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 or using the Site, you agree to these Terms. If you do not agree, do not use the Site.

1) Who We Are (No Carrier Relationship)

We are an insurance agency/broker/producer and are not an insurance company. Insurance coverage is subject to carrier underwriting, eligibility, policy terms, and payment of premium. Any descriptions of coverage are general and do not change any insurance policy terms.

2) Eligibility

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

3) No Professional Advice; Quotes Not Binding

Information on the Site is for general informational purposes only and should not be considered legal, tax, or financial advice.

Any quote or indication of premium is:

  • An estimate based on information provided and available data

  • Not a guarantee of coverage, premium, or eligibility

  • Subject to verification, underwriting, and policy issuance by the insurer

4) Permitted Use

You may use the Site only for lawful purposes and in accordance with these Terms.

You agree not to:

  • Use the Site in any way that violates applicable laws or regulations

  • Attempt to gain unauthorized access to systems or accounts

  • Interfere with the Site’s operation (e.g., introducing malware, scraping at scale, or denial-of-service attempts)

  • Submit false, misleading, or fraudulent information

5) Account, Forms, and Submissions

If the Site allows account creation or form submission:

  • You are responsible for maintaining the confidentiality of your credentials (if any)

  • You agree that information you submit will be accurate and current

  • We may rely on the information you provide to quote or service coverage

6) Communications Consent (Email, Phone, Text)

By providing your contact information, you consent to be contacted by us regarding:

  • Quotes, applications, policy servicing, renewals, and support

  • Operational notices and required disclosures

Marketing messages may be sent where permitted by law. You can opt out:

  • Emails: use the unsubscribe link

  • Texts: reply STOP

  • Phone: tell the representative you wish to opt out of marketing calls

Consent is not a condition of purchase. Message/data rates may apply.

7) Intellectual Property

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

8) Third-Party Services and Links

The Site may include links to third-party sites or tools (e.g., carrier portals, payment providers). We do not control and are not responsible for third-party content, policies, or practices.

9) Disclaimer of Warranties

THE SITE IS PROVIDED “AS IS” AND “AS AVAILABLE.” TO THE FULLEST EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

We do not warrant that the Site will be uninterrupted, error-free, secure, or free from viruses or other harmful components.

10) Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW, IN NO EVENT WILL COMPANY (INCLUDING ITS OWNERS, EMPLOYEES, AND AGENTS) BE LIABLE FOR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, REVENUE, DATA, OR GOODWILL, ARISING OUT OF OR RELATED TO YOUR USE OF (OR INABILITY TO USE) THE SITE.

TO THE FULLEST EXTENT PERMITTED BY LAW, COMPANY’S TOTAL LIABILITY FOR ANY CLAIM ARISING OUT OF OR RELATED TO THE SITE WILL NOT EXCEED $100 OR THE AMOUNT YOU PAID TO COMPANY FOR SITE ACCESS IN THE 12 MONTHS BEFORE THE EVENT GIVING RISE TO THE CLAIM, WHICHEVER IS GREATER.

(Some jurisdictions do not allow certain limitations, so some of the above may not apply to you.)

11) Indemnification

You agree to defend, indemnify, and hold harmless Company from and against claims, liabilities, damages, judgments, and expenses (including attorneys’ fees) arising out of your use of the Site, your violation of these Terms, or your violation of any rights of another.

12) Termination

We may suspend or terminate your access to the Site at any time if we believe you have violated these Terms or used the Site improperly.

13) Governing Law

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

14) Dispute Resolution

Any dispute arising out of or related to these Terms or the Site will be brought exclusively in the state or federal courts located in Massachusetts, and you consent to personal jurisdiction there.

15) Changes to These Terms

We may update these Terms at any time by posting the updated version on this page. Your continued use of the Site after changes become effective means you accept the revised Terms.