Terms of Service

🌿 Plain-English Summary

1. Acceptance of Terms

By accessing or using HOAIssueFix.com ("the Service"), you agree to these Terms of Service, our Privacy Policy, and our Legal Disclaimer. If you do not agree, do not use the Service.

These Terms form a legally binding agreement between you ("User", "you") and HOAIssueFix.com ("Company", "we", "us").

2. Eligibility

• You must be at least 18 years old
• You must be a resident of the United States (HOAIssueFix is built specifically for US HOA law)
• You must have legal authority over the property the HOA violation pertains to (owner, lessee, or authorized representative)
• You must not be barred from using the Service under applicable law

3. Description of Service

HOAIssueFix is an AI-assisted information platform that helps homeowners:

• Analyze HOA violation notices
• Identify potential procedural and legal defenses
• Generate appeal letters, dispute responses, and other documents
• Reference state-specific HOA statutes (CC&R interpretation)
• Prepare for board hearings
• Track dispute deadlines and evidence

The Service is offered in free and paid tiers. Free users get limited access to core tools. Paid subscribers get higher usage limits, advanced features, and priority support.

4. Not Legal Advice

You are solely responsible for any actions you take based on information from the Service. We strongly recommend consulting a licensed real estate attorney before:

• Filing a lawsuit against your HOA
• Responding to a foreclosure notice or assessment lien
• Negotiating settlement of substantial fines or judgments
• Any HOA dispute involving complex factual or legal questions

See our full Legal Disclaimer for details.

5. AI Limitations

HOAIssueFix uses large language models (LLMs) to generate analyses and documents. You acknowledge that:

• AI-generated content may contain errors, omissions, or outdated information
• State HOA laws change frequently; AI knowledge may not reflect the most recent amendments
• The AI cannot account for unique facts of your situation the way a human attorney would
• AI-generated letters and analyses should be reviewed for accuracy before being submitted or relied upon
• You are responsible for verifying any statutes, case citations, or legal claims the AI references

6. Account & Security

To use most features of the Service, you must create an account. You agree to:

• Provide accurate, current, and complete information
• Keep your password confidential
• Be solely responsible for all activity that occurs under your account
• Notify us immediately at [email protected] of any unauthorized use
• Not share your account credentials with anyone else

We reserve the right to suspend or terminate accounts that violate these Terms or that we reasonably suspect of fraudulent or abusive use.

7. Subscriptions & Payments

Plans & Billing

We offer monthly and one-time subscription plans. All payments are processed by our third-party payment processor, LemonSqueezy. We never see or store your full payment details.

Auto-Renewal

Monthly subscriptions automatically renew at the end of each billing cycle until you cancel. You can cancel at any time from your account dashboard or by emailing [email protected]. Cancellation takes effect at the end of the current billing period — you retain access until then.

Pricing Changes

We may change pricing for new subscribers at any time. Existing subscribers will be notified at least 30 days before any price change affects their renewal.

8. Refunds

We offer a 14-day money-back guarantee on first-time subscriptions if you're not satisfied with the Service.

To request a refund, email [email protected] from the email address tied to your account within 14 days of your initial purchase. See our full Refund Policy for complete details.

9. Acceptable Use

You agree NOT to:

• Use the Service for any unlawful purpose
• Upload content that contains malware, viruses, or other malicious code
• Attempt to reverse-engineer, scrape, or copy the Service's code or AI prompts
• Use the Service to harass, threaten, defame, or harm any HOA board member or other person
• Submit fabricated, misleading, or fraudulent HOA notices
• Resell, sublicense, or commercially distribute Service outputs without permission
• Use automated tools (bots, scrapers) to access the Service without our written permission
• Use the Service to provide legal advice to others
• Submit content that infringes on copyrights, trademarks, or other intellectual property rights

Violation may result in immediate account termination without refund and potential legal action.

10. Intellectual Property

The Service — including its design, code, prompts, brand, and proprietary content — is owned by HOAIssueFix and protected by US and international copyright, trademark, and trade secret laws.

You may not copy, modify, distribute, sell, or reverse-engineer any part of the Service except as expressly permitted by these Terms.

11. Your Content

You retain ownership of all HOA notices, letters, and other content you submit to the Service ("User Content").

By submitting User Content, you grant HOAIssueFix a limited, non-exclusive, worldwide, royalty-free license to use, process, and analyze your User Content solely for the purpose of providing the Service to you.

You also grant us a perpetual, anonymized license to use aggregated, de-identified usage data to improve our AI models and service quality.

You represent that you have the right to submit any User Content you upload and that doing so does not violate any third party's rights.

12. Termination

You may delete your account at any time from your dashboard or by emailing us. Upon deletion, your account data will be removed within 30 days, except where retention is required by law (e.g., tax/billing records for 7 years).

We may suspend or terminate your access immediately, with or without notice, if you breach these Terms.

Sections that by their nature should survive termination (IP, disclaimers, liability limits, indemnification, governing law) will continue in effect.

13. Disclaimers

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, OR ACCURACY.

WE DO NOT WARRANT:

• That the Service will be uninterrupted, error-free, or secure
• That AI-generated content will be accurate, complete, or legally sound
• That use of the Service will result in your HOA dispute being resolved in your favor
• That any specific outcome, fine reduction, or dismissal will occur

The 73% win rate referenced in our marketing materials is based on aggregated user-reported outcomes and does not guarantee any particular result in your case.

14. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, HOAIssueFix and its officers, directors, employees, and agents shall NOT be liable for:

• Indirect, incidental, special, consequential, or punitive damages
• Lost profits, lost data, or business interruption
• Damages arising from your use of (or inability to use) the Service
• Damages arising from any HOA-related legal proceedings, judgments, or outcomes

OUR TOTAL CUMULATIVE LIABILITY FOR ANY AND ALL CLAIMS ARISING FROM YOUR USE OF THE SERVICE IS LIMITED TO THE GREATER OF (A) THE AMOUNT YOU PAID US IN THE 12 MONTHS PRECEDING THE CLAIM, OR (B) $100.

Some jurisdictions do not allow exclusion of certain warranties or limitation of liability — in those jurisdictions, our liability is limited to the greatest extent permitted by law.

15. Indemnification

You agree to indemnify, defend, and hold harmless HOAIssueFix and its affiliates from any claims, damages, costs, or expenses (including reasonable attorneys' fees) arising from (a) your use of the Service, (b) your violation of these Terms, (c) your violation of any third party's rights, or (d) any content you submit to the Service.

16. Governing Law & Disputes

These Terms are governed by the laws of the State of Delaware, USA, without regard to its conflict-of-laws principles.

Any dispute arising from these Terms or your use of the Service shall be resolved by binding arbitration in accordance with the rules of the American Arbitration Association (AAA), seated in Wilmington, Delaware. You waive any right to a jury trial or to participate in a class action.

Small claims exception: Either party may bring an individual action in small-claims court for disputes within that court's jurisdiction.

17. Changes to These Terms

We may update these Terms from time to time. Material changes will be communicated by:

• Posting the updated Terms with a new "Last updated" date
• Sending an email notification to active account holders at least 30 days before changes take effect

Your continued use of the Service after the effective date constitutes acceptance of the revised Terms.

18. Contact Us

Questions about these Terms?