Terms of Service

Effective: September 27, 2026 · Version: 1.0

These Terms of Service (“Terms”) govern access to and use of HOA Nook, including app.hoanook.com and hoanook.com (the “Service”), provided by CDS, LLC, a Delaware limited liability company (“HOA Nook”, “we”, “us”). By creating an account or using the Service, you agree to these Terms and to our Privacy Policy. If you do not agree, do not use the Service.

1. Who the customer is

HOA Nook is used by homeowners associations (“Associations”). The Association is the customer. Individuals such as board members use the Service on the Association’s behalf (“Users”).

By setting up an Association, inviting Users, connecting a bank or subscribing, you confirm that you are authorized by the Association to do so and to accept these Terms on its behalf. Each User is responsible for keeping their sign-in credentials secure, using two-factor authentication where required, and for activity under their account. Tell us promptly at [email protected] if you suspect unauthorized access.

2. What HOA Nook is — and is not

HOA Nook is back-office software for self-managed Associations: owner records, dues tracking, read-only bank feeds and reconciliation, vendor bills and approvals, printed mail and email notices, documents, meetings and reports.

• Not a bank or money transmitter. HOA Nook never holds, moves or has custody of Association funds. Bank connections are read-only. Payments are made by the Association through its own bank.
• Not legal, accounting or tax advice. HOA Nook records what the board decides. It does not determine whether a notice, mailing method, approval, budget or process satisfies an Association’s governing documents or any law. The Association is responsible for its own compliance and should consult its attorney or accountant as needed.
• Not a substitute for the Association’s records obligations unless the Association chooses to use it that way; the Association remains responsible for keeping the records it is required to keep.

3. The Association’s data

• You own your data. As between the Association and HOA Nook, the Association owns all records, documents and information it or its Users put into the Service (“Association Data”).
• Our permission to use it. The Association grants HOA Nook a limited license to host, process, transmit and display Association Data only to provide, secure and support the Service and as described in the Privacy Policy. We do not sell Association Data or use it for advertising.
• Your responsibilities. The Association is responsible for the accuracy of Association Data and for having the right to provide it — including personal information about homeowners, tenants and contacts — and for giving any notices or obtaining any consents required to do so.
• Export and deletion. The Association may export its data at any time. After an account is closed, we will provide an export on request and delete Association Data within 90 days, except where we must retain it by law (see the Privacy Policy).

4. Third-party services

Parts of the Service rely on third-party providers, including Plaid (bank connections), Lob (printing and mailing), Postmark (email), Stripe (billing), and our hosting and security providers. When you use those features, you also agree to the provider’s applicable terms — for bank connections, the Plaid End User Privacy Policy (https://plaid.com/legal/#end-user-privacy-policy). We are not responsible for outages, delays or errors caused by third-party services, banks, or postal carriers (including USPS delivery times and tracking accuracy).

5. Fees and payment

• Subscription. The Service is billed monthly by the number of homes in the Association (for example, 0–25, 26–50, 51–100 or 101–150 homes), as shown when you subscribe. Every plan includes all core features.
• Usage fees. Printed mail, postage, Certified Mail, return receipts and any other physical fulfillment are billed based on actual use at the rates shown in the Service before you send.
• Billing. Fees are charged to the payment method on file through Stripe, are due in advance for each billing period, and are non-refundable except where required by law. Prices exclude taxes, which the Association is responsible for.
• Changes. We may change prices with at least 30 days’ notice; changes apply from the next billing period. If fees are unpaid, we may suspend access after notice.

6. Acceptable use

You agree not to: use the Service unlawfully or to harass, defraud or spam anyone; upload content you do not have the right to share; send mail or email that violates law (including anti-spam and debt-collection laws that may apply to your notices); attempt to access another Association’s data or bypass security controls; probe, scan or test the Service’s vulnerabilities without our written permission; interfere with the Service’s operation; or reverse engineer or resell the Service.

You are responsible for the content of the notices, letters and emails you send through the Service.

7. Support access

To help with setup or a reported issue, HOA Nook staff may access an Association’s account. That access requires multi-factor authentication, is time-limited, and is recorded in the Association’s audit log.

8. Changes to the Service and these Terms

We continually improve the Service and may add, change or remove features. We may update these Terms; for material changes we will notify account holders by email or in the Service at least 30 days before they take effect. Continued use after the effective date means you accept the updated Terms.

9. Term, suspension and termination

These Terms apply while you use the Service. The Association may cancel at any time; cancellation takes effect at the end of the current billing period. We may suspend or terminate access for material breach of these Terms, non-payment, or to protect the Service or others, with notice where reasonably possible. Sections 3 (export and deletion), 5 (amounts owed), 10, 11, 12 and 13 survive termination.

10. Disclaimers

The Service is provided “as is” and “as available.” To the fullest extent permitted by law, HOA Nook disclaims all warranties, express or implied, including warranties of merchantability, fitness for a particular purpose and non-infringement. We do not warrant that the Service will be uninterrupted or error-free, that bank data received from third parties is complete or accurate, or that any mailing will be delivered by a particular date. The Association is responsible for reviewing its financial records and reconciliations.

11. Limitation of liability

To the fullest extent permitted by law: (a) HOA Nook will not be liable for any indirect, incidental, special, consequential or punitive damages, or for lost profits, revenues, data or goodwill; and (b) HOA Nook’s total liability arising out of or relating to the Service or these Terms will not exceed the amounts the Association paid to HOA Nook in the 12 months before the event giving rise to the claim. These limits apply to all theories of liability and even if we were advised of the possibility of such damages.

12. Indemnity

The Association will defend and indemnify HOA Nook against third-party claims arising from Association Data, the content of notices and communications the Association sends through the Service, or the Association’s violation of these Terms or applicable law.

13. Governing law and disputes

These Terms are governed by the laws of the State of Delaware, without regard to its conflict-of-laws rules. The state and federal courts located in Delaware have exclusive jurisdiction over any dispute arising out of or relating to these Terms or the Service, and each party consents to that jurisdiction. Before filing a claim, each party agrees to try in good faith to resolve the dispute informally for at least 30 days after written notice.

14. General

These Terms and the Privacy Policy are the entire agreement between the Association and HOA Nook about the Service. If any provision is unenforceable, the rest remains in effect. Our failure to enforce a provision is not a waiver. You may not assign these Terms without our consent; we may assign them in connection with a merger, acquisition or sale of assets. Notices to us should be sent to [email protected].

15. Contact

CDS, LLC — HOA Nook General and legal notices: [email protected] Privacy: [email protected] · Security: [email protected]