Terms of service

Please read these terms of service ("terms") carefully. They are a binding agreement between you and Understand My Policy, Inc., doing business as HOACompliant ("we," "us," or "our"), governing your access to and use of hoacompliant.com and any related services, tools, and features (together, the "service").

By creating an account, running the free assessment, purchasing a plan, or otherwise using the service, you agree to these terms. If you do not agree, do not use the service.

1. What HOACompliant is, and what it is not

HOACompliant is a record-keeping software tool for condo, homeowners association (HOA), and co-op boards. Based on the factual details you enter about your association, it produces a dated list of the association’s statutory obligations, cites each one to the governing statute with the date we last verified it, tells you what proof to keep for each, and lets your board keep that record and hand it to the next board.

The service is not advice. This is the most important thing in these terms, so we state it plainly:

• HOACompliant does not provide legal advice, is not a law firm, and is not a substitute for a licensed attorney. For advice about your association’s specific obligations, disputes, or liabilities, consult association counsel.
• HOACompliant is not property management, accounting, or a reserve study or structural reserve calculator. It does not handle dues, assessments, violations, resident portals, or payments.
• We never file. We do not submit forms, reports, or filings to any agency, court, or the state on your behalf, and we do not act as a mediator between your board and any owner, manager, or agency.
• The record statuses the service uses ("on file," "no record," and "unknown") are your board’s own record-keeping notes. They are not a determination that your association is or is not in compliance, and they are not a legal opinion. What your association must do is set by law, and whether it has complied is determined by the relevant authorities, not by us.

What the service does: it organizes what the law requires of your association into a dated, cited checklist and keeps your proof in one place. Any decision your board makes about compliance, spending, or disputes is its own, made at its own discretion and risk.

2. Accuracy, and your responsibility to verify

We curate obligations from primary legal sources (Florida statutes and administrative rules) and cite each with the date we last verified it. Law changes: an obligation may be added, amended, or repealed after our last check, and some items are shown as awaiting final verification. Confirm anything important against the current statute and with association counsel.

The service can only be as accurate as the facts you enter. If you provide an incorrect association type, unit count, building detail, or date, the list you receive may be incomplete or inaccurate. Your officially recorded governing documents and the current statutes always control, not our summary of them.

3. Eligibility and your account

You must be at least 18 years old and able to form a binding contract to use the service. You are responsible for the accuracy of the information you provide, for keeping your sign-in secure, and for all activity under your account. Where the service lets you manage a record on behalf of an association or invite others, you represent that you are authorized to do so.

4. Your content

You keep all ownership of the association details you enter and any proof documents you choose to attach to your binder ("your content"). You grant us a limited license to store and process your content solely to provide the service to you: to build your calendar, keep your records, remind you of deadlines, and provide the features you use.

You are responsible for what you upload. You agree not to upload:

• documents or information you do not have the right to share;
• content that is unlawful, infringing, or that contains someone else’s confidential information without permission;
• correspondence protected by attorney-client privilege.

5. Acceptable use

You agree not to:

• use the service for any unlawful purpose, or to hold its output out to others as your own professional advice;
• attempt to circumvent, disable, or probe the service’s security or guardrails;
• upload malware, scrape or harvest data, reverse-engineer the service, or use it to build a competing product;
• resell, sublicense, or provide the service to third parties except as expressly permitted by a plan you have purchased.

6. Plans, purchases, and billing

The service offers a free assessment and paid plans. Current tiers, features, and prices are shown on the site and may change. Payments are processed by our payment provider, Stripe. By purchasing, you authorize the applicable charge and any recurring charge for subscriptions.

Subscriptions renew automatically at the then-current price until you cancel. You may cancel anytime; cancellation takes effect at the end of the current billing period. Purchases are non-refundable except where required by law.

7. Intellectual property

The service, including its software, design, the structure of our explanations, our curated obligation data, and our name and logo, belongs to us and is protected by intellectual-property laws. You may keep and use the Board Records you generate for your association’s own purposes, but you may not resell them or the service.

8. Third-party services

The service relies on third parties (for example, hosting, authentication, payment, and email providers). We are not responsible for third-party services or content. Your association’s governing documents and communications originate from your association and the state; we organize and cite what the law requires, and we do not verify, endorse, or take responsibility for documents you provide.

9. Disclaimers

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY. WE DO NOT WARRANT THAT ANY OBLIGATION, DATE, CITATION, OR STATUS IS ACCURATE, COMPLETE, CURRENT, OR SUITABLE FOR ANY DECISION. YOUR ACTUAL RECORDED GOVERNING DOCUMENTS AND THE CURRENT STATUTES CONTROL OVER ANYTHING THE SERVICE TELLS YOU.

10. Limitation of liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR FOR ANY FINES, PENALTIES, OR LOSS OF PROFITS ARISING OUT OF OR RELATING TO YOUR USE OF THE SERVICE. OUR TOTAL LIABILITY WILL NOT EXCEED THE GREATER OF (A) THE AMOUNT YOU PAID US IN THE TWELVE MONTHS BEFORE THE CLAIM, OR (B) $100.

11. Indemnification

You agree to indemnify and hold us harmless from any claims, losses, and expenses arising out of your misuse of the service, your violation of these terms, your uploading of content you did not have the right to upload, or any decision you make in reliance on the service.

12. Governing law and disputes

These terms are governed by the laws of the State of Florida, without regard to its conflict-of-laws rules. You agree that the state and federal courts located in Palm Beach County, Florida have exclusive jurisdiction over any dispute, and you consent to venue there.

13. Contact

Questions about these terms? Contact us at support@hoacompliant.com.