1. Acceptance of Terms

NeighborCloud is owned and operated by [NeighborCloud, Inc.]. By accessing, browsing, or using the NeighborCloud platform (the "Service"), you acknowledge that you have read, understood, and agree to be bound by these Terms & Conditions, including any future modifications.

2. Eligibility

1. You are at least 18 years of age or have the legal capacity to form a binding agreement.
2. You are a homeowner, resident, or authorized user within a Homeowners Association (HOA) that has subscribed to the NeighborCloud service.

3. Scope of Service

NeighborCloud is a digital platform provided to facilitate communication, dues management, document sharing, and other HOA-related operations. While we provide tools for HOA management, NeighborCloud is not responsible for the governance, policies, or enforcement actions of your specific HOA.

4. User Responsibilities

As a user, you agree to:

1. Provide Accurate Information: You must ensure that all personal and contact information provided during registration is accurate and up to date.
2. Use the Platform Responsibly: You will not use NeighborCloud to upload, share, or distribute content that is unlawful, defamatory, abusive, obscene, or violates any applicable laws.
3. Respect Other Users: You agree to communicate respectfully with HOA members, neighbors, and board members. Harassment or misuse of the platform may result in account suspension or termination.

5. Payments and Transactions

NeighborCloud may facilitate payment of HOA dues, assessments, or other fees as authorized by your HOA board. By using payment features, you agree to the following:

1. Third-Party Processors: Payments are processed through third-party payment gateways. NeighborCloud does not store payment information.
2. Service Fees: Certain transactions may include service fees, which will be disclosed before completing a transaction.
3. Responsibility: NeighborCloud is not liable for disputes arising between homeowners and HOA boards regarding payments, fees, or refunds.

6. Privacy and Data Protection

Your use of NeighborCloud is governed by our Privacy Policy, which details how we collect, store, and protect your personal data. By using the Service, you consent to our data practices.

7. Intellectual Property

1. Ownership: All software, features, designs, and content provided by NeighborCloud are the intellectual property of NeighborCloud, Inc. You may not copy, reproduce, distribute, or create derivative works without prior written consent.
2. User Content: Any content uploaded or shared by users remains their property, but you grant NeighborCloud a non-exclusive, royalty-free license to host and display this content solely for Service operation.

8. Prohibited Activities

You agree not to:

1. Reverse-engineer, decompile, or attempt to extract the source code of the software.
2. Upload viruses, malware, or any harmful code.
3. Use the Service for any unauthorized or illegal purposes.

9. Disclaimer of Warranties

NeighborCloud provides its services “as is” and “as available.” We make no representations or warranties, expressed or implied, regarding the reliability, availability, or accuracy of the platform.

10. Limitation of Liability

NeighborCloud and its affiliates shall not be liable for any indirect, incidental, special, or consequential damages resulting from your use of the Service. Our total liability, under any circumstance, shall not exceed the amount paid (if any) for accessing NeighborCloud in the prior 12 months.

11. Termination

NeighborCloud reserves the right to suspend or terminate your access if you violate these Terms & Conditions or engage in misuse of the platform.

12. Changes to Terms

NeighborCloud may revise these Terms & Conditions from time to time. You are encouraged to periodically review this page for updates. Continued use of the Service after changes are posted constitutes acceptance of the revised Terms & Conditions.

13. Governing Law

These Terms & Conditions are governed by the laws of the State of [Insert State], without regard to conflict-of-law principles.

14. Dispute Resolution

Any disputes arising under these Terms & Conditions will first be resolved through good-faith negotiations. If unresolved, disputes will be subject to arbitration in accordance with the rules of the [American Arbitration Association].

15. Contact Information

If you have any questions about these Terms & Conditions, please contact us at: