PRIVACY POLICY Effective Date: November 10, 2025 Thank you for visiting homeownerprogram.net or one of our affiliated websites (collectively, the "Site"). The Site is owned and operated by Homeowner Program LLC ("Company," "we," "our," or "us"). Throughout this Privacy Policy, references to "we," "us," "Homeowner Program," and "our" pertain to Homeowner Program LLC and its affiliates. The term "User" or "you" refers to any individual who accesses any part of the Site at any time. Homeowner Program LLC respects your privacy rights. This Privacy Policy describes how we collect, use, secure, share, disclose, and sell your Personal Information in connection with our Site and services (collectively, the "Services"). Please read this Privacy Policy carefully to understand how we will treat your Personal Information. BY USING THE SITE, SUBMITTING ANY INFORMATION, OR UTILIZING ANY SERVICES, YOU ACCEPT THIS PRIVACY POLICY. IF YOU DO NOT AGREE TO THE TERMS OF THIS PRIVACY POLICY IN ITS ENTIRETY, YOU SHOULD NOT ACCESS THE SITE, SUBMIT ANY FORMS, OR USE ANY SERVICES. We do not knowingly collect information from or about children under the age of 18, and if accidentally collected, it is deleted upon discovery. We may change or update this Privacy Policy at any time by posting the revised policy on the Site with no further notice to you. ================================================================================ 1. INFORMATION WE COLLECT ================================================================================ We may collect information that personally identifies, relates to, describes, or is capable of being associated with you (collectively, "Personal Information"), including: IDENTIFIERS • Full name • Physical address (home and/or business) • Email address • Telephone number (home, mobile, and/or business) • IP address • Device identifiers • Online identifiers • Account credentials CHARACTERISTICS OF PROTECTED CLASSIFICATIONS • Age • Date of birth • Gender (if provided) DEMOGRAPHIC INFORMATION • Homeownership status • Length of homeownership • Property type and details • Household information COMMERCIAL INFORMATION • Products or services purchased, obtained, or considered • Service inquiries and requests • Transaction history • Profile information relating to your interests • Feedback and communication preferences • Social media activities • Actions taken online (opening emails, clicking links) INTERNET OR OTHER ELECTRONIC NETWORK ACTIVITY INFORMATION • Browsing history on our Site • Search history on our Site • Information regarding your interaction with our Site, emails, or advertisements • IP address and log data • Analytics data • Device ID and device information • Browser type and version • Operating system information • Referring/exit pages • Date and time stamps • Clickstream data • Cookie data and information collected through similar technologies GEOLOCATION DATA • General geographic location based on IP address • Precise geolocation (only if you provide express consent) AUDIO, ELECTRONIC, VISUAL, OR SIMILAR INFORMATION • Recordings of phone calls between you and us or our service providers (where permitted by law) • Recordings and snapshots of users who fill out our registration forms (retained for proof of legal compliance) • Chat transcripts and communications PROFESSIONAL OR EMPLOYMENT-RELATED INFORMATION • Job title or occupation (if provided) • Employer information (if provided) INFERENCES DRAWN FROM PERSONAL INFORMATION • Profiles reflecting your preferences, characteristics, trends, predispositions, behavior, attitudes, intelligence, abilities, and aptitudes • Analysis used to determine what content, advertisements, products, or services may interest you Personal Information does not include: • Publicly available information from government records • De-identified or aggregated consumer information • Information excluded from the scope of applicable privacy laws ================================================================================ 2. HOW WE COLLECT INFORMATION ================================================================================ We collect Personal Information in three primary ways: 2.1 INFORMATION YOU PROVIDE TO US We collect Personal Information directly from you when you: • Fill out forms on our Site (registration forms, contact forms, information request forms) • Request information about products or services • Contact us via email, phone, or other means • Participate in surveys, contests, or promotions • Subscribe to newsletters or communications • Create an account or profile • Communicate with our customer service team • Provide feedback or testimonials • Participate in any interactive features of the Site Providing information is voluntary; however, certain Services may not be available without it. 2.2 INFORMATION AUTOMATICALLY COLLECTED When you visit or interact with the Site or our emails, we automatically collect information using various technologies, including: COOKIES Similar to most website operators, we use "cookies" to collect information about your visit. A cookie is a small, encrypted text file placed on your device that helps us: • Recognize you when you return • Remember your preferences and settings • Track your activity and usage patterns • Estimate audience size for sponsors and advertisers • Deliver relevant advertisements • Improve Site functionality and user experience You can control cookies through your browser settings or by deleting them from your device. However, doing so may limit your ability to use certain Site features. CLEAR GIFs/WEB BEACONS/PIXEL TAGS We may use clear GIFs (also known as "web beacons," "pixel tags," or "Internet tags") to: • Track user preferences • Gather aggregated usage patterns • Monitor email open rates and click-throughs • Deliver targeted advertising • Measure advertising effectiveness PASSIVE AUTOMATIC ELECTRONIC COLLECTION Like most websites, we automatically collect and log information, including: • Internet Protocol (IP) address • Internet Service Provider (ISP) name and location • Browser type and version • Operating system • Device type and identifier • Length of visit • Pages viewed • Search queries on the Site • Referring and exit pages • Time and date stamps • Clickstream data We use this information for: • Systems administration • Technical troubleshooting • Security monitoring • Gathering demographic information • Analyzing usage patterns • Improving Site performance TRUSTEDFORM CERTIFY WEB SDK We use ActiveProspect's TrustedForm Certify Web SDK to independently document users' consent to be contacted. The TrustedForm Certify Web SDK is embedded on our Site and collects the following information when you interact with pages where the script is present: • Page URL • Mouse movements and clicks • Contact information you input • A snapshot of the page • IP address of your device • Time spent on the page • Date and time the SDK was loaded • Date and time of your interactions with the page • HTTP headers from your browser For more information about ActiveProspect's data practices, please review the ActiveProspect Privacy Policy at https://activeprospect.com/privacy-policy/. THIRD-PARTY SERVICE PROVIDERS AND TRACKING TECHNOLOGIES We use third-party service providers who may use cookies, web beacons, pixel tags, log files, Flash cookies, HTML5 cookies, JavaScript, and similar technologies to: • Support our marketing services • Collect and store information for later access and usage • Deliver and measure advertisements • Analyze Site performance • Track user behavior across websites THIRD-PARTY ANALYTICS AND TRACKING TOOLS We use third-party analytics and tracking tools, including but not limited to: • Google Analytics (including Display Marketing features) • Google Tag Manager • Facebook Pixel • Other analytics platforms These tools help us: • Understand our audience • Measure Site effectiveness • Improve content and marketing • Target advertising across the internet • Remarket to previous visitors These technologies may: • Use cookies, web beacons, and other tracking technologies • Collect and store information about you • Combine information from your Site interactions with information from other sources • Track your activity across multiple websites and services We do not have access to or control over third parties' use of cookies or other tracking technologies. 2.3 INFORMATION FROM THIRD-PARTY SOURCES We may acquire Personal Information from other sources, including: SERVICE PROVIDERS We use third-party service providers who provide us with information to: • Confirm your identity • Verify the truthfulness of information you submitted • Append additional data to your profile • Determine which service providers to connect you with • Process your requests • Prevent fraud • Enhance our services THIRD-PARTY DATA SOURCES We collect Personal Information from: • Data aggregators • Public databases • Commercially available sources • Marketing partners • Social media platforms (if you link to us through social media) • Other websites or services that refer you to us This information may include: • Name and contact information • Demographic information • Property information • Utility usage information and providers • Interests and preferences • Publicly observed data • Updated address or contact information • Location information • Online activity and behavior COMBINING INFORMATION We may combine: • Information you provide to us • Information automatically collected • Information from third-party sources • Information from online and offline sources This combined information provides us with a comprehensive profile that we use to: • Provide our Services • Improve user experience • Identify products and services that may interest you • Target marketing and advertising • Conduct analytics and research ================================================================================ 3. COOKIE POLICY ================================================================================ 3.1 GENERAL COOKIE POLICY When you visit our Site, we and third parties store cookies on your browser to collect information. The information collected may relate to you, your preferences, or your device, and is used to: • Make the Site function properly • Provide a personalized experience • Deliver relevant advertising • Analyze Site performance You can choose not to allow certain types of cookies, which may impact your experience and the services we can offer. Click on cookie preference settings on our Site to manage your preferences. IMPORTANT: You cannot opt out of Strictly Necessary Cookies as they are essential for Site functionality (such as displaying cookie banners, remembering settings, login functionality, etc.). 3.2 TYPES OF COOKIES WE USE STRICTLY NECESSARY COOKIES These cookies are essential for the Site to function and cannot be disabled. They are set in response to your actions, such as: • Setting privacy preferences • Logging in • Filling out forms • Requesting services These cookies do not store personally identifiable information. Blocking them may prevent certain Site features from working. FUNCTIONAL COOKIES These cookies enable enhanced functionality and personalization, including: • Remembering your preferences • Providing personalized content • Enabling interactive features They may be set by us or third-party providers. If you block these cookies, some or all Site features may not function properly. PERFORMANCE COOKIES These cookies help us measure and improve Site performance by: • Counting visits and traffic sources • Identifying most and least popular pages • Tracking how visitors navigate the Site • Providing aggregated, anonymous analytics If you block these cookies, we cannot monitor Site performance or improve user experience. TARGETING/ADVERTISING COOKIES These cookies are set by our advertising partners and may be used to: • Build a profile of your interests • Show you relevant advertisements on our Site • Show you relevant advertisements on other websites • Track your browser across websites • Measure advertising effectiveness They are based on unique identifiers in your browser and device. If you block these cookies, you will receive less targeted advertising. SOCIAL MEDIA COOKIES These cookies are set by social