Terms of Service

The NHT has implemented NHT Online.  Customers will now be able to access this website and use their Credit Cards to make payments online.  The following Terms and Conditions govern your access to and use of the NHT’s website and you must indicate your agreements herewith prior to accessing this website. Your access to, and use of, NHT Online is subject exclusively to these Terms and Conditions.  By using  the  Website  you  are  fully  accepting  the  terms,  conditions  and disclaimers contained in this notice. If you do not accept these Terms and Conditions you must immediately stop using the Website.

From time to time the NHT may change these Terms and Conditions without notice, your continued use of the Website following any change shall be deemed to be your acceptance of such change.


You agree not to use the Website (www.nht.gov.jm) for any illegal purposes whatsoever including but  not limited to identity theft, fraudulent conversion, invasion of another’s privacy or for the transmission of material that is or may be unlawful, harassing, libellous, abusive, threatening, obscene or that infringes the rights of others.


The NHT intends to maintain current and accurate information on its website.  There may be occasions however, where information becomes temporarily outdated pending the receipt and posting of relevant updates.  Consequently, the NHT cannot expressly warrant the accuracy of its website content on a daily basis.

The NHT reserves the right to change or remove the information contained on the Website or the products mentioned without notice to you and confirm that NHT shall not be liable to you for any such change or removal.

The information on the NHT’s website may contain typographical errors or inaccuracies or omissions and may not be complete or current.  We therefore reserve the right to correct any errors, inaccuracies or omissions and to change or update the information at any time without prior notice.  Please note that such errors, inaccuracies or omissions do not constitute binding statements on the NHT

NHT Online

A user of NHT Online will be asked to create a password when registering to use the system to make loan and voluntary contribution payments.  This user is responsible for maintaining the confidentiality of his/her password or account number.  The NHT will not be liable for any damage or loss that may be incurred as a result of the use of passwords or account numbers either with or without the user’s knowledge. The user agrees to immediately notify the NHT of any unauthorized use of the password or account number or any breach of security. The NHT will not be liable for any loss or damage arising from the user’s failure to comply with this section.

It is recommended that you do not use software that records your password so that you do not enter them the next time you access a website from the same computer.

Credit Card Fraud

NHT will use the standard measures within the financial industry to protect its contributors against credit card fraud.  However the account holder agrees to accept all responsibility for the security of his/her credit card information.  The NHT will not be liable for any damage or loss that may be incurred from the use of the account holder’s credit card by another party, either with or without the holder’s knowledge, to carry out mortgage or contribution payments.

Live Chat

At any time and in connection with any product or service that NHT selects at its sole discretion, NHT may make interactive online chat (“Chat”) service available to you.  NHT makes no warranty that the Chat service will be available at any particular time or be free of fault or error.  The Chat Service is provided as a convenience to facilitate your understanding of NHT’s products, services and online applications related to those products or services.

Our Chat Service agents will try to provide you with accurate and current information based on your question or need.  Nothing we communicate in the Chat Service will be considered a legal agreement, representation or warranty as to our products, services, processes, decisions or response times.  Providing or participating in the Chat Service does not constitute consent by you or us to use electronic records and signatures as a substitute written documents.

You will not use the Chat Service to send any abusive, defamatory, dishonest or obscene messages and doing so may result in termination of the Chat Service session

Links to Third Party Websites

NHT’s Website may include links to third party websites that are controlled and maintained by others. Any link to other websites is not an endorsement of such websites and you acknowledge and agree that NHT will not be responsible for the content or availability of any such sites or any losses suffered in visiting those sites.  Access to any such third party website is entirely at your own risk.


NHT understands the need to safeguard your information and records from unauthorised use and disclosure.  Please see our Privacy Policy for further information.


All  copyright,  trademarks  and  all  other  intellectual  property  rights  in  the Website and its content (including without limitation the Website design, text, graphics and all software and source codes connected with the Website) are owned by or   licensed to NHT or otherwise used by NHT  as permitted by law.

 In accessing the Website you agree that you will access the content solely for your personal, non-commercial use. None of the content may be downloaded, copied, reproduced, republished, transmitted, stored, sold or distributed without the prior written consent of the copyright holder. This excludes the downloading, copying and/or printing of pages of the Website for personal, non-commercial use only.

Disclaimers and Limitation of Liability

The Website is provided on an AS IS and AS AVAILABLE basis without any representation or endorsement made and without warranty of any kind whether express or implied, including but not limited to the implied warranties of satisfactory quality, fitness for a particular purpose, non-infringement, compatibility, security and accuracy.

 To the extent permitted by law, NHT Online ( www.nht.gov.jm) will not be liable for any direct, indirect or consequential loss or damage whatever (including without limitation loss of business, opportunity, data, profits) arising out of or in connection with the use of the Website.

 NHT makes no warranty that the functionality of the Website will be uninterrupted or error free, that defects will be corrected or that the Website or the server that makes it available are free of viruses or anything else which may be harmful or destructive.


You agree to indemnify and hold NHT and its employees and agents harmless from and against all liabilities, legal fees, damages, losses, costs and other expenses in relation to any claims or actions brought against NHT arising out of any breach by you of these Terms and Conditions or other liabilities arising out of your use of this Website.


If any of these Terms and Conditions should be determined to be invalid, illegal or unenforceable for any reason by any court of competent jurisdiction then such Term or Condition shall be severed and the remaining Terms and Conditions shall survive and remain in full force and effect and continue to be binding and enforceable.

Governing Law

These Terms and Conditions shall be governed by and construed in accordance with the law of JAMAICA and you hereby submit to the exclusive jurisdiction of the JAMAICAN courts.

Dispute Resolution

The Parties (NHT and user) shall use their best efforts to settle amicably all disputes arising out of or in connection with the use of NHT’s online service.  Any disputes which are not settled amicably shall be referred to the Disputes Resolution Foundation for resolution through mediation.