Effective Date: October 6, 2026

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Welcome to Smart HOA Finance. By accessing or using this website, downloading resources, creating an account, or purchasing a subscription, you agree to these Terms of Use.

If you do not agree with these terms, please do not use the website or its paid resources.

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Educational Purpose

Smart HOA Finance provides educational information, tools, checklists, articles, Board Briefings, and related resources intended to help HOA board members better understand financial oversight practices. The information provided through this website is for general educational and informational purposes only. It is not legal, accounting, tax, investment, financial, or other professional advice. Use of this website does not create an attorney-client, accountant-client, financial adviser-client, fiduciary, or other professional relationship.

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Board Briefing Subscription

The Board Briefing subscription provides access to educational materials made available to subscribers during the subscription period.

Unless otherwise stated at the time of purchase:

• The subscription is offered on an annual basis.

• The subscription price is shown at checkout.

• One subscription is intended for one HOA or community association.

• Board members serving the subscribing association may use the materials for the association's internal educational and governance purposes.

• Access begins after successful payment and continues for the applicable subscription period.

• New or updated Board Briefings may be added during the subscription period.

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​The specific content included in the subscription may change over time as materials are added, revised, or updated.

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One Subscription Per Association

A Board Briefing subscription is licensed to the association identified at the time of purchase.

Materials may be shared internally with current board members, officers, committee members, or other individuals working on behalf of that subscribing association when reasonably necessary for association governance and financial oversight. 

 

A subscription may not be used to provide access to multiple associations. Property managers, management companies, consultants, attorneys, accountants, or other professionals serving multiple associations may not use a single association subscription to distribute Board Briefing materials among multiple clients. Separate subscriptions are required for separate associations unless Smart HOA Finance has expressly agreed to another arrangement in writing.

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Permitted Use of Materials

Subscribers may:

• View and download materials made available through their subscription.

• Print copies for internal use by the subscribing association.

• Share materials with current board members and appropriate association participants for internal educational and governance purposes.

• Discuss and apply the concepts contained in the materials within their own association.

Materials may not be:

• Resold.

• Republished.

• Posted publicly online.

• Uploaded to public websites or file-sharing services.

• Distributed to unrelated associations.

• Used to create competing educational or commercial materials.

• Reproduced or distributed commercially without written permission from Smart HOA Finance.

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Intellectual Property

Unless otherwise stated, the text, checklists, Board Briefings, downloadable resources, graphics, website content, and other materials available through Smart HOA Finance are owned by or licensed to Smart HOA Finance and are protected by applicable copyright and intellectual property laws. Purchasing a subscription or downloading a resource gives you permission to use the material as described in these Terms. It does not transfer ownership of the material or intellectual property rights.

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Subscription Renewal

If a subscription is offered as an automatically renewing subscription, it will renew at the end of each subscription period unless canceled before the renewal date. The renewal price will be the price disclosed at checkout or otherwise communicated before renewal, subject to applicable law. Subscribers are responsible for maintaining accurate payment and account information.

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Cancellation

Subscribers may cancel an automatically renewing subscription before the next renewal date using the account or cancellation method made available through the website. Cancellation prevents future renewal charges but does not normally terminate access for the remainder of a subscription period that has already been paid.

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Refunds

Because Board Briefing provides access to digital educational materials, subscription payments are generally nonrefundable once access has been provided, except when required by applicable law or when Smart HOA Finance determines that a refund is appropriate. If a billing error occurs, please contact Smart HOA Finance through the website's Contact page.

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Account Responsibility

If subscriber access requires an online account, you are responsible for maintaining the confidentiality of your login credentials and for activity occurring through your account.

You should not provide account credentials to individuals outside the subscribing association.

Smart HOA Finance may restrict or terminate access when it reasonably believes an account is being used in violation of these Terms.

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Accuracy and Updates

Smart HOA Finance makes reasonable efforts to provide useful and accurate educational information. However, laws, accounting practices, reserve requirements, governing documents, industry standards, and association circumstances can change. Smart HOA Finance does not guarantee that all information will always be complete, current, error-free, or appropriate for every association. Users are responsible for determining whether information is appropriate for their own circumstances and for obtaining professional advice when needed.

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Association-Specific Requirements

Every association is different. Applicable law, governing documents, lender requirements, insurance requirements, accounting methods, reserve obligations, contracts, and other circumstances may affect how an association should address a particular financial matter.

Nothing on this website should be interpreted as a determination that a specific practice is legally required or appropriate for a particular association.

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Third-Party Services and Links

The website may use or link to third-party services, including payment processors, website hosting services, email providers, and outside websites. Smart HOA Finance does not control and is not responsible for the content, availability, security, or privacy practices of third-party services. Use of third-party services may be subject to their own terms and policies.

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No Guarantee of Results

Smart HOA Finance provides educational resources intended to support stronger financial oversight. Use of these resources does not guarantee prevention or detection of fraud, financial loss, accounting errors, mismanagement, legal disputes, reserve shortfalls, or other problems.

The effectiveness of financial oversight depends on many factors, including the actions of board members, managers, professionals, financial institutions, vendors, and others.

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Limitation of Liability

To the fullest extent permitted by law, Smart HOA Finance and its owners, officers, employees, contractors, and affiliates will not be liable for indirect, incidental, special, consequential, or similar damages arising from the use of, or inability to use, this website or its educational materials. Users are responsible for decisions made on behalf of their associations and for consulting appropriate professionals when circumstances require professional advice.

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Indemnification

To the extent permitted by law, users agree not to hold Smart HOA Finance responsible for claims, losses, or liabilities resulting from the user's misuse of website materials, violation of these Terms, or unauthorized distribution of protected content.

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Suspension or Termination of Access

Smart HOA Finance may suspend or terminate access to paid or protected content if it reasonably believes that:

• A subscription is being shared among multiple associations.

• Materials are being redistributed or resold without permission.

• An account is being used fraudulently.

• Payment obligations have not been satisfied.

• These Terms have otherwise been materially violated.

 

Changes to These Terms

Smart HOA Finance may update these Terms of Use from time to time. Changes may be made to reflect updates to the website, services, subscription offerings, technology, or legal requirements. The effective date at the top of this page will be updated when material changes are made.

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Governing Law

These Terms of Use will be governed by the laws of the State of Oregon, without regard to conflict-of-law principles, except where applicable law requires otherwise.

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Contact

Questions about these Terms of Use may be submitted through the Contact page on this website.

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Smart HOA Finance LLC

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