Terms of Service

1. Agreement to Terms

These Terms of Service (“Terms”) constitute a legally binding agreement between you and GoverningDocs Inc. (“Company,” “we,” “us,” or “our”) governing your access to and use of our website, applications, and services (collectively, the “Services”).

By accessing or using our Services, you agree to be bound by these Terms. If you do not agree to these Terms, you may not access or use the Services.

2. Description of Services

GoverningDocs provides AI-powered document analysis services for homeowners association (HOA), condominium, and strata documents. Our Services include document upload, automated analysis, report generation, and related features. The Services are designed to assist real estate professionals and homebuyers in reviewing and understanding HOA documentation.

3. Account Registration

To access certain features of our Services, you must create an account. You agree to:

• Provide accurate, current, and complete information
• Maintain and update your account information
• Keep your password secure and confidential
• Notify us immediately of any unauthorized access to your account
• Be responsible for all activities that occur under your account

3.5 Free Tools

Certain features of our Services, including our free CC&R and Reserve Study analysis tools, do not require account registration. When using these free tools:

• You are still bound by these Terms of Service
• Documents are processed using the same security standards (encryption in transit and at rest)
• You receive results via the email address you provide
• All provisions of these Terms apply, including the AI disclaimer (Section 6) and limitations of liability (Section 10)

4. Acceptable Use

You agree not to use the Services to:

• Violate any applicable laws or regulations
• Upload documents you do not have the right to share
• Infringe on the intellectual property rights of others
• Transmit malware, viruses, or other malicious code
• Attempt to gain unauthorized access to our systems
• Interfere with or disrupt the Services
• Use the Services for any fraudulent or deceptive purpose
• Reverse engineer or attempt to extract source code from the Services

5. User Content

5.1 Ownership

You retain ownership of all documents and content you upload to the Services (“User Content”). We do not claim ownership of your User Content.

5.2 License to Us

By uploading User Content, you grant us a limited, non-exclusive license to process, analyze, store, and display your User Content solely to provide the Services to you.

5.3 Your Responsibilities

You are solely responsible for ensuring you have the right to upload and share any documents with our Services. You represent that your User Content does not violate any third party's rights.

Note on HOA Documents: CC&Rs (Covenants, Conditions & Restrictions), HOA bylaws, reserve studies, and similar HOA documents are public records typically filed with county recorders and available through public records requests. These documents are routinely shared in real estate transactions and due diligence. By uploading such public documents, you are not violating any rights. However, you should not upload documents containing personal information of other individuals (such as owner rosters with contact information) without proper authorization.

6. AI-Generated Analysis

Our Services use artificial intelligence to analyze documents and generate reports. You acknowledge and agree that:

• AI-generated analysis is provided for informational purposes only
• AI analysis may contain errors or inaccuracies
• Our Services do not constitute legal, financial, or professional advice (see Section 6.5 for compliance-specific disclaimers)
• You should verify important findings with original documents and qualified professionals
• You are responsible for all decisions made based on our analysis

6.5 Compliance and Regulatory Analysis

Our Services may include automated analysis of building compliance, regulatory requirements, and legal obligations, including but not limited to Florida SB 4D compliance status, reserve funding requirements, and structural inspection mandates. You acknowledge and agree that:

