TERMS AND CONDITIONS Last Updated: January 1 2026 Welcome to Exclusive National Home & Auto Club, LLC (“Company,” “we,” “us,” or “our”). These Terms and Conditions (“Terms”) govern your access to and use of our website, www.homecare-direct.com (the “Site”), and any services, products, warranty plans, and related features offered through the Site. By accessing or using the Site, you agree to these Terms. If you do not agree, do not use the Site. 1) ELIGIBILITY You must be at least 18 years old to use this Site. By using the Site, you represent that you are legally able to enter into these Terms. 2) WEBSITE USE You agree to use the Site for lawful purposes only. You may not: Use the Site in a way that violates any law or regulation Attempt to hack, damage, disrupt, or overload the Site Use automated tools (bots, scrapers) without our permission Upload or transmit malicious code Misrepresent your identity or provide false information 3) HOME WARRANTY INFORMATION DISCLAIMER The Site may contain information about home warranty coverage, services, pricing, and plan options. All plan coverage is subject to the official service agreement and terms of your specific warranty contract. The information on the Site is provided for general informational purposes only and may not reflect the exact terms of your plan. 4) NO GUARANTEE OF COVERAGE OR SERVICE APPROVAL Submitting a claim, service request, or inquiry does not guarantee: Coverage approval Payment for repairs Service availability Contractor availability Same-day or next-day service Coverage decisions are determined by the terms of your warranty agreement. 5) SERVICE PROVIDERS / THIRD-PARTY CONTRACTORS Home warranty services may be performed by third-party contractors. We are not responsible for: The acts or omissions of independent contractors Delays caused by contractor availability Any damages caused by a contractor’s work Contractor scheduling or workmanship disputes If you have a service issue, contact us and we will assist in accordance with your plan. 6) PRICING AND PAYMENTS If payments are accepted through the Site: You agree to provide accurate billing information You authorize us (and our payment processors) to charge your selected payment method All fees are subject to the terms of your warranty contract We may change pricing, service fees, and plan rates at any time as permitted by law and contract terms. 7) REFUNDS AND CANCELLATIONS Refunds and cancellations are governed by the cancellation and refund terms in your warranty contract. If you have questions, contact us at: customersupport@exclusivenationalautoclub.com 8) TEXT MESSAGES, CALLS, AND CONSENT By providing your phone number, you agree that we may contact you by: Phone call Text message (SMS/MMS) Email These communications may include customer service, policy updates, service dispatch, and marketing (where permitted). Message and data rates may apply. You can opt out of marketing texts by replying STOP. 9) INTELLECTUAL PROPERTY All content on the Site, including: Logos Text Graphics Designs Photos Videos Software is owned by or licensed to Exclusive National Home & Auto Club and is protected by copyright, trademark, and other laws. You may not copy, reproduce, or distribute Site content without written permission. 10) THIRD-PARTY LINKS The Site may contain links to third-party websites. We do not control and are not responsible for: Third-party content Third-party privacy policies Third-party practices or services Access third-party sites at your own risk. 11) DISCLAIMER OF WARRANTIES THE SITE AND ALL CONTENT ARE PROVIDED “AS IS” AND “AS AVAILABLE.” TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, INCLUDING: MERCHANTABILITY FITNESS FOR A PARTICULAR PURPOSE NON-INFRINGEMENT ACCURACY OR RELIABILITY OF CONTENT UNINTERRUPTED OR ERROR-FREE ACCESS 12) LIMITATION OF LIABILITY TO THE MAXIMUM EXTENT PERMITTED BY LAW, [COMPANY NAME] WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING OUT OF OR RELATED TO YOUR USE OF THE SITE. IN NO EVENT SHALL OUR TOTAL LIABILITY EXCEED THE AMOUNT YOU PAID TO US THROUGH THE SITE IN THE LAST 12 MONTHS, OR $100, WHICHEVER IS GREATER. Some states do not allow certain limitations, so these may not apply to you. 13) INDEMNIFICATION You agree to defend, indemnify, and hold harmlessExclusive National Home & Auto Club, its officers, employees, agents, affiliates, and contractors from any claims, damages, liabilities, losses, and expenses (including attorneys’ fees) arising from: Your use of the Site Your violation of these Terms Your violation of any law or third-party rights 14) PRIVACY Your use of the Site is also governed by our Privacy Policy: See page “Privacy Policy” 15) CHANGES TO THESE TERMS We may update these Terms at any time. Updates will be posted on this page with a revised “Last Updated” date. Continued use of the Site means you accept the updated Terms. 16) GOVERNING LAW These Terms are governed by the laws of the State of New Jersey, without regard to conflict of law principles. 17) DISPUTE RESOLUTION (OPTIONAL) If you want, you can include one of the following: Arbitration clause Class action waiver Informal dispute resolution requirement