media services we've integrated into the Site, allowing you to: • Share our content with friends and networks • Enable social media features They can track your browser across other sites and build a profile of your interests, potentially impacting content and messages you see on other websites. If you block these cookies, social sharing tools may not function. GOOGLE ANALYTICS COOKIES We use various Google services, including: • Google Analytics (all features, including Demographics and Interest Reporting) • Google Analytics Remarketing • Google Display Network Impression Reporting • Google Campaign Manager integration • Google AdWords and DoubleClick cookies Google uses cookies to track activity and analyze Site usage. TO OPT OUT OF GOOGLE SERVICES: • Google Ads: https://support.google.com/ads/answer/2662922?hl=en • Google Analytics: https://tools.google.com/dlpage/gaoptout/ ================================================================================ 4. HOW WE USE YOUR INFORMATION ================================================================================ We use Personal Information for the following business purposes: 4.1 TO PROVIDE SERVICES • Process your requests for information about products and services • Connect you with service providers who can fulfill your requests • Facilitate communication between you and service providers • Create, maintain, and secure your account • Provide customer service and support • Process transactions • Fulfill the reason for which you provided information 4.2 TO COMMUNICATE WITH YOU • Respond to your inquiries and requests • Send you confirmations and updates • Provide information about products and services you requested • Notify you about changes to our Services or policies • Send administrative messages • Deliver marketing communications about our products and services • Send marketing communications about third-party products and services that may interest you • Conduct surveys and gather feedback 4.3 FOR MARKETING AND ADVERTISING • Provide you with customized content and targeted offers • Display advertising on our Site • Display advertising across other websites, mobile applications, and online services • Deliver email marketing and direct mail • Conduct telemarketing (with your consent) • Notify you about sweepstakes, contests, and promotional events • Measure and understand the effectiveness of advertising • Deliver relevant advertisements based on your interests and behavior • Remarket to previous Site visitors • Create and deliver targeted advertising campaigns • Facilitate e-commerce transactions 4.4 TO ANALYZE AND IMPROVE • Analyze and improve our Services, Site, and systems • Develop new products, services, and features • Monitor and analyze usage patterns and trends • Conduct research and analytics • Generate anonymized or aggregated data for analysis • Evaluate marketing effectiveness • Optimize user experience • Test new features and functionality • Gauge Site effectiveness 4.5 FOR BUSINESS OPERATIONS • Operate and maintain our business • Manage our relationship with you • Conduct internal business processes • Maintain records and accounts • Conduct corporate transactions (mergers, acquisitions, restructuring) • Perform accounting, auditing, and billing activities 4.6 FOR SECURITY AND FRAUD PREVENTION • Protect the security of users, our Site, servers, networks, and databases • Prevent, detect, and investigate fraud, abuse, and illegal activity • Monitor for security threats • Verify identity and authorization • Protect our rights and property • Protect the safety of users and third parties 4.7 FOR LEGAL COMPLIANCE • Comply with applicable laws, regulations, and legal processes • Respond to law enforcement requests • Respond to court orders, subpoenas, and government requests • Enforce our Terms of Use and other agreements • Carry out our obligations and enforce our rights • Establish, exercise, or defend legal claims 4.8 WITH YOUR CONSENT • For any other purpose disclosed to you at the time of collection • For any purpose for which you provide consent We may combine Personal Information from any source to accomplish these purposes. ================================================================================ 5. WHO WE DISCLOSE, SHARE, AND SELL YOUR PERSONAL INFORMATION TO ================================================================================ We may disclose, share, and sell your Personal Information as described below: 5.1 THIRD-PARTY SERVICE PROVIDERS (OUR CLIENTS) WE DISCLOSE, SHARE, AND SELL YOUR PERSONAL INFORMATION TO THIRD-PARTY SERVICE PROVIDERS (OUR CLIENTS) WHO PROVIDE THE PRODUCTS AND SERVICES YOU HAVE REQUESTED THROUGH YOUR REGISTRATION ON OUR SITE. This is a primary purpose of our business model. When you submit a request through our Site, we share your information with service providers who can fulfill your request. These service providers include but are not limited to: • Home improvement contractors • HVAC companies • Roofing companies • Plumbing companies • Electrical contractors • Solar installation companies • Window and door companies • Landscaping companies • Other home service providers Service providers pay fees for access to users utilizing our Services. 5.2 PARENT AND AFFILIATED COMPANIES We may disclose and share your information with: • Our parent company • Subsidiaries • Affiliated companies • Related entities For business, operational, and marketing purposes. 5.3 BUSINESS SERVICE PROVIDERS We disclose and share your information to third-party contractors and service providers that support our business, including: • Website hosting and maintenance providers • Email service providers • SMS/text messaging providers • Call center and customer service providers • Payment processors • Data analytics providers • IT and security providers • Cloud storage providers • Database management providers • Identity verification services • Fraud prevention services • Legal and professional advisors • Auditors and accountants We contractually require service providers to maintain confidentiality and use information only for specified purposes. 