TERMS OF SERVICE HOA DOCTOR
These Terms of Service and User Agreement (“Terms”) govern access to and use of HOA Doctor®, including hoadoctor.com, HOA Doctor applications, community profiles, reviews, scores, subscriptions, sponsorships, artificial-intelligence features, communications, and other products, tools, content, or services offered by DOC Vault Inc., a Delaware corporation doing business as HOA Doctor® (“HOA Doctor,” “Company,” “we,” “our,” or “us”).
Collectively, these products and services are referred to as the “HOA Doctor Services.”
By accessing or using the HOA Doctor Services, creating an Account, submitting a review, purchasing a subscription, interacting with a sponsor, or otherwise using HOA Doctor, you agree to these Terms and our Privacy Policy. If you do not agree, do not use the HOA Doctor Services.
Important: This draft is intended for attorney review before publication, particularly the governing-law, arbitration, subscription-renewal, and liability provisions.
1. What HOA Doctor Is
HOA Doctor is a technology, information, review, verification, and community-intelligence platform focused on homeowners associations, condominium associations, planned communities, management companies, and related organizations and services.
HOA Doctor may provide verified homeowner reviews, Community Trust IndexTM scores, Board ScoresTM, PMC ScoresTM, community profiles, property and association information, management-company information, benchmarking,
governing-document information and analysis, reserve, maintenance, property-condition, insurance or other community information, artificial-intelligence tools, alerts, subscriptions and memberships, sponsor placements, homeowner
benefits, data products, educational materials, and other products or services introduced from time to time.
HOA Doctor is not a homeowners association, condominium association, property manager, law firm, accounting firm,reserve-study provider, engineering firm, insurance carrier, real estate brokerage, lender, or government agency unless
expressly stated otherwise for a particular service.
HOA Doctor does not exercise control over the operations of an Association, Board, Management Company, Sponsor, vendor, or homeowner.
2. Core Platform Principles
Verified Participation
HOA Doctor may require verification that a user has a legitimate relationship to a property or community before certain reviews, ratings, or other activity can affect HOA Doctor metrics.
Protected Identity
Where HOA Doctor designates a review or interaction as Protected Identity, the reviewer’s identity is not ordinarily displayed publicly or automatically disclosed to the Board, Management Company, Sponsor, or other rated party.
Protected Identity does not mean HOA Doctor itself cannot identify the reviewer.
Commercial Independence
Sponsorship, subscription status, advertising, payments, or other commercial relationships do not entitle any person or organization to control homeowner verification, review questions, legitimate homeowner responses, moderation
standards, or HOA Doctor scores.
Structured Measurement
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HOA Doctor may use structured questions, defined review periods, statistical methodologies, weighting, minimum sample sizes, confidence measures, benchmarks, algorithms, or other mechanisms to improve the usefulness and
reliability of information presented through the platform.
Continuous Improvement
HOA Doctor is an evolving platform. Methodologies, questions, scoring systems, datasets, verification methods, technology, and features may change as we learn from homeowners, boards, management companies, industry professionals, researchers, technology providers, and other participants.
3. Definitions
Account means a registered HOA Doctor user account.
Association means a homeowners association, condominium association, cooperative, master association,planned-community association, or similar residential community organization.
Board means the governing board or similar governing body of an Association.
Community means a residential community associated with an Association or similar organization.
Homeowner means a person who owns, resides at, or otherwise has an eligible relationship to residential property within a Community, as determined by HOA Doctor.
Management Company or PMC means a professional entity providing community association management or related
services.
Protected Identity means an HOA Doctor feature intended to protect the public disclosure of a verified user’s identity,subject to these Terms and applicable law.
Review means a rating, structured response, survey answer, comment, evaluation, or other user-submitted assessment.
Sponsor means a business or other organization that purchases sponsorship placement, visibility, or related commercial opportunities through HOA Doctor.
Subscription means a paid membership, service tier, product, or other recurring or non-recurring paid offering.
User Content means reviews, responses, comments, documents, photographs, communications, feedback, or other content submitted by a user.
User means any person or entity accessing or using HOA Doctor.
4. Eligibility
You must be at least eighteen years old and legally capable of entering into a binding agreement to create an Account unless HOA Doctor expressly permits otherwise.
