Terms of Service

1. Acceptance of Terms

By creating a ForgeHOA account or using the Service, you agree to these Terms of Service and to our Privacy Policy. If you do not agree, do not use the Service.

2. Accounts and Eligibility

You must be at least 18 years old and capable of forming a binding contract to use the Service. You are responsible for all activity under your account and for maintaining the confidentiality of your credentials. Notify us immediately of any unauthorized access.

3. Subscription and Billing

• Free tier: no credit card required; communities under 30 units.
• Paid tiers: billed in advance monthly or annually via Stripe.
• Tiers upgrade automatically when you exceed a cap (with your Community Admin's consent); downgrades take effect at the next billing cycle.
• All fees are non-refundable except where required by law or explicitly stated in writing.
• Applicable sales tax is added where required; tax-exempt certificates can be uploaded to remove it.

4. Customer Responsibilities and Acceptable Use

You agree to:

• Provide accurate, current information
• Use the Service in compliance with all applicable laws, including your HOA's governing documents and state HOA statutes
• Not upload content that is unlawful, defamatory, harassing, or infringes on third-party rights
• Not reverse-engineer, scrape, or misuse the AI features to produce content that would violate state or federal law (including Fair Housing)
• Respect the confidentiality of information you access as a board member, including resident financial records, open violation details, and executive-session minutes
• Follow our Acceptable Use Policy, which governs prohibited content and conduct on messaging, announcements, anonymous tips, ARC requests, document uploads, and all other user-generated-content surfaces
• Comply with our DMCA notice-and-takedown procedure when reporting or responding to copyright infringement claims

5. AI Features

ForgeHOA includes AI-powered tools (the "Forge" chatbot, response drafters, meeting summarizers, violation triage, fair-housing screen, collections-letter drafter, and others). AI output is provided "as-is," may contain inaccuracies or omissions, and is not a substitute for professional legal, accounting, tax, engineering, or property-management advice. The bot's per-page personas (Violations Assistant, Finance Assistant, Meetings Assistant, Compliance Assistant, Operations Assistant, Engagement Assistant) are workflow helpers, not credentialed professionals.

You are the responsible sender. For any communication, decision, filing, or record that ForgeHOA's AI helps draft, violation letters, ARC denials, board minutes, owner statements, lender questionnaires, fair-housing screens, collections correspondence, statutory inspection reports, tax forms, resale disclosures, you remain responsible for reviewing and approving the content before it is sent, signed, filed, or relied upon. The "AI-drafted, review before sending" notice that appears alongside AI output is a reminder of this responsibility, not a substitute for it.

AI-extracted rules from your governing documents (CC&Rs, bylaws) are best-effort interpretations. The governing document itself is always authoritative. Do not enforce a rule against an owner solely because ForgeHOA's extraction surfaced it.

We do not use your community's private data to train models that benefit other customers. AI requests may be processed by our model providers (currently Google for Gemini; Anthropic for Claude as features migrate). See the Subprocessor List for current details.

5a. Collections, Credit Reporting, and Lien Filing

ForgeHOA provides tools that help associations send collection correspondence, advance accounts through delinquency stages, file liens, and (where the association elects) report delinquencies to consumer reporting agencies. ForgeHOA is technology infrastructure; the association is the debt collector and, where applicable, the FCRA furnisher of record. The association is responsible for compliance with the Fair Debt Collection Practices Act (FDCPA), the Fair Credit Reporting Act (FCRA), state debt-collection statutes, state lien-filing procedures, and any applicable validation, dispute-response, and notice obligations. ForgeHOA does not adjudicate disputes between associations and owners and is not a party to the underlying debt.

5b. Payment Processing and Money Movement

ForgeHOA integrates third-party providers to facilitate payments (Stripe), ACH origination and bank-account linking (Plaid), check issuance (Lob), and where enabled, card issuance (Marqeta). Funds move through those providers, not through ForgeHOA. We are not a money transmitter, fiduciary, or trust-account custodian. State trust-account, escrow, and reserve-segregation obligations remain the association's responsibility. ForgeHOA does not warrant that any integrated provider's services are available, suitable, or compliant in every jurisdiction.

6. Intellectual Property

The Service, its look and feel, all features, and all software are owned by Impact Consulting AI and are protected by copyright, trademark, and other laws. You retain ownership of content you upload and grant us a limited license to host, display, and process it as needed to provide the Service.

7. Warranty Disclaimer

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED. WE DISCLAIM ALL IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

8. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, IN NO EVENT WILL IMPACT CONSULTING AI BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR FOR LOST PROFITS OR REVENUE, ARISING FROM OR RELATED TO THE SERVICE. OUR TOTAL LIABILITY IS CAPPED AT THE FEES YOU PAID US IN THE 12 MONTHS PRECEDING THE CLAIM.

9. Indemnification

You agree to indemnify and hold Impact Consulting AI harmless against any third-party claims arising from your use of the Service, your content, or your violation of these Terms.

10. Termination

Either party may terminate the Service at any time. Upon termination, your data is retained for 30 days (to allow export), then deleted or anonymized except where legal retention applies. We may suspend or terminate accounts that violate these Terms.

11. Governing Law

These Terms are governed by the laws of the State of Delaware, USA, excluding conflict-of-law principles. Any dispute will be resolved in the state or federal courts located in Delaware, and you consent to personal jurisdiction there.

12. Changes

We may modify these Terms with at least 30 days' notice for material changes. Continued use after the effective date constitutes acceptance.

13. Contact

For questions about these Terms, use the Contact form.