Terms of Use

These Terms of Use ("Terms") govern your use of homeowneraffairs.com and any related services operated by Homeowner Affairs ("we," "us," or "our"). By accessing this website, calling our homeowner helpline, or otherwise using our services, you agree to be bound by these Terms. If you do not agree, do not use this website or our services.

1. Who We Are

HomeownerAffairs.com is a for-profit consumer research and editorial publication. We are not a government agency, not a licensed contractor, not a home inspection firm, and not a nonprofit organization. We publish educational content about home safety and operate a homeowner helpline that connects callers with independently licensed service providers. Our helpline is a commercial referral service. We are compensated through referral fees when homeowners connect with and engage service providers through our platform.

2. Content Is for Informational Purposes Only

All content published on this website — including articles, guides, checklists, reader comments, and any other material — is provided for general informational and educational purposes only. Nothing on this website constitutes professional advice of any kind, including but not limited to:

• Structural or engineering advice
• Legal advice
• Medical or health advice
• Insurance advice
• Financial advice
• Advice from a licensed home inspector, contractor, or remediator

You should always consult a licensed professional before making decisions about your property, health, safety, finances, or legal situation. The presence of information on this website does not create a professional-client relationship of any kind.

3. Homeowner Helpline

Our helpline is not an emergency service. If you are experiencing an active emergency — a gas leak, fire, carbon monoxide poisoning, flooding, structural collapse, or any other situation requiring immediate response — call 911 or your local emergency services immediately. Do not call our helpline for emergencies.

When you contact our helpline, you are engaging with a commercial referral service. We will attempt to connect you with a service provider in your area who may be able to help. We do not employ or supervise these providers. We do not guarantee their availability, quality of service, licensing, pricing, or outcomes. Any contract, warranty, or obligation you enter into with a referred provider is between you and that provider.

We may receive a referral fee when you engage a provider through our helpline. This fee is paid by the service provider. You are not charged for the referral.

4. Accuracy of Information

We make reasonable efforts to ensure that information published on this website is accurate and current at the time of publication. However, we make no warranties, express or implied, regarding the accuracy, completeness, reliability, or fitness for a particular purpose of any content on this site. Building codes, industry standards, insurance policies, and contractor practices vary by location and change over time. Always verify information independently and consult local professionals for guidance specific to your property and jurisdiction.

5. User Conduct

By using this website, you agree not to:

• Use the site or helpline for any unlawful purpose
• Misrepresent your identity or homeownership status when contacting our helpline
• Attempt to abuse, harvest, or scrape data from our website
• Interfere with or disrupt the operation of our website or servers
• Use our content for commercial purposes without prior written permission
• Submit false or misleading information through any form or communication with us

6. Intellectual Property

All content on this website — including text, images, logos, graphics, and site design — is owned by or licensed to Homeowner Affairs and is protected by United States copyright law. You may share individual articles or summaries for personal, non-commercial purposes with proper attribution and a link back to the original URL. You may not reproduce, republish, sell, or distribute our content without prior written permission.

7. Disclaimer of Warranties

THIS WEBSITE AND ALL SERVICES PROVIDED THROUGH IT ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE WEBSITE WILL BE UNINTERRUPTED, ERROR-FREE, OR FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.

8. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, HOMEOWNER AFFAIRS AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM YOUR USE OF THIS WEBSITE, OUR HELPLINE, OR ANY SERVICES PROVIDED BY REFERRED SERVICE PROVIDERS. THIS INCLUDES, WITHOUT LIMITATION, DAMAGES ARISING FROM RELIANCE ON ANY CONTENT PUBLISHED ON THIS SITE, OUTCOMES OF SERVICE PROVIDER REFERRALS, OR ERRORS OR OMISSIONS IN ANY CONTENT. OUR TOTAL LIABILITY TO YOU FOR ANY CLAIM ARISING FROM USE OF THIS WEBSITE SHALL NOT EXCEED $100.

9. Third-Party Services and Links

Our website may link to third-party websites or reference third-party services, including the websites of service providers referred through our helpline. We have no control over and assume no responsibility for the content, privacy policies, or practices of third-party websites or services. The inclusion of a link or reference does not constitute our endorsement.

10. Indemnification

You agree to indemnify, defend, and hold harmless Homeowner Affairs, its officers, directors, employees, and agents from any claims, liabilities, damages, losses, or expenses (including reasonable attorneys' fees) arising from your violation of these Terms, your use of this website, or your interactions with any service provider referred through our helpline.

11. Governing Law and Dispute Resolution

These Terms are governed by the laws of the State of Delaware, without regard to its conflict-of-law provisions. Any dispute arising from or relating to these Terms or your use of this website shall be resolved through binding individual arbitration administered by the American Arbitration Association under its Consumer Arbitration Rules, and not through class action. You waive any right to participate in a class-action lawsuit or class-wide arbitration.

12. Changes to These Terms

We reserve the right to update these Terms at any time. We will post the revised Terms on this page with an updated effective date. Your continued use of the website after any update constitutes your acceptance of the revised Terms.

13. Contact