Terms of Service & Disclaimer

1. Acceptance of Terms

By accessing, registering for, or using FUNDPILOT HOA Reserve Modeler (the “Platform”), you confirm that you have read, understood, and agreed to be bound by these Terms of Service (the “Terms”) and our Privacy Policy, each of which is incorporated by reference. If you do not agree to all of the Terms, you must immediately cease use of the Platform.

You represent that you are at least 18 years old and have the legal capacity and authority to enter into these Terms. If you are accepting these Terms on behalf of an organization (such as an HOA board or property management company), you represent that you have the authority to bind that organization, in which case “you” refers to that organization.

2. Description of the Service

FUNDPILOT HOA Reserve Modeler is a software-as-a-service (SaaS) platform that helps HOA treasurers and board members model 30-year capital reserve cash flows. The Service includes:

• AI-assisted PDF extraction of reserve study line items.
• Financial modeling, scenario comparison, and percent-funded analysis.
• PDF, CSV, and Excel report generation.
• Member community hub, comments, and preset sharing.
• State-by-state reserve study compliance reference.
• A free demo experience that requires no account.

We may add, modify, or remove features at any time, with or without notice. We do not guarantee that any specific feature will be available indefinitely.

3. Account Registration & Security

To access most features you must register for an account. You agree to:

• Provide accurate, current, and complete information during registration and keep it updated.
• Maintain the security of your account, password, and any member access tokens you issue.
• Accept responsibility for all activities that occur under your account.
• Notify us immediately of any unauthorized use of your account.

We are not liable for any loss or damage arising from your failure to protect your account credentials. We reserve the right to suspend or terminate accounts that contain inaccurate information or that have been compromised.

4. Subscriptions, Billing & Refunds

Free tier A free tier is offered with limited features (1 lifetime PDF extraction, capped projection horizon, no member hub, no CSV export). Free-tier usage is provided as-is with no warranty.

Pro tier The Pro tier costs $99 USD per year and unlocks unlimited PDF extractions, the full 75-year projection horizon, member hub, CSV and Excel exports, and special assessment modeling. Pro is billed through Dodo Payments as merchant of record.

No trial period The customer is charged $99 immediately at checkout and receives instant Pro access. No free trial is offered.

Auto-renewal Pro subscriptions automatically renew for additional one-year terms at the then-current price unless you cancel before the renewal date. You may cancel at any time from your account settings or via the Dodo customer portal.

Access after cancellation If you cancel, you retain Pro access until the end of your current billing period. After that period ends, your account reverts to the free tier.

Refunds Except where required by law, fees are non-refundable. We may, at our sole discretion, issue prorated refunds for documented service outages exceeding seven (7) consecutive days or for material breach of these Terms by us. Refund requests must be submitted within thirty (30) days of the charge to .

Price changes We may change Pro pricing at any time. Price changes apply to subsequent renewal terms; your current term is honored at the price you paid.

Taxes Fees are exclusive of taxes. You are responsible for any applicable sales, use, value-added, or similar taxes, except for taxes on our net income.

Free Tier The Free tier is provided at our sole discretion as a limited promotional feature. By using the Free tier you expressly acknowledge and agree that:

• We may modify, suspend, or discontinue the Free tier (or any part of it) at any time, with or without notice, for any reason or no reason.
• We may reclaim, revoke, or terminate Free tier accounts at any time, with or without notice, including (without limitation) for inactivity, abuse, or changes to our business model.
• We may permanently delete Free tier data including but not limited to uploaded PDFs, extracted line items, financial models, settings, comments, presets, notifications, and account records at any time, with or without notice, and without obligation to provide a backup or export.
• Free tier users have no guarantee of data persistence, service availability, or continued access to any feature.
• We are not liable for any loss of data, service interruptions, feature removal, or discontinuation of the Free tier, even if such loss could have been foreseen.
• The Free tier is not a substitute for paid cloud storage, professional record retention, or a certified reserve study archive.

To preserve your data, upgrade to Pro or export your data regularly. We strongly recommend keeping an independent backup of any PDFs or data you upload to the Free tier.

5. AI Extraction & Output Disclaimer

The Service uses third-party artificial intelligence providers to extract reserve study line items from your uploaded PDFs. AI outputs may contain errors, omissions, misclassifications, hallucinations, or fabricated values. You acknowledge and agree that:

• The Service is provided as a productivity aid only. You are solely responsible for verifying every extracted item against the source document.
• We do not warrant the accuracy, completeness, or fitness for any particular purpose of any AI-generated output.
• Cost projections, percent-funded ratios, fully-funded balances, and recommended contribution amounts are mathematical estimates based on your inputs; they are not predictions, guarantees, or professional advice.
• You will not represent any Service output as a certified reserve study or as professional advice to third parties (homeowners, lenders, regulators, courts) without independent professional verification.

