TERMS OF USE Effective Date: November 10, 2025 PLEASE READ THESE TERMS OF USE CAREFULLY BEFORE USING THIS WEBSITE 1. INTRODUCTION AND ACCEPTANCE OF TERMS Thank you for visiting homeownerprogram.net or any of our affiliated websites (collectively, the "Site"). The Site is owned and operated by Homeowner Program LLC ("Company," "we," "our," or "us"). Throughout these Terms of Use, 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. These Terms of Use (the "Terms") govern your use of the Site, along with our Privacy Policy and any other relevant operating rules, policies, and additional terms that may be periodically published, all of which are expressly incorporated herein by reference (collectively, the "Agreement"). BY ACCESSING OR USING THE SITE, VIEWING ANY CONTENT, SUBMITTING ANY INFORMATION REQUEST FORMS, OR UTILIZING ANY SERVICES AVAILABLE ON THE SITE (COLLECTIVELY, THE "SERVICES"), YOU AGREE TO BE BOUND BY THESE TERMS IN THEIR ENTIRETY. IMPORTANT NOTICE: These Terms contain disclaimers of warranties, limitations of liability, releases, a waiver of class-action rights, and mandatory arbitration provisions that affect your legal rights. Please review them carefully. If you do not agree with all the terms of this Agreement, you are not permitted to use the Site or Services in any manner. 2. ELIGIBILITY The Services are available only to individuals who: (a) Are at least eighteen (18) years of age, or the applicable age of majority in their jurisdiction, whichever is higher; (b) Are legally capable of entering into binding contracts under applicable law; and (c) Are not prohibited from using the Services under applicable laws. If you do not meet these requirements, you are not permitted to use or access the Site or Services. The Company may terminate access to any User who does not meet these eligibility requirements at any time and for any reason. 3. DESCRIPTION OF SERVICES Homeowner Program LLC is a lead generation company that connects homeowners with third-party service providers (collectively, "Service Providers"). The Company does not directly provide home improvement, repair, maintenance, or related services. When you submit information through the Site: • Your information may be shared with one or more Service Providers and/or marketing partners (collectively, "Partners"); • You may be contacted by the Company, Service Providers, and/or Partners regarding your request; • You may receive offers from Partners that we believe may be of interest to you; • The specific terms and conditions for any products or services will be established by the respective Service Providers. The Company does not endorse, guarantee, or assume responsibility for any Service Provider or Partner accessible through the Site. 4. USER INFORMATION AND CONSENT 4.1 Information Collection When you use the Services, you may be required to provide the following information ("User Information"): • Full name • Email address • Telephone number • Physical address • Homeownership status • Property information • Any other information requested via applicable forms 4.2 Accuracy of Information You agree to provide true, accurate, current, and complete User Information. Providing false or misleading information may result in immediate termination of your access to the Services. 4.3 Communication Consent By submitting User Information and using the Services, you consent to receive communications from the Company, Service Providers, and Partners via: • Telephone (including calls to mobile phones) • Email • SMS/text messages • Direct mail If you provide "prior express written consent" as defined by the Telephone Consumer Protection Act (47 USC § 227) and its implementing regulations (47 CFR § 64.1200), as amended ("TCPA"), you may be contacted via: • Artificial voice calls • Pre-recorded messages • SMS text messaging • Autodialed calls You acknowledge that your consent is not required as a condition of purchasing any goods or services, and you may revoke consent at any time by following the opt-out procedures provided. 4.4 Privacy The Company's collection, use, and disclosure of User Information is governed by our Privacy Policy, which is incorporated into these Terms by reference. For a copy of the Privacy Policy, please visit https://www.homeownerprogram.net/privacy. 5. NON-ENDORSEMENT OF SERVICE PROVIDERS 5.1 No Endorsement The Company does not sponsor, recommend, endorse, or guarantee any Service Provider or Partner that may be accessed through the Site. Service Providers pay fees for access to Users utilizing these Services. 5.2 Independent Evaluation Required • The Company does not guarantee that Users will successfully find products or services through the Site; • The Company does not verify the credentials, licenses, insurance, or qualifications of any Service Provider; • The Company does not assess Service Providers' standing with regulatory authorities or governmental agencies; • Users are solely responsible for independently verifying the industry standing, past practices, reputation, qualifications, and credentials of any Service Provider before engaging their services. 