5.4 MARKETING VENDORS AND PARTNERS We may disclose, share, or sell your information to: • Marketing partners who may contact you with offers • Third-party marketing vendors • Advertising networks and platforms • Email marketing services • Direct mail providers • Telemarketing providers • Companies that provide cookies, pixel tags, web beacons, and similar technologies • Social media platforms • Display advertising services • Analytics providers These parties may use your information to: • Deliver advertisements to you • Measure advertising effectiveness • Conduct targeted marketing campaigns • Provide analytics and reporting services 5.5 ONLINE ADVERTISING NETWORKS, SOCIAL NETWORKS, AND ANALYTICS PROVIDERS We share information with: • Online advertising networks • Social media platforms (Facebook, Google, etc.) • Analytics providers (Google Analytics, etc.) • Retargeting and remarketing platforms To deliver relevant advertising and measure campaign effectiveness. 5.6 SWEEPSTAKES, CONTESTS, AND PROMOTIONAL PARTNERS When you participate in sweepstakes, contests, or promotional events: • We may share your information with non-affiliated sponsors • We may share your information with promotional partners • Partners may use your information to market their services and events • Specific rules, terms, and privacy provisions will be posted for each event 5.7 BUSINESS TRANSFERS In the event of: • Merger or acquisition • Sale of business or assets • Bankruptcy or reorganization • Corporate restructuring or divestiture • Due diligence for any of the above Your information may be transferred to the acquiring or successor entity as part of the transaction. Personal Information may be considered an asset and included in transferred assets. 5.8 LEGAL AND REGULATORY COMPLIANCE We may disclose your information to: • Law enforcement agencies • Courts and judicial authorities • Government agencies and regulators • Legal counsel • Other parties as required by law When necessary to: • Comply with applicable laws, regulations, and legal processes • Respond to subpoenas, court orders, or legal requests • Respond to government investigations or regulatory inquiries • Investigate violations of our Terms of Use or policies • Protect against fraud or illegal activity 5.9 PROTECTION OF RIGHTS AND SAFETY We may disclose information to: • Enforce or apply our Terms of Use and other agreements • Protect our rights, property, and operations • Protect the security of our Site, servers, networks, and systems • Protect the rights, property, and safety of users and third parties • Investigate and prevent fraud, abuse, or illegal activity • Establish, exercise, or defend legal claims • Collect amounts owed to us 5.10 AGGREGATE OR ANONYMOUS INFORMATION We may disclose, share, or sell aggregate, anonymous, or de-identified information that does not identify individual users to: • Third parties for marketing purposes • Third parties for analytics purposes • Partners for research and analysis • Advertisers and sponsors This information does not include Personal Information about any specific user. 5.11 WITH YOUR CONSENT We may disclose your information: • For any purpose disclosed to you at the time of collection • With your express consent or at your direction • When you authorize us to share your information • When you request products or services that require sharing information ================================================================================ 6. TELEMARKETING AND TEXT MESSAGING CONSENT ================================================================================ 6.1 TELEMARKETING CONSENT By submitting your Personal Information through our Site and clicking the consent button, you provide your express prior written consent, and you agree that such action constitutes an inquiry and/or application for purposes of the Amended Telemarketing Sales Rule (16 CFR §310 et seq.), as amended from time to time (the "Telemarketing Sales Rule"), and applicable federal and state do-not-call regulations. AS SUCH, NOTWITHSTANDING THAT YOUR TELEPHONE NUMBER MAY BE LISTED ON THE FEDERAL TRADE COMMISSION'S DO-NOT-CALL LIST AND/OR ON APPLICABLE STATE DO-NOT-CALL LISTS, YOU EXPRESSLY CONSENT TO BE CONTACTED VIA TELEPHONE, INCLUDING THROUGH TELEMARKETING, BY THE COMPANY, SERVICE PROVIDERS, AND MARKETING PARTNERS IN ACCORDANCE WITH THE TELEMARKETING SALES RULE AND APPLICABLE STATE DO-NOT-CALL REGULATIONS. 6.2 TCPA CONSENT Where you provide "prior express written consent" within the meaning of the Telephone Consumer Protection Act (47 USC § 227) and its implementing regulations adopted by the Federal Communications Commission (47 CFR § 64.1200), as amended from time to time (collectively, the "TCPA"), YOU EXPRESSLY CONSENT TO RECEIVE: • Telephone calls, including artificial voice calls • Pre-recorded messages • Calls and SMS text messages delivered via automated technology and autodialed calls • Calls to wireless telephone numbers FROM: • The Company • Service Providers to whom your information has been disclosed • Marketing Partners • Other entities you have provided express consent to by virtue of actions you have taken in relation to this Site TO THE TELEPHONE NUMBER(S) YOU PROVIDED. IMPORTANT NOTICE: You are not required to provide this consent to obtain access to our Site or Services. Your consent allows the Company and other entities you have authorized to contact you via these means. 