Terms and Conditions

1. Services We Provide

PACO administers federal, state, and local benefit programs including LIHEAP, Weatherization Assistance, Universal Service Fund (USF), Community Services Block Grant (CSBG), senior services, affordable housing, and community engagement initiatives. Services are provided free of charge to eligible individuals and households.

2. Eligibility

Program eligibility is determined by each funding source’s rules. Submission of an application does not guarantee approval. All eligibility determinations are made according to the applicable state, federal, or funder guidelines.

3. SMS / Text Message Notification Terms

• Consent: By providing your mobile phone number and checking the SMS consent box on the PACO intake form, you agree to receive transactional text messages from PACO about your application.
• Types of messages: Application received confirmations, requests for missing documents, appointment reminders, and application status updates (approved, denied, or pending).
• Frequency: Varies based on your application activity. Typically 1–6 messages per application cycle.
• Opt-out: You may opt out at any time by replying STOP to any message. You will receive a final confirmation and no further messages will be sent.
• Help: Reply HELP to any message or call (201) 963-8282 for assistance.
• Cost: Message and data rates may apply based on your wireless plan. PACO does not charge for SMS messages, but your mobile carrier may.
• Carriers: The service is available on all major U.S. wireless carriers. PACO is not responsible for delayed or undelivered messages caused by carrier issues, device issues, or network outages.
• No condition of service: Your consent to receive SMS is not a condition of receiving PACO’s services. You may apply for and receive any PACO benefit without agreeing to SMS.
• No sharing for marketing: Your phone number and SMS opt-in information are not sold, rented, or shared with any third party for marketing purposes.

4. Your Responsibilities

When using PACO services, you agree to:

• Provide true, complete, and accurate information on all applications and forms
• Notify PACO promptly of any changes to your contact information, income, or household composition that may affect eligibility
• Use PACO services only for lawful purposes

5. Privacy

Personal information submitted to PACO is handled as described in our Privacy Policy. Please review the Privacy Policy for details on how we collect, use, and protect your information.

6. Disclaimer

PACO services are provided “as is” without warranties of any kind, except as required by law. Submission of documents or applications does not guarantee program approval. All final eligibility determinations are made by the applicable program authority.

7. Limitation of Liability

To the fullest extent permitted by law, PACO Agency shall not be liable for any indirect, incidental, or consequential damages arising from the use of our services, including but not limited to undelivered or delayed SMS messages. SMS notifications are provided as a courtesy and do not replace official program communications, which may be mailed or delivered by other means.

8. Changes to These Terms

PACO may modify these Terms from time to time. Updated Terms will be posted at this URL and the “Last updated” date will be revised. Continued use of PACO services after the posting of updated Terms constitutes acceptance.

9. Governing Law

These Terms are governed by the laws of the State of New Jersey, without regard to its conflict-of-laws principles. Any dispute shall be resolved in a court of competent jurisdiction in Hudson County, New Jersey.

Contact Us

PACO Agency (Puertorriqueños Asociados for Community Organization, Inc.)

390 Manila Avenue, Jersey City, NJ 07302

Phone: (201) 963-8282

Email: [email protected]

Web: pacoagency.org