By creating an Account or using paid HOA Doctor Services, you represent that you have legal capacity to agree to these Terms, the information you provide is accurate, you are not prohibited by applicable law from using the HOA Doctor Services, and if you are acting for an organization, you have authority to bind that organization where applicable.
HOA Doctor may refuse, suspend, or terminate access where we reasonably believe eligibility requirements have not been satisfied.
5. Accounts
Some features require an Account. You agree to provide accurate and reasonably current information and are
responsible for maintaining the confidentiality of your login credentials and for activity occurring through your Account.
You must promptly notify HOA Doctor if you believe your Account has been compromised.
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• You may not create an Account using another person’s identity without authorization.
• You may not impersonate another person or organization.
• You may not create multiple Accounts to manipulate reviews or scores.
• You may not sell or transfer an Account without authorization.
• You may not use an Account to circumvent platform restrictions.
6. Homeowner and Property Verification
HOA Doctor may use public records, property records, licensed data providers, email verification, one-time passwords, title information, association information, user-provided documentation, or other lawful methods to determine whether a
person has an eligible relationship to a Community.
Verification does not constitute a legal determination of ownership or residency. Third-party data may contain errors, delays, omissions, or conflicting information.
HOA Doctor may approve, deny, request more information for, revoke, or repeat verification, and may change verification methods as the platform evolves.
Verification is intended to improve platform integrity but does not guarantee that every user or underlying record is error-free.
7. Verified Reviews
HOA Doctor allows eligible users to submit Reviews relating to Boards, Associations, Management Companies, Communities, or other organizations or services supported by the platform.
Reviews should reflect the user’s genuine experience or good-faith opinion. Users may not submit Review content they know to be materially false.
A negative Review is not prohibited merely because a Board, Association, Management Company, or Sponsor disagrees with it. Likewise, a positive Review is not guaranteed publication merely because an organization requests it.
HOA Doctor applies materially consistent moderation standards to positive and negative reviews and does not subject negative reviews to heightened scrutiny merely because they are negative.
• Users may not fabricate experiences or impersonate another homeowner.
• Users may not coordinate fake reviews or manipulate scores.
• Users may not submit reviews for compensation unless expressly authorized, compliant with law, and appropriately disclosed.
• Users may not threaten another person with a review or extort money or other value.
• Users may not repeatedly target an organization through duplicate Accounts.
• Users may not engage in harassment, publish unlawful threats, or disclose protected personal information.
• Users may not intentionally misrepresent material facts or otherwise undermine platform integrity.
8. Six-Month Review Periods
HOA Doctor may limit the frequency with which eligible homeowners can review a Board, Association, Management Company, or other rated entity.
HOA Doctor currently uses six-month review periods for certain homeowner reviews.
The review-frequency limitation is one safeguard intended to reduce repeated scoring arising from a single dispute, enforcement action, special assessment, election, violation notice, or other isolated event and to encourage evaluation
over a meaningful period of time.
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HOA Doctor may modify review frequency, eligibility periods, question sets, timing, scoring methodology, or related
review rules as the platform and methodology evolve. Changes will apply prospectively as determined by HOA Doctor.
9. Fair Participation and Anti-Manipulation
HOA Doctor encourages broad, representative participation by eligible homeowners.
Boards, Management Companies, Sponsors, Realtors®, vendors, and other parties may distribute HOA Doctor review links and encourage eligible homeowners to participate.
Anyone may encourage participation. Nobody may buy the outcome.
• No party may condition a payment, credit, discount, gift, benefit, or other consideration on a particular review score,sentiment, or outcome.
• No party may selectively invite only homeowners believed likely to submit favorable reviews while intentionally excluding homeowners believed likely to submit unfavorable reviews where the purpose is to manipulate HOA
Doctor scores.
• No party may suppress, discourage, or retaliate against legitimate negative participation.
• No party may create, purchase, coordinate, or submit fake reviews.
• No party may use multiple Accounts, false identities, automation, or other means to distort participation or scores.
• Where an incentive for participation is permitted, it must not be conditioned on positive sentiment and must comply with applicable disclosure requirements.
10. Review Methodology and Scores
HOA Doctor may publish scores including the Community Trust IndexTM, Board ScoreTM, PMC ScoreTM, or other scores, benchmarks, measurements, or indicators.