6.3 TEXT MESSAGE TERMS • You may receive up to a maximum of ten (10) text messages related to your inquiry • Message frequency varies • Standard message and data rates may apply • Check with your mobile carrier for details TO OPT OUT OF TEXT MESSAGES: • Reply "STOP," "END," "QUIT," or "UNSUBSCRIBE" to any text message • Email us at info@homeownerprogram.net FOR HELP OR SUPPORT: • Reply "HELP" to any text message • Email us at info@homeownerprogram.net CARRIER DISCLAIMER: • The Services are not endorsed, administered, or sponsored by any wireless carrier • Carriers are not liable for delayed or undelivered messages ================================================================================ 7. YOUR CHOICES AND OPTING OUT ================================================================================ 7.1 COOKIES AND TRACKING TECHNOLOGY You may decline or adjust cookies and tracking technologies through: • Your device settings • Your Internet browser settings (usually in the "Help" section) • Cookie preference settings on our Site PLEASE NOTE: • Blocking cookies may prevent you from using certain Site features • Our Site may not recognize "do not track" signals from all browsers • You cannot opt out of Strictly Necessary Cookies 7.2 INTEREST-BASED ADVERTISING You have choices for receiving more relevant advertising. Learn more at: • http://www.aboutads.info/choices/ • http://www.networkadvertising.org/choices/ • For mobile devices: http://www.aboutads.info/appchoices To prevent Google Analytics from using your data: • Google Analytics opt-out: https://tools.google.com/dlpage/gaoptout/ Your browser or mobile device settings may also allow you to adjust privacy and advertising preferences. PLEASE NOTE: Even if you opt out, you may still receive advertising that is not customized based on your information or behavior. 7.3 UNSUBSCRIBING FROM MARKETING COMMUNICATIONS To opt out of marketing emails: • Click the "unsubscribe" link in any marketing email • Email us at info@homeownerprogram.net • Send written notice to our mailing address PLEASE NOTE: • You must opt out separately from each affiliate if you receive communications from multiple entities • Opting out of marketing does not affect transactional or service-related communications • It may take up to 10 business days to process your request 7.4 THIRD-PARTY COMMUNICATIONS Third parties to whom we have disclosed, shared, or sold your information may have their own privacy policies and opt-out procedures. We encourage you to: • Visit their websites • Review their privacy policies • Contact them directly to opt out of their communications We are not responsible for third-party privacy practices or opt-out procedures. 7.5 DO NOT SELL OR SHARE MY PERSONAL INFORMATION If you are a resident of a state with applicable privacy laws, you may have the right to opt out of: • The sale of your Personal Information • The sharing of your Personal Information for targeted advertising • Profiling in furtherance of automated decisions To exercise this right, see Section 9 (State Consumer Privacy Rights) below. ================================================================================ 8. DATA SECURITY AND RETENTION ================================================================================ 8.1 SECURITY MEASURES We use reasonable industry-accepted technology and controls to protect your information from unauthorized access, disclosure, alteration, and destruction, including: • Firewalls • Encryption (including SSL/TLS for data transmission) • Secure facilities with physical access controls • Logged and limited access to systems • Employee training on data protection • Regular security assessments • Incident response procedures Financial and payment card information is transmitted via encrypted technology. IMPORTANT LIMITATIONS: • No method of transmission over the Internet is 100% secure • No method of electronic storage is 100% secure • We cannot guarantee that unauthorized persons will never access your information • Any transmission of information to us is at your own risk 8.2 DATA RETENTION We retain Personal Information for as long as reasonably necessary to: • Fulfill the purposes for which it was collected • Provide our Services to you • Maintain your account (if applicable) • Comply with legal, regulatory, tax, and accounting obligations • Resolve disputes and enforce agreements • Establish, exercise, or defend legal claims • Conduct marketing activities (until you opt out or request deletion) RETENTION FACTORS: We determine appropriate retention periods by considering: • The amount, nature, and sensitivity of Personal Information • The potential risk of harm from unauthorized use or disclosure • The purposes for which we collected the information • Whether we can achieve those purposes through other means • Applicable legal requirements and limitations periods • Business operational needs RETENTION PERIODS: • Marketing information: Until you opt out or request deletion • Transaction records: As required by law (typically 3-7 years) • Account information: Until account closure plus applicable limitations period • Legal claims: Until statutory limitation periods expire • Other information: As necessary for legitimate business purposes 8.3 DATA DELETION AND DE-IDENTIFICATION Once retention is no longer necessary: • We will delete or de-identify Personal Information • If deletion is not possible (e.g., backup archives), we will: - Securely store the information - Isolate it from further processing - Delete it when possible ================================================================================ 9. STATE CONSUMER PRIVACY RIGHTS ================================================================================ 9.1 APPLICABLE STATES As of January 1, 2026, states with comprehensive privacy laws include: • California • Colorado • Connecticut • Delaware • Indiana • Iowa • Kentucky • Maryland • Minnesota • Montana • Nebraska • New Hampshire • New Jersey • Oregon • Rhode Island • Tennessee • Texas • Utah • Virginia If you are a resident of one of these states, you may have specific privacy rights as described below, subject to certain limitations and exceptions under applicable law. 9.3 CATEGORIES OF PERSONAL INFORMATION COLLECTED In the preceding 12 months, we have collected the following categories of Personal Information: • Identifiers • Characteristics of protected classifications • Commercial information • Internet or other electronic network activity information • Geolocation data • Audio, electronic, visual, or similar information • Professional or employment-related information • Inferences drawn from Personal Information For detailed descriptions, see Section 1 (Information We Collect). 