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# Terms of Service

Effective Date: March 1, 2026 · Last Updated: March 1, 2026

These Terms of Service ("Terms") constitute a legally binding agreement between you ("User," "you," or "your") and HOA LedgerIQ ("Company," "we," "us," or "our") governing your access to and use of the HOA LedgerIQ website and software-as-a-service platform (collectively, the "Service"). By accessing or using the Service, you agree to be bound by these Terms. If you do not agree, do not use the Service.

## 1. Eligibility

You must be at least 18 years of age and have the legal authority to enter into a binding agreement on behalf of yourself or the organization you represent. By using the Service, you represent and warrant that you meet these requirements. Use of the Service is not permitted where prohibited by law.

## 2. Account Registration

To access most features of the Service, you must register for an account. You agree to:

- Provide accurate, current, and complete information during registration
- Maintain and promptly update your account information
- Keep your login credentials confidential and not share them with third parties
- Notify us immediately at support@hoaledgeriq.com of any unauthorized use of your account
- Accept responsibility for all activities that occur under your account

We reserve the right to suspend or terminate accounts that contain false information or violate these Terms.

## 3. Subscription Plans and Billing

Plans: The Service is offered under multiple subscription tiers (Starter, Professional, Enterprise) as described on our pricing page. Features and unit limits vary by plan.

Free Trial: We may offer a free trial period. At the end of the trial, your account will automatically convert to a paid subscription unless you cancel before the trial ends.

Billing: Subscription fees are billed in advance on a monthly or annual basis. All fees are in U.S. dollars and are non-refundable except as expressly stated herein.

Price Changes: We reserve the right to adjust pricing with at least 30 days' advance notice. Your continued use of the Service after the price change takes effect constitutes your acceptance of the new pricing.

Cancellation: You may cancel your subscription at any time. Cancellation takes effect at the end of the current billing period. You will retain access to the Service through the end of your paid period.

## 4. Acceptable Use

You agree to use the Service only for lawful purposes and in accordance with these Terms. You agree not to:

- Use the Service in any way that violates applicable federal, state, local, or international law or regulation
- Attempt to gain unauthorized access to any portion of the Service or its related systems
- Upload or transmit viruses, malware, or any other malicious code
- Reverse engineer, decompile, or disassemble any part of the Service
- Resell, sublicense, or commercially exploit the Service without our written consent
- Use the Service to store or transmit content that is unlawful, defamatory, or infringing on third-party rights
- Interfere with or disrupt the integrity or performance of the Service
- Scrape, crawl, or use automated means to access the Service without prior written permission

## 5. Your Data

Ownership: You retain full ownership of all data, content, and information you input into the Service ("Customer Data"). We do not claim any ownership rights over your Customer Data.

License to Us: By using the Service, you grant us a limited, non-exclusive, worldwide license to host, store, process, and display your Customer Data solely as necessary to provide and improve the Service.

Data Accuracy: You are solely responsible for the accuracy, quality, integrity, and legality of your Customer Data. We are not responsible for any errors or inaccuracies in financial data you enter into the platform.

Backup: While we maintain reasonable backup procedures, you are responsible for maintaining independent backups of your critical financial data.

## 6. Intellectual Property

The Service and its original content, features, functionality, design, logos, and software are and will remain the exclusive property of HOA LedgerIQ and its licensors. Nothing in these Terms transfers any intellectual property rights to you. You may not use our trademarks, logos, or brand elements without our prior written consent.

## 7. Third-Party Integrations

The Service may integrate with third-party services (e.g., banks, payment processors, accounting tools). Your use of such integrations is governed by the third party's own terms of service and privacy policies. We are not responsible for the availability, accuracy, or conduct of any third-party service.

## 8. Disclaimer of Warranties

THE SERVICE IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT.

We do not warrant that: (a) the Service will be uninterrupted or error-free; (b) defects will be corrected; (c) the Service is free of viruses or other harmful components; or (d) the results obtained from using the Service will be accurate or reliable.

Financial Disclaimer: The Service provides financial management tools and AI-generated insights for informational purposes only. Nothing in the Service constitutes financial, tax, investment, or legal advice. You should consult qualified professionals before making financial decisions for your community.

## 9. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL HOA LEDGERIQ, ITS OFFICERS, DIRECTORS, EMPLOYEES, OR AGENTS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES — INCLUDING LOSS OF PROFITS, DATA, GOODWILL, OR OTHER INTANGIBLE LOSSES — ARISING OUT OF OR RELATED TO YOUR USE OF THE SERVICE, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

OUR TOTAL CUMULATIVE LIABILITY TO YOU FOR ALL CLAIMS ARISING OUT OF OR RELATED TO THE SERVICE SHALL NOT EXCEED THE GREATER OF (A) THE AMOUNTS YOU PAID TO US IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM OR (B) ONE HUNDRED U.S. DOLLARS ($100).

## 10. Indemnification

You agree to defend, indemnify, and hold harmless HOA LedgerIQ and its officers, directors, employees, contractors, and agents from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising out of or relating to your violation of these Terms or your use of the Service.

## 11. Termination

We may suspend or terminate your access to the Service at any time, with or without cause or notice, including if we believe you have violated these Terms. Upon termination, your right to use the Service will immediately cease.

You may export your Customer Data at any time while your account is active. Following termination, we will retain your data for 30 days before permanent deletion, during which you may contact us to request an export.

## 12. Governing Law and Dispute Resolution

These Terms shall be governed by and construed in accordance with the laws of the State of North Carolina, without regard to its conflict of law provisions.

Any dispute arising from or relating to these Terms or the Service shall first be attempted to be resolved through good-faith negotiation. If unresolved after 30 days, disputes shall be submitted to binding arbitration in accordance with the rules of the American Arbitration Association, with proceedings conducted in English in North Carolina. You waive any right to participate in a class-action lawsuit or class-wide arbitration.

## 13. Changes to These Terms

We reserve the right to modify these Terms at any time. We will notify you of material changes by posting the updated Terms on this page with a new effective date and, where appropriate, sending an email notification. Your continued use of the Service after changes take effect constitutes your acceptance of the revised Terms.

## 14. Miscellaneous

- Entire Agreement: These Terms, together with our Privacy Policy, constitute the entire agreement between you and HOA LedgerIQ regarding the Service.
- Severability: If any provision of these Terms is found to be unenforceable, the remaining provisions will remain in full force and effect.
- Waiver: Our failure to enforce any right or provision does not constitute a waiver of that right or provision.
- Assignment: You may not assign these Terms without our prior written consent. We may assign our rights and obligations without restriction.

## 15. Contact Us

If you have questions about these Terms, please contact us at:

HOA LedgerIQ
Email: legal@hoaledgeriq.com
Website: www.hoaledgeriq.com