5.3 No Participation in Agreements The Company does not participate in, nor is it a party to, any agreements between Users and Service Providers or Partners. The Company does not provide any assurances regarding the competence, trustworthiness, honesty, integrity, quality of work, or conduct of any Service Provider or Partner. 5.4 User Responsibility It is your sole responsibility to: • Evaluate Service Providers according to your own judgment; • Verify licenses, insurance, and credentials; • Review contracts and agreements carefully; • Exercise caution and common sense when engaging Service Providers; • Protect your personal and financial information. 6. THIRD-PARTY LINKS AND CONTENT The Site contains links to third-party websites and content that are owned and operated by third parties. The Company: • Does not control the information, products, or services on third-party websites; • Does not endorse third-party websites or their operators; • Is not responsible for the availability or operation of third-party websites; • Is not responsible for the protection of your data privacy by third parties; • Is not liable for any loss or damage caused by your use of or reliance on third-party websites. 7. USER CONDUCT AND RESTRICTIONS 7.1 Acceptable Use You agree to use the Site and Services only for lawful purposes and in accordance with these Terms. You agree not to: (a) Violate any applicable laws, rules, or regulations; (b) Infringe upon the rights of others, including intellectual property rights; (c) Transmit any unlawful, harmful, threatening, abusive, harassing, defamatory, vulgar, obscene, or otherwise objectionable material; (d) Impersonate any person or entity or falsely state or misrepresent your affiliation with any person or entity; (e) Transmit or post any material containing software viruses, malware, or any other harmful computer code; (f) Interfere with or disrupt the Site, servers, or networks connected to the Site; (g) Attempt to gain unauthorized access to any portion of the Site or any systems or networks; (h) Use any automated means, including robots, scrapers, or data mining tools, to access the Site without our express written permission; (i) Remove, circumvent, disable, damage, or otherwise interfere with security-related features of the Site; (j) Collect or harvest any personally identifiable information from the Site without consent; (k) Use the Site for any commercial purpose not expressly authorized by the Company; (l) Copy, reproduce, distribute, transmit, display, perform, or create derivative works from the Site; (m) Engage in any conduct that restricts or inhibits anyone's use or enjoyment of the Site; (n) Engage in unauthorized advertising, spam, or commercial solicitation. 7.2 Enforcement The Company reserves the right to: • Remove any content that violates these Terms; • Terminate or suspend access to any User who violates these Terms; • Pursue any legal remedies available against Users who violate these Terms; • Cooperate with law enforcement authorities regarding violations. 8. INTELLECTUAL PROPERTY RIGHTS 8.1 Ownership All content on the Site, including but not limited to text, graphics, logos, images, videos, software, and compilation thereof (the "Content"), is the property of Homeowner Program LLC or its licensors and is protected by copyright, trademark, and other intellectual property laws. 8.2 Limited License Subject to your compliance with these Terms, the Company grants you a limited, non-exclusive, non-transferable, non-sublicensable, revocable license to access and use the Site for personal, non-commercial purposes only. 8.3 Restrictions You may not: • Copy, modify, distribute, sell, or lease any part of the Site or Content; • Reverse engineer or attempt to extract source code from the Site; • Create derivative works based on the Site or Content; • Use the Site or Content for any commercial purpose without express written permission; • Remove or alter any copyright, trademark, or other proprietary notices. 8.4 Trademarks All trademarks, service marks, and trade names used on the Site are the property of Homeowner Program LLC or their respective owners. Nothing on the Site grants any license or right to use any trademark without written permission. 9. USER SUBMISSIONS If you submit any ideas, suggestions, feedback, or other materials to the Company ("Submissions"), you grant the Company a perpetual, worldwide, royalty-free, irrevocable, transferable license to use, reproduce, modify, adapt, publish, translate, distribute, and display such Submissions for any purpose without compensation or attribution to you. 10. DISCLAIMERS OF WARRANTIES TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW: 10.1 AS-IS BASIS THE SITE AND SERVICES ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, ACCURACY, OR QUIET ENJOYMENT. 