Terms & Conditions

1Acceptance of Terms

By creating an account, accessing, browsing, or using the HOA Resource Finder Platform, you confirm that:

• You have read, understood, and agree to be bound by these Terms and all policies incorporated herein by reference;
• You are at least 18 years of age and have the legal capacity to enter into a binding contract;
• If acting on behalf of an organization, you have the authority to bind that organization to these Terms;
• Your use of the Platform complies with all applicable federal, state, and local laws and regulations.

Your continued use of the Platform following any modification to these Terms constitutes your acceptance of the revised Terms.

2Description of Services

HOA Resource Finder is an online marketplace and directory platform that connects homeowner associations (HOAs), property managers, and board directors with service vendors. The Platform provides the following services:

• Vendor Directory: A searchable database of registered service vendors;
• Review & Rating System: A mechanism for HOA managers and directors to submit, view, and manage vendor reviews and ratings;
• Account Management: Registration and profile management for vendors, HOA managers, and board directors;
• Subscription Services: Paid listing and promotional services for vendors.

We reserve the right to modify, suspend, or discontinue any aspect of the Platform at any time without notice or liability.

3Eligibility & Account Registration

3.1 Account Types

The Platform offers three types of accounts:

• Vendor Accounts: For businesses and service providers seeking to list their services;
• HOA Manager Accounts: For professional property managers and management companies;
• Board Director Accounts: For elected or appointed HOA board members.

3.2 Registration Requirements

To register an account, you must provide accurate, current, and complete information. You agree to:

• Maintain the accuracy of your account information and update it as necessary;
• Keep your login credentials confidential and not share them with any third party;
• Notify us immediately of any unauthorized use of your account;
• Be solely responsible for all activity that occurs under your account.

3.3 Account Verification

We reserve the right, but are not obligated, to verify any information provided during registration. We may suspend or terminate any account where information is found to be false, misleading, or incomplete.

4Vendor Subscriptions & Fees

4.1 Subscription Requirement

Vendor accounts require an active paid subscription to maintain an active listing on the Platform. The current subscription fee is $200.00 USD per year, billed annually in advance.

4.2 Subscription Activation

Vendor listings will not be made publicly visible until full payment is received and confirmed. Payment must be made in U.S. dollars via accepted payment methods as indicated on the Platform at the time of registration.

4.3 Auto-Renewal

Subscriptions automatically renew on their anniversary date unless cancelled in writing at least 30 days prior to the renewal date. By subscribing, you authorize SoftForge Labs LLC to charge your payment method on file for each renewal period.

4.4 Subscription Changes

We reserve the right to change subscription fees at any time. Any price changes will be communicated via email at least 30 days before taking effect. Continued use of the Platform after the effective date of a price change constitutes acceptance of the new pricing.

4.5 Grace Period

Upon subscription expiration, vendors will enter a 30-day grace period during which their listing remains visible but is marked as expired. After the grace period, the listing will be deactivated. Reactivation requires payment of the full annual subscription fee.

5No Refund Policy

5.1 No Refunds Under Any Circumstances

SoftForge Labs LLC does not issue refunds, credits, or prorated amounts for any reason, including but not limited to:

• Early cancellation of a subscription before the end of the billing period;
• Dissatisfaction with the Platform, its features, or its performance;
• Failure to use the Platform or access your account during the subscription period;
• Account suspension or termination resulting from a violation of these Terms;
• Technical issues, downtime, or service interruptions;
• Changes to Platform features, pricing, or functionality;
• Business closure, change of ownership, or cessation of operations by the vendor;
• Failure to receive inquiries, leads, or business through the Platform;
• Disputes with HOA members, managers, or directors;
• Errors in vendor-submitted information or listing content.

5.2 Chargebacks

If you initiate a chargeback or payment dispute with your bank or credit card provider for any payment made to SoftForge Labs LLC, we reserve the right to immediately suspend or permanently terminate your account and pursue collection of the disputed amount plus any associated fees, including but not limited to chargeback fees, collection costs, and reasonable attorney's fees.

5.3 No Exceptions

This no-refund policy is firm and non-negotiable. Our customer support team is not authorized to make exceptions to this policy. By proceeding with payment, you confirm that you understand and accept this policy in its entirety.

6Reviews, Ratings & Finality

6.1 Review Submission

Authorized HOA managers and board directors may submit reviews and ratings for vendors with whom their association has had a service relationship. By submitting a review, you represent and warrant that:

• You have a genuine, firsthand experience with the vendor being reviewed;
• All information in your review is truthful, accurate, and not misleading;
• You are an authorized representative of the HOA association you represent;
• The review does not contain defamatory, harassing, or unlawful content;
• You are not affiliated with, employed by, or in competition with the vendor being reviewed.

