Terms of Use

Effective Date: August 23, 2026
Last Updated: August 23, 2026

Welcome to the HOA Wealth Advisors website.

These Terms of Use (“Terms”) govern your access to and use of this website and any information, materials, tools, forms, downloads, educational content, or other resources made available through it.

The website is operated for or on behalf of HOA Wealth Advisors (“HOA Wealth Advisors,” “HOAWA,” “we,” “us,” or “our”).

By accessing or using this website, you agree to these Terms.

If you do not agree with these Terms, please do not use the website.

1. Purpose of This Website

The HOA Wealth Advisors website is intended to provide general information concerning:

community association financial planning;
reserve funding;
reserve strategy;
liquidity;
investment considerations;
reserve-study financial evaluation;
Board financial decision-making;
community-association financial education;
HOA Wealth Advisors' services; and
related financial topics.

The website is intended primarily for individuals acting in professional, organizational, management, or Board capacities on behalf of homeowners associations, condominium associations, community associations, management companies, and related organizations.

Website content is provided for general informational and educational purposes unless expressly stated otherwise.

2. Financial-Services Relationships

HOA Wealth Advisors operates in a regulated financial-services environment.

Depending on the nature of a particular relationship:

securities brokerage activities may be conducted through Transitional Brokers; and
investment advisory activities may be conducted through Lone Peak Advisers.

Those organizations may maintain separate agreements, disclosures, regulatory obligations, privacy notices, supervisory requirements, and terms governing regulated financial-services relationships.

Nothing on this website modifies or replaces any applicable:

advisory agreement;
brokerage agreement;
custodial agreement;
client agreement;
disclosure document;
regulatory notice;
privacy notice;
account agreement; or
other legally binding document.

Where a separate agreement governs a financial-services relationship, that agreement controls with respect to that relationship.

3. No Advisory Relationship Is Created by Using This Website

Accessing this website, reading website content, downloading materials, submitting information, completing a form, uploading documents, scheduling a conversation, or communicating with HOA Wealth Advisors does not by itself create an investment advisory, brokerage, fiduciary, client, consulting, or other professional relationship.

A formal financial-services relationship is created only through appropriate acceptance procedures and required documentation.

Until such a relationship has been established, you should not assume that HOA Wealth Advisors, Transitional Brokers, Lone Peak Advisers, or any related financial professional has agreed to:

provide individualized investment advice;
monitor an account;
monitor an association's financial condition;
provide ongoing recommendations;
execute transactions;
act as a fiduciary;
implement a financial strategy; or
provide any other continuing service.

4. Website Content Is Not Individualized Financial Advice

Information on this website is general in nature.

It is not intended to constitute individualized:

investment advice;
securities recommendations;
financial planning advice;
tax advice;
legal advice;
accounting advice;
engineering advice;
reserve-study certification;
insurance advice; or
other professional advice.

Financial decisions involving a community association may depend on numerous factors, including the association's:

governing documents;
applicable law;
financial condition;
operating budget;
reserve balances;
reserve study;
capital obligations;
liquidity requirements;
investment policy;
time horizon;
risk considerations;
Board decisions; and
other circumstances.

Information appearing on this website should not be relied upon as a substitute for analysis of an association's specific circumstances.

5. No Offer, Solicitation, or Recommendation

Nothing on this website should be interpreted as an offer to sell, solicitation to buy, or recommendation regarding any particular:

security;
investment;
investment strategy;
financial product;
insurance product;
account;
transaction; or
financial institution.

The availability of information concerning financial planning, reserves, liquidity, or investments does not mean that any particular strategy or investment is suitable for any particular association.

Any individualized recommendation, where appropriate, must be based on the association's circumstances and made through the proper financial-services relationship.

6. Investment Risk

Investing involves risk.

Different investments involve different levels and types of risk, liquidity, cost, volatility, maturity, protection, and potential for loss.

Past performance does not guarantee future results.

No investment strategy can guarantee:

a particular return;
protection from loss;
preservation of principal;
sufficient liquidity;
achievement of financial objectives; or
a particular future financial outcome.

Community associations should evaluate investment decisions in the context of their financial obligations, capital schedules, liquidity requirements, governing documents, applicable law, and approved financial objectives.

7. Financial Modeling and Scenario Analysis

HOA Wealth Advisors may provide educational examples or, within an appropriate professional relationship, financial modeling or scenario analysis.

Financial models and scenarios may rely on assumptions concerning matters such as:

revenues;
dues;
assessments;
reserve contributions;
inflation;
expenses;
project timing;
investment returns;
interest rates;
liquidity;
future obligations; and
other variables.

Actual results may differ materially from modeled results.

Financial scenarios are planning tools and should not be interpreted as predictions, guarantees, promises, or forecasts of actual investment performance or future financial condition.

Assumptions may change, actual expenses may differ from estimates, capital projects may occur earlier or later than anticipated, and financial markets may perform differently than modeled.

8. Reserve Studies and Engineering Information

HOA Wealth Advisors may evaluate the financial implications of information contained in an association's reserve study.

Unless expressly agreed otherwise in writing, HOA Wealth Advisors does not:

perform physical property inspections;
prepare engineering reserve studies;
certify reserve studies;
determine component useful lives;
independently verify replacement costs;
provide construction estimates;
perform engineering analysis;
certify statutory reserve-study compliance; or
replace the association's reserve-study professional, engineer, architect, or other qualified technical professional.

HOA Wealth Advisors may rely on reserve-study information supplied by the association or its professionals when conducting financial analysis.

9. Other Professional Advisers

HOA Wealth Advisors does not replace an association's:

attorney;
accountant;
tax professional;
auditor;
community manager;
engineer;
reserve-study provider;
insurance professional;
lender; or
other qualified professional.

Associations should consult the appropriate professional regarding legal, tax, accounting, engineering, insurance, reserve-study, or other specialized matters.

HOA Wealth Advisors may use information prepared by those professionals when evaluating the association's broader financial position.

10. Information Provided by Users and Associations

HOA Wealth Advisors may rely on information supplied by:

association representatives;
Board members;
officers;
community managers;
management companies;
accountants;
attorneys;
reserve-study providers;
financial institutions;
custodians;
other professionals; or
other authorized sources.

Unless expressly agreed otherwise, HOA Wealth Advisors is not responsible for independently auditing or verifying every piece of information provided.

By submitting information through the website or otherwise providing information to HOA Wealth Advisors, you represent that, to the best of your knowledge:

the information is reasonably accurate;
you are authorized to provide it;
providing the information does not violate another person's rights; and
the information is reasonably relevant to the purpose for which it is submitted.

You should promptly communicate material corrections to information previously provided.

11. Sensitive Information and Account Credentials

Do not submit passwords, online banking credentials, brokerage login credentials, PIN numbers, one-time authentication codes, security-question answers, private cryptographic keys, or similar account-access credentials through this website or ordinary email.

HOA Wealth Advisors does not need your online financial-account password in order to conduct financial analysis.

Where financial documents are requested, use an approved document-delivery or secure-upload process when available.

Submission of information through the website is also subject to our Privacy Policy.

12. Preliminary Evaluations and Initial Communications

HOA Wealth Advisors may review information submitted by an association or its representatives to determine whether additional financial analysis or advisory services may be appropriate.

A preliminary review is not necessarily:

an audit;
an attestation;
an independent verification;
a formal investment recommendation;
a reserve-study certification;
a legal opinion;
an accounting opinion; or
a guarantee that HOA Wealth Advisors will accept an engagement.

HOA Wealth Advisors may decline an engagement or request additional information at its discretion, subject to applicable law and regulatory requirements.

13. Board Authority and Decision-Making

HOA Wealth Advisors may provide financial analysis, recommendations, scenarios, education, or decision support.

The association's Board or other duly authorized decision-maker remains responsible for decisions made on behalf of the association.

Unless authority is specifically granted through an appropriate agreement or account authorization, HOA Wealth Advisors does not assume the Board's authority to approve:

budgets;
assessments;
reserve contributions;
capital projects;
investment policies;
transactions;
contracts;
expenditures; or
other association decisions.

Boards remain responsible for complying with applicable governing documents, fiduciary duties, laws, regulations, and internal approval processes.

14. Accuracy and Availability of Website Information

HOA Wealth Advisors attempts to provide useful and accurate information.

However, financial laws, regulations, market conditions, tax rules, technology, industry practices, and other circumstances change over time.

Website content may therefore become outdated, incomplete, or inaccurate.

We do not represent or warrant that all website content is:

complete;
current;
error-free;
suitable for every situation; or
continuously available.

HOA Wealth Advisors may update, revise, remove, or replace website content at any time.

You should verify information that may be material to a financial or legal decision.

15. Educational Materials and Resources

Articles, guides, illustrations, examples, charts, definitions, frameworks, downloadable materials, and other resources appearing on the website are provided for educational and informational purposes.

Educational materials may simplify complex topics for clarity.

Such materials should not be interpreted as a complete description of every financial, legal, investment, accounting, or regulatory consideration that may apply to a particular association.

16. Intellectual Property

Unless otherwise indicated, the website and its original content are owned by or licensed to HOA Wealth Advisors and are protected by applicable intellectual-property laws.

This includes, where applicable:

text;
written content;
page layouts;
graphics;
diagrams;
illustrations;
photographs;
logos;
branding;
downloadable materials;
educational resources;
financial frameworks;
proprietary terminology;
website design; and
other original materials.

You may access and use website content for lawful personal, internal association, or professional informational purposes.

Unless HOA Wealth Advisors gives written permission, you may not:

reproduce substantial portions of the website;
republish website content as your own;
sell or commercially distribute our materials;
create unauthorized derivative works;
remove copyright or proprietary notices;
scrape or systematically extract website content;
copy proprietary materials for competitive use;
misrepresent HOA Wealth Advisors content as your own; or
use our trademarks or branding in a manner suggesting endorsement or affiliation.

Nothing in these Terms transfers ownership of HOA Wealth Advisors intellectual property.

17. Permitted Sharing

You may generally share a link to publicly available HOA Wealth Advisors website content.

Association representatives may also share reasonable excerpts or downloaded materials internally with their Board, management team, or professional advisers for legitimate association purposes, provided the materials are not altered in a misleading way and ownership or attribution notices are preserved.

Commercial republication, resale, mass distribution, or incorporation of our content into another commercial product or service requires prior written authorization unless otherwise permitted by law.

18. Trademarks

The names, logos, marks, slogans, and branding associated with HOA Wealth Advisors may constitute trademarks or other protected intellectual property.

Nothing on this website grants a license to use those marks except as expressly authorized in writing.

Third-party names, marks, logos, and brands appearing on the website belong to their respective owners.

Reference to a third party does not necessarily imply sponsorship, endorsement, partnership, affiliation, or approval.

19. Prohibited Uses

You may not use this website in a manner that:

violates applicable law;
infringes intellectual-property rights;
invades another person's privacy;
attempts unauthorized access to systems or accounts;
introduces malware or malicious code;
interferes with website operation;
attempts to circumvent security measures;
performs unauthorized automated scraping or harvesting;
submits false or misleading information;
impersonates another person;
misrepresents authority to act for an association;
uses the website to transmit unlawful material;
overloads or disrupts website infrastructure; or
otherwise attempts to misuse the website or its resources.

We may restrict or terminate website access where we reasonably believe misuse has occurred.

20. User Submissions and Communications

If you submit information, comments, questions, documents, or other materials to HOA Wealth Advisors, you retain whatever ownership rights you otherwise have in your materials.

However, you authorize HOA Wealth Advisors to use, review, reproduce, store, process, and communicate that information as reasonably necessary to:

respond to your request;
evaluate a potential engagement;
provide requested services;
maintain business records;
comply with legal or regulatory obligations;
maintain security; or
otherwise carry out the purpose for which the information was submitted.

Submitting information does not require HOA Wealth Advisors to accept an engagement or provide services.

21. Electronic Communications

When you communicate with HOA Wealth Advisors electronically, you acknowledge that electronic communications carry risks.

Ordinary email and internet communications may be delayed, intercepted, misdirected, corrupted, or accessed by unauthorized persons.

Do not use ordinary email to send passwords, authentication credentials, or other highly sensitive access information.

Electronic communications may be retained as business records and may be subject to compliance supervision, regulatory recordkeeping, legal discovery, or other requirements.

22. Third-Party Websites and Services

This website may contain links to or integrations with third-party websites, platforms, or services.

These may include:

Wix;
scheduling platforms;
financial institutions;
custodians;
FINRA BrokerCheck;
government or regulatory websites;
social media platforms;
educational resources; and
other independent providers.

Links are provided for convenience or informational purposes.

HOA Wealth Advisors does not control and is not responsible for the independent:

content;
accuracy;
security;
availability;
privacy practices;
terms;
services; or
representations of third-party websites.

Use of third-party services is subject to the terms and policies of those providers.

23. No Endorsement

Reference to a company, financial institution, professional, product, website, service, organization, regulator, association, or other third party does not necessarily constitute an endorsement, recommendation, sponsorship, or partnership.

Similarly, a link from a third-party website to HOA Wealth Advisors does not necessarily indicate an affiliation with or endorsement by HOA Wealth Advisors.

24. Website Availability and Technology

We may modify, suspend, restrict, or discontinue all or part of the website at any time.

We do not guarantee that:

the website will always be available;
access will be uninterrupted;
every feature will function at all times;
the website will be free from errors;
technical failures will not occur; or
the website will be free from malicious software or unauthorized activity.

Users are responsible for maintaining reasonable security controls on their own devices and networks.

25. Disclaimer of Warranties

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THIS WEBSITE AND ITS CONTENT ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS.

HOA Wealth Advisors disclaims warranties, express or implied, concerning the website and its content, including warranties of:

accuracy;
completeness;
merchantability;
fitness for a particular purpose;
noninfringement;
uninterrupted availability; or
error-free operation,

to the extent such warranties may lawfully be disclaimed.

Nothing in these Terms limits any warranty or duty that cannot legally be excluded.

26. Limitation of Liability

To the maximum extent permitted by applicable law, HOA Wealth Advisors and its owners, officers, employees, representatives, contractors, and service providers will not be liable for indirect, incidental, consequential, special, exemplary, or punitive damages arising solely from use of, inability to use, or reliance on this website or its general informational content.

This includes, where permitted by law, damages associated with:

lost opportunities;
lost data;
website interruption;
technical failure;
third-party websites;
reliance on outdated website information; or
unauthorized use of the website by another person.

Nothing in these Terms is intended to waive, disclaim, or limit a duty, liability, right, or remedy that applicable securities laws, investment-adviser laws, broker-dealer rules, consumer-protection laws, or other applicable law does not permit to be waived or limited.

Nothing in this section modifies obligations created by a separate advisory, brokerage, custodial, or other client agreement.

27. Indemnification

To the extent permitted by applicable law, you agree to be responsible for claims, losses, liabilities, damages, costs, or expenses arising from your unlawful or unauthorized:

misuse of the website;
violation of these Terms;
infringement of another person's rights;
submission of information you were not authorized to provide; or
misuse of HOA Wealth Advisors intellectual property.

This provision does not apply to the extent liability results from conduct for which indemnification may not lawfully be required.

28. Regulatory Rights Are Preserved

Nothing in these Terms should be interpreted as:

waiving compliance with federal or state securities laws;
waiving any right that legally cannot be waived;
limiting a regulator's authority;
preventing communication with a regulator;
preventing a person from reporting a possible legal or regulatory violation;
restricting legally protected whistleblower activity; or
requiring an individual to waive a legally protected remedy.

Applicable law controls where these Terms conflict with a non-waivable legal right.

29. Governing Law

Except where another applicable agreement or non-waivable law provides otherwise, these Terms and use of this website are governed by the laws of the State of Utah, without regard to conflict-of-law principles.

Any dispute concerning use of this website that is not governed by a separate binding agreement will be subject to the jurisdiction of an appropriate state or federal court located in Utah, to the extent permitted by applicable law.

Any separate advisory, brokerage, custodial, or other financial-services agreement may contain different dispute-resolution or governing-law provisions, and those provisions will control with respect to that agreement.

30. Severability

If any provision of these Terms is determined to be invalid, unlawful, or unenforceable, that provision will be enforced to the maximum extent permitted by law or, where appropriate, severed.

The remaining provisions will continue in effect.

31. No Waiver

Failure by HOA Wealth Advisors to enforce a provision of these Terms does not constitute a waiver of that provision or of our right to enforce it later.

A waiver is effective only if expressly made by an authorized representative where legally required.

32. Assignment

You may not transfer or assign rights arising under these Terms in connection with misuse of the website without our consent.

HOA Wealth Advisors may assign or transfer its rights and obligations relating to the website in connection with a business reorganization, succession, merger, sale, or similar transaction, subject to applicable law.

33. Changes to These Terms

HOA Wealth Advisors may update these Terms periodically to reflect changes in:

the website;
services;
technology;
business operations;
regulatory requirements;
legal requirements; or
company policies.

The current version will be posted on this page with a revised “Last Updated” date.

Continued use of the website after updated Terms are posted constitutes acceptance of the updated Terms to the extent permitted by applicable law.

Changes to these website Terms do not modify a separate signed client agreement unless that agreement expressly provides otherwise.

34. Entire Agreement Regarding Website Use

These Terms, together with the HOA Wealth Advisors Privacy Policy and any other legal notices expressly incorporated into the website, govern general use of this website.

They do not replace separately executed agreements governing regulated financial services or other professional relationships.

35. Contact

Questions concerning these Terms may be directed to:

HOA Wealth Advisors
Email: Info@HOAwealthadvisors.com

Please do not send passwords, banking credentials, brokerage credentials, authentication codes, or other highly sensitive information through ordinary email.

Financial-Services Notice

This website provides general information concerning HOA Wealth Advisors and community-association financial matters. Securities brokerage activities may be conducted through Transitional Brokers, and investment advisory activities may be conducted through Lone Peak Advisers.

Any regulated financial-services relationship is subject to applicable agreements, disclosures, regulatory requirements, and eligibility or acceptance procedures. Nothing on this website guarantees investment results or creates an advisory or brokerage relationship solely through website use.