed to the network and agreed to NSCN’s Terms, Privacy Policy, partner standards, and Second Chance Living Standard™. A Partner Audit ID does not certify professional competence, guarantee placement, guarantee approval, guarantee availability, or warrant any service outcome. A Partner Audit ID can be revoked at any time if a partner is suspended, terminated, removed, becomes inactive, fails to comply with NSCN standards, or otherwise loses network eligibility.

NSCN routes requests. NSCN does not produce outcomes.

NSCN makes no guarantee, warranty, representation, or promise regarding: housing approval, lease execution, landlord acceptance, or placement of any kind; voucher lease-up, voucher extension, portability, inspection, rent reasonableness, payment standard, or housing authority action; legal outcome, court result, expungement success, attorney-client engagement, or legal representation; financial recovery, credit improvement, debt resolution, tax outcome, or income-documentation outcome; business formation success, funding approval, licensing reinstatement, or business recovery; homeownership approval, mortgage origination, foreclosure prevention, title resolution, or property outcome; partner response time, availability, willingness to accept a member, service quality, professional competence, or service performance; availability of any node category, partner, or service pathway at any given time; results from the Resolution Web or any escalation pathway; or partner revenue, routing volume, conversion rate, business results, or subscription outcomes for subscribing partners.

All NSCN content, architecture, page structure, written materials, names, service marks, node names, category names, pathway names, database frameworks, intake forms, state hub architecture, voucher intelligence structures, Fair Market Analysis publications, Second Chance Living Standard™ materials, NSCN Intelligence Atlas materials, Living Archive materials, reports, graphics, frameworks, operational systems, and related intellectual property are owned by NSCN or its founders unless otherwise stated.

Unauthorized reproduction, copying, scraping, repackaging, redistribution, commercial use, derivative use, or training of AI systems on NSCN materials without written permission is prohibited to the fullest extent permitted by law. Nothing in these Terms grants any user, member, partner, subscriber, visitor, or third party ownership rights in NSCN materials, data structures, marks, methods, systems, designs, language, or intellectual property.

Use of NSCN is also governed by the NSCN Privacy Policy, which is incorporated into these Terms by reference. In the event of a conflict between these Terms and the Privacy Policy on a privacy-specific matter, the Privacy Policy controls. Partners must comply with the NSCN Privacy Policy, partner data restrictions, SCLS requirements, and any applicable written partner agreement or data-handling obligation.

NSCN is not an emergency service. Members facing immediate danger, emergency homelessness, domestic violence, illegal lockout, medical emergency, child safety emergency, mental health emergency, trafficking concern, or any situation requiring immediate intervention must contact local emergency services, law enforcement, a crisis hotline, a shelter, a local emergency housing resource, or another appropriate emergency resource. NSCN does not guarantee same-day response, emergency placement, emergency legal intervention, emergency shelter, crisis intervention, or immediate partner availability.

NSCN does not instruct, encourage, authorize, or tolerate discriminatory partner conduct based on any characteristic protected under federal, state, or local fair housing law, civil rights law, source-of-income protection law, disability law, consumer protection law, or anti-discrimination law. Partners are independently responsible for complying with all applicable fair housing, civil rights, disability accommodation, source-of-income, consumer protection, licensing, and professional obligations.

NSCN may remove, suspend, or review a partner who is reported for discriminatory conduct, abusive conduct, retaliatory conduct, or conduct inconsistent with SCLS.

NSCN publishes state hub content, voucher intelligence resources, barrier category explanations, public articles, archive materials, Fair Market Analysis resources, node descriptions, pathway explanations, and other educational materials. This content is for informational and educational purposes only. It does not constitute legal advice, financial advice, tax advice, credit advice, housing counseling, professional advice, or individualized guidance of any kind.

Users should not rely on NSCN public content as a substitute for advice from a qualified attorney, financial professional, housing counselor, tax professional, licensed real estate professional, government agency, or other appropriate professional.

NSCN may offer digital products, downloadable resources, reports, templates, worksheets, guides, checklists, educational tools, or subscription resources. Unless otherwise stated in a separate written agreement, digital product purchases, subscription access, resource access, and downloadable materials are provided for informational and educational purposes only. No digital product, template, worksheet, report, or resource guarantees housing approval, voucher success, partner acceptance, financial recovery, legal outcome, business success, employment result, homeownership result, or any specific result.

