Terms of Use

Last updated October 13, 2026

These terms govern your use of joinshoulder.com (the "Website"), operated by [LEGAL ENTITY NAME] ("Shoulder", "we", "us"). By using the Website you agree to them. If you do not agree, do not use the Website. Our Privacy Policy explains how we handle your information.

1. Who may use the Website

The Website is for businesses and their authorized representatives who are at least 18 years old. If you use it on behalf of a company, you confirm you have authority to bind that company to these terms.

2. Information only; no offer of coverage

The Website describes a program that is in development. Nothing here is an offer, solicitation or advertisement of insurance, a service contract or any other coverage, and nothing here creates a contract between you and Shoulder. Plans, prices, limits, fees, waiting periods, reimbursement timing, availability and other terms shown are illustrative and may change. Coverage, if any, is provided only under a separate written agreement and is subject to its terms, conditions and exclusions, any required licensing or approvals, and underwriting or regulatory review. It may not be available in every state. Examples, illustrations and claim mockups are not actual claims, customers or results.

3. Early-access requests

Submitting a form expresses interest only. It does not obligate you or us, and we may decline, delay or withdraw any request or pilot invitation at any time.

4. What you submit

You are responsible for the accuracy of what you submit and confirm you have the right to provide it. You agree that we may use it to contact you and as described in our Privacy Policy. Do not submit confidential, sensitive or personal information about residents, owners or other third parties through the Website.

5. Acceptable use

You agree not to:

• use the Website unlawfully or to infringe anyone's rights;
• submit false, misleading or someone else's information;
• attempt to disrupt, probe or gain unauthorized access to the Website or its systems;
• send spam, malware or automated submissions, or use bots or scrapers without our written permission; or
• copy, resell or use the Website to build a competing product or service.

6. Ownership

The Shoulder name, logo, Website design and content belong to us or our licensors and are protected by law. We grant you a limited, revocable, non-transferable license to view the Website for your own internal business evaluation. You may not copy, modify or reuse it without our written permission.

7. Feedback

If you send us ideas or suggestions, we may use them without obligation or payment to you.

8. Third-party links

The Website may link to third-party sites and refer to third-party products, such as property management software. We do not control or endorse them, and references do not imply affiliation, partnership or endorsement. Names and trademarks belong to their owners.

9. Disclaimers

The Website is provided "as is" and "as available". To the fullest extent the law allows, we disclaim all warranties, express or implied, including merchantability, fitness for a particular purpose, accuracy and non-infringement. We do not promise the Website will be uninterrupted, error-free or secure.

10. Limitation of liability

To the fullest extent the law allows, Shoulder and its affiliates, officers, employees and agents are not liable for indirect, incidental, special, consequential or punitive damages, or for lost profits, revenue or data, arising from your use of, or reliance on, the Website. Our total liability for any claim relating to the Website will not exceed $100. Some jurisdictions do not allow certain limits, so parts of this section may not apply to you.

11. Indemnification

You agree to defend and indemnify Shoulder against claims, losses and expenses (including reasonable legal fees) arising from your misuse of the Website or violation of these terms.

12. Governing law and disputes

These terms are governed by the laws of the State of [GOVERNING STATE], without regard to conflict-of-law rules. Any dispute relating to the Website will be brought in the state or federal courts located in [COUNTY, STATE], and you consent to their jurisdiction. [Counsel to decide whether to add arbitration and a class-action waiver.]

13. Changes and termination

We may change the Website or these terms at any time by posting an updated version with a new date. Continued use after a change means you accept it. We may suspend or end your access at any time.

14. General

These terms are the entire agreement about use of the Website. If a provision is unenforceable, the rest remains in effect. Our failure to enforce a provision is not a waiver. You may not assign these terms; we may.

15. Contact

[LEGAL ENTITY NAME]
[MAILING ADDRESS]
hello@joinshoulder.com