These Terms of Service (“Terms”) govern your access to and use of homeownerspreferred.com and any related webpages, directories, content, features, or services provided by Homeowners Preferred (collectively, the “Website”).

The Website is operated by [LEGAL COMPANY NAME], doing business as Homeowners Preferred (“Homeowners Preferred,” “we,” “us,” or “our”).

By accessing or using the Website, you agree to these Terms. If you do not agree to these Terms, do not use the Website.

1. Purpose of the Website

Homeowners Preferred provides information about independent contractors and home-service providers serving selected geographic areas.

The Website is intended to help homeowners discover and evaluate potential service providers. Homeowners Preferred may feature, recommend, categorize, or provide contact information for participating providers.

Homeowners Preferred is a marketing, directory, and referral platform. Unless expressly stated otherwise in writing, we do not perform the services advertised by the providers listed on the Website.

2. Eligibility

You must be at least 18 years old and legally capable of entering into a binding agreement to use the Website.

By using the Website, you represent that you meet these requirements.

3. Independent Service Providers

All contractors and service providers displayed on the Website are independent businesses. They are not employees, agents, partners, joint venturers, or representatives of Homeowners Preferred.

Homeowners Preferred is not a party to any contract entered into between a homeowner and a service provider.

Any agreement for services, including its scope, schedule, price, payment terms, warranties, permits, insurance, and performance standards, is solely between the homeowner and the selected provider.

4. Provider Screening

Homeowners Preferred may review certain information about participating service providers. Screening criteria may include factors such as:

• Years in business;
• Publicly available customer ratings or reviews;
• Portfolio or project quality;
• Reputation;
• Service area;
• Licenses or certifications where applicable;
• Insurance information; and
• Other business qualifications selected by Homeowners Preferred.

Screening is based on information available to us at the time of review. Information may subsequently change, expire, become inaccurate, or become incomplete.

Inclusion on the Website does not constitute a guarantee, certification, warranty, or continuing verification of a provider’s:

• Licensing;
• Insurance;
• Background;
• Financial condition;
• Availability;
• Workmanship;
• Safety;
• Pricing;
• Reliability;
• Legal compliance; or
• Suitability for a particular project.

Homeowners should independently verify all information material to their project before hiring a provider.

5. Featured and Sponsored Placements

Some service providers may pay an advertising, membership, sponsorship, referral, or placement fee to appear on the Website or receive enhanced visibility.

A provider may be identified as “Featured,” “Preferred,” “Partner,” “Sponsored,” or by similar terminology.

Paid placement does not eliminate the homeowner’s responsibility to independently evaluate a provider. Placement order does not necessarily represent an objective ranking of every provider available in the market.

6. Homeowner Responsibilities

Before retaining a service provider, you are responsible for conducting your own due diligence, including as appropriate:

• Confirming the provider’s identity and business information;
• Verifying licenses, registrations, insurance, and bonding;
• Reviewing recent references and completed work;
• Obtaining and comparing written estimates;
• Reviewing the complete written contract;
• Confirming warranties and payment terms;
• Confirming responsibility for permits and inspections;
• Checking applicable government or licensing records; and
• Consulting appropriate legal, financial, engineering, architectural, or other professionals.

You are solely responsible for deciding whether to contact, hire, or enter into an agreement with a provider.

7. No Professional Advice

Website content is provided for general informational and marketing purposes.

Nothing on the Website constitutes legal, financial, engineering, architectural, insurance, real-estate, construction, safety, or other professional advice.

You should consult a qualified professional regarding decisions requiring specialized advice.

8. Provider Information and Availability

We attempt to present useful and accurate provider information, but we do not guarantee that every listing, description, service area, qualification, image, review, price, or availability statement is complete, accurate, or current.

Providers are responsible for the information they supply