These scores may incorporate structured homeowner responses and may, over time, incorporate additional objective or third-party information, including reserve information, maintenance data, physical-condition information, governing-document information, financial information, insurance-related information, compliance information, property information, benchmarking information, or other relevant datasets.
HOA Doctor may change the components, weights, algorithms, questions, methodologies, minimum sample sizes, confidence measures, display rules, or interpretation of scores.
Scores reflect the data and methodology available to HOA Doctor at the time and may change as participation, underlying data, or methodology changes.
Unless expressly stated otherwise, current HOA Doctor trust and experience scores should not be interpreted as comprehensive measurements of reserve adequacy, structural condition, insurance adequacy, engineering condition, or climate risk.
A score is an informational indicator generated under HOA Doctor’s methodology. It is not a guarantee, certification, audit opinion, appraisal, legal opinion, reserve study, engineering report, insurance opinion, investment recommendation, or representation regarding future performance.
Users should consider HOA Doctor information as one source among multiple sources when making significant financial, legal, real estate, or community decisions.
11. Protected Identity
Where a Review is designated as Protected Identity, the reviewer’s name is not ordinarily displayed publicly, the reviewer’s identity is not automatically provided to the rated Board or Management Company, and sponsorship or subscription status does not grant access to the reviewer’s identity.
HOA Doctor may nevertheless retain identifying and verification information internally.
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HOA Doctor may access or disclose identifying information when reasonably necessary to prevent fraud, enforce these
Terms, investigate manipulation, address safety concerns, comply with valid legal process, protect legal rights, resolve
technical or verification issues, or otherwise comply with applicable law.
Protected Identity is identity protection, not a promise of absolute or legally privileged anonymity.
12. Review Moderation
HOA Doctor may moderate, review, flag, restrict, remove, or decline to publish User Content where we reasonably believe it violates these Terms, contains prohibited personal information, targets an individual rather than an organization, contains credible threats, constitutes spam, is fraudulent, is duplicative, appears manipulated, is unrelated to the reviewed entity, violates applicable law, or materially undermines platform integrity.
HOA Doctor may use automated systems, artificial intelligence, human reviewers, or combinations of these methods to assist moderation.
Automated tools may assist with detection and classification, but HOA Doctor may use human review for material or disputed moderation decisions where reasonably appropriate.
HOA Doctor does not guarantee that every inappropriate item will be identified or removed.
13. No Right to Purchase, Suppress, or Alter Scores
No Board, Association, Management Company, Sponsor, advertiser, subscriber, Realtor®, vendor, or other commercial participant may purchase a favorable Review, favorable score, removal of a legitimate negative Review solely because
it is negative, alteration of homeowner responses, preferential scoring treatment, or a different verification standard.
Payment to HOA Doctor does not buy control over ratings.
14. Sponsorships and Sponsor Identification
HOA Doctor may sell sponsorships or other commercial placements.
Sponsors may receive placement on Community pages, branding, visibility, promotional opportunities, geographic exclusivity where offered, calls to action, sponsor pages, user-initiated inquiries, aggregate performance information, or
other benefits described in a sponsorship agreement.
Sponsors do not own Community pages merely because they sponsor them, and they do not own HOA Doctor Reviews or scores.
Sponsors may not represent that HOA Doctor endorses them unless expressly authorized.
HOA Doctor may label paid commercial placements as “Sponsor,” “Sponsored,” or similar language so users can distinguish commercial placement from independent platform scoring.
A sponsor’s commercial relationship with HOA Doctor does not provide authority to influence the substance of independent homeowner feedback.
15. Sponsor Leads and User-Initiated Contact
HOA Doctor may allow users to contact Sponsors, Realtors®, vendors, insurers, lenders, home-service companies, or other businesses.
When a user affirmatively requests contact or otherwise initiates a business interaction, HOA Doctor may provide information reasonably necessary to facilitate that request.
Merely browsing HOA Doctor, submitting a Review, or living within a sponsored Community does not by itself authorize a Sponsor to receive protected homeowner identity information.
The Privacy Policy governs collection and disclosure of Personal Information.
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16. Subscriptions and Memberships
HOA Doctor may offer free and paid Accounts, memberships, subscriptions, or premium services. Features, pricing, billing periods, and benefits may vary.
