Terms of service

Last updated: July 29, 2026

These Terms of Service (“Terms”) govern your access to and use of Homey Reserve (the “Service”), operated by HomeyGroup, Inc. (“Homey,” “we,” “us,” or “our”), available at homey.io. By creating an account, uploading a document, or otherwise using the Service, you agree to be bound by these Terms. If you do not agree, do not use the Service.

1. The service

Homey Reserve helps homeowners association (“HOA”) boards understand and act on their reserve studies. The Service includes AI-powered analysis of uploaded reserve study documents, a dashboard for tracking reserve components and projects, board collaboration tools, calendars, document storage, and related features.

2. Eligibility and accounts

You must be at least 18 years old to use the Service. When you create an account, you agree to provide accurate, current information and to keep your credentials secure. You are responsible for all activity that occurs under your account. Notify us immediately at support@homey.io if you suspect unauthorized use of your account.

If you use the Service on behalf of an HOA, you represent that you have the authority to act for that HOA (for example, as a board member or authorized manager) and that the HOA agrees to these Terms.

3. HOA workspaces and board access

The Service organizes data into HOA workspaces. Workspace administrators control who is invited, what roles members hold, and what data members can see. Data you add to a workspace — including uploaded documents, projects, comments, and financial figures — is visible to other members of that workspace according to their roles. We are not responsible for how members of your workspace use data shared within it.

4. Uploaded documents

The Service allows you to upload reserve studies and related documents, including through the free analysis flow that does not require an account. By uploading a document, you represent that you have the right to do so and that the upload does not violate any law or third-party right. You retain ownership of your documents. You grant us a limited license to store, process, analyze, and display them solely to provide the Service, including processing by the third-party AI providers described in our Privacy Policy.

5. AI-generated content

The Service uses artificial intelligence to extract data from your documents and to generate analyses, summaries, and project recommendations. AI-generated output may contain errors, omissions, or inaccuracies. You must verify extracted figures and generated recommendations against your original reserve study before relying on them.

The Service does not provide professional advice. Nothing in the Service constitutes financial, legal, engineering, or accounting advice, and the Service is not a substitute for a professional reserve study or the judgment of qualified professionals. Decisions about reserve funding, special assessments, and capital projects are yours and your HOA’s alone.

6. Plans, billing, and trials

  • Free tier. The free tier includes limited features (currently 1 reserve study, 2 board member seats, and 12 months of project history). We may change what is included in the free tier over time.
  • Essential plan. The Essential plan is a paid subscription billed at $49/month or $499/year, plus applicable taxes. Payments are processed by Stripe; annual invoice and ACH billing are also available. Prices may change with at least 30 days’ notice, effective at your next renewal.
  • Trials. New HOAs may receive a free trial of the Essential plan (currently 60 days). At the end of a trial, your workspace transitions to the free tier unless you subscribe.
  • Renewal and cancellation. Subscriptions renew automatically until cancelled. You may cancel at any time from your billing settings; cancellation takes effect at the end of the current billing period, and your workspace then transitions to the free tier. Your data is preserved. Except where required by law, payments are non-refundable.

7. Acceptable use

You agree not to:

  • Use the Service for any unlawful purpose or in violation of these Terms;
  • Upload documents you do not have the right to share;
  • Upload malicious code or content designed to disrupt the Service;
  • Attempt to gain unauthorized access to the Service, other users’ accounts, or other HOAs’ workspaces;
  • Scrape, crawl, or use automated means to access the Service other than through interfaces we provide;
  • Resell, sublicense, or white-label the Service without our written consent; or
  • Circumvent usage limits, rate limits, or security measures (including bot protection).

8. Intellectual property

The Service, including its software, design, and content we provide (excluding your documents and data), is owned by Homey and protected by intellectual property laws. We grant you a limited, non-exclusive, non-transferable license to use the Service in accordance with these Terms. You may not copy, modify, or create derivative works of the Service except as permitted by law.

If you send us feedback or suggestions, you grant us the right to use them without restriction or compensation.

9. Third-party services

The Service depends on third-party providers, including cloud hosting, AI processing, payment processing, and email delivery, as described in our Privacy Policy. We are not responsible for the availability of third-party services, and your use of payment services is also subject to the processor’s own terms.

10. Termination

You may stop using the Service or delete your account at any time by contacting support@homey.io. We may suspend or terminate your access if you materially breach these Terms, if required by law, or if we discontinue the Service (in which case we will provide reasonable notice and an opportunity to export your data). Sections that by their nature should survive termination (including Sections 5, 8, 11, 12, and 13) will survive.

11. Disclaimers

THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, OR THAT AI-GENERATED OUTPUT WILL BE ACCURATE OR COMPLETE.

12. Limitation of liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, HOMEY WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, DATA, OR GOODWILL, ARISING OUT OF OR RELATED TO YOUR USE OF THE SERVICE. OUR TOTAL LIABILITY FOR ALL CLAIMS ARISING OUT OF OR RELATED TO THE SERVICE WILL NOT EXCEED THE GREATER OF (A) THE AMOUNTS YOU PAID US IN THE 12 MONTHS BEFORE THE CLAIM AROSE, OR (B) $100. SOME JURISDICTIONS DO NOT ALLOW CERTAIN LIMITATIONS, SO SOME OF THESE LIMITATIONS MAY NOT APPLY TO YOU.

13. Indemnification

You agree to indemnify and hold Homey harmless from claims, damages, and expenses (including reasonable attorneys’ fees) arising out of your uploaded content, your use of the Service in violation of these Terms, or your violation of any law or third-party right.

14. Governing law and disputes

These Terms are governed by the laws of the State of California, without regard to its conflict-of-laws rules. Any dispute arising out of these Terms or the Service will be resolved in the state or federal courts located in the State of California, and you consent to their jurisdiction.

15. Changes to these terms

We may update these Terms from time to time. If we make material changes, we will notify you (for example, by email or an in-app notice) before the changes take effect. Your continued use of the Service after changes take effect constitutes acceptance of the updated Terms.

16. Contact

Questions about these Terms? Contact us at support@homey.io.