10.2 No Guarantees THE COMPANY DOES NOT WARRANT THAT: (a) THE SITE OR SERVICES WILL MEET YOUR REQUIREMENTS; (b) THE SITE OR SERVICES WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE; (c) ANY DEFECTS WILL BE CORRECTED; (d) THE SITE OR SERVICES WILL BE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS; (e) THE RESULTS OBTAINED FROM USE OF THE SITE OR SERVICES WILL BE ACCURATE OR RELIABLE; (f) YOU WILL SUCCESSFULLY CONNECT WITH SERVICE PROVIDERS; (g) THE QUALITY OF ANY PRODUCTS, SERVICES, OR INFORMATION OBTAINED THROUGH THE SITE WILL MEET YOUR EXPECTATIONS. 10.3 Third-Party Services THE COMPANY MAKES NO REPRESENTATIONS OR WARRANTIES REGARDING SERVICE PROVIDERS, PARTNERS, OR THEIR SERVICES. ANY RELIANCE ON INFORMATION FROM THE SITE IS AT YOUR OWN RISK. 10.4 Internet Availability THE COMPANY IS NOT LIABLE FOR THE AVAILABILITY OF INTERNET CONNECTIONS OR TELECOMMUNICATIONS SERVICES. 11. LIMITATION OF LIABILITY 11.1 No Liability for Damages TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL THE COMPANY, ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, OR AFFILIATES BE LIABLE TO YOU OR ANY THIRD PARTY FOR ANY: (a) INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES; (b) DAMAGES FOR LOSS OF PROFITS, REVENUE, GOODWILL, USE, OR DATA; (c) BUSINESS INTERRUPTION; (d) DAMAGES ARISING FROM YOUR USE OR INABILITY TO USE THE SITE OR SERVICES; (e) DAMAGES ARISING FROM ANY PRODUCTS OR SERVICES OBTAINED THROUGH THE SITE; (f) DAMAGES ARISING FROM UNAUTHORIZED ACCESS TO OR ALTERATION OF YOUR DATA; (g) DAMAGES ARISING FROM ANY INTERACTIONS WITH SERVICE PROVIDERS OR PARTNERS; (h) DAMAGES ARISING FROM ANY CONTENT OR CONDUCT OF THIRD PARTIES; EVEN IF THE COMPANY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. 11.2 Maximum Liability TO THE EXTENT LIABILITY CANNOT BE EXCLUDED, THE COMPANY'S TOTAL LIABILITY TO YOU FOR ALL CLAIMS ARISING OUT OF OR RELATED TO THE SITE OR SERVICES SHALL NOT EXCEED THE GREATER OF: (a) FIVE HUNDRED DOLLARS ($500.00), OR (b) THE AMOUNT YOU PAID TO THE COMPANY IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM. 11.3 Basis of the Bargain YOU ACKNOWLEDGE THAT THE DISCLAIMERS AND LIMITATIONS IN THESE TERMS ARE FUNDAMENTAL ELEMENTS OF THE BASIS OF THE BARGAIN BETWEEN YOU AND THE COMPANY. THE SITE AND SERVICES WOULD NOT BE PROVIDED WITHOUT THESE LIMITATIONS. 11.4 Time Limitation NO ACTION ARISING OUT OF THE SITE OR SERVICES MAY BE BROUGHT BY YOU MORE THAN ONE (1) YEAR FOLLOWING THE EVENT THAT GAVE RISE TO THE CAUSE OF ACTION. 12. INDEMNIFICATION You agree to indemnify, defend, and hold harmless the Company, its parent, subsidiaries, affiliates, officers, directors, employees, agents, partners, licensors, and service providers (collectively, "Indemnified Parties") from and against any and all claims, liabilities, damages, losses, costs, expenses, fees (including reasonable attorneys' fees and court costs) arising from or relating to: (a) Your use or misuse of the Site or Services; (b) Your violation of these Terms; (c) Your violation of any rights of any third party; (d) Your User Information or any content you submit; (e) Your interactions with Service Providers or Partners; (f) Any disputes between you and Service Providers or Partners; (g) Any negligent or wrongful conduct by you. This indemnification obligation will survive termination of these Terms and your use of the Site. 13. RELEASE OF CLAIMS You hereby release and forever discharge the Indemnified Parties from any and all claims, demands, damages (actual and consequential), losses, and liabilities of every kind and nature, known and unknown, suspected and unsuspected, disclosed and undisclosed, arising out of or in any way connected with: (a) Disputes with Service Providers or Partners; (b) The quality, performance, or outcome of services provided by Service Providers; (c) Any acts or omissions of Service Providers or Partners; (d) Any Content or information provided by third parties through the Site. 14. SMS/TEXT MESSAGING 14.1 Consent to Receive Text Messages By providing your mobile phone number and submitting information through the Site, you expressly consent to receive text messages from the Company, Service Providers, and Partners. You may receive up to ten (10) text messages related to your inquiry. 14.2 Message Frequency and Charges Message frequency varies. Standard message and data rates may apply. Check with your mobile carrier for details. 14.3 Opt-Out You may opt out of receiving text messages at any time by: • Replying "STOP," "END," "QUIT," or "UNSUBSCRIBE" to any text message; • Emailing us at info@homeownerprogram.net; 14.4 Help For help or support, reply "HELP" to any text message, email info@homeownerprogram.net 14.5 Carrier Disclaimer The Services are not endorsed, administered, or sponsored by any wireless carrier. Carriers are not liable for delayed or undelivered messages. 15. DISPUTE RESOLUTION AND ARBITRATION 15.1 Governing Law These Terms shall be governed by and construed in accordance with the laws of the State of Delaware, without regard to its conflict of laws principles. 