Before purchase, HOA Doctor will identify material terms of the applicable paid product.
Unless otherwise stated, prices are stated in U.S. dollars, applicable taxes may be added, subscriptions may automatically renew where clearly disclosed and permitted by law, users are responsible for maintaining a valid payment method, and access to paid features may be suspended for failed payment.
Additional subscription-specific terms may apply and will be presented at purchase.
17. Automatic Renewal
Where HOA Doctor offers automatically renewing subscriptions, we will disclose the recurring nature of the subscription before purchase as required by applicable law.
Unless cancelled according to the applicable subscription terms, the subscription may renew at the disclosed interval and the payment method on file may be charged.
Users may cancel through the functionality made available by HOA Doctor or as otherwise described at purchase.
Cancellation generally stops future renewal and does not automatically require a refund for a period already purchased, except where required by law or expressly stated otherwise.
18. Refunds
Refund rights, if any, depend on the specific product, sponsorship, subscription, or service purchased.
Any specific refund policy disclosed at the time of purchase will govern that transaction. Nothing in these Terms limits rights that cannot legally be waived.
19. Payment Processing
HOA Doctor may use third-party payment processors, including Stripe or other providers. Payment processors may require you to accept their own terms and privacy policies.
You authorize HOA Doctor and its payment providers to process transactions you initiate and to exchange information reasonably necessary to complete those transactions.
20. Taxes
You are responsible for taxes associated with your purchases or transactions except taxes imposed directly on HOA Doctor’s income or where HOA Doctor is legally responsible for collection. HOA Doctor may collect or remit taxes where
required.
21. Information Provided by Boards and Management Companies
Boards, Associations, and Management Companies may be able to claim or manage profiles, provide information, correct information, communicate strengths or weaknesses, respond to Reviews, provide documents, provide factual context, submit updated information, or participate in other platform features.
Providing information does not give an entity ownership or editorial control over independent homeowner feedback.
HOA Doctor may display both user-generated information and organization-provided information with appropriate labeling.
22. Right of Response and Correction
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HOA Doctor may provide Boards, Associations, Management Companies, Sponsors, or other rated organizations with opportunities to respond to Reviews, scores, trends, or other platform information.
HOA Doctor may also provide a process for rated entities to identify alleged factual errors or provide context without disclosing the reviewer’s Protected Identity.
A response may not reveal or attempt to reveal a Protected Identity, retaliate against a reviewer, threaten a homeowner, disclose confidential personal information, knowingly include false information, or otherwise violate applicable law.
HOA Doctor may moderate organizational responses.
23. User Content Ownership and License
You retain ownership of User Content you create, subject to the license below.
By submitting User Content to HOA Doctor, you grant HOA Doctor a worldwide, non-exclusive, royalty-free license to host, store, reproduce, format, adapt for technical purposes, analyze, moderate, display, distribute, and otherwise use
the User Content as reasonably necessary to operate HOA Doctor, display Reviews, calculate scores, create community-level analysis, improve platform functionality, enforce platform rules, create aggregated or de-identified insights, and provide the services contemplated by these Terms.
HOA Doctor may promote HOA Doctor using de-identified excerpts, aggregated findings, screenshots, or platform displays in a manner consistent with Protected Identity and applicable law.
This license lasts for as long as reasonably necessary to operate the HOA Doctor Services, maintain the historical integrity of scores and Reviews, comply with legal requirements, or exercise legitimate business rights.
HOA Doctor does not claim ownership of your underlying User Content merely because you submitted it, and this license does not give HOA Doctor unlimited rights to publicly identify a Protected Identity reviewer.
24. Feedback About HOA Doctor
If you voluntarily provide suggestions, ideas, recommendations, feature requests, or other feedback about HOA Doctor, you permit HOA Doctor to use that feedback without compensation or restriction. This does not include ownership of
your Personal Information.
25. Intellectual Property
HOA Doctor and its licensors own the HOA Doctor Services and associated intellectual property, including HOA Doctor®, Community Trust IndexTM, CTITM, Board ScoreTM, PMC ScoreTM, Verified Voices. Protected Identities.TM,
software, algorithms, scoring systems, methodologies, designs, databases, graphics, written content, reports, interfaces, trademarks, trade dress, copyrighted materials, and proprietary technologies.