• Not a Certification or Professional Opinion: Any compliance status, badge, or assessment displayed (such as “Compliant,” “Non-Compliant,” “Partially Compliant,” or similar designations) is an automated screening tool based on document analysis. It is NOT:
  • An official government certification or approval
  • A licensed professional engineer's (PE) opinion
  • A legal opinion from an attorney
  • A professional reserve specialist's (RS/PRA) determination
  • A substitute for professional due diligence
• AI Analysis Limitations: Our AI may misread dates, overlook requirements, misinterpret document language, or fail to account for:
  • Recent regulatory changes or amendments
  • Local jurisdiction-specific requirements (county, city, CDD rules)
  • Complex legal interpretations requiring licensed professional judgment
  • Building-specific conditions requiring physical inspection
  • Pending compliance deadlines or grace periods
• Mandatory Professional Verification: Before making ANY decisions based on compliance information—including purchase decisions, financing applications, price negotiations, or legal actions—you MUST independently verify our findings with qualified licensed professionals, including:
  • Licensed attorneys familiar with Florida condominium and HOA law
  • Licensed professional engineers (PE) registered in Florida
  • Certified reserve specialists (RS, PRA) with Florida experience
  • Licensed structural engineers for milestone inspection requirements
• Florida SB 4D Specific Disclaimer: Florida building compliance involves complex requirements under Florida Statutes §718.112 (Condominium Act), §553.899 (Milestone Inspections), §719.106 (Cooperative Act), SB 4-D (2022), HB 913 (2025), and related regulations. Our analysis:
  • Does NOT constitute a professional engineering assessment required by Florida law
  • Does NOT satisfy statutory requirements for licensed professional review
  • Cannot replace engineer or attorney review of SIRS, milestone, or reserve compliance
  • May not reflect the most current interpretations of Florida building safety laws
• Local Jurisdiction Variations: Compliance requirements may vary significantly by:
  • County (Miami-Dade and Broward have additional 40-year recertification rules)
  • Municipality (some cities require milestone inspections at 25 years instead of 30)
  • Community Development District (CDD) regulations
  • HOA/Condo association bylaws and amendments
  Our analysis does not account for all local variations or recent regulatory updates.
• Timing and Document Currency: Compliance status can change based on:
  • When documents were last updated (we analyze documents as uploaded)
  • Pending inspections or reports not yet finalized
  • Board actions taken after document dates
  • Regulatory deadline extensions or changes
  Our analysis reflects document content at the time of upload only.
• No Liability for Compliance Determinations: We are NOT liable for any damages, losses, or expenses resulting from reliance on compliance assessments, including but not limited to:
  • Special assessments discovered after purchase
  • Mortgage financing denial or complications
  • Property value impacts due to non-compliance
  • Legal disputes regarding compliance status
  • Costs of corrective actions or professional re-reviews
  • Any financial or legal consequences of purchasing non-compliant properties
  Your use of compliance information is entirely at your own risk.
• High-Stakes Decisions Require Professional Guidance: If compliance status could affect a decision involving significant financial stakes (property purchase, special assessment risk, financing eligibility), you must obtain independent professional review. The cost of professional review ($500-$2,000) is negligible compared to the financial risks involved ($50,000-$400,000+ in potential special assessments or financing issues).

7. Fees and Payment

Certain features of our Services may require payment. By purchasing a subscription or credits:

• You agree to pay all applicable fees as described at the time of purchase
• Fees are non-refundable except as required by law or stated in our refund policy
• We may change our fees with reasonable notice
• You authorize us to charge your payment method for all fees owed

8. Intellectual Property

The Services, including all software, features, designs, text, graphics, and other content (excluding User Content), are owned by GoverningDocs Inc. and protected by intellectual property laws. You may not copy, modify, distribute, or create derivative works based on our Services without our express written consent.

9. Disclaimer of Warranties

THE SERVICES ARE PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED.

We do not warrant that the Services will be uninterrupted, error-free, or secure, or that any defects will be corrected. We disclaim all warranties, including warranties of merchantability, fitness for a particular purpose, and non-infringement.

10. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, GOVERNINGDOCS INC. SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS OR REVENUES.

Our total liability for any claims arising from or related to these Terms or the Services shall not exceed the amount you paid to us in the twelve (12) months preceding the claim.

This limitation specifically includes, without limitation, any claims arising from errors, inaccuracies, or omissions in compliance, regulatory, or legal requirement assessments, including but not limited to Florida SB 4D compliance determinations, structural inspection requirements, or reserve funding obligations.

11. Indemnification

You agree to indemnify, defend, and hold harmless GoverningDocs Inc. and its officers, directors, employees, and agents from any claims, damages, losses, or expenses (including reasonable attorneys' fees) arising from your use of the Services, your User Content, or your violation of these Terms.

12. Termination

We may suspend or terminate your access to the Services at any time for any reason, including if we reasonably believe you have violated these Terms. You may terminate your account at any time through your account settings.

Upon termination, your right to use the Services will immediately cease. Sections that by their nature should survive termination will survive, including ownership, warranty disclaimers, indemnification, and limitations of liability.

13. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Delaware, without regard to its conflict of law provisions. Any disputes arising from these Terms shall be resolved in the state or federal courts located in Delaware.

14. Changes to Terms

We may modify these Terms at any time. We will notify you of material changes by posting the updated Terms on our website and updating the “Last updated” date. Your continued use of the Services after any changes constitutes your acceptance of the new Terms.

15. Miscellaneous

• Entire Agreement: These Terms constitute the entire agreement between you and GoverningDocs Inc. regarding the Services.
• Severability: If any provision is found unenforceable, the remaining provisions will remain in effect.
• Waiver: Our failure to enforce any right does not waive our ability to enforce it later.
• Assignment: You may not assign these Terms without our consent. We may assign these Terms at any time.