Effective date: August 30, 2026 (section 3A added October 5, 2026) Provider: HOA Shield LLC, a New Jersey limited liability company ("HOA Shield," "we," "us") Contact: contact@hoashieldapp.com
These Terms of Service ("Terms") are a binding contract between you and HOA Shield LLC. By creating an account, purchasing a subscription, or using the HOA Shield website, app, or any content we provide (together, the "Service"), you agree to these Terms and our Privacy Policy. If you do not agree, do not use the Service. You must be at least 18 years old and able to form a binding contract.
HOA Shield provides plain-language summaries of, and search tools for, community governing documents (master deeds, by-laws, rules, public offering statements, and similar records) for the specific communities we have processed. The Service is an informational convenience only.
THE SERVICE DOES NOT PROVIDE LEGAL ADVICE, AND NOTHING IN THE SERVICE CREATES AN ATTORNEY-CLIENT RELATIONSHIP. HOA Shield LLC IS NOT A LAW FIRM, IS NOT LICENSED TO PRACTICE LAW, AND DOES NOT REPRESENT YOU. SUMMARIES, ANSWERS, SEVERITY LABELS, DEADLINES, AND CITATIONS ARE GENERAL INFORMATION ABOUT WHAT DOCUMENTS SAY, NOT ADVICE ABOUT WHAT YOU SHOULD DO. FOR ANY DECISION WITH LEGAL OR FINANCIAL CONSEQUENCES, A VIOLATION NOTICE, A FINE, A DISPUTE, A SALE, A LEASE, AN ALTERATION, CONSULT A LICENSED ATTORNEY IN YOUR STATE BEFORE ACTING.
The Service summarizes documents recorded with government offices or supplied to us. The recorded originals, and any amendments, always control. Documents change; associations amend rules; our summaries may lag, contain errors, or omit provisions relevant to your situation. You are responsible for verifying any provision against the recorded originals and with your association before relying on it. We do not guarantee that the Service reflects the current version of any document.
HOA Shield is independent. Unless expressly stated, we are not affiliated with, endorsed by, or acting for any homeowners association, condominium association, property manager, developer, or government body. We cannot waive, interpret, or enforce any association's rules, and using the Service does not satisfy any notice, application, or approval requirement of your association.
You agree to provide accurate information, keep your credentials confidential, and accept responsibility for all activity under your account. Accounts are personal to you and may not be shared, resold, or transferred. Notify us promptly of any unauthorized use.
Each community's content is limited to its current owners. You can verify with a resident access code or by uploading a document that shows your name and your address in that community, such as a property tax bill, an HOA statement or a page of your deed.
(a) What we do with the document. We use it only to decide whether to give your account access to that one community. A person at HOA Shield looks at it. We delete the document as soon as that decision is made, whether we approve or deny. We keep a short record of the request: the name and address you typed, the community, the date, and the decision with any reason we gave.
(b) Send only what is needed. You may cover account numbers, amounts owed and anything else not needed to show your name and address. Do not upload anyone else's document.
(c) Access lasts one year. Verification expires 12 months after it is granted, so access follows current ownership. To keep access, verify again with your code or a current document.
(d) When you sell. Your access ends when you no longer own a home in that community. We may remove it when we learn of a sale, and you agree not to use it after you sell.
(e) False documents. Uploading a document that is not yours, or that has been altered, ends your account.
(a) Fees. Access to paid features requires a subscription at the prices shown at purchase, plus applicable taxes. (b) Auto-renewal. Subscriptions renew automatically at the end of each billing period at the then-current price until you cancel. We will send any renewal notices required by law. (c) Cancellation. You may cancel at any time through your account or by emailing contact@hoashieldapp.com; cancellation takes effect at the end of the current billing period, and you keep access until then. (d) Refunds. Except where required by law, fees are non-refundable; however, if the Service materially failed to function during a paid period, contact us and we will work in good faith on a remedy, which may include a pro-rata refund. (e) Price changes. We may change prices with at least 30 days' notice; changes apply at your next renewal. (f) Free tiers and trials may be modified or withdrawn at any time.