15.2 Informal Dispute Resolution Before filing any formal claim, you agree to first contact the Company to attempt to resolve the dispute informally. Send your written notice of the dispute to: Homeowner Program LLC Attn: Legal Department 2810 N Church St #519178 Wilmington, DE 19802 Email: info@homeownerprogram.net You must include: • Your name and contact information; • A description of the dispute; • The relief you seek. The parties agree to negotiate in good faith for at least thirty (30) days before pursuing formal proceedings. 15.3 Binding Arbitration PLEASE READ THIS SECTION CAREFULLY. IT AFFECTS YOUR RIGHTS. If the parties cannot resolve a dispute through informal negotiation, you agree that any claim or dispute arising out of or relating to these Terms or the Site shall be resolved exclusively by binding arbitration, rather than in court, except that: (a) You may assert claims in small claims court if your claims qualify; and (b) Either party may seek equitable relief in court for infringement of intellectual property rights. 15.4 Arbitration Rules and Forum The arbitration will be conducted by the American Arbitration Association ("AAA") under its Consumer Arbitration Rules then in effect. The AAA Rules are available at www.adr.org or by calling 1-800-778-7879. The arbitration will be held in New Castle County, Delaware, or at another mutually agreed location. You may choose to have the arbitration conducted by telephone, based on written submissions, or in person. 15.5 Arbitrator's Authority The arbitrator has exclusive authority to: (a) Determine arbitrability and jurisdiction; (b) Resolve all disputes regarding the interpretation, applicability, enforceability, or formation of these Terms, including any claim that all or any part is void or voidable. The arbitrator shall apply applicable substantive law and may award any relief that a court could award, including attorney's fees and costs where authorized by law. The arbitrator's decision is binding and may be entered as a judgment in any court of competent jurisdiction. 15.6 CLASS ACTION WAIVER YOU AND THE COMPANY AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR OR ITS INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE PROCEEDING. You and the Company expressly waive any right to: (a) File, join, or participate in a class action lawsuit; (b) File, join, or participate in a class arbitration; (c) Bring claims on behalf of other persons or entities; (d) Serve as a private attorney general. Unless both you and the Company agree otherwise in writing, the arbitrator may not consolidate more than one person's claims and may not otherwise preside over any form of representative or class proceeding. 15.7 Opt-Out of Arbitration You have the right to opt out of these arbitration provisions. To opt out, you must send written notice to the Company within thirty (30) days of first accessing the Site. Your opt-out notice must include: • Your full name; • Your mailing address; • Your email address; • A clear statement that you wish to opt out of the arbitration provisions. Send opt-out notices to: Homeowner Program LLC Attn: Arbitration Opt-Out 2810 N Church St #519178 Wilmington, DE 19802 Email: info@homeownerprogram.net 15.8 Severability If any portion of this arbitration provision is found to be unenforceable, the unenforceable portion shall be severed, and the remainder shall be enforced. However, if the class action waiver is found to be unenforceable, the entire arbitration provision (but not the rest of these Terms) shall be null and void. 16. MODIFICATIONS TO TERMS 16.1 Right to Modify The Company reserves the right to modify these Terms at any time in its sole discretion. We will provide notice of material changes by: (a) Posting the updated Terms on the Site with a new "Effective Date"; (b) Sending notice to your email address (if provided); and/or (c) Providing notice through the Site. 16.2 Effect of Continued Use Your continued use of the Site or Services after modifications become effective constitutes your acceptance of the modified Terms. If you do not agree to the modified Terms, you must stop using the Site and Services. 16.3 Dispute Resolution Modifications Any modifications to the dispute resolution provisions will not apply to disputes that arose before the modification became effective. 17. TERMINATION 17.1 Termination by Company The Company may terminate or suspend your access to the Site or Services immediately, without prior notice or liability, for any reason, including without limitation if you: (a) Breach these Terms; (b) Provide false or misleading information; (c) Engage in fraudulent or illegal activity; (d) Violate the rights of others; (e) Use the Site in a manner that may harm the Company or third parties. 17.2 Effect of Termination Upon termination: (a) Your right to use the Site and Services immediately ceases; (b) Provisions that by their nature should survive termination shall survive, including but not limited to disclaimers, limitations of liability, indemnification, dispute resolution, and governing law provisions. 17.3 No Liability The Company shall not be liable to you or any third party for any termination of your access to the Site or Services. 