Effective date: July 3, 2026. These terms govern your use of this website and your purchase of any Homeowners Desk digital product. By using this site or purchasing a product, you agree to all of the following. Please read them — particularly Sections 1, 2, and 3 — before you buy.
Everything on this website and inside every Homeowners Desk product — guides, checklists, calculators, spreadsheets, templates, scripts, letters, articles, and tools (collectively, the "Products") — is general educational information prepared for a broad audience of homeowners.
If your situation involves significant money, a live dispute, a lien, a denied claim, foreclosure exposure, or litigation of any kind, consult a licensed attorney in your state. The Products are designed to make you a better-informed consumer of professional services — not to replace them.
ALL SALES ARE FINAL. NO REFUNDS ARE AVAILABLE FOR ANY REASON.
Every Homeowners Desk Product is digital content, delivered in full, immediately and automatically upon completion of purchase. The moment your download becomes available, you permanently possess the complete Product — which is precisely why it cannot be returned, exchanged, or refunded. There is no trial period, no evaluation window, and no partial refund.
By completing a purchase you expressly:
Each sales page describes exactly what its Product contains — components, page counts, file formats, and scope limitations — so you can make a fully informed decision before paying. If you are uncertain whether a Product fits your needs, do not purchase it. Purchases are processed by our merchant of record, Lemon Squeezy, and are also subject to its terms of sale.
The Products teach concepts, frameworks, and documentation practices. No outcome is promised or guaranteed. We make no representation that using any Product will prevent a dispute, win a negotiation, avoid a lien, increase an insurance settlement, save money, or produce any other particular result. Outcomes depend on facts, documents, jurisdictions, counterparties, and decisions entirely outside our knowledge or control. Any examples, illustrations, or dollar figures in the Products or on this site are illustrative or drawn from cited third-party sources, not promises about your results.
Your purchase grants you a personal, non-exclusive, non-transferable license to use the Product for your own household's purposes. You may not resell, redistribute, republish, share, sublicense, or make the Products available to others, in whole or in part, whether for payment or free of charge. Professionals (contractors, agents, adjusters, property managers, attorneys) may not use the Products as client deliverables without a separate written license. All Products, content, and tools are © 2026 The Homeowners Desk and protected by copyright law.
Spreadsheets and interactive calculators (free or paid) perform arithmetic on the numbers you enter, using stated assumptions that are visible in the tools themselves. They are educational estimation aids, not professional valuations, appraisals, cost estimates, or advice. Verify any figure that matters with the relevant professional or source document before acting on it.
To the fullest extent permitted by law: the site and Products are provided "as is" and "as available," without warranties of any kind, express or implied, including merchantability, fitness for a particular purpose, accuracy, and non-infringement. Neither The Homeowners Desk nor its operators shall be liable for any indirect, incidental, consequential, special, exemplary, or punitive damages, or for any loss of money, property, claims, deals, or opportunities, arising from or related to the site or any Product, even if advised of the possibility. In all events, total aggregate liability shall not exceed the amount you paid for the Product giving rise to the claim. Some jurisdictions do not allow certain exclusions or limitations; in those jurisdictions, these provisions apply to the maximum extent permitted.
The site and Products may reference or link to third-party websites, statistics, and resources (including government sources). These are provided for convenience and context; we do not control them and are not responsible for their content, accuracy, or availability.
We may update these terms, the site, and the Products from time to time. The terms in effect at the time of your purchase govern that purchase. Continued use of the site after changes constitutes acceptance of the updated terms.
Questions about these terms or a Product's contents (before you buy — see Section 2): contact the address provided at checkout.
The short version, one more time: everything here is education, not legal advice; no professional relationship is created; results aren't guaranteed; digital products are delivered instantly and permanently; and because of that, all sales are final — no refunds, no exceptions. Read the sales page, then decide.