Terms of Service

These Terms of Service govern your use of the I CARE AMERICA INC DBA askhelpinghand.com website and information / referral service. By using our site or requesting a callback, you agree to these terms.

1. Eligibility

You must be a U.S. resident, 18 years of age or older, to use our services.

2. Description of Service

Ask Helping Hand provides a free information and referral service. A team member listens to your situation and identifies federal programs (SNAP, LIHEAP, Section 8, ACA, Medicaid, etc.), local food banks, and verified hotlines that match your needs. We then send you the relevant phone numbers and guidance on what to ask when you call those programs yourself.

3. What We Do Not Do

We want this to be unambiguous. Ask Helping Hand does not:

• Pay rent, utility bills, insurance premiums, medical bills, or any other expenses on your behalf
• Issue checks, gift cards, loans, or financial aid of any kind
• Submit applications, forms, or documents to government agencies on your behalf
• Represent or speak for any government, state, or 501(c)(3) agency we refer to
• Charge fees to the customers we serve

All communication with any government, state, or private agency must be done directly by you, and all documentation must be submitted directly by you to that agency.

4. Callback Submissions

By submitting a callback request, you certify that the information you provide is true and accurate to the best of your knowledge. Inaccurate information may result in less useful referrals; it does not affect approval to any third-party program (we do not approve anyone for anything).

5. Not a Government Service

I CARE AMERICA INC DBA askhelpinghand.com is a privately held company, funded by its members. We are not a 501(c)(3) nonprofit and not affiliated with any government agency including HUD, USDA, HHS, the Department of Education, Medicare/Medicaid services, or any state social services department. Most programs we discuss are available to apply for free directly through state or federal portals.

6. Use of the Website

You agree not to:

• Use our site for any unlawful purpose
• Submit fraudulent or repeated frivolous callback requests
• Attempt to access any restricted areas of the site
• Interfere with the operation of the site
• Scrape, copy, or republish our content without permission

7. Intellectual Property

All content on this site (text, images, logos, design) is the property of I CARE AMERICA INC DBA askhelpinghand.com or its licensors and is protected by copyright and other intellectual property laws. Federal program information is summarized from public government sources.

8. Disclaimers

Our service is provided “as is” without warranties of any kind. We do not warrant that the information we share will be accurate at the time you call a referenced agency (program rules, income limits, and contact information change). We do not warrant that any program we refer you to will accept your application. We are not liable for any decisions you make based on the information we provide.

9. Limitation of Liability

To the maximum extent permitted by law, I CARE AMERICA INC DBA askhelpinghand.com shall not be liable for any indirect, incidental, consequential, or special damages arising out of your use of our service.

10. Governing Law

These terms are governed by the laws of the State of Illinois. Any disputes shall be resolved in the courts of Kane County, Illinois.

11. Changes to These Terms

We may update these terms from time to time. Continued use of our service after changes constitutes acceptance of the updated terms.