Terms of Service

1. Acceptance of Terms

By accessing or using DisputeMyHOA (the "Service"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, do not use the Service. The Service is operated by Astro Digital Labs ("we", "us", "our").

2. Description of the Service

DisputeMyHOA is a self-help document preparation service built around our proprietary Dispute Engine, which helps homeowners understand and respond to notices from their homeowners association. The Dispute Engine is powered by advanced language model technology. The Service provides:

• Educational information about HOA dispute processes
• Engine-generated draft response letters and templates
• Procedural checklists and deadline reminders
• Tools to help you organize your own correspondence with your HOA

3. Not Legal Advice; No Attorney-Client Relationship

The Service is not a substitute for the advice of a licensed attorney. All information, documents, templates, and other materials provided by the Service are for general informational and self-help purposes only and do not constitute legal advice.

No attorney-client relationship is created by your use of the Service. No information you submit is protected by attorney-client privilege.

If you require legal advice, you must consult a licensed attorney in your state. We strongly recommend doing so before relying on any document generated by the Service in connection with a lien, foreclosure, lawsuit, or other significant legal matter.

4. Engine-Generated Content

Documents generated by the Dispute Engine are produced using artificial intelligence and may contain errors, omissions, or inaccuracies. State statutes, deadlines, and procedural rules vary by jurisdiction and change over time. You are responsible for reviewing all Engine-generated content carefully before use and for verifying any cited information against current authoritative sources. We make no warranty about the accuracy, completeness, or fitness for any particular purpose of Engine-generated output.

5. Eligibility

You must be at least 18 years old and a legal resident of the United States to use the Service. By using the Service, you represent that you meet these requirements.

6. Account & User Content

You may need to provide an email address to use certain features. You are responsible for maintaining the security of your account credentials.

When you upload an HOA notice or other content to the Service, you grant us a limited license to process that content for the purpose of providing the Service to you. We will not sell your uploaded notices or share them with third parties except as needed to operate the Service (for example, sending the text to our language model processing provider).

You represent that you have the right to upload and process any content you submit, and that doing so does not violate any third-party rights.

7. Payments

The Service offers a free preview and a paid full report. Paid features are billed as one-time payments processed through Stripe. Prices are listed on the Service and may change at any time. Applicable taxes may apply.

By making a purchase, you authorize us to charge your payment method for the listed amount.

8. Refunds

Refunds are governed by our Refund Policy.

9. Acceptable Use

You agree not to:

• Use the Service for any unlawful purpose
• Submit content that is fraudulent, harassing, defamatory, or violates the rights of others
• Attempt to circumvent any security or access controls of the Service
• Reverse engineer, scrape, or copy substantial portions of the Service
• Use automated tools to interact with the Service without permission
• Resell, sublicense, or commercially exploit the Service or its output without our written consent
• Use the Service to provide legal advice or services to third parties

10. Intellectual Property

The Service, including its software, templates, design, and content, is owned by us and protected by intellectual property laws. We grant you a limited, non-exclusive, non-transferable license to use the Service for your personal, non-commercial use in connection with your own HOA disputes.

You retain ownership of any HOA notices and personal content you upload. Engine-generated documents produced for you are licensed to you for your personal use in connection with your dispute.

11. Disclaimer of Warranties

The Service is provided "as is" and "as available" without warranties of any kind, express or implied.

To the maximum extent permitted by law, we disclaim all warranties, including warranties of merchantability, fitness for a particular purpose, accuracy, non-infringement, and any warranty arising from course of dealing or usage of trade. We do not warrant that the Service will be uninterrupted, error-free, or secure, or that any defects will be corrected.

12. Limitation of Liability

To the maximum extent permitted by law, our total liability to you for any claim arising out of or related to the Service shall not exceed the amount you paid us in the twelve months preceding the claim, or $100, whichever is greater.

In no event will we be liable for any indirect, incidental, special, consequential, or punitive damages, including lost profits, lost data, or any HOA fines, liens, or other costs you may incur in connection with your dispute. This limitation applies regardless of the legal theory of liability.

13. Indemnification

You agree to indemnify and hold harmless DisputeMyHOA, its operators, employees, and contractors from any claim, loss, damage, or expense (including reasonable attorneys' fees) arising out of your use of the Service, your violation of these Terms, or your violation of any third-party rights.

14. Termination

We may suspend or terminate your access to the Service at any time, with or without cause or notice. You may stop using the Service at any time. Sections of these Terms that by their nature should survive termination (including disclaimers, limitations of liability, and indemnification) will survive.

15. Governing Law & Disputes

These Terms are governed by the laws of the State of Georgia, without regard to conflict of law principles. Any dispute arising out of or related to these Terms or the Service shall be resolved exclusively in the state or federal courts located in Georgia, and you consent to the personal jurisdiction of those courts.

16. Changes to These Terms

We may update these Terms from time to time. When we do, we'll update the "Last updated" date below. If the changes are material, we'll provide additional notice (for example, via email or a notice on the Service). Continued use of the Service after changes take effect constitutes acceptance of the updated Terms.

17. Contact

Questions about these Terms? Contact us at support@disputemyhoa.com.