Disclaimer

Last updated: August 27, 2026

Please read this entire page before you use this website or Ask HOAMie. If you do not agree, do not use the site.

This page is long on purpose. HOA problems can involve fines, hearings, liens, and deadlines. Missing a step can cost you money or rights. This website cannot take that risk for you.

1. This is not a law firm

This website, including every page, article, form, example, checklist, letter, and Ask HOAMie answer, is for general information only.

We are not a law firm. We are not a lawyer, attorney, or legal services provider. We do not practice law in any state or jurisdiction. We do not represent you, your neighbors, your HOA, your board, or anyone else.

Nothing on this site is legal advice. Nothing on this site is a legal opinion about your situation. Nothing on this site is a substitute for advice from a lawyer who is licensed in your state and who can review your actual documents.

2. No attorney-client relationship

Using this website, creating an account (if we offer one), asking HOAMie a question, uploading or pasting documents, reading a guide, or contacting us does not create an attorney-client relationship.

It also does not create any other professional relationship. We are not your advocate, your representative, your agent, or your counselor.

Do not treat anything you type here as a confidential or privileged communication with a lawyer. It is not.

If you need a lawyer, hire one who is licensed where you live (or where the property is). Talk to that person directly. Do not wait on this site to do it.

3. HOAMie is an AI helper, not a person

Ask HOAMie is an artificial intelligence tool. It is not a person. It is not a lawyer. It is not a paralegal. It is not a member of your HOA board. It is not a government official.

HOAMie:

• Does not know you
• Does not know your HOA
• Has not read your full governing documents unless you paste them, and even then it can miss things
• Can be wrong, incomplete, outdated, or too general
• Can misunderstand your question
• Can mix up rules from another state, another type of association, or a typical HOA with your HOA
• Does not check court records, your county, your management company, or your board’s latest vote unless a source is clearly provided and current
• Does not appear in court, at a hearing, or on a call with your board for you

You must not rely on HOAMie as your only source. Use it to get oriented. Then verify.

We do not name the underlying software vendor in the visitor experience. That does not make HOAMie a person, a lawyer, or a guaranteed answer.

4. Your documents and your state’s laws control

HOA rules are local. They are not the same in every state, every county, or every community.

What actually controls your situation is usually some mix of:

• The recorded declaration / CC&Rs
• Bylaws
• Rules and regulations
• Architectural or design guidelines
• Your state’s nonprofit, condominium, planned-community, or HOA statutes
• Your state’s hearing, notice, records, collections, and foreclosure rules (these vary a lot)
• Court decisions in your state
• Your association’s articles of incorporation
• Any settlement, board resolution, or management contract that applies
• Your county or municipal rules, if any

A “typical” HOA process you read here may not be the process that applies to you. Some states require specific notice before a fine. Some require a hearing. Some cap fines. Some have unique records-inspection rules. Some treat condos differently from single-family HOAs. Some communities are not even subject to the statute you think they are.

If this site, a guide, or HOAMie says something that conflicts with your governing documents or your state’s law, do not follow the site. Follow the documents and the law, or ask a licensed lawyer which one wins in your case.

5. We have not reviewed your case

Unless a human we employ later offers a separate, clearly labeled paid review (this site does not currently do that), assume we have not:

• Read your violation letter, fine notice, or hearing packet
• Read your CC&Rs, bylaws, or rules
• Reviewed photos, surveys, or architectural applications
• Spoken to your board, manager, or neighbors
• Checked whether your HOA followed its own procedures
• Calculated deadlines for you
• Appeared at or prepared you for a hearing as counsel

A question you type into HOAMie is not a case file. A short summary leaves out facts that can change the answer.

6. Deadlines, hearings, fines, and money

HOA disputes are time-sensitive.

A hearing date, a deadline to request a hearing, a deadline to pay, a deadline to appeal, a records request window, a board meeting, or a collections step can pass while you are reading this site. If it passes, you may lose the chance to contest a fine, stop a late fee, or get a document.

This site cannot watch your calendar. HOAMie cannot file anything for you, request a hearing for you, or pause a collection.

If you have a letter in hand with a date on it, treat that date as real until a lawyer or the documents tell you otherwise. Do not wait for a perfect answer from HOAMie.

Fines, late fees, interest, collections costs, attorney’s fees charged by the association, liens, and foreclosure risk (where allowed) are serious. General information about “what often happens” is not a prediction of what will happen to you.

7. When you need a real lawyer

You should talk to a licensed lawyer in your state, among other times, if:

• You received a fine, violation, demand, collections notice, lien notice, or foreclosure-related notice
• You have a hearing coming up and the amount or the outcome matters to you
• You believe the board skipped required notice, a hearing, or its own rules
• You are considering not paying assessments
• There is a disability, discrimination, fair housing, or retaliation issue
• There is a safety, harassment, or criminal issue
• You want someone to write or send a letter for you as your lawyer
• You want someone to attend a hearing or sue (or defend a suit)
• You cannot tell what your documents mean
• HOAMie’s answer and your documents seem to disagree
• The amount at stake, or the risk to your home, is more than you can afford to get wrong

This site may tell you, in plain language, when a situation is the kind that usually needs a lawyer. That is still not a legal conclusion about your case. It is a warning to get help.