6.2 Review Approval Process

All reviews undergo a two-stage moderation process before publication. We reserve the right to approve, reject, or request modifications to any review that violates our content guidelines. However, we are not obligated to review or moderate any content and are not responsible for the accuracy of published reviews.

6.3 Vendor Response

Vendors may submit a one-time response to each published review. Vendor responses are subject to the same content guidelines as reviews and must be respectful, factual, and professional. Responses are final once published.

6.4 Finality of Published Reviews

Once a review is approved and published on the Platform:

• The review and its associated star rating become a permanent part of the Platform's content;
• Vendors have no right to demand removal, editing, or suppression of any published review;
• HOA Resource Finder will not remove negative reviews solely because a vendor finds them unfavorable;
• A vendor's subscription status, payment history, or threatened legal action will not be grounds for review removal;
• Aggregate ratings calculated from published reviews reflect the permanent record of the vendor's performance as rated by the HOA community.

6.5 Limited Grounds for Review Removal

We may, at our sole discretion, remove a published review only if:

• The review is determined to contain verifiably false factual statements;
• The review violates applicable law, including defamation laws;
• The review contains personal identifying information, hate speech, or illegal content;
• A court of competent jurisdiction orders removal;
• We determine through investigation that the review was submitted fraudulently.

6.6 No Guarantee of Accuracy

HOA Resource Finder does not verify or endorse the accuracy, completeness, or reliability of any reviews or ratings posted on the Platform. Reviews reflect the opinions of individual users and do not represent the views of SoftForge Labs LLC.

6.7 Rating Integrity

Any attempt by a vendor to manipulate ratings or reviews — including but not limited to submitting fake reviews, incentivizing reviewers, threatening reviewers, or coordinating mass negative reviews of competitors — will result in immediate account termination without refund and may result in legal action.

7User Content & License

7.1 Content Ownership

You retain ownership of any content you submit to the Platform ("User Content"), including reviews, ratings, vendor profiles, descriptions, and images. However, by submitting User Content, you grant SoftForge Labs LLC a perpetual, irrevocable, worldwide, royalty-free, non-exclusive license to use, reproduce, modify, publish, translate, distribute, display, and create derivative works from your User Content in connection with operating and promoting the Platform.

7.2 Content Standards

All User Content must comply with the following standards. Content must not:

• Be false, misleading, fraudulent, or deceptive;
• Be defamatory, obscene, offensive, or harassing;
• Infringe any third-party intellectual property rights;
• Contain personal information of others without consent;
• Contain spam, advertisements, or promotional material;
• Violate any applicable law or regulation.

7.3 Content Removal

We reserve the right, but are not obligated, to remove any User Content that violates these Terms or that we find objectionable in our sole discretion, without notice or liability.

8Prohibited Conduct

You agree not to engage in any of the following activities:

• Creating multiple accounts or impersonating any person or entity;
• Submitting false, misleading, or fraudulent information or reviews;
• Scraping, harvesting, or collecting data from the Platform without authorization;
• Using automated tools, bots, or scripts to access the Platform;
• Interfering with or disrupting the Platform's infrastructure or security;
• Attempting to gain unauthorized access to any portion of the Platform;
• Using the Platform for any unlawful purpose;
• Soliciting other users' credentials or personal information;
• Selling, transferring, or sublicensing your account to any third party;
• Reverse engineering, decompiling, or disassembling any portion of the Platform.

Violation of these prohibitions may result in immediate account termination without refund and may subject you to civil and/or criminal liability.

9Disclaimer of Warranties

THE PLATFORM AND ALL CONTENT, SERVICES, AND FEATURES ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO:

• WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE;
• WARRANTIES THAT THE PLATFORM WILL BE UNINTERRUPTED, ERROR-FREE, OR SECURE;
• WARRANTIES AS TO THE ACCURACY, RELIABILITY, OR COMPLETENESS OF ANY INFORMATION;
• WARRANTIES REGARDING THE QUALITY OF SERVICES PROVIDED BY LISTED VENDORS.

SOFTFORGE LABS LLC MAKES NO WARRANTY THAT ANY VENDOR LISTED ON THE PLATFORM IS LICENSED, INSURED, BONDED, OR COMPETENT. ANY VERIFICATION BADGES OR INDICATORS ARE BASED SOLELY ON SELF-REPORTED INFORMATION AND DO NOT CONSTITUTE A GUARANTEE OR ENDORSEMENT BY HOA RESOURCE FINDER.

10Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, SOFTFORGE LABS LLC, ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, AND LICENSORS SHALL NOT BE LIABLE FOR ANY:

• INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES;
• LOSS OF PROFITS, REVENUE, DATA, BUSINESS, OR GOODWILL;
• DAMAGE RESULTING FROM SERVICES PERFORMED OR NOT PERFORMED BY ANY VENDOR;
• DAMAGE RESULTING FROM RELIANCE ON ANY INFORMATION ON THE PLATFORM;
• DAMAGE RESULTING FROM UNAUTHORIZED ACCESS TO OR ALTERATION OF YOUR TRANSMISSIONS OR DATA.