6. Acceptable Use

You agree not to:

• Upload content that you do not have the right to upload (including confidential information of third parties without authorization, copyrighted material, or trade secrets).
• Use the Service to violate any applicable law, regulation, or third-party right.
• Attempt to gain unauthorized access to the Service, other accounts, or computer systems or networks connected to the Service.
• Reverse engineer, decompile, or otherwise attempt to derive source code or underlying ideas of the Service.
• Use the Service to develop a competing product or to train any AI model.
• Resell, sublicense, or commercially exploit the Service without our written consent.
• Upload malicious code, viruses, or any content designed to disrupt or compromise the Service.
• Use the Service in any manner that could damage, disable, overburden, or impair our infrastructure.
• Misrepresent your identity or impersonate any person or entity.
• Scrape, crawl, or use automated means to access the Service except as permitted by our published robots.txt.
• Use the Service to harass, abuse, or harm another person.

We may investigate and suspend or terminate any account that we reasonably believe is engaged in any of these activities.

7. Intellectual Property

The Service, including its source code, design, branding, logos, trademarks, and content (excluding your uploaded documents and your data), is and will remain the exclusive property of FUNDPILOT HOA Reserve Modeler and its licensors. You retain 100% ownership of your uploaded documents and extracted data. You grant us a limited, non-exclusive license to host and process your uploaded documents solely to provide the Service to you.

You may not copy, modify, distribute, sell, or create derivative works of the Service except as expressly permitted by these Terms.

8. Service Availability & Modifications

We strive to keep the Service available, but we do not guarantee uninterrupted, timely, secure, or error-free operation. The Service may be unavailable from time to time due to maintenance, updates, outages, or causes beyond our reasonable control.

We reserve the right, at any time and from time to time, to modify, suspend, or discontinue the Service (or any part of it) with or without notice. We will not be liable to you or any third party for any modification, suspension, or discontinuation of the Service.

Force majeure We will not be liable for any failure or delay in performance under these Terms due to causes beyond our reasonable control, including acts of God, war, terrorism, riots, embargoes, pandemics, internet or telecommunications failures, power failures, labor disputes, governmental actions, or failures of third-party service providers (including Supabase, Cloudflare, Resend, Nvidia NIM, OpenRouter, Google Gemini, or Dodo Payments).

9. Disclaimer of Warranties

READ THIS SECTION CAREFULLY. IT LIMITS OUR LIABILITY AND EXCLUDES WARRANTIES TO THE MAXIMUM EXTENT PERMITTED BY LAW.

THE SERVICE IS PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS, WITHOUT ANY WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, OR COURSE OF DEALING OR PERFORMANCE.

WITHOUT LIMITING THE FOREGOING, WE MAKE NO WARRANTY THAT: (A) THE SERVICE WILL MEET YOUR REQUIREMENTS; (B) THE SERVICE WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE; (C) THE RESULTS OBTAINED FROM USE OF THE SERVICE WILL BE ACCURATE OR RELIABLE; (D) THE QUALITY OF ANY PRODUCTS, SERVICES, INFORMATION, OR OTHER MATERIAL OBTAINED THROUGH THE SERVICE WILL MEET YOUR EXPECTATIONS; OR (E) ANY ERRORS IN THE SERVICE WILL BE CORRECTED.

NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY YOU FROM US OR THROUGH THE SERVICE WILL CREATE ANY WARRANTY NOT EXPRESSLY STATED IN THESE TERMS.

10. Limitation of Liability

READ THIS SECTION CAREFULLY. IT LIMITS OUR LIABILITY TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, HOA RESERVE MODELER, ITS OPERATORS, DEVELOPERS, AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, AND SUPPLIERS SHALL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY, OR PUNITIVE DAMAGES (INCLUDING, WITHOUT LIMITATION, FINANCIAL DEFICITS, SPECIAL ASSESSMENT LOSSES, LOST PROFITS, LOST DATA, BUSINESS INTERRUPTION, PERSONAL INJURY, OR BOARD MEMBER OR HOMEOWNER LITIGATION) ARISING FROM OR IN CONNECTION WITH:

• Your use of, or inability to use, the Service
• Any inaccuracies, errors, or omissions in any content or output of the Service, including AI-extracted data and financial projections.
• Any decisions made or actions taken in reliance on the Service or its outputs.
• Any unauthorized access to or alteration of your transmissions or data.
• Any conduct of any third party on or through the Service.
• Any failure of the Service to be available, including outages, downtime, or data loss.
• Any matter beyond our reasonable control.