9.4 SOURCES OF PERSONAL INFORMATION We collect Personal Information from: • Directly from you (forms, communications, transactions) • Automatically from your device and browser • Third-party service providers • Data aggregators and brokers • Public databases • Marketing partners • Social media platforms • Other third-party sources 9.5 PURPOSES FOR COLLECTION AND USE We collect and use Personal Information for: • Providing Services • Communicating with you • Marketing and advertising • Analysis and improvement • Business operations • Security and fraud prevention • Legal compliance • Other purposes with your consent For detailed descriptions, see Section 4 (How We Use Your Information). 9.6 CATEGORIES OF THIRD PARTIES WITH WHOM WE SHARE INFORMATION We disclose Personal Information to: • Third-party service providers (our clients) • Parent and affiliated companies • Business service providers • Marketing vendors and partners • Online advertising networks and analytics providers • Sweepstakes and promotional partners • Business transaction parties • Legal and regulatory authorities • Other parties as required by law or with your consent For detailed descriptions, see Section 5 (Who We Disclose, Share, and Sell Your Personal Information To). 9.7 SALE AND SHARING OF PERSONAL INFORMATION In the preceding 12 months, we have sold and/or shared (for cross-context behavioral or targeted advertising purposes) the following categories of Personal Information to the following categories of third parties: TO THIRD-PARTY BUSINESSES (OUR CLIENTS) AND MARKETING COMPANIES: • Identifiers • Commercial information • Internet or other electronic network activity information • Geolocation data TO ONLINE ADVERTISING NETWORKS, SOCIAL NETWORKS, AND ANALYTICS PROVIDERS: • Identifiers • Commercial information • Internet or other electronic network activity information • Geolocation data We also disclose Personal Information: • At your direction or upon your request • In connection with services or products you have requested • For corporate business transactions • To comply with legal or contractual obligations 9.8 SENSITIVE PERSONAL INFORMATION COLLECTION AND USE: We collect your residential address to provide Services. We have collected general geolocation data for targeted advertising and marketing purposes. Except for your address and general geolocation, we do not knowingly collect, share, or sell other Sensitive Personal Information as defined by applicable state privacy laws. 9.9 DE-IDENTIFIED INFORMATION We may create de-identified data that can no longer reasonably be used to infer information about, or otherwise be linked to, a particular individual or household. Where we maintain de-identified data: • We maintain and use the data in de-identified form • We do not attempt to re-identify the data except as required or permitted by law • We implement technical safeguards to prevent re-identification • We implement business processes to prevent re-identification ================================================================================ 10. YOUR STATE PRIVACY RIGHTS ================================================================================ If you are a resident of a state with applicable privacy laws, and subject to certain legal limitations and exceptions, you may have some or all of the following rights: 10.1 RIGHT TO KNOW / RIGHT TO ACCESS The right to confirm whether we are processing Personal Information about you and to obtain: • The categories of Personal Information we have collected • The categories of sources from which we collected Personal Information • The business or commercial purposes for collecting, selling, or sharing Personal Information • The categories of third parties to whom we disclose Personal Information • The categories of Personal Information disclosed for a business purpose • The categories of Personal Information sold or shared, and the categories of recipients • The specific pieces of Personal Information we have collected about you 10.2 RIGHT TO CORRECT The right to correct inaccuracies in your Personal Information, taking into account: • The nature of the Personal Information • The purposes of processing the Personal Information 10.3 RIGHT TO DELETE The right to request deletion of Personal Information we have collected about you, subject to certain exceptions, including when the information is necessary to: • Complete a transaction or provide requested goods or services • Detect and resolve security incidents or fraud • Exercise free speech or ensure others' exercise of free speech • Comply with legal obligations • Engage in research in the public interest • Enable internal uses reasonably aligned with your expectations 10.4 RIGHT TO OPT OUT OF SALE OR SHARING The right to direct us not to: • Sell your Personal Information to third parties • Share your Personal Information for cross-context behavioral or targeted advertising • Use your Personal Information for profiling in furtherance of automated decisions IMPORTANT EXCEPTION: We will continue to disclose, share, and sell your Personal Information to third-party service providers who provide you with the products and services you requested at registration. This is fundamental to our business model and the Services you requested. 10.5 RIGHT TO LIMIT USE OF SENSITIVE PERSONAL INFORMATION The right to limit our use and disclosure of Sensitive Personal Information to: • Uses necessary to perform services or provide goods you requested • Uses authorized by applicable regulations We do not use Sensitive Personal Information in ways that would trigger this right under most state privacy laws. 10.6 RIGHT TO PORTABILITY The right to obtain a copy of your Personal Information in a portable and, to the extent technically feasible, readily usable format that allows you to transmit the data to another entity without hindrance. 10.7 RIGHT TO NON-DISCRIMINATION The right not to receive discriminatory treatment for exercising your privacy rights, including: • Denying goods or services • Charging different prices or rates • Providing a different level or quality of goods or services • Suggesting that you will receive different prices, rates, levels, or quality We may, however, charge different prices or provide different levels of service if the difference is reasonably related to the value provided by your Personal Information. 