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By accessing or using the Anthoam platform ("Platform"), operated by HOAM App, LLC dba Anthoam ("Anthoam," "we," "us," or "our"), you ("User," "you," or "your") agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, you may not access or use the Platform. These Terms apply to all visitors, users, residents, property managers, board members, vendors, and others who access or use the Platform.
Anthoam is a self-service software platform. We provide tools that homeowners associations ("HOAs"), boards, property managers, residents, and vendors use to operate their own communities. Anthoam itself is not a property management company, HOA board, board member, community manager, accountant, bookkeeper, attorney, financial advisor, insurance broker, or fiduciary. We do not run your community, make decisions on your behalf, or supervise the actions of any user.
The Platform offers tools for, among other things: resident communication, dues collection, maintenance request tracking, document management, amenity reservations, financial reporting, community voting, direct messaging, vendor management, move-in/move-out workflows, capital project planning, board meeting management, and AI-assisted features. You and the other users in your community decide how to configure these tools, what data to enter, what notifications to send, and what actions to take in response. All governance, financial, legal, enforcement, and operational decisions remain solely with the HOA, its board, its managers, its residents, and its vendors — not with Anthoam.
You are responsible for evaluating whether the Platform is suitable for your needs and for ensuring that your use of it complies with your governing documents, contracts, and applicable law.
The Platform includes automated features intended to help users stay organized. These include, without limitation: payment reminders, late notices, recurring billing runs, scheduled jobs, dunning emails, push notifications, in-app alerts, transactional and bulk emails, calendar reminders, meeting and agenda notifications, voting deadline reminders, amenity booking confirmations, dashboards, calculations, financial summaries, AI-generated suggestions and summaries (including Ask Anthoam), document analysis, intelligent search, and any other workflow nudges or automations now or later offered by the Platform (collectively, "Automated Features").
All Automated Features are provided on a best-effort, "AS IS" and "AS AVAILABLE" basis, with no guarantees of any kind. Without limitation, Automated Features may: fail to fire; fire late; fire more than once; deliver to the wrong recipient or not at all; be filtered as spam; produce incorrect, incomplete, outdated, or misleading content; be temporarily or permanently unavailable; be delayed or disrupted by third-party providers (such as email, push, payment, or AI vendors), network conditions, maintenance windows, configuration errors, or bugs; or be changed, suspended, or removed at any time without notice.
You remain solely responsible for meeting your own obligations — including, without limitation, paying dues, assessments, fees, and rent on time; responding to notices, ballots, and meeting invitations; complying with HOA rules and governing documents; filing required reports; meeting legal and regulatory deadlines; supervising vendors; and reviewing the accuracy of any data, calculation, or AI output before relying on it. Whether or not the Platform sent (or did not send) a reminder, notification, email, calculation, or AI suggestion does not relieve you of these obligations and does not create any defense, excuse, waiver, or extension.
Anthoam is not liable for any consequences arising from the operation, non-operation, delay, inaccuracy, or unavailability of any Automated Feature. Such consequences include, without limitation: missed payments; late fees, interest, penalties, or collection costs; missed deadlines, votes, meetings, hearings, or filings; missed maintenance or inspections; missed renewal or cancellation windows; loss of eligibility for any program or benefit; reputational harm; emotional distress; and any direct, indirect, incidental, special, consequential, or punitive damages of any kind. AI-generated content is informational only and is not a substitute for professional legal, financial, accounting, tax, insurance, engineering, or management advice.
To use certain features of the Platform, you must register for an account. You agree to provide accurate, current, and complete information during registration and to update such information to keep it accurate, current, and complete. You are responsible for safeguarding the password associated with your account and for any activities or actions under your account. You are also responsible for keeping your contact information (including email address and phone number) current so that any notifications the Platform sends can reach you. You agree to notify us immediately of any unauthorized use of your account. Anthoam will not be liable for any loss or damage arising from your failure to comply with this section.
You agree not to use the Platform to:
Certain features of the Platform require payment, including but not limited to HOA dues processing, platform access fees, and financial product services. Payments are processed through Stripe, our third-party payment processor. By making a payment through the Platform, you agree to Stripe's terms of service in addition to these Terms. An Anthoam Payments Processing Fee (currently 0.25% of each dues payment) is applied to payments processed through Stripe Connect. This fee is subject to change with 30 days' written notice. Property managers connect their bank accounts through Stripe Express to receive dues payments directly, with Anthoam retaining the Anthoam Payments Processing Fee. HOA dues amounts, special assessments, and community-specific fees are determined by your HOA, not by Anthoam. We facilitate the collection and processing of these payments.