IN NO EVENT SHALL OUR TOTAL CUMULATIVE LIABILITY TO YOU FOR ALL CLAIMS ARISING FROM OR RELATED TO THE SERVICE EXCEED THE GREATER OF (A) FIFTY US DOLLARS ($50.00) OR (B) THE TOTAL AMOUNT YOU PAID TO US IN THE TWELVE (12) MONTHS IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO THE CLAIM.

THE LIMITATIONS IN THIS SECTION APPLY EVEN IF ANY LIMITED REMEDY FAILS OF ITS ESSENTIAL PURPOSE AND REGARDLESS OF WHETHER THE CLAIM IS BASED ON CONTRACT, TORT (INCLUDING NEGLIGENCE), STATUTE, OR ANY OTHER LEGAL THEORY.

11. Indemnification

You agree to defend, indemnify, and hold harmless FUNDPILOT HOA Reserve Modeler, its operators, officers, directors, employees, agents, affiliates, and suppliers from and against any claims, liabilities, damages, judgments, awards, losses, costs, or expenses (including reasonable attorneys’ fees) arising out of or relating to:

• Your violation of these Terms.
• Your use of the Service, including AI-extracted outputs and financial projections, in official HOA governance decisions.
• Any claim by a third party (including homeowners, board members, regulators, or contractors) arising from your reliance on or distribution of Service outputs.
• Your violation of any applicable law or regulation.
• Your infringement of any third-party right.

12. Termination

We may terminate or suspend your account and access to the Service at any time, with or without cause, with or without notice, including (without limitation) if we believe that you have breached these Terms. Upon termination:

• Your right to use the Service will immediately cease.
• We may delete your account data in accordance with our retention policies.
• Provisions of these Terms which by their nature should survive termination will survive (including ownership, warranty disclaimers, indemnity, and limitations of liability).

You may terminate your account at any time from your User Settings page.

13. Dispute Resolution & Arbitration

Informal resolution Before filing any formal dispute, you agree to contact us at and attempt to resolve the dispute informally. We will attempt to resolve the dispute by contacting you by email. If a dispute is not resolved within thirty (30) days of submission, you or we may pursue formal resolution.

Binding arbitration Any dispute arising out of or relating to these Terms or the Service that cannot be resolved informally shall be finally settled by binding arbitration administered by the American Arbitration Association (“AAA”) under its Commercial Arbitration Rules. Judgment on the award may be entered in any court of competent jurisdiction. The arbitration will be conducted in the English language in the jurisdiction where the Platform operator is located.

Class action waiver All arbitrations and court proceedings shall be conducted on an individual basis only. You and we each waive any right to participate in a class, consolidated, or representative action.

Exceptions Notwithstanding the foregoing, either party may seek injunctive or other equitable relief in any court of competent jurisdiction to protect its intellectual property or confidential information.

14. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the jurisdiction in which the Platform operator operates, without regard to its conflict of law principles. The United Nations Convention on Contracts for the International Sale of Goods does not apply to these Terms.

15. General Provisions

• Entire agreement These Terms, together with the Privacy Policy, constitute the entire agreement between you and us regarding the Service.
• Severability If any provision of these Terms is held to be invalid or unenforceable, that provision will be enforced to the maximum extent permissible and the remaining provisions will remain in full force and effect.
• No waiver Our failure to enforce any right or provision of these Terms will not be deemed a waiver of such right or provision.
• Assignment You may not assign or transfer these Terms without our prior written consent. We may assign these Terms without restriction.
• Notices We may provide notices to you via email, in-app notification, or by posting on the Service.
• Headings Section headings are for convenience only and have no legal effect.

16. Changes to These Terms

We may update these Terms from time to time. The “Last Updated” date at the top of this page indicates when the Terms were last revised. Material changes will be communicated through the Service or by email. Your continued use of the Service after a change constitutes acceptance of the updated Terms. If you do not agree to the updated Terms, you must stop using the Service and may close your account.

17. No Professional Relationship

Your use of the Service does not create any professional relationship between you and us. We are not acting as your attorney, accountant, reserve specialist, engineer, financial advisor, or fiduciary. Any communications between you and us are for customer support and service-related purposes only and do not constitute professional advice.

18. Contact

If you have any questions about these Terms, contact us at .