10.8 RIGHT TO APPEAL If we decline to take action on your request, you have the right to appeal our decision. We will provide information about the appeal process in our response to your request. ================================================================================ 11. HOW TO EXERCISE YOUR STATE PRIVACY RIGHTS ================================================================================ 11.1 SUBMITTING REQUESTS To exercise your privacy rights, submit your request using one of the following methods: EMAIL: info@homeownerprogram.net U.S. MAIL: Homeowner Program LLC Attn: Privacy Rights Request 2810 N Church St #519178 Wilmington, DE 19802 11.2 OPT-OUT OF SALE/SHARING (DO NOT SELL OR SHARE MY PERSONAL INFORMATION) To opt out of the sale or sharing of your Personal Information for targeted advertising, use any of the methods above or click the "Do Not Sell or Share My Personal Information" link on our Site homepage. We will process opt-out requests within ten (10) business days. 11.3 INFORMATION REQUIRED To process your request, we need the following information: • First and last name • Email address • Phone number • Street address • City, state, and ZIP code • Description of your request • State of residence 11.4 IDENTITY VERIFICATION Before processing your request, we must verify your identity and confirm you are a resident of a state with applicable privacy laws. We will verify your identity by: • Matching the information you provide to information we maintain about you • Authenticating your email address • Requesting additional information if necessary The verification requirements may vary based on: • The sensitivity of your request • The type of information requested • Our relationship with you WE MAY DENY YOUR REQUEST IF WE CANNOT VERIFY YOUR IDENTITY. 11.5 AUTHORIZED AGENT REQUESTS You may designate an authorized agent to submit requests on your behalf. To verify the authorized agent's authority, we require: FOR ALL REQUESTS: • Written authorization signed by you, including your name, contact information, the agent's name and contact information, and a statement of authorization FOR DELETE AND ACCESS REQUESTS: • Proof that the agent is registered with the appropriate state authority (e.g., Secretary of State) • A valid power of attorney, OR • Written authorization as described above We may need to verify your identity directly even when using an authorized agent. 11.6 PROCESSING TIMEFRAME • Opt-out requests: Within ten (10) business days • Other requests: Within forty-five (45) days • Extensions: We may extend the response period by an additional forty-five (45) days when reasonably necessary, with notice of the extension and reason 11.7 REQUESTS WE MAY DECLINE We may decline your request if: • We cannot verify your identity • We cannot verify your state of residence • An exception under applicable law applies • The request is manifestly unfounded or excessive • The request relates to information not covered by applicable law If we decline your request, we will notify you of: • The reasons for our decision • Your right to appeal our decision • How to submit an appeal • Your right to contact your state's Attorney General or designated privacy authority ================================================================================ 12. CALIFORNIA-SPECIFIC PROVISIONS ================================================================================ 12.1 CALIFORNIA CONSUMER PRIVACY ACT (CCPA/CPRA) This section applies solely to California residents and supplements the information in this Privacy Policy. We adopt this section to comply with the California Consumer Privacy Act of 2018 (CCPA) as amended by the California Privacy Rights Act (CPRA). 12.2 CALIFORNIA PRIVACY RIGHTS California residents have all the rights described in Section 10 (Your State Privacy Rights), subject to certain exceptions under California law. 12.3 SHINE THE LIGHT LAW California Civil Code Section 1798.83 permits California residents to request certain information about disclosure of Personal Information to third parties for their direct marketing purposes. To make such a request, contact us using the information in Section 18 (Contact Information). 12.4 CALIFORNIA MINORS If you are a California resident under 18 years old and a registered user, you may request removal of content or information you posted publicly. To make such a request, contact us using the information in Section 18 (Contact Information). Please note: • Removal does not ensure complete or comprehensive removal • Content may remain in backup systems or may have been shared by others 12.5 CALIFORNIA CONSUMER COMPLAINTS California residents may contact the Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs: By mail: 400 R Street, Suite 1080 Sacramento, CA 95814 By telephone: (916) 445-1254 or (800) 952-5210 Website: www.dca.ca.gov ================================================================================ 13. CHILDREN'S ONLINE PRIVACY ================================================================================ Our Site and Services are not directed to children under the age of 18. We do not knowingly collect Personal Information from children under 18. If we become aware that we have collected Personal Information from a child under 18: • We will delete the information from our records as soon as practicable • We will not use the information for any purpose • We will not disclose the information to third parties If you are a parent or guardian and believe we have collected information from your child, please contact us immediately at info@homeownerprogram.net. ================================================================================ 14. INTERNATIONAL DATA TRANSFERS ================================================================================ 14.1 U.S.-BASED SERVICES Our Site is published and operated in the United States. Our servers and data storage are located in the United States. 