IN NO EVENT SHALL OUR TOTAL LIABILITY TO YOU EXCEED THE GREATER OF (A) THE AMOUNT YOU PAID TO US IN THE 12 MONTHS PRECEDING THE CLAIM, OR (B) ONE HUNDRED DOLLARS ($100.00 USD).

SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF CERTAIN DAMAGES, SO SOME OF THE ABOVE LIMITATIONS MAY NOT APPLY TO YOU.

11Indemnification

You agree to indemnify, defend, and hold harmless SoftForge Labs LLC and its officers, directors, employees, agents, affiliates, and licensors from and against any and all claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys' fees) arising out of or in connection with:

• Your use of or access to the Platform;
• Your violation of these Terms or any applicable law;
• Your User Content or any representations made therein;
• Any services provided or contracted through the Platform;
• Your negligence or willful misconduct.

12Account Termination & Suspension

12.1 Termination by Us

We reserve the right to suspend or permanently terminate your account at any time, with or without notice, for any reason, including but not limited to:

• Violation of these Terms or any of our policies;
• Providing false or misleading information;
• Non-payment of subscription fees;
• Conduct that we determine, in our sole discretion, is harmful to other users or the Platform;
• Any legal or regulatory requirement.

12.2 Termination by You

You may cancel your account at any time by contacting us in writing. Cancellation takes effect at the end of the then-current billing period. No refunds or credits will be issued for any unused portion of a subscription period.

12.3 Effect of Termination

Upon termination, your right to access and use the Platform immediately ceases. Any User Content you submitted may remain on the Platform, including published reviews and ratings, which are permanent as described in Section 6.

13Privacy Policy

Your use of the Platform is also governed by our Privacy Policy, which is incorporated into these Terms by reference. By using the Platform, you consent to the collection, use, and sharing of your information as described in our Privacy Policy. We collect and process personal data including but not limited to:

• Account registration information (name, email, phone number);
• Payment information (processed securely through third-party payment processors);
• Usage data, IP addresses, and browser information;
• Communications submitted through the Platform.

We do not sell your personal information to third parties. We may share information with service providers necessary to operate the Platform, as required by law, or with your consent.

14Intellectual Property

The Platform and all of its content, features, and functionality — including but not limited to the HOA Resource Finder name, logo, software, text, graphics, images, and design — are owned by SoftForge Labs LLC and are protected by U.S. and international copyright, trademark, and other intellectual property laws.

You may not copy, modify, distribute, sell, license, or otherwise exploit any portion of the Platform without our prior written consent. Any unauthorized use of our intellectual property is a violation of these Terms and may also constitute copyright or trademark infringement.

15Dispute Resolution & Arbitration

15.1 Informal Resolution

Before initiating any formal legal proceeding, you agree to contact us at legal@hoaresourcefinder.com and attempt to resolve any dispute informally. We will attempt to resolve the dispute within 30 days of receipt of your notice.

15.2 Binding Arbitration

If informal resolution fails, any dispute, claim, or controversy arising out of or relating to these Terms or the Platform shall be resolved by binding individual arbitration administered by the American Arbitration Association (AAA) in accordance with its Commercial Arbitration Rules. The arbitration shall be conducted in English and the award shall be final and binding.

15.3 Class Action Waiver

YOU WAIVE YOUR RIGHT TO PARTICIPATE IN A CLASS ACTION LAWSUIT OR CLASS-WIDE ARBITRATION. All disputes must be resolved on an individual basis only.

15.4 Exceptions

Either party may seek emergency injunctive or other equitable relief from a court of competent jurisdiction to prevent actual or threatened infringement of intellectual property rights or to prevent imminent harm.

16Governing Law & Jurisdiction

These Terms shall be governed by and construed in accordance with the laws of the State of [State], without regard to its conflict of law provisions. To the extent that any dispute is not subject to arbitration under Section 15, you consent to the exclusive personal jurisdiction and venue of the state and federal courts located in [County], [State].

The Platform is intended for use within the United States. If you access the Platform from outside the United States, you do so at your own risk and are responsible for compliance with local laws.

17Changes to These Terms

We reserve the right to modify these Terms at any time. When we make material changes, we will:

• Post the updated Terms on this page with a new "Last Updated" date;
• Send registered users an email notification of material changes;
• Display a notice on the Platform for a reasonable period.

Your continued use of the Platform after the effective date of any changes constitutes your binding acceptance of the revised Terms. If you do not agree to the revised Terms, you must stop using the Platform and cancel your account.

18Contact Information

For questions, concerns, or notices regarding these Terms, please contact us: