Terms of Service

1. What Asset Pal is

Asset Pal is a subscription software service for homeowners associations, condominium associations, and their boards. It helps treasurers and board members organize documents, track asset health and reserve funding, draft board records, and ask questions of an AI assistant trained on the association's own documents and a general CPA knowledge base.

Asset Pal is operated by BRT Publications LLC (“we,” “us”). By creating an account or using the service, you agree to these Terms of Service. If you use Asset Pal on behalf of an association, you represent that you are authorized to bind that association to these terms.

2. Not professional advice

Asset Pal provides general guidance, planning indicators, and draft documents. It does not provide legal, tax, accounting, engineering, or reserve-study advice, and it is not a substitute for a licensed CPA, attorney, or reserve study professional.

Health scores, photo condition assessments, funding projections, and AI-generated answers are estimates for planning purposes only. Boards remain responsible for their own decisions. The business judgment rule protects directors who make informed decisions in good faith — Asset Pal helps you document that process, but the judgment itself is yours.

Always have a qualified professional review tax filings, reserve studies, contracts, and legal documents before relying on them.

3. Accounts and roles

Each association has a workspace with role-based access: Treasurer, Accountant, Board Member, and Property Manager. The person who creates the workspace is its first Treasurer and is responsible for inviting members and assigning roles.

You are responsible for keeping your sign-in credentials confidential and for all activity under your account. Tell us promptly at support@assetpal.ai if you believe your account has been compromised.

Document visibility levels (All Association Members, Board Only, Private) are enforced by the service, but you are responsible for choosing the right level for each document and for managing your membership list.

4. Subscriptions, billing, and trials

Asset Pal is sold as a monthly or annual subscription. Plans are based on the number of units in your association: Board (up to 50 units), Board Plus (51–999 units), and Board Pro (1,000+ units). Annual plans include two months free.

New associations receive a 14-day free trial. No payment is required to start a trial. At the end of the trial, continued use requires a paid subscription.

You must subscribe to the plan that matches your association's actual unit count. If your unit count grows past your plan's limit, we will ask you to upgrade; we may limit access until you do.

Subscriptions renew automatically at the end of each billing period until cancelled. You may cancel at any time from the Billing section of Settings; cancellation takes effect at the end of the current paid period, and no partial-period refunds are given except where required by law.

Payments are processed by Stripe. By subscribing you also agree to Stripe's terms. Prices are in US dollars and exclude applicable sales tax, which Stripe calculates and collects where required.

5. Your content

You retain all rights to the documents, photos, and data you upload (“your content”). You grant us a limited license to store, process, and transmit your content solely to operate the service for you — including extracting text, generating embeddings for search, and producing AI answers for your members.

You represent that you have the right to upload your content and that it does not violate any law or third-party rights. Do not upload content you are not authorized to share.

We do not sell your content, use it to advertise to you, or use one association's content to answer another association's questions.

6. Acceptable use

You agree not to: misuse the service or interfere with its operation; attempt to access another association's workspace or data; upload malware or unlawful content; use the service to provide professional services to third parties unless your plan permits it; or reverse-engineer the service except as permitted by law.

We may suspend or terminate accounts that violate these terms, with notice where practicable.

7. AI-generated output

Answers, reports, and drafts produced by the AI assistant may contain errors or omissions. Citations point to your documents so you can verify the source — always review output before relying on it or distributing it to your board or members.

8. Disclaimers and limitation of liability

The service is provided “as is” and “as available.” To the fullest extent permitted by law, we disclaim all warranties, express or implied, including merchantability, fitness for a particular purpose, and non-infringement.

To the fullest extent permitted by law, BRT Publications LLC will not be liable for indirect, incidental, special, consequential, or punitive damages, or for lost profits, lost data, or board decisions made in reliance on the service. Our total liability for any claim arising from the service is limited to the amount you paid us in the twelve months before the claim.

9. Termination and data export

You may close your workspace at any time. When a subscription ends, your data remains available for export for 90 days, after which it may be deleted. We may terminate the service or these terms with 30 days' notice.

10. Changes, governing law, and contact

We may update these terms from time to time. We will notify subscribers of material changes by email or in-app notice at least 14 days before they take effect. Continued use after the effective date constitutes acceptance.

These terms are governed by the laws of the State of Maryland, without regard to conflict-of-laws rules. Disputes will be resolved in the state or federal courts located in Maryland, unless applicable law requires otherwise.

Questions about these terms: support@assetpal.ai, or BRT Publications LLC, Berlin, Maryland.