14.2 CONSENT TO TRANSFER By visiting the Site, using the Services, or providing Personal Information to us, you understand and agree that: • Your information may be transferred to, stored, and processed in the United States • U.S. data protection laws may differ from laws in your country • Your information will be subject to U.S. laws, including laws permitting government access to data 14.3 GDPR The European Union General Data Protection Regulation (GDPR) does not apply to this Site or our Services. By using the Site, you agree that the GDPR does not apply. 14.4 CROSS-BORDER TRANSFERS Your communications with us may result in the transfer of information across international boundaries. By visiting the Site and communicating with us electronically, you consent to such transfers. ================================================================================ 15. THIRD-PARTY WEBSITES AND SERVICES ================================================================================ 15.1 LINKS TO THIRD-PARTY SITES Our Site contains links to third-party websites, including: • Service provider websites • Marketing partner websites • Affiliated company websites • Social media platforms • Other third-party websites WE ARE NOT RESPONSIBLE FOR: • The content of third-party websites • The privacy practices of third-party websites • The terms of use of third-party websites • The information collection practices of third-party websites 15.2 THIRD-PARTY PRIVACY POLICIES When you leave our Site to visit a third-party website: • You are subject to that website's privacy policy and terms of use • That website may collect your Personal Information • That website may store cookies on your device • We have no control over that website's practices We encourage you to review the privacy policies of any third-party websites you visit. 15.3 SERVICE PROVIDER TRANSACTIONS If you purchase goods or services from service providers through our Site: • The service provider may request Personal Information directly from you • The service provider's privacy policy and terms will apply • We are not responsible for the service provider's collection, use, or disclosure of your information 15.4 SOCIAL MEDIA FEATURES Our Site may include social media features and widgets (e.g., Facebook "Like" button). These features: • May collect your IP address and browsing activity • May set cookies to enable functionality • Are hosted by third parties • Are governed by the privacy policies of the companies providing them ================================================================================ 16. CHANGES TO THIS PRIVACY POLICY ================================================================================ 16.1 RIGHT TO MODIFY We reserve the right to modify this Privacy Policy at any time in our sole discretion. We may change how we collect, use, share, disclose, and sell Personal Information. 16.2 NOTICE OF CHANGES We will provide notice of material changes by: • Posting the revised Privacy Policy on the Site with a new "Effective Date" • Sending notice to your email address (if provided) • Providing notice through the Site or Services WE DO NOT PROVIDE INDIVIDUAL NOTICE OF NON-MATERIAL CHANGES except through posting on this page. 16.3 YOUR ACCEPTANCE Your continued use of the Site or Services after changes become effective constitutes your acceptance of the revised Privacy Policy. If you do not agree to the revised Privacy Policy, you must stop using the Site and Services. 16.4 DISPUTE RESOLUTION MODIFICATIONS Changes to dispute resolution provisions (if any) will not apply to disputes that arose before the modification became effective. 16.5 REGULAR REVIEW We encourage you to periodically review this Privacy Policy to stay informed about: • How we collect, use, and protect your information • Your privacy rights • How to exercise your rights ================================================================================ 17. DO NOT TRACK SIGNALS ================================================================================ Our Site does not currently respond to "Do Not Track" (DNT) signals from web browsers. DNT is a browser setting that requests that websites not track your browsing activity. Because there is no industry-wide standard for DNT signals: • We do not recognize or respond to DNT signals • Third-party services on our Site may not recognize or respond to DNT signals • You can control tracking through other methods described in Section 7 (Your Choices and Opting Out) ================================================================================ 18. CONTACT INFORMATION ================================================================================ If you have any questions, concerns, or complaints about this Privacy Policy or our privacy practices, please contact us: Homeowner Program LLC 2810 N Church St #519178 Wilmington, DE 19802 Email: info@homeownerprogram.net FOR PRIVACY RIGHTS REQUESTS: Use the contact methods listed in Section 11 (How to Exercise Your State Privacy Rights) FOR CALIFORNIA CONSUMERS: You may also contact the California Attorney General or the California Privacy Protection Agency with privacy-related complaints. ================================================================================ 19. ACKNOWLEDGMENT AND ACCEPTANCE ================================================================================ BY USING THE SITE OR SERVICES, YOU ACKNOWLEDGE THAT: • You have read this Privacy Policy in its entirety • You understand this Privacy Policy • You agree to the collection, use, disclosure, sharing, and sale of your Personal Information as described in this Privacy Policy • You consent to receive communications as described in this Privacy Policy • You consent to the transfer of your information to the United States • You understand your privacy rights and how to exercise them IF YOU DO NOT AGREE TO THIS PRIVACY POLICY, YOU MUST NOT USE THE SITE OR SERVICES. ================================================================================ Last Updated: November 10, 2025 © 2025 Homeowner Program LLC. All Rights Reserved. ================================================================================ END OF PRIVACY POLICY ================================================================================