Payers remain solely responsible for paying the correct amount on time. Payment reminders, autopay runs, receipts, late notices, and any related communications are Automated Features as described in Section 3 and may fail, be delayed, or be inaccurate. The non-delivery of a reminder or receipt does not waive any obligation to pay or any late fee or penalty owed under your community's governing documents. Anthoam is not liable for missed, late, declined, duplicated, reversed, or misapplied payments, and you should verify your payment history directly within the Platform and with your bank.
Refund eligibility, subscription cancellation, processing-fee handling, and dispute (chargeback) resolution are governed by our Refunds & Cancellation Policy, which is incorporated into these Terms by reference. In the event of a conflict between this section and the Refunds & Cancellation Policy regarding refunds or disputes, the Refunds & Cancellation Policy controls.
You may cancel or, if you prefer, pause your subscription from Settings > Billing. Cancellation takes effect at the end of the current billing period. After cancellation, your community's data and uploaded files are retained for 90 days — during which you may reactivate or export them — and are then permanently deleted, except where longer retention is required by law. These cancellation, pause, save-offer, and data-deletion terms are described in full in our Refunds & Cancellation Policy and Privacy Policy.
One subscription per community. Each Anthoam subscription covers a single homeowners association (one community / legal entity). If you operate more than one community — for example, as a property manager — each community requires its own subscription at the published per-community price. You may not run multiple distinct associations under a single subscription.
Anthoam acts as the platform of record on Stripe Connect for every community that connects a bank account through the platform. Stripe holds Anthoam accountable for the chargeback rate, fraud rate, fund availability, and remediation of every connected account, and we accept that responsibility on behalf of the communities we serve. To do so safely, we reserve the right — at our sole discretion and without prior notice — to pause payouts, restrict or disable card payments, withhold funds in a community's Stripe balance, or terminate a community's connected account when (a) the community's chargeback or fraud rate exceeds thresholds Anthoam considers materially risky, (b) Stripe issues a notice, warning, or directive to Anthoam regarding the account, (c) a payout to the community's bank account fails repeatedly, (d) Stripe Radar issues an early-fraud warning on a payment processed for the community, (e) the community deauthorizes the Anthoam platform from its Stripe account, (f) the community fails to provide information Stripe requires to keep the account in good standing, or (g) Anthoam reasonably believes the account is being used in violation of Stripe's Restricted Businesses or Connect Account Agreement, or applicable law. Anthoam will notify the community manager(s) by email when we take any such action. Held funds remain the community's property and will be released as soon as the underlying risk is resolved to Anthoam's satisfaction, subject to any deduction Stripe applies for chargebacks, refunds, or fees. Resolution of payment disputes (chargebacks) is governed by Section 7 of our Refunds & Cancellation Policy.
The Platform provides document management features that allow users to upload, store, organize, and share community documents such as governing documents, meeting minutes, financial reports, and other records. Property managers and board members may upload documents to be shared with community members. By uploading documents to the Platform, you represent that you have the right to share such documents and that they do not violate any third-party intellectual property or privacy rights. Anthoam does not review or verify the content of uploaded documents. Documents may be analyzed by AI-powered features for indexing and search purposes; see Section 13 for more details.
The Platform provides tools for conducting community votes and polls. Voting features enable HOA boards and managers to create polls, collect votes from eligible community members, and tally results. Each eligible user may cast one vote per voting item unless the poll rules specify otherwise. Vote results are recorded and may be visible to managers, board members, and/or the community depending on the poll configuration. Anthoam facilitates the voting process but does not validate whether votes comply with your HOA's governing documents or applicable state laws. It is the responsibility of the HOA board and management to ensure that voting procedures comply with their bylaws and relevant regulations, and to verify quorum, eligibility, and tally results independently. Voting reminders and deadline notifications are Automated Features under Section 3; their non-delivery does not extend any voting deadline or invalidate any result.
The Platform includes a direct messaging feature that allows users to communicate with other community members, managers, and board members. Messages sent through the Platform are stored on our servers and may be accessed by Anthoam for the purposes of providing the service, ensuring compliance with these Terms, and responding to legal obligations. Users are responsible for the content of their messages and must not use messaging for harassment, spam, or illegal purposes. Anthoam does not guarantee message delivery, ordering, read receipts, or any particular response time, and is not liable for messages that are delayed, undelivered, misrouted, or read by an unintended recipient. Anthoam reserves the right to suspend messaging access for users who violate these Terms.