18. COPYRIGHT INFRINGEMENT POLICY 18.1 DMCA Compliance The Company respects the intellectual property rights of others and expects Users to do the same. We respond to notices of alleged copyright infringement that comply with the Digital Millennium Copyright Act ("DMCA"). 18.2 Filing a DMCA Notice If you believe that content on the Site infringes your copyright, please send a written notice to our Designated Agent containing: (a) A physical or electronic signature of the copyright owner or authorized representative; (b) Identification of the copyrighted work claimed to have been infringed; (c) Identification of the material that is claimed to be infringing and information reasonably sufficient to permit us to locate the material; (d) Your contact information, including address, telephone number, and email address; (e) A statement that you have a good faith belief that use of the material is not authorized by the copyright owner, its agent, or the law; (f) A statement that the information in the notification is accurate and, under penalty of perjury, that you are authorized to act on behalf of the copyright owner. Send DMCA notices to: Homeowner Program LLC DMCA Agent 2810 N Church St #519178 Wilmington, DE 19802 Email: info@homeownerprogram.net 18.3 Repeat Infringers The Company will terminate access to the Site for Users who are repeat infringers. 19. STATE-SPECIFIC CONSUMER RIGHTS 19.1 General Consumer Rights Residents of certain states may have additional rights under state consumer protection laws, including: • The right to access personal information; • The right to correct inaccurate personal information; • The right to delete personal information; • The right to opt out of the sale of personal information; • The right to opt out of targeted advertising; • The right to limit use of sensitive personal information. Please refer to our Privacy Policy for additional information about your privacy rights. 19.2 California Residents If you are a California resident, you 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 Website: www.dca.ca.gov 19.3 Other State Residents Residents of other states with consumer protection laws should consult their state Attorney General's office or consumer protection agency for information about their rights. 20. GENERAL PROVISIONS 20.1 Entire Agreement These Terms, together with the Privacy Policy and any other documents expressly incorporated by reference, constitute the entire agreement between you and the Company regarding the Site and Services, and supersede all prior or contemporaneous communications and proposals. 20.2 Waiver No waiver of any term or condition shall be deemed a further or continuing waiver of such term or any other term. The Company's failure to assert any right or provision under these Terms shall not constitute a waiver of such right or provision. 20.3 Severability If any provision of these Terms is held to be invalid, illegal, or unenforceable, the validity, legality, and enforceability of the remaining provisions shall not be affected or impaired. 20.4 Assignment The Company may assign or transfer these Terms, in whole or in part, without restriction. You may not assign or transfer any of your rights or obligations under these Terms without the Company's prior written consent. 20.5 No Agency Nothing in these Terms creates any agency, partnership, joint venture, or employment relationship between you and the Company. 20.6 Third-Party Beneficiaries Service Providers and Partners are express third-party beneficiaries of these Terms and may enforce provisions that relate to them. 20.7 Force Majeure The Company shall not be liable for any failure or delay in performance due to causes beyond its reasonable control, including but not limited to acts of God, war, terrorism, riots, embargoes, acts of civil or military authorities, fire, floods, accidents, pandemics, strikes, or shortages of transportation, facilities, fuel, energy, labor, or materials. 20.8 Headings Headings and section titles are for convenience only and do not affect the interpretation of these Terms. 20.9 Electronic Communications You consent to receive communications from the Company electronically. You agree that all agreements, notices, disclosures, and other communications provided electronically satisfy any legal requirement that such communications be in writing. 20.10 Export Control You may not use, export, import, or transfer the Site except as authorized by U.S. law and the laws of the jurisdiction in which you obtained access to the Site. 21. CONTACT INFORMATION If you have any questions, concerns, or complaints about these Terms or the Site, please contact us: Homeowner Program LLC 2810 N Church St #519178 Wilmington, DE 19802 Email: info@homeownerprogram.net 22. ACKNOWLEDGMENT BY USING THE SITE OR SERVICES, YOU ACKNOWLEDGE THAT YOU HAVE READ THESE TERMS OF USE, UNDERSTAND THEM, AND AGREE TO BE BOUND BY THEM. IF YOU DO NOT AGREE TO THESE TERMS, YOU MUST NOT ACCESS OR USE THE SITE OR SERVICES. --- Last Updated: November 10, 2025 © 2025 Homeowner Program LLC. All rights reserved.