Terms of Use

Revised as of March 2024

These Terms of Use (the "Terms") apply to all Massachusetts Housing Finance Agency ("MassHousing") websites, including but not limited to www.masshousing.com, www.emasshousing.com, www.masshousingrental.com and www.massclimatebank.com (collectively, the "Websites").

The Websites are provided by Massachusetts Housing Finance Agency ("MassHousing") for use by the public. Please read these Terms carefully. BY USING THIS WEBSITE YOU AGREE TO BE BOUND BY THESE TERMS OF USE. If you do not accept these Terms, do not use this Website. MassHousing may revise these Terms at any time by updating this posting. You should visit this page periodically to review these Terms, because they are binding on you.

Use of Materials

MassHousing authorizes you to view, copy, and reproduce for your own internal use any of the Materials on the Websites provided that you agree to and abide by these Terms.

The contents of the Websites, such as text, graphics, images, trademarks, and other content ("Materials") are protected by United States and foreign copyright, trademark, and other laws.

Unauthorized use of the Materials may violate applicable laws. You must retain all copyright and other proprietary notices contained in the original Materials on any copy you make of the Materials. You may not sell or modify the Materials or reproduce, display, publicly perform, externally distribute, or otherwise use the Materials in any way for any purpose other than as expressly provided for. The unauthorized use of the Materials on any other website or in a networked computer environment for any purpose is prohibited. Except as specifically stated here, nothing on the Websites shall be construed as granting any license under any of MassHousing's intellectual property rights, whether by estoppel, implication, or otherwise. MassHousing prohibits the use of any MassHousing trademark, or any related graphic, as a link to any website, including the Websites, unless approved by MassHousing. All rights not specifically granted herein are hereby reserved by MassHousing.

The following is a partial list of trademarks owned by or under the control of MassHousing or its affiliates. All other products and services mentioned on the Websites are identified by the trademarks or service marks of their respective companies or organizations. Additional marks may be added to this list from time to time at MassHousing's discretion: MassHousing™, the MassHousing Logo™, MI Plus™, CommonWealth Builder™, MassDREAMS™, Massachusetts Community Climate Bank (MCCB)™ and Where Opportunities Reside™ are trademarks of MassHousing.

MassHousing Liability and Disclaimer; Indemnification

The Websites and the Materials may occasionally contain inaccuracies or typographical errors. MassHousing makes no representations about the accuracy, reliability, completeness, or timeliness of the content of the Websites or the Materials or about the results to be obtained from using the Websites or the Materials. Changes are periodically made to the Websites and the Materials and may be made at any time.

The Websites and the Materials are provided on an "as is" and "as available" basis without any warranties of any kind. MassHousing and its suppliers, to the fullest extent permitted by law, disclaim all warranties, including the warranties of merchantability, non-infringement of third parties' rights, and the warranty of fitness for a particular purpose. You acknowledge by your use of the Websites or the Materials that your use of the Websites and the Materials is at your own risk, that you assume full responsibility for all costs associated with your use or inability to use the Websites or the Materials, and that MassHousing is not responsible for any damages of any kind (including, without limitation, incidental and consequential damages, lost profits, or damages resulting from lost data or business) related to your use of, or the inability to use, the Websites or the Materials. MassHousing and its suppliers make no warranties about the accuracy, reliability, completeness, or timeliness of the Materials, services, graphics, and links.

You agree to defend, indemnify, and hold harmless MassHousing, its officers, directors, employees and agents, and suppliers from and against any claims, actions or demands, including without limitation reasonable attorneys' fees, resulting from your use of, or inability to use, the Websites or the Materials or your breach of these Terms.

Notwithstanding anything contained herein to the contrary, the total maximum liability of MassHousing is limited, in MassHousing's sole discretion, to correction of any inaccuracies in the Websites or the Materials, or part thereof.

Links to Other Sites; Third Party Content, Products, and Services

The Websites may contain links to third-party websites or information about the products or services of a third party. These links and information are provided solely as a convenience to you and not as an endorsement or sponsorship by MassHousing of the contents of such third-party websites or the products or services of such third parties. MassHousing is not responsible for the content of linked third-party websites or the products or services of such third party and does not make any representations regarding the content or accuracy of materials on such third-party websites or the products or services of such third party. If you decide to access linked third-party websites or use products or services of any third party, you do so at your own risk. Some links may expire or move over time, and access to the sources of some links may require registration and/or fee-based subscriptions.

User Information

MassHousing may use the information it obtains relating to you, including your IP address, name, mailing address, email address, and use of the Websites, for its internal business and marketing purposes, subject to the terms and conditions of its Website Privacy Policy.


These Terms are governed by the laws of the Commonwealth of Massachusetts, without respect to conflict of laws principles. Any action related to these Terms shall be brought only in the state and federal courts of the Commonwealth of Massachusetts, and both parties waive any objection to the personal jurisdiction of and venue in such courts. If any provision of these Terms is found to be invalid by any court having competent jurisdiction, the invalidity of such provision shall not affect the validity of the remaining provisions of these Terms, which shall remain in full force and effect. No waiver of any term of these Terms shall be deemed a further or continuing waiver of such term or any other term.