We do not hire a lawyer for you. We do not make you a client of any lawyer. A link to a lawyer-referral service or bar association, if we provide one, is not a recommendation of a particular lawyer and is not a promise they will take your case.

8. No guarantees, and no duty to update you

We do not guarantee that any information is:

• Accurate
• Complete
• Current
• Applicable to your community
• Applicable to your state
• Applicable to your type of association (condo, co-op, HOA, townhome, master association, etc.)

Laws change. Courts issue new decisions. Associations amend documents. Boards adopt new rules. Management companies change practices. A page that was fair yesterday can be wrong tomorrow.

We have no duty to contact you if something on the site becomes outdated. We have no duty to correct an Ask HOAMie answer after you close the conversation.

Information is provided “as is” and “as available.”

9. Outcomes, strategy, and “what will work”

Do not read anything here as:

• A prediction of what your board will do
• A prediction of what a judge, arbitrator, or mediator will do
• A strategy that is safe to use in your hearing
• Permission to ignore a rule, withhold assessments, or miss a payment
• A finding that your HOA “broke the law” or that you “did nothing wrong”
• A finding that a fine is invalid or that a hearing was unfair

HOAMie should not tell you that you have a “strong case,” that you “will win,” or that you “should sue.” If it ever does, do not rely on that. That is not a legal opinion we stand behind.

10. What you should not paste into HOAMie

Do not paste or upload anything you would not be comfortable a third party seeing. That includes, without limitation:

• Bank account, Social Security, or driver’s license numbers
• Passwords or account logins for a portal
• Payment card information
• Medical details you need kept private
• Information about minors that is not necessary
• Anything a lawyer has told you is privileged, if you have a lawyer
• Threats, defamation, or content you are not allowed to share

Assume questions and pasted text may be processed by automated systems to generate an answer and to operate and improve the service. Do not treat HOAMie as a locked filing cabinet or as your lawyer’s office.

A separate privacy policy (when published) will explain what we collect and how we use it. Until that policy is up, treat anything you submit as not private, not privileged, and not a good place for secrets.

11. We are not your HOA, your manager, or the government

This website is an independent information project. Unless we clearly say otherwise on a specific page:

• We are not affiliated with your homeowners association
• We are not affiliated with your community manager or management company
• We are not affiliated with your board, officers, or attorney
• We are not a state agency, licensing board, or court
• We are not Community Associations Institute (CAI) or any trade group
• We do not collect assessments and we cannot waive a fine

If you need an official answer from the association, ask the association in writing, using the method your documents require, and keep a copy.

12. Letters, templates, and examples

Any sample letter, hearing outline, records request, or checklist is an example of how some homeowners organize their thoughts. It is not a form approved for your state. It is not customized to your documents. Filling one in does not make it “legal” or effective.

If you send a letter based on an example here, you are the sender. You are responsible for whether it is accurate, complete, civil, and allowed. We are not copying you, CC’ing your board, or adopting your words.

13. Third-party links and sources

We may link to statutes, government sites, court sites, articles, or other organizations. Those belong to other people. We do not control them. We do not vouch for everything they say. A statute excerpt can be outdated or incomplete. Always read the current official source.

Citing a source is not the same as saying it applies to you.

14. Your responsibility

You are responsible for:

• Reading your own governing documents
• Checking your state’s current law
• Tracking your own deadlines
• Deciding whether to hire a lawyer
• What you send to your HOA
• What you say at a hearing
• Any action you take or skip after using this site

If you use this site, you agree that you understand the limits above and that you will not hold the site out as your lawyer.

15. Limitation of liability (draft)

To the fullest extent allowed by law, the operators of this website are not liable for any loss, fine, fee, lien, missed deadline, failed hearing, emotional distress, lost time, or other damage that comes from your use of, or reliance on, this site or HOAMie.

Some states do not allow certain limitations. If you live in one of those states, some of this section may not apply to you. That does not change the rest of this disclaimer: this site still is not legal advice and still does not represent you.

This section is a draft for counsel to review before launch. It must be aligned with the actual business entity, state of formation, and consumer-law rules that apply.

16. If you do not agree

If you do not understand or do not accept this disclaimer, do not use Ask HOAMie and do not rely on this website. Talk to a licensed lawyer instead.

17. Changes

We can update this disclaimer at any time. The “Last updated” date at the top will change when we do. Continued use of the site after an update means you are reading the new version. For a serious change, we may also ask you to acknowledge it again before using HOAMie.