You agree NOT to: (a) copy, scrape, crawl, frame, or bulk-download the Service or its content, whether manually or by automated means (including for training machine-learning models); (b) resell, sublicense, redistribute, or make the Service available to third parties, including to an association, board, or property manager, without a written commercial agreement with us; (c) reverse engineer, decompile, or attempt to extract our data compilations, prompts, or source materials; (d) remove or obscure copyright, trademark, or attribution notices; (e) use the Service to harass any person, to violate any law, or to misrepresent our summaries as statements of your association; (f) interfere with the Service's operation or security; or (g) frame or mirror any part of the Service. We may suspend or terminate accounts that violate this section immediately and without refund.
Some communities have a community board inside the Service: a private area where that association's board of directors and its property manager post notices and vendor proposals, and where verified owners of that same community may comment and give feedback. Access is limited to people we have verified as belonging to that community. The following applies to it.
(a) You are responsible for what you post. Anything you write there is yours, not ours. Do not post another resident's personal information, unit number, financial or medical information, photographs of people taken without their knowledge, accusations of criminal conduct, or anything defamatory, harassing, or unlawful. Do not post anything you would not put in a letter to your whole association.
(b) Owner feedback on a vendor is advisory only. Under the New Jersey Condominium Act and ordinary association bylaws, the board of directors contracts with vendors. Feedback recorded in the Service is a record of what owners said; it is not a vote, not a meeting, not notice of a meeting, and it does not approve, reject, bind, or authorize anything. Nothing in the Service satisfies any voting, quorum, notice, or open-meeting requirement in your governing documents or in law. Follow your bylaws.
(c) Posts by a board or a property manager may be association records. We keep them, and we keep comments, feedback and confirmations, as a durable record. Hiding a post or comment marks it hidden; it does not erase it, and the board and the property manager can still read it together with a note of who hid it. Do not use the Service as your only copy of anything that matters.
(d) We may remove content and we do not monitor it. We may hide or remove anything that breaks these Terms and may suspend accounts, but we do not review posts before they appear and we are not responsible for them. Content is the responsibility of the person who posted it.
(e) Roles. "Board" and "property manager" access is assigned by us only after we verify the person through the community's management company or more than one board officer. Nobody can claim a role inside the Service.
(f) Confirmation buttons. Confirming that a board roster or a management contact is correct records your view on that day. It is not a legal attestation, it does not elect or remove anyone, and it does not make us responsible for the accuracy of what you confirmed.
The Service, including its software, design, compilation of rules data, summaries, answer text, question-and-answer pairs, severity classifications, structure, and branding, is owned by HOA Shield LLC and protected by copyright, trademark, trade secret, and other laws. "HOA Shield" and the shield logo are trademarks of HOA Shield LLC [™, pending registration / ® once registered]. We grant you a limited, personal, non-exclusive, non-transferable, revocable license to use the Service for your own household's informational purposes. All rights not expressly granted are reserved. Underlying recorded public documents remain public records; our summaries, selections, arrangements, and enhancements of them are our own protected work product.
If you send us suggestions or feedback, we may use them without restriction or compensation, and you waive any claim to ownership in resulting improvements.
The Service may link to or rely on third-party services (payment processors, hosting, AI providers, public records sources). We are not responsible for third-party services, and your use of them is governed by their own terms.
THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, ACCURACY, COMPLETENESS, TIMELINESS, OR UNINTERRUPTED AVAILABILITY. WE DO NOT WARRANT THAT ANY SUMMARY, ANSWER, CITATION, DEADLINE, OR CLASSIFICATION IS ACCURATE, CURRENT, OR SUITABLE FOR YOUR SITUATION. SOME JURISDICTIONS DO NOT ALLOW CERTAIN WARRANTY EXCLUSIONS, SO SOME OF THE ABOVE MAY NOT APPLY TO YOU.
