NearFaith Care — Program Terms of Use

NearFaith Care is a private, religious benevolence program of the Christian community: it connects Christians facing small, practical financial needs with verification through their local church and, where funds are available, assistance administered by a participating church or qualified charitable partner. Eligibility is limited to Christians with a genuine, church-verified connection to a local Christian church, as set out in the Eligibility & Award Policy. Requests are capped at $500, assistance is by application only, and every decision is made by the appointed NearFaith Care Review Board.

NearFaith Care is not a loan program (assistance is never repaid and carries no interest), not crowdfunding (individual requests are never published for public funding), not a charity operated by NearFaith itself, and nota source of financial, legal, tax, or credit-counseling advice. Golden Consulting Partners is a for-profit company; see the Contributor Terms & Tax Treatment document for how funds are administered by third parties.

A Care account is separate from general NearFaith use, which requires no sign-up. To create one you must verify control of an email address using a one-time code. Before a request can be reviewed you must also provide your legal first and last name (as your church knows you), a phone number at which we may reach you, and your city and state.

We collect the minimum identity information needed to prevent duplicate accounts and to confirm a genuine connection to a church — this is not a general identity-verification product. One Care account per person; creating multiple accounts to circumvent request limits is grounds for suspension under Section 7.

You may request deletion of your account at any time. Open requests, and requests closed within the past twelve months, may be retained until that period ends before deletion completes, as described in the Care Privacy & Data Retention Notice.

A Care application asks for: a need category, a requested amount (never more than $500), a private written explanation, the church you attend or are connected to, and — where applicable — the vendor to whom payment would be made (for example a utility company, mechanic, school, or store) and a due date.

We may ask follow-up questions, and may request a supporting document such as an invoice, quote, or bill where genuinely needed to verify a specific need. We will never ask for full financial statements, tax returns, bank account credentials, or Social Security numbers through this program.

You may have one active request at a time, and may withdraw a pending application at any time before a decision by contacting us (reply to any Care email). Everything you submit must be truthful and complete.

Every request is verified before any assistance decision. Verification includes your email (the one-time code), may include a phone call to you, and includes contacting the church you named so a representative can confirm they know you and that the stated need appears legitimate on its face. Your Applicant Consent & Verification Authorization covers exactly what you authorize.

A church’s confirmation is a limited, good-faith statement — it is not a guarantee of assistance, a co-signature, or an assumption of any obligation by the church. A church’s decision to decline, flag, or abstain from verifying carries no penalty for you or the church and is never made public.

Every verified application is manually reviewed and decided by the NearFaith Care Review Board, an appointed board of Christians governed by the Review Board Charter. No application is approved automatically, by software, or without Board review. Payment of an approved award is then carried out by the designated administrator for that request (a participating church or qualified charitable partner).

Submitting an application — even one that meets every published criterion and is fully verified by your church — does not guarantee assistance, in whole or in part, and creates no entitlement, expectation, promise, or contractual right to it. The Board retains sole and absolute discretion over whether to award assistance, in what amount, and by what method, and may decline any application for any lawful reason.

Decisions may account for fund availability, request volume, prior awards to you, and the criteria in the Eligibility & Award Policy in effect at the time of the decision. Where practical, assistance is paid directly to the vendor rather than to the applicant. A declined applicant receives a general reason category; we do not disclose the details of the review process.

If your request is declined, you may ask once for reconsideration within 14 days of the decision, by replying to the decision email. Where feasible, reconsideration is reviewed by a Review Board member who was not involved in the original decision. Reconsideration decisions are final and remain entirely discretionary — reconsideration is a second look, not a right to a different answer.

We use automated and manual checks — duplicate-account detection, request-frequency limits, verification records, and church flags — to identify potentially fraudulent applications. Submitting false information, impersonating a church representative, or attempting to circumvent request limits may result in account suspension, forfeiture of a pending or approved award, and referral to law enforcement where warranted.

Confirmed fraud is recorded in an internal, append-only audit record and may be shared with the administering entity and, where legally required, with payment processors or authorities.

The Care program is provided “as is.” To the fullest extent permitted by law, Golden Consulting Partners, its owners, officers, employees, contractors, and Review Board members are not liable for any indirect, incidental, or consequential damages arising from the program, and their total aggregate liability for any claim relating to the program is limited to $500(the program’s maximum award). Nothing in these terms limits liability that cannot be limited by law.

Participating churches and charitable partners are independent of NearFaith; NearFaith is not responsible for their acts or omissions, and they are not responsible for NearFaith’s.

We may update these terms; the version in effect when you submit an application governs that application. Material changes will be posted with a revised version line. These terms are governed by the laws of the State of Arizona, United States, without regard to its conflict-of-law rules, and any dispute is subject to the exclusive jurisdiction of the state and federal courts located in Arizona.

Questions about these terms: reply to any NearFaith Care email or use the contact page at nearfaith.com/contact.