These Terms of Service ("Terms") govern access to and use of HOA/COA Management (the "Service"), operated by [YOUR LEGAL ENTITY NAME] ("Company," "we," "us," or "our"). By creating an account or using the Service, you agree to these Terms. If you are using the Service on behalf of a homeowners association, board, or management company, you represent that you have authority to bind that organization to these Terms.
If you do not agree to these Terms, do not use the Service.
The Service is a software platform that helps homeowners associations ("HOAs") and their members manage association operations, including financial recordkeeping (e.g., balance sheets, income statements, budgets), homeowner/unit records, dues and assessments, payment processing, and related administrative tools.
The Service is a tool to help organize and record information provided by users. We do not provide accounting, legal, tax, or financial advice, and we do not independently verify the accuracy of data entered by users or HOA administrators.
You must be at least 18 years old to create an account. You are responsible for maintaining the confidentiality of your login credentials and for all activity that occurs under your account.
You agree to provide accurate, current, and complete information and to keep it up to date. Different users may have different roles and permissions (e.g., board member/administrator vs. homeowner) — you are responsible for ensuring that access granted within your organization is appropriate for a user’s role.
Certain features (e.g., dues collection, ACH transfers, card payments) involve processing of payments through third-party payment processors (such as Stripe). Use of those features is also subject to the applicable processor’s terms.
We are not a bank and do not hold or guarantee funds. Payment processing, settlement times, and disputes are subject to the payment processor’s and the applicable banking network’s rules. You are responsible for any fees, chargebacks, or returned/failed payments (e.g., ACH returns for insufficient funds) associated with your account.
Subscription fees, if applicable, are described on our /pricing page or at signup and billed on the terms disclosed there. Fees are non-refundable except as required by law or as we otherwise state in writing.
You agree not to use the Service for any unlawful purpose; upload false, misleading, or fraudulent financial or homeowner data; access another user’s account or organization’s data without authorization; interfere with the Service’s operation; or attempt to reverse engineer the Service except where applicable law permits.
You are solely responsible for the accuracy of financial data, assessments, budgets, and other records entered into the Service, and for reviewing outputs (e.g., balance sheets, income statements) before relying on them for decision-making.
Our collection and use of personal information is described in our Privacy Policy. By using the Service, you consent to that collection and use. Financial and homeowner data entered into the Service belongs to the HOA/organization that entered it; we act as a processor/host of that data on your organization’s behalf.
The Service, including its software, design, and content (excluding data you submit), is owned by the Company or its licensors and protected by intellectual property laws. We grant you a limited, non-exclusive, non-transferable, revocable license to use the Service for its intended purpose, subject to these Terms.
THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT. WE DO NOT WARRANT THE ACCURACY, COMPLETENESS, OR RELIABILITY OF ANY FINANCIAL CALCULATIONS, REPORTS, OR DATA GENERATED THROUGH THE SERVICE.
TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE COMPANY SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, REVENUE, DATA, OR GOODWILL, ARISING FROM YOUR USE OF THE SERVICE.
OUR TOTAL LIABILITY FOR ANY CLAIM ARISING OUT OF THESE TERMS OR THE SERVICE SHALL NOT EXCEED THE AMOUNT YOU (OR YOUR ORGANIZATION) PAID US IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM, OR $100 IF YOU HAVE NOT PAID US ANYTHING.
You agree to indemnify and hold harmless the Company from any claims, damages, losses, or expenses (including reasonable attorneys’ fees) arising from your use of the Service, your violation of these Terms, or data you submit through the Service.
We may suspend or terminate your access to the Service at any time, with or without notice, for conduct that we believe violates these Terms or is harmful to other users, us, or third parties. You may stop using the Service and request account closure at any time by contacting us at [CONTACT EMAIL].
We may modify these Terms from time to time. We will provide notice of material changes (e.g., via email or in-app notice). Continued use of the Service after changes take effect constitutes acceptance of the revised Terms.
These Terms are governed by the laws of the State of [YOUR STATE], without regard to conflict-of-laws principles. Any disputes arising under these Terms shall be resolved in the state or federal courts located in [YOUR COUNTY/STATE], and you consent to personal jurisdiction there.
Questions about these Terms can be sent to: [CONTACT EMAIL]
This is a starting template, not legal advice. Bracketed placeholders should be filled in and this page reviewed by a licensed attorney before relying on it, especially the liability and indemnification sections.