Except as expressly permitted, you may not reproduce, modify, reverse engineer, scrape, resell, sublicense, or commercially exploit HOA Doctor intellectual property.
26. Permitted Use
HOA Doctor grants users a limited, revocable, non-exclusive, non-transferable right to access the HOA Doctor Services for lawful personal or authorized business purposes consistent with these Terms. No other rights are granted.
27. Prohibited Conduct
You may not use HOA Doctor to violate applicable law, impersonate another person, manipulate Reviews or scores, create fake Accounts, interfere with verification, scrape protected information without authorization, harvest Personal
Information, reverse engineer the platform, introduce malware, interfere with platform availability, attack infrastructure, use bots to manipulate activity, circumvent access controls, engage in fraud, harass or threaten users, publish unlawful content, misuse protected identity information, identify or retaliate against a protected reviewer, commercially exploit HOA Doctor data without authorization, create a substantially competing dataset through unauthorized extraction, or
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facilitate violations by another party.
28. Scraping and Automated Access
Automated scraping, crawling, extraction, or bulk copying of HOA Doctor data is prohibited except where expressly authorized in writing, through an approved API, through functionality designed for that purpose, or by ordinary public
search-engine indexing permitted by HOA Doctor.
HOA Doctor may impose technical and legal measures to prevent unauthorized automated access.
29. Third-Party Data
HOA Doctor may incorporate information from public records, property databases, government records, licensed commercial databases, Management Companies, Associations, reserve providers, insurance-related sources, technology partners, mapping services, real estate information, or other third parties.
Third-party information may be incomplete, inaccurate, delayed, or outdated. HOA Doctor does not warrant the accuracy of every third-party data element.
Where practical, HOA Doctor may provide mechanisms for correcting or updating information.
30. Artificial Intelligence
HOA Doctor may use artificial intelligence and automated technologies for governing-document analysis, search, summarization, classification, moderation assistance, data normalization, property and Community information, benchmarking, recommendations, customer assistance, analytics, and other features.
AI-generated information may contain errors or omissions. Users should independently verify information before relying on it for significant legal, financial, insurance, governance, real estate, or safety decisions.
HOA Doctor does not represent AI-generated content as professional legal, accounting, engineering, reserve,insurance, or investment advice.
31. Governing Documents and Covenant Information
HOA Doctor may provide governing documents, summaries, AI-assisted interpretations, searchable information, or other tools involving declarations, CC&Rs;, bylaws, rules, policies, or similar documents.
Such tools are provided for informational convenience. The actual governing documents and applicable law control.
Users should consult the official recorded documents and qualified professionals when legal interpretation is important.
HOA Doctor is not a law firm and does not provide legal advice.
32. Reserve, Maintenance, Property Condition, Insurance, and Risk Information
HOA Doctor may display or integrate information relating to reserves, maintenance, preventive maintenance, property condition, capital planning, insurance, climate, risk, physical infrastructure, or other factors.
Such information may come from third-party providers or future HOA Doctor functionality.
Unless expressly stated otherwise, HOA Doctor does not independently certify that information as an engineering, actuarial, insurance, reserve, inspection, or professional opinion.
33. Real Estate Information
HOA Doctor may provide Community information that may assist homeowners, prospective buyers, sellers, Realtors®, brokers, or other real-estate professionals.
HOA Doctor does not guarantee that a Community is suitable for a particular person or lifestyle. HOA Doctor information should not replace independent due diligence.
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34. Sponsors and Third-Party Businesses
Sponsors, vendors, Realtors®, lenders, insurers, benefits providers, home-service providers, and other third parties are independent businesses unless expressly stated otherwise.
HOA Doctor does not guarantee availability, quality, licensing, pricing, suitability, performance, regulatory compliance, or outcomes associated with third-party businesses. Users should perform their own due diligence.
35. No Professional Advice
Information provided through HOA Doctor is generally informational.
Unless expressly agreed in a separate written contract, HOA Doctor does not provide legal, tax, accounting, engineering, reserve-study, insurance, investment, fiduciary, appraisal, or professional property-management advice or services.
