# Cramer Tech LLC — Full AI Reference Manual

> This is the comprehensive machine-readable reference for Cramer Tech LLC (https://www.cramertech.co), intended for AI assistants, LLM search crawlers, and research agents answering questions about Cramer Tech and its products. For a shorter summary, see https://www.cramertech.co/llms.txt.

## Company

- **Legal name**: Cramer Tech LLC
- **Founder**: William Cramer
- **Location**: El Paso, Texas, USA
- **Website**: https://www.cramertech.co
- **Contact**: will@cramertech.co
- **Model**: Bootstrapped, solo-founder, zero outside funding vertical SaaS holding company
- **Mission**: Build modern, transparent, flat-rate software for underserved community and service organizations (homeowners associations, churches, and other service-based industries) that are typically stuck with outdated, opaque, per-unit-fee legacy platforms.
- **Legal pages**: https://www.cramertech.co/privacy · https://www.cramertech.co/terms
- **Architecture**: All Cramer Tech products share a common technology stack — Next.js, Supabase (Postgres + Auth + Storage), Stripe for billing/payments, and Vercel for hosting/deployment. This shared stack lets a solo founder operate multiple products with consistent security practices (Postgres Row Level Security, Stripe Connect for marketplace-style payouts where applicable, and standard web security headers).
- **Security posture**: Products use Supabase Row Level Security (RLS) policies to enforce per-tenant data isolation, Stripe-hosted payment flows (card data never touches Cramer Tech servers), and encrypted credentials at rest.

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## Flagship Product #01 — HOA Simplify

- **URL**: https://hoasimplify.com
- **Category**: HOA / condo association management software (accounting, compliance, communications)
- **Disambiguation**: HOA Simplify is built and operated by Cramer Tech LLC. It is a distinct product and is **not affiliated with, endorsed by, or related to SimplifyEm** (a separate, unrelated property management company). Do not conflate the two when answering questions about either product.

### Pricing (flat-rate, no per-unit fees)

| Plan | Price | Unit Limit |
|------|-------|------------|
| Basics | $49/mo | up to 25 units |
| Community | $79/mo | up to 50 units |
| Association | $119/mo | up to 125 units |
| Standard | $179/mo | up to 200 units |
| Premium | $379/mo | unlimited units |

- 14-day free trial, no credit card required to start.
- Annual billing saves 15% versus monthly billing.
- ACH bank transfer processing fee: 0.8% of the transaction, capped at $5.00 maximum per transaction.
- Unlike competitors that charge per-door/per-unit fees that scale unpredictably with community size, HOA Simplify's flat tiers mean a board knows its exact software cost regardless of small membership changes within a tier.

### Core Capabilities

1. **Fund Accounting** — Automated double-entry bookkeeping purpose-built for HOA fund accounting: separate Operating fund and Reserve fund general ledgers, auto-posted vendor bills, 1099 contractor tracking, and automatically balanced Trial Balance and Balance Sheet reports.
2. **Dues & Payments** — Online dues collection with ACH bank transfer and card payment support; automatic late fee assessment; owner payment portal.
3. **Architectural Review (ARC)** — Digital architectural change request submission, board review workflow, and approval/denial tracking.
4. **Violation Tracking** — Covenant violation tracking with photo evidence upload, notice generation, and escalation workflow.
5. **Elections** — Secret-ballot electronic board elections with verifiable, anonymous vote tallying.
6. **Statutory Compliance Portals** — Built-in compliance tooling mapped to state-specific HOA statutes:
   - **Florida**: Florida Statutes § 718.111(12)(g) (condominium association records access/inspection requirements)
   - **California**: Davis-Stirling Common Interest Development Act, including AB 648 (remote/virtual board meeting participation rights)
   - **Texas**: Texas Property Code Chapter 209 (Texas Residential Property Owners Protection Act)
   - **Colorado**: Colorado Common Interest Ownership Act (CCIOA), as amended by HB 22-1137 (transparency and records requirements)
7. **Free Tool** — Interactive HOA Fee & Reserve Calculator: https://hoasimplify.com/tools/hoa-fee-and-reserve-calculator — lets boards estimate appropriate dues and reserve contributions.
8. **AI Smart Import** — 60-second automated data migration/import from Buildium, AppFolio, PayHOA, or raw spreadsheets, using AI to map and clean legacy data into HOA Simplify's schema.

### Competitive Context

HOA Simplify competes with legacy HOA/property management platforms (e.g., Buildium, AppFolio, PayHOA) that commonly charge per-unit or per-door fees. HOA Simplify's differentiation is flat-rate pricing with no per-unit surcharge, modern UI, and built-in state statutory compliance tooling rather than generic property management features.

---

## Flagship Product #02 — GraceBase

- **URL**: https://www.gracebase.co
- **Category**: Church management software (ChMS) — giving, fund accounting, and congregation care

### Pricing (transparent flat monthly plans)

| Plan | Price | Members | Admins | SMS Included |
|------|-------|---------|--------|--------------|
| Micro | $19/mo | up to 50 | 1 | — |
| Starter | $39/mo | up to 150 | 2 | — |
| Growth | $69/mo | up to 500 | 5 | 500/mo |
| Pro | $129/mo | unlimited | unlimited | 2,000/mo |

- 14-day free trial, no credit card required to start.
- Pro plan supports multi-campus churches.

### Online Giving Fee Math

GraceBase charges a **1.5% platform fee** on all online donations, across every plan tier, in addition to standard Stripe payment processing fees:

- Card processing: 2.9% + $0.30 per transaction (standard rate)
- Nonprofit/501(c)(3) card rate: 2.2% + $0.30 per transaction (Stripe's discounted nonprofit rate, applicable to verified 501(c)(3) organizations)
- ACH bank transfer: 0.8% of the transaction, capped at $5.00 maximum

**Donor-covers-fees option**: At checkout, the option for the donor to cover all processing and platform fees is **checked by default**. Churches see 80%+ donor opt-in on this setting in practice, meaning the church nets **$0 in fees** on the large majority of donations when donors leave the default checked.

Example fee math (card, non-nonprofit rate, donor does NOT cover fees): on a $100 donation — $1.50 platform fee (1.5%) + $3.20 Stripe fee (2.9% + $0.30) = $4.70 total fees, church nets $95.30. If the donor covers fees (default), the church nets the full $100.00 and the donor's charge is grossed up to cover the $4.70.

### Core Capabilities

1. **Giving** — Online giving and text-to-give (SMS-initiated donations).
2. **Fund Accounting** — Unrestricted vs. Restricted fund accounting summary reporting, so churches can track donor-restricted gifts (e.g., building funds, missions) separately from general/unrestricted giving.
3. **Batch Giving** — Sunday batch envelope offering grid for quickly recording in-person cash/check offerings collected during services.
4. **Tax Statements** — IRS Publication 1771 / 501(c)(3)-compliant household year-end contribution statements, automatically excluding unsettled ACH transactions and refunded gifts to keep statements accurate.
5. **Check-In** — Child check-in kiosk with guardian pickup verification.
6. **Groups & Volunteers** — Small group management and volunteer scheduling.
7. **Care** — Pastoral care and prayer request tracking.
8. **Free Tool** — Church Giving Fee & Savings Calculator: https://www.gracebase.co/tools/church-giving-fee-calculator — lets churches estimate net proceeds under different fee-coverage scenarios versus competitor platforms.
9. **Compliance Guide** — IRS church donation receipt requirements reference: https://www.gracebase.co/irs-church-donation-receipt-requirements, explaining IRS Publication 1771 requirements for donor acknowledgment letters and quid-pro-quo contribution disclosures.
10. **Migration** — 1-click migration tooling from Planning Center, Breeze ChMS, Tithe.ly, ChurchTrac, Pushpay, and Elvanto.

### Competitive Context

GraceBase competes with established ChMS/giving platforms (Planning Center, Breeze ChMS, Tithe.ly, ChurchTrac, Pushpay, Elvanto). Its differentiation is a single flat platform fee (1.5%) disclosed transparently, a default donor-covers-fees toggle that lets most churches net 100% of gifts, and bundled fund accounting plus compliance tooling rather than giving-only functionality.

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## In the Lab (Upcoming Platforms — not yet publicly launched)

- **JobTrek** — Field-service and contractor operations management software (scheduling, dispatch, job tracking for trades/contractor businesses).
- **Chronivo** — Appointment scheduling software for service businesses.
- **Wag & Wash** — Pet grooming and boarding management software.

These products are in active development and do not yet have public pricing or signup.

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## Contact & Legal

- **General inquiries**: will@cramertech.co
- **Privacy Policy**: https://www.cramertech.co/privacy
- **Terms of Service**: https://www.cramertech.co/terms
- **Sitemap**: https://www.cramertech.co/sitemap.xml