All digital product fees and resource fees are non-refundable unless a separate written agreement signed by NSCN expressly provides otherwise, or a refund is required by applicable law.

NSCN provides the website, forms, content, digital resources, partner access, routing infrastructure, state hub pages, intelligence resources, reports, educational materials, and all related services on an “as is” and “as available” basis. To the fullest extent permitted by applicable law, NSCN disclaims all warranties, express or implied, including warranties of merchantability, fitness for a particular purpose, title, non-infringement, accuracy, completeness, reliability, availability, uninterrupted operation, error-free operation, and suitability for any particular outcome.

NSCN does not warrant that the platform will be uninterrupted, secure, error-free, free from technical issues, free from third-party interference, or available at all times.

To the fullest extent permitted by applicable law, NSCN and its founders, owners, officers, directors, managers, affiliates, successors, and assigns will not be liable for any indirect, incidental, special, consequential, exemplary, punitive, or similar damages arising from or related to use of the network, reliance on public content, partner conduct, routing outcomes, member decisions, third-party actions, technical failures, access interruptions, or any other matter connected to NSCN’s platform, resources, routing, or services.

To the fullest extent permitted by law, NSCN’s total aggregate liability to any claimant will not exceed the total amount that claimant paid directly to NSCN for the specific product, subscription, or service giving rise to the claim during the three months preceding the claim. For members who paid nothing to NSCN for general intake or routing, NSCN’s liability is limited to the maximum extent permitted by law. Nothing in these Terms limits liability where such limitation is prohibited by applicable law.

Members, partners, subscribers, and users agree to defend, indemnify, and hold harmless NSCN and its founders, owners, officers, directors, managers, affiliates, successors, and assigns from any claims, damages, losses, liabilities, costs, and expenses, including reasonable attorney fees, arising out of or related to: violation of these Terms; misuse of the platform; false or inaccurate submissions; unauthorized submission of another person’s information; misuse of member data; unauthorized use of NSCN intellectual property; violation of applicable law; partner professional errors or omissions; discrimination claims resulting from partner conduct; privacy violations caused by partner conduct; payment disputes; chargebacks; or any other act or omission of the member, partner, subscriber, or user in connection with the network.

Partners, subscribers, and paid-access users agree to contact NSCN first to resolve any billing concern before initiating a chargeback or payment dispute. If a chargeback is initiated for a valid charge, NSCN may suspend or terminate access, assess chargeback-related fees where permitted by law, recover collection costs, decline future participation, and submit transaction records to the payment processor to contest the dispute.

NSCN may suspend, limit, block, or terminate access to the platform, forms, subscriptions, digital resources, routing, partner identifiers, Partner Audit IDs, or any network function at any time where NSCN determines that a user, member, partner, or subscriber has violated these Terms, the Privacy Policy, the Second Chance Living Standard™, applicable law, or the integrity of the network. Termination does not create a refund right unless a separate written agreement signed by NSCN expressly provides otherwise, or a refund is required by applicable law.

These Terms are governed by the laws of the State of Texas, without regard to conflict-of-law principles. Venue for any dispute will be in the state or federal courts located in Harris County, Texas, unless another venue is required by applicable law or a separate written agreement signed by NSCN. Before filing any legal claim, the parties agree to attempt in good faith to resolve the matter by written notice to NSCN at the contact email listed in these Terms.

NSCN may update, revise, or modify these Terms from time to time as the network evolves, as applicable law changes, or as operational practices are refined. Updated Terms will be posted on FindSecondChance.com with a new effective date or updated date. Continued use of NSCN after updated Terms are posted constitutes acknowledgment of the updated Terms. If you do not agree to the updated Terms, you should discontinue use of the platform and avoid submitting additional information.

If any provision of these Terms is found invalid, unlawful, or unenforceable, the remaining provisions remain in full force and effect. These Terms, together with the NSCN Privacy Policy, any applicable written partner agreement, any invoice or order form, any subscription terms, and any product-specific terms, constitute the complete agreement between the user and NSCN for the applicable use or transaction. No oral statement, informal communication, website summary, marketing phrase, public post, AI-generated summary, or unsigned communication modifies these Terms unless confirmed in a signed written agreement by NSCN.

General Contact: nscn@findsecondchance.com Privacy Contact: nscn@findsecondchance.com Partner Contact: nscn.partnerships@findsecondchance.com Report a Partner: FindSecondChance.com/resolution-web Website: FindSecondChance.com