TO THE MAXIMUM EXTENT PERMITTED BY LAW: (a) HOA Shield LLC AND ITS MEMBERS, OFFICERS, EMPLOYEES, AND AGENTS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR LOST PROFITS, FINES, PENALTIES, ASSESSMENTS, LIENS, LOST SAVINGS, OR LOSS OF DATA, ARISING FROM OR RELATED TO THE SERVICE, INCLUDING ANY ACTION YOU TAKE OR DO NOT TAKE IN RELIANCE ON THE SERVICE, EVEN IF ADVISED OF THE POSSIBILITY; AND (b) OUR TOTAL AGGREGATE LIABILITY FOR ALL CLAIMS WILL NOT EXCEED THE GREATER OF THE AMOUNT YOU PAID US IN THE 12 MONTHS BEFORE THE CLAIM AROSE OR US $50. THESE LIMITS APPLY REGARDLESS OF THE THEORY OF LIABILITY AND EVEN IF A REMEDY FAILS OF ITS ESSENTIAL PURPOSE. SOME JURISDICTIONS DO NOT ALLOW CERTAIN LIMITATIONS, SO SOME OF THE ABOVE MAY NOT APPLY TO YOU; IN THAT CASE OUR LIABILITY IS LIMITED TO THE FULLEST EXTENT PERMITTED.
You will defend, indemnify, and hold harmless HOA Shield LLC from claims, damages, and expenses (including reasonable attorneys' fees) arising from your violation of these Terms, your misuse of the Service, or your violation of any law or third-party right.
Please read carefully, this affects your rights. Except for small-claims matters and either party's right to seek injunctive relief for intellectual-property violations, any dispute arising out of these Terms or the Service will be resolved by binding individual arbitration administered by the American Arbitration Association under its Consumer Arbitration Rules, held in Essex County, New Jersey or conducted remotely. You and we each waive the right to a jury trial and to participate in any class, collective, or representative action. You may opt out of this arbitration provision by emailing contact@hoashieldapp.com within 30 days of first accepting these Terms. (Attorney: confirm enforceability and required conspicuousness under current NJ and federal law, including TCCWNA compliance.)
These Terms are governed by the laws of the State of New Jersey, without regard to conflict-of-law rules, and, where arbitration does not apply, the state and federal courts located in Essex County, New Jersey have exclusive jurisdiction.
We may suspend or terminate your access for violation of these Terms, suspected fraud or abuse, or discontinuation of the Service (with pro-rata refund of prepaid fees in the case of discontinuation). Sections 2, 5–13, and 15–16 survive termination.
We may modify the Service and these Terms. For material changes we will give notice (email or in-app) at least 15 days before they take effect; continued use after the effective date constitutes acceptance. If you do not agree, cancel before the change takes effect.
If any provision is held unenforceable, the remainder stays in effect. Our failure to enforce a provision is not a waiver. You may not assign these Terms; we may assign them in connection with a merger, acquisition, or sale of assets. These Terms and the Privacy Policy are the entire agreement between you and us regarding the Service. Notices to us go to contact@hoashieldapp.com; notices to you go to your account email.
HOA Shield is an information tool, not a lawyer. We summarize your community's recorded documents so they're easy to search and understand, but the recorded originals and amendments always control, summaries can contain errors or be out of date, and nothing here is legal advice or creates an attorney-client relationship. HOA Shield is not affiliated with your association or its management. Before acting on anything with legal or financial consequences, a fine, a notice, a sale, a renovation, verify with your association and consult a licensed attorney. By using HOA Shield you accept our full [Terms of Service].
© 2026 HOA Shield LLC · HOA Shield™ · Informational only, not legal advice; recorded documents control. Not affiliated with any association.