36. Accuracy and Availability
HOA Doctor works to provide useful information but cannot guarantee that all content is complete, current, accurate, or error-free.
Communities, Boards, Management Companies, reserve conditions, governing documents, insurance, user sentiment, and public records change over time.
The HOA Doctor Services may also be temporarily unavailable due to maintenance, security issues, technical failures, third-party services, or circumstances outside our control.
37. Platform Changes and V1/Beta Features
HOA Doctor may add, change, test, suspend, or discontinue features.
Because HOA Doctor is developing an evolving measurement system, certain products may initially be offered as prototypes, pilots, beta features, V1 features, previews, or similar developmental versions.
A V1, beta, pilot, experimental, or preview designation means the feature may materially evolve and should not be interpreted as a final or comprehensive representation of all factors relevant to a Community or Management Company.
38. Community and Management Company Participation Is Not Required
A Community, Board, or Management Company may appear on HOA Doctor even if it has not purchased a subscription or established an Account, where lawful and appropriate.
Publicly available information and verified homeowner feedback may be displayed independently of commercial participation.
Purchasing a subscription does not create control over independent Reviews.
39. Disputes About Reviews or Data
If you believe HOA Doctor contains materially inaccurate information about you or your organization, you may contact HOA Doctor through the available dispute, correction, or support process.
HOA Doctor may request supporting documentation. Submitting a dispute does not guarantee removal.
HOA Doctor may correct factual errors, request additional information, label disputed information, remove content, preserve content, seek human moderation review, or take other reasonable action.
Differences of opinion do not necessarily constitute factual inaccuracies.
40. Retaliation Against Reviewers
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Users, Boards, Associations, Management Companies, Sponsors, or other parties may not use HOA Doctor to threaten or retaliate against an individual solely for submitting a lawful Review.
Attempts to uncover a Protected Identity through harassment, coercion, hacking, impersonation, or other improper means are prohibited.
Nothing in this provision prevents a party from exercising lawful rights through valid legal process.
41. Communications
By creating an Account, you agree that HOA Doctor may send communications reasonably related to verification, security, Account administration, Reviews, Community activity, transactions, subscriptions, platform changes, legal
notices, or requested services.
Marketing communications are governed by applicable law and the Privacy Policy.
42. Privacy
Your use of HOA Doctor is subject to the HOA Doctor Privacy Policy.
If these Terms conflict with the Privacy Policy regarding HOA Doctor’s handling of Personal Information, the Privacy Policy controls with respect to privacy practices unless applicable law requires otherwise.
43. Copyright Complaints
HOA Doctor respects intellectual-property rights. A person who believes copyrighted material has been unlawfully posted through HOA Doctor may submit a compliant notice identifying the copyrighted work, the allegedly infringing
material, contact information, a good-faith statement, a statement under penalty of perjury regarding authority, and an appropriate signature.
HOA Doctor may remove or restrict allegedly infringing material and may terminate repeat infringers where appropriate.
44. Termination and Suspension
HOA Doctor may suspend, restrict, or terminate access where reasonably necessary because of material violations of these Terms, fraud, review manipulation, security threats, unlawful behavior, nonpayment, abuse, impersonation,harassment, unauthorized data extraction, or other conduct that materially threatens HOA Doctor or its users.
Where reasonable, HOA Doctor may provide notice or an opportunity to cure. Immediate action may be taken where reasonably necessary for security, fraud prevention, legal compliance, or protection of users.
Termination does not necessarily require HOA Doctor to delete historical Reviews or de-identified data where retention is lawful and reasonably necessary for platform integrity.
45. Disclaimer of Warranties
TO THE MAXIMUM EXTENT PERMITTED BY LAW, HOA DOCTOR SERVICES ARE PROVIDED “AS IS” AND “AS AVAILABLE.”
HOA Doctor disclaims warranties, express or implied, including warranties of merchantability, fitness for a particular purpose, title, non-infringement, accuracy, and uninterrupted availability.
HOA Doctor does not warrant that all information will be accurate, all users will act honestly, every Review will be objectively correct, every Community or Management Company will be properly identified, all third-party data will be current, scores will predict future performance, the platform will be error-free, or the services will always be available.
Some jurisdictions do not permit certain warranty exclusions, so portions of this section may not apply to you.
