Terms of Service

Effective Date: January 1, 2026 | Last Updated: January 1, 2026

These Terms & Conditions ("Terms") govern your use of www.protectmyhoa.com (the "Site") operated by HOA Insurance Agency LLC ("Company," "we," "us," "our"). By accessing this Site, you agree to these Terms. If you do not agree, please do not use this Site.

1. Who We Are (No Carrier Relationship)

HOA Insurance Agency operates as an insurance agency/broker/producer — not an insurance company. Coverage availability depends on carrier underwriting, eligibility criteria, policy provisions, and premium payment. Coverage descriptions on this Site are general information only.

2. Eligibility

You must be at least 18 years old (or the age of majority in your jurisdiction) to use this Site or request our services.

3. No Professional Advice; Quotes Not Binding

Information on this Site is for general educational purposes and is not a substitute for legal, tax, or financial advice.

Any quote or premium indication provided is an estimate based on information you provide and available data. It is not a guarantee of coverage, premium, or eligibility. All coverage is subject to underwriting review and policy issuance by the insurer.

4. Permitted Use

You may use this Site for lawful purposes only, consistent with these Terms. You may not:

  • Violate any applicable laws or regulations
  • Attempt unauthorized access to our systems
  • Disrupt or interfere with Site operations
  • Submit false or fraudulent information

5. Account, Forms, and Submissions

You are responsible for the confidentiality of any account credentials and for the accuracy of information you submit. We may rely on the information you provide for quoting and servicing your coverage.

6. Communications Consent (Email, Phone, Text)

By providing your contact information, you consent to receive communications from us regarding quotes, applications, policy servicing, renewals, and support.

We may send marketing messages where legally permitted. You may opt out at any time via:

  • Email unsubscribe links
  • Replying STOP to text messages
  • Requesting removal by phone

Consent is not required as a condition of purchase.

7. Intellectual Property

All content on this Site — including text, graphics, logos, and software — is owned by or licensed to the Company and protected by applicable intellectual property laws. You may not copy, modify, distribute, sell, or lease any part of this Site without our prior written consent.

8. Third-Party Services and Links

This Site may contain links to third-party websites or tools. We do not control and are not responsible for third-party content or practices.

9. Disclaimer of Warranties

THE SITE IS PROVIDED "AS IS" AND "AS AVAILABLE." WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, TO THE MAXIMUM EXTENT PERMITTED BY LAW. WE DO NOT GUARANTEE THAT THE SITE WILL BE UNINTERRUPTED, ERROR-FREE, SECURE, OR VIRUS-FREE.

10. Limitation of Liability

IN NO EVENT WILL THE COMPANY BE LIABLE FOR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY, OR PUNITIVE DAMAGES ARISING FROM YOUR USE OF THIS SITE. OUR MAXIMUM LIABILITY SHALL NOT EXCEED $100 OR THE AMOUNTS PAID BY YOU IN THE PRECEDING 12 MONTHS, WHICHEVER IS GREATER.

Some jurisdictions do not allow these limitations, in which case they may not apply to you.

11. Indemnification

You agree to defend, indemnify, and hold harmless the Company from any claims, liabilities, damages, judgments, and expenses (including legal fees) arising from your use of the Site, violation of these Terms, or infringement of any third-party rights.

12. Termination

We may suspend or terminate your access to the Site at any time, without notice, for violation of these Terms or any improper use.

13. Governing Law

These Terms are governed by the laws of the Commonwealth of Massachusetts, without regard to conflict-of-law principles.

14. Dispute Resolution

Any dispute arising from these Terms or your use of this Site shall be resolved exclusively in the state or federal courts located in Massachusetts. You consent to personal jurisdiction in those courts.

15. Changes to These Terms

We may update these Terms by posting revised versions on this page. Your continued use of the Site after any changes constitutes acceptance of the updated Terms.

Questions? Contact us at insurance@ProtectMyHOA.com.