The Platform may provide amenity reservation and booking features for community common areas, facilities, and shared resources. Bookings are subject to availability and any community rules established by the HOA board or management. Anthoam facilitates the booking process but is not responsible for the condition, availability, suitability, or supervision of any amenity, nor for double-bookings, cancellations, or scheduling errors. Booking confirmations and reminders are Automated Features under Section 3 and may fail or be delayed; users should verify their reservations directly in the Platform. Cancellation and refund policies for amenity bookings are determined by each community's management.
The Platform provides tools for managing vendor relationships, including vendor contact information, service records, contracts, quote requests, and performance tracking. Property managers may add vendor information to the Platform for community management purposes. Anthoam does not endorse, recommend, vet, license, insure, or guarantee the quality, safety, qualifications, or performance of any vendor. The selection, engagement, supervision, payment, and termination of vendors is solely the responsibility of the HOA board and property management. Vendor invitations, quote requests, and status notifications are Automated Features under Section 3 and may fail or be delayed.
The Platform provides workflow tools for managing resident move-in and move-out processes, including inspection checklists, deposit tracking, and key management. Additionally, the Platform offers capital project planning features for tracking large community improvement projects, budgets, timelines, and contractor assignments. These tools are provided for organizational convenience; Anthoam does not assume responsibility for the accuracy of move-in/move-out records, deposit handling, key custody, or the management of capital projects. Users remain responsible for verifying inspection findings, deposit accounting, and project status independently of any Platform-generated summary or reminder.
The Platform includes AI-powered features (such as Ask Anthoam, document analysis, and intelligent search) that use artificial intelligence to assist users. These features are powered by third-party AI services including OpenAI. AI-generated content is provided for informational and convenience purposes only and is an Automated Feature under Section 3. AI output may be inaccurate, incomplete, biased, outdated, or fabricated, and should not be relied upon as professional legal, financial, accounting, tax, insurance, engineering, or management advice. Anthoam does not guarantee the accuracy, completeness, or reliability of AI-generated responses. Users are solely responsible for independently verifying any AI output before acting on it and for consulting qualified professionals as appropriate. Data submitted to AI features may be processed by third-party AI providers subject to their respective data processing terms.
The Platform provides tools for scheduling, managing, and documenting board meetings, including agenda creation, minute-taking, and action item tracking. Meeting records stored on the Platform are maintained for the convenience of the HOA board and management. Anthoam does not verify compliance of meeting procedures with your HOA's governing documents or applicable open meeting laws, and does not guarantee delivery of meeting notices, agendas, or reminders, which are Automated Features under Section 3. It is the board's responsibility to ensure meetings are properly noticed, conducted, and documented in accordance with applicable rules and regulations.
Anthoam is a self-service software platform, not a property manager, HOA board, board member, managing agent, fiduciary, accountant, bookkeeper, attorney, financial advisor, or insurance provider for your community. We provide tools; your community operates itself using those tools.
All governance decisions, enforcement actions, rule interpretations, financial decisions, collections actions, vendor decisions, employment decisions, communications with residents, and compliance determinations made through or in connection with the Platform are the sole responsibility of the HOA, its board, its managers, its residents, and its vendors — not Anthoam. Anthoam does not guarantee the accuracy, completeness, or timeliness of any financial report, dashboard, calculation, AI summary, reminder, or other output generated through the Platform, and users should independently verify all such information and consult qualified professionals as appropriate. Anthoam owes no fiduciary, advisory, or professional duty to any user.
Your use of the Platform is also governed by our Privacy Policy, which is incorporated into these Terms by reference. By using the Platform, you consent to the collection and use of your information as described in the Privacy Policy. Property managers and HOA boards are responsible for ensuring they have appropriate authority to share resident information with the Platform.
The Platform and its entire contents, features, and functionality (including but not limited to all information, software, text, displays, images, and the design, selection, and arrangement thereof) are owned by Anthoam, its licensors, or other providers of such material and are protected by United States and international copyright, trademark, patent, trade secret, and other intellectual property laws. You retain ownership of any content you submit to the Platform, but you grant Anthoam a non-exclusive, worldwide, royalty-free license to use, reproduce, modify, and display such content in connection with operating the Platform.
THE PLATFORM AND ALL AUTOMATED FEATURES ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS, WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, ACCURACY, TIMELINESS, OR UNINTERRUPTED OPERATION. ANTHOAM DOES NOT WARRANT THAT REMINDERS, NOTIFICATIONS, EMAILS, SCHEDULED JOBS, AI OUTPUT, CALCULATIONS, OR ANY OTHER AUTOMATED FEATURE WILL BE TIMELY, ACCURATE, COMPLETE, OR DELIVERED AT ALL.
TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT WILL ANTHOAM, ITS AFFILIATES, OR THEIR LICENSORS, SERVICE PROVIDERS, EMPLOYEES, AGENTS, OFFICERS, OR DIRECTORS BE LIABLE FOR DAMAGES OF ANY KIND, UNDER ANY LEGAL THEORY, ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF, OR INABILITY TO USE, THE PLATFORM OR ANY AUTOMATED FEATURE — INCLUDING, WITHOUT LIMITATION, ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES; ANY MISSED PAYMENT, LATE FEE, INTEREST, PENALTY, OR COLLECTION COST; ANY MISSED DEADLINE, VOTE, MEETING, HEARING, FILING, INSPECTION, OR RENEWAL; ANY LOSS OF REVENUE, PROFITS, BUSINESS, GOODWILL, DATA, OR OPPORTUNITY; ANY PERSONAL INJURY, PAIN AND SUFFERING, OR EMOTIONAL DISTRESS; AND ANY DAMAGES CAUSED BY THE FAILURE, DELAY, INACCURACY, OR UNAVAILABILITY OF ANY REMINDER, NOTIFICATION, EMAIL, AI OUTPUT, OR OTHER AUTOMATED FEATURE — WHETHER CAUSED BY TORT (INCLUDING NEGLIGENCE), BREACH OF CONTRACT, OR OTHERWISE, AND EVEN IF FORESEEABLE OR IF ANTHOAM HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
THE AGGREGATE LIABILITY OF ANTHOAM FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THESE TERMS OR THE PLATFORM SHALL NOT EXCEED THE AMOUNT YOU PAID TO ANTHOAM IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF CERTAIN WARRANTIES OR LIABILITIES, SO SOME OF THE ABOVE LIMITATIONS MAY NOT APPLY TO YOU; IN SUCH JURISDICTIONS, ANTHOAM'S LIABILITY IS LIMITED TO THE MAXIMUM EXTENT PERMITTED BY LAW.
The Platform integrates with and relies upon third-party service providers to deliver certain functionality. These providers include, but are not limited to:
ANTHOAM DOES NOT WARRANT, ENDORSE, GUARANTEE, OR ASSUME RESPONSIBILITY FOR ANY THIRD-PARTY SERVICE, AND SHALL NOT BE LIABLE FOR ANY FAILURES, OUTAGES, ERRORS, DATA LOSS, OR SERVICE INTERRUPTIONS CAUSED BY OR ATTRIBUTABLE TO THESE THIRD-PARTY PROVIDERS. Each third-party service is governed by its own terms of service and privacy policy. Users are encouraged to review the applicable terms for each provider:
For any issues related specifically to a third-party service (e.g., payment processing errors, email delivery failures, or AI-generated content), users should refer to that provider's own terms and support channels. Anthoam will make reasonable efforts to assist but accepts no liability for the acts, omissions, or performance of third-party providers.
Any dispute arising out of or relating to these Terms or the Platform shall first be attempted to be resolved through good-faith negotiation between the parties. If the dispute cannot be resolved through negotiation within thirty (30) days, it shall be submitted to binding arbitration in accordance with the rules of the American Arbitration Association. The arbitration shall take place in the state where Anthoam maintains its principal place of business. Each party shall bear its own costs and attorney's fees. You agree that any dispute resolution proceedings will be conducted on an individual basis and not in a class, consolidated, or representative action.
We do not guarantee that the Platform will be available at all times. We may experience hardware, software, or other problems or need to perform maintenance, resulting in interruptions, delays, or errors that may also affect any Automated Feature described in Section 3. We reserve the right to change, revise, update, suspend, discontinue, or otherwise modify the Platform — including any individual reminder, notification, AI feature, or automation — at any time without notice. We will not be liable for any loss, damage, or inconvenience caused by your inability to access or use the Platform, or by the failure or delay of any Automated Feature, during any downtime, modification, or discontinuance.
We may terminate or suspend your account and access to the Platform immediately, without prior notice or liability, for any reason, including without limitation if you breach these Terms. Upon termination, your right to use the Platform will immediately cease. If you wish to terminate your account, you may contact us or use the account settings within the Platform. All provisions of these Terms which by their nature should survive termination shall survive, including ownership provisions, warranty disclaimers, indemnity, and limitations of liability.
The Platform may offer or facilitate access to various financial products and services, including but not limited to capital loan introductions, home warranties, property insurance, refinancing, and compliance services. These products are provided by third-party partners; Anthoam does not provide financial, insurance, tax, or legal advice in connection with these products. Each financial product may have its own specific terms and conditions, which will be presented to you at the time of enrollment. By enrolling, you agree to both these Terms and any product-specific terms. Anthoam may earn referral fees, orchestration fees, or commissions in connection with financial products offered through the Platform; fee structures are disclosed at the time of enrollment. Any reminder, eligibility indicator, or summary related to a financial product is an Automated Feature under Section 3 and is not a substitute for your own diligence or that of a qualified professional.
Anthoam acts solely as an introducer between communities and accredited third-party lenders. Anthoam does not originate, underwrite, or service loans. All loan terms, rates, fees, repayment structures, disclosures, and post-introduction servicing are between the community and the lender. The lender contracts directly with the community. Anthoam may earn a referral fee from the lender, disclosed at introduction; the referral fee does not flow through Anthoam-issued credit, debt, or escrow. Federal and state lending statutes (including the Truth in Lending Act, where applicable) govern the lender's disclosures, not Anthoam's. Communities should obtain independent legal, financial, and accounting advice before signing any loan agreement.
Building Audits are performed by licensed engineering partners. Anthoam matches the partner and orchestrates the engagement; the partner contracts directly with the community and is solely responsible for the accuracy and adequacy of the inspection, the reserve schedule, and any cost estimates. Anthoam may earn an orchestration fee from the partner; the fee does not increase the price the community pays. Anthoam is not a licensed engineer and provides no engineering opinion.
The Building Audit engagement includes a structured deferred-maintenance report produced from information provided by the community plus Anthoam-platform records. The report is informational only, not an engineering opinion, and is intended to support the licensed engineering opinion the partner delivers as part of the audit. The deferred-maintenance report is not separately purchasable from Anthoam.
Capital Project Management is delivered by independent owner's-representative project managers under a separate engagement letter. The project manager works for the community, not the contractor. Anthoam orchestrates introductions and platform access; it does not assume contractor liability or guarantee project outcomes. Pricing is set out in the engagement letter.
Anthoam does not currently provide full-service property management. Anthoam introduces communities to third-party property management firms operating on the Anthoam platform. The firm contracts directly with the community; Anthoam's role is introduction only. All pricing, scope, SLAs, fiduciary duties, trust accounting, employment relationships, insurance, and regulatory compliance are the firm's responsibility. Anthoam may earn a referral fee from the firm, disclosed at introduction.
Anthoam is committed to compliance with the Fair Housing Act (42 U.S.C. §§ 3601–3619) and all applicable federal, state, and local fair housing laws. Every person deserves equal access to housing opportunities regardless of race, color, national origin, religion, sex, familial status, disability, or any other characteristic protected by law. The Platform may not be used to discriminate against any individual or group in any housing-related activity, including advertising, tenant screening, rule enforcement, amenity access, or communication. Property managers, HOA boards, and all users are expected to comply with fair housing laws in their use of the Platform. Anyone who believes they have experienced housing discrimination may report it using the contact below or file a complaint with the U.S. Department of Housing and Urban Development (HUD) at www.hud.gov/fairhousing.
Anthoam supports the rights of individuals with disabilities under the Americans with Disabilities Act (ADA) and the Fair Housing Act, including reasonable accommodations in rules, policies, practices, or services and reasonable modifications to premises. While individual accommodation and modification decisions rest with property managers and HOA boards, the Platform includes features to facilitate accommodation requests and tracking. If you need a reasonable accommodation related to your use of the Platform itself, contact us using the information below.
Anthoam strives to conform to the Web Content Accessibility Guidelines (WCAG) 2.1 Level AA. Our ongoing accessibility efforts include:
To report housing discrimination, request a reasonable accommodation, or flag an accessibility barrier on the Platform, email accessibility@anthoam.com. We aim to respond within five (5) business days.
We reserve the right to modify these Terms at any time. We will provide notice of material changes by posting the updated Terms on the Platform and updating the "Last Updated" date. Your continued use of the Platform after any such changes constitutes your acceptance of the new Terms. If you do not agree to the revised Terms, you must stop using the Platform.
These Terms shall be governed by and construed in accordance with the laws of the United States and the state in which Anthoam is organized, without regard to its conflict of law provisions.
If you have any questions about these Terms of Service, please contact us at support@anthoam.com.
DISCLAIMER: These Terms of Service are provided as template language for the Anthoam platform. They have not been reviewed by legal counsel and should not be considered legal advice. Anthoam recommends consulting with a qualified attorney to review and customize these terms for your specific needs before relying on them in any legal capacity.