46. Limitation of Liability
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TO THE MAXIMUM EXTENT PERMITTED BY LAW, HOA DOCTOR, DOC VAULT INC., AND THEIR DIRECTORS, OFFICERS, EMPLOYEES, CONTRACTORS, AFFILIATES, AND AGENTS WILL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES ARISING OUT OF OR
RELATED TO HOA DOCTOR SERVICES.
This includes, where permitted, lost profits, lost revenue, loss of goodwill, loss of data, business interruption, diminution of property value, lost business opportunity, or damages arising from reliance on User Content or third-party information.
To the maximum extent permitted by law, HOA Doctor’s aggregate liability arising from the HOA Doctor Services will not exceed the greater of (A) the amount you paid HOA Doctor during the twelve months before the event giving rise to liability or (B) $100.
This limitation does not apply where applicable law prohibits such limitation.
47. Indemnification
To the extent permitted by law, you agree to defend, indemnify, and hold harmless DOC Vault Inc., HOA Doctor, and their directors, officers, employees, contractors, affiliates, and agents from third-party claims arising from your unlawful use of HOA Doctor, your User Content, your material breach of these Terms, your infringement of another person’s rights, fraud or intentional misconduct, your business dealings initiated through HOA Doctor, or your violation of applicable law.
This provision will be applied consistent with applicable consumer-protection law.
48. Governing Law
Attorney review required before publication. The final governing-law provision should reflect DOC Vault Inc.’s corporate structure, principal operations, applicable consumer-protection requirements, and counsel’s recommended forum.
49. Dispute Resolution and Arbitration
Attorney review required before publication. If HOA Doctor uses binding arbitration, the final provision should clearly address informal dispute resolution, arbitration administrator and rules, venue or remote hearings, filing fees, small-claims exceptions, class-action waiver, opt-out rights where appropriate, mass-arbitration procedures if desired, injunctive relief, consumer rights, and legally required disclosures.
50. Changes to These Terms
HOA Doctor may update these Terms as its products, technology, methodologies, business model, or legal obligations evolve.
If a change is material, HOA Doctor may provide additional notice where required or reasonably appropriate.
The updated Terms will state their effective date. Your continued use after an updated version becomes effective constitutes acceptance where permitted by law. If applicable law requires affirmative consent to a change, HOA Doctor will seek that consent.
51. Assignment
You may not assign these Terms without HOA Doctor’s written consent.
HOA Doctor may assign these Terms in connection with a merger, acquisition, financing, reorganization, sale of assets, corporate restructuring, or transfer of the HOA Doctor business, subject to applicable law.
52. Severability
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If any provision of these Terms is determined to be invalid or unenforceable, the remaining provisions will continue in effect to the maximum extent permitted by law.
53. Waiver
Failure by HOA Doctor to enforce a provision does not constitute a waiver of that provision or any other right.
54. Entire Agreement
These Terms, together with the Privacy Policy and any applicable product-specific, subscription, sponsorship, or other written agreements, constitute the agreement governing use of HOA Doctor Services.
Where a separately executed written agreement expressly conflicts with these Terms, the separately executed agreement controls for the subject matter of that agreement.
55. No Third-Party Beneficiaries
Except where expressly stated, these Terms do not create rights for third parties.
56. Contact
Questions regarding these Terms may be directed through HOA Doctor’s website or sent to:
DOC Vault Inc.
HOA Doctor®
ATTN: LEGAL
3129 E Camelback Rd #413
Phoenix, AZ 85016
Core Operating Commitments
1. Verified people: Reviews affecting HOA Doctor scores come from users who satisfy applicable verification requirements.
2. Protected identities: Protected Identity shields the reviewer from ordinary public or sponsor disclosure while allowing HOA Doctor to preserve verification and platform integrity.
3. Commercial independence: Sponsorship, subscriptions, advertising, or payment cannot purchase influence over verification, legitimate review responses, moderation standards, or HOA Doctor scores.
4. Fair participation: Broad participation is encouraged; selective or compensated manipulation of sentiment is prohibited.
5. Evolving methodology: Current trust and experience scores are one layer of evidence and are not represented as comprehensive physical, reserve, insurance, engineering, or climate-risk assessments unless expressly stated.
These Terms were last revised on August 30, 2026.
