Terms of service

Welcome to Hoa Responder. By using our website and purchasing our digital products, you agree to the following Terms of Service.

1. DIGITAL PRODUCTS & REFUNDS
All products sold on Hoa Responder are digital goods (PDF guides, templates, and digital files). We offer a 30-day money-back guarantee from the date of purchase. If you are not satisfied, you can request a full refund by contacting us at supporthoaresponder@gmail.com.

2. EDUCATIONAL PURPOSE ONLY
The information and products provided on this site are for educational and self-help purposes only and do not constitute legal advice. Hoa Responder is not a law firm, and purchasing our materials does not create an attorney-client relationship.

3. INTELLECTUAL PROPERTY
All content included on this site, such as text, graphics, logos, images, and digital downloads, is the property of Hoa Responder and protected by international copyright laws. You may use the materials for your personal, non-commercial use only.

4. CONTACT INFORMATION
Questions about these Terms of Service should be sent to us at:
Email: supporthoaresponder@gmail.com