Last updated September 8, 2026
Terms of Service
What we provide
HOA Records Direct locates, copies, organizes and delivers documents available through public recording systems. We are an independent records-retrieval service. We are not a homeowners association, property manager, county office, title company or law firm, and no government agency endorses this service.
Public Records Disclaimer
HOA Records Direct obtains documents and recording information from publicly available government recording systems and other public sources. We make reasonable efforts to accurately identify, organize and present records associated with each community, but we do not control the accuracy, completeness, indexing, availability or timeliness of the underlying public record.
Public indexes may contain delays, omissions, inconsistent or abbreviated names, duplicate entries, unavailable images, incorrect recording information or other errors. Documents may also have been amended, supplemented, restated, terminated, superseded or otherwise affected by later recordings.
A package reflects the records located under the search methods used and through the stated indexed-through date. We do not guarantee that a package contains every document affecting an association, community, parcel or property, or that any particular recorded document remains legally effective.
Users are responsible for independently verifying information that may affect legal rights, property ownership, restrictions, assessments, obligations, resale requirements or a real-estate transaction with the applicable association, governmental recording office, title professional, attorney or other qualified professional.
Not legal or title advice
Packages are informational copies of public records. They are not legal opinions, title searches, resale certificates, financial statements, account balances, violation letters or certifications of enforceability. Consult an appropriate professional before relying on a document for a legal, real-estate or financial decision.
Purchases and permitted use
Purchases are licensed for the buyer's personal or internal business use. Automated scraping or redistribution, resale of a package as an HOA Records Direct product, circumvention of access controls, interference with the site, fraudulent activity, or misuse of download links is prohibited.
User Submissions
When you submit information through the site, including a custom-research request, contact message, association or community name, address, notes, document, question or other material, you retain any ownership rights you may have in that material.
You grant HOA Records Direct a nonexclusive, worldwide, royalty-free license to receive, store, reproduce, review, use and process your submission only as reasonably necessary to operate the service, respond to you, perform requested research, maintain business records, prevent fraud or misuse, and comply with law.
You represent that you have the right to provide information you submit and that your submission will not knowingly contain unlawful, fraudulent, defamatory, infringing, malicious or harmful material. Do not submit passwords, Social Security numbers, full payment-card numbers or other sensitive credentials through free-text fields.
HOA Records Direct is not required to publish, display or retain user submissions indefinitely and may reject or remove submissions associated with spam, abuse, unlawful conduct or misuse of the service. Public-record documents obtained independently from government sources are not treated as user-generated content merely because a customer requested them.
Privacy and data practices
Our collection and use of personal information is described in our Privacy Policy, which is incorporated into these Terms by reference. By using the site, you acknowledge that information you provide will be processed as described in that policy.
No warranty; limitation of liability
Packages and services are provided "as is" and "as available," without warranty of any kind, express or implied, including warranties concerning accuracy, completeness, availability, merchantability, noninfringement or fitness for a particular purpose, to the extent permitted by law.
To the maximum extent permitted by law, HOA Records Direct's total liability arising from a package, custom research request or use of this site will not exceed the amount you paid for the product or service giving rise to the claim. We are not liable for indirect, incidental, special, exemplary or consequential damages, including delays, lost opportunities or losses connected with a real-estate, title or financial transaction.
Informal dispute resolution
Before beginning arbitration or filing a lawsuit other than an eligible small-claims action, you and HOA Records Direct agree to make a good-faith effort to resolve the dispute informally. Visit our Contact Us page and provide a written description of the dispute, the relief requested and any relevant order or request number. The parties will have 30 days from receipt of the notice to attempt to resolve the matter.
Binding individual arbitration
If a dispute is not resolved through the informal process, you and HOA Records Direct agree, to the extent permitted by applicable law, that any claim arising out of or relating to these Terms, the website, a purchase or our services will be resolved by binding arbitration on an individual basis rather than in court.
Arbitration will be administered by the American Arbitration Association under its applicable Consumer Arbitration Rules, unless the parties agree to another recognized arbitration provider. Arbitration may be conducted by telephone, video conference, written submissions or at another mutually agreed location as permitted by the applicable rules.
Either party may bring an individual claim in a court of competent jurisdiction that qualifies for small-claims treatment. Nothing in this section prevents either party from seeking temporary or injunctive relief where such relief is legally available and necessary to protect intellectual property, confidential information, account security or the integrity of the service.
Class-action and jury-trial waiver
To the fullest extent permitted by law, disputes subject to arbitration must be brought only in an individual capacity and not as a plaintiff, claimant or class member in any purported class, collective, consolidated or representative proceeding. Where a claim is subject to arbitration, you and HOA Records Direct waive the right to have that claim decided by a judge or jury.
Arbitration opt-out
You may opt out of the arbitration and class-action waiver provisions by visiting our Contact Us page within 30 days after the date you first accept these Terms. Include your full name, the email address associated with your use of HOA Records Direct, and the words "Arbitration Opt-Out." Opting out of arbitration does not affect the remaining provisions of these Terms.
Governing law
Except to the extent superseded by applicable federal law or another law that cannot legally be waived, these Terms are governed by the laws of the State of South Carolina, without regard to conflict-of-law principles.
Changes to these Terms
We may update these Terms when our services, legal requirements or business practices change. The current version and its effective date will be posted on this page. Material changes will apply prospectively to the extent required by law.
Contact
Questions about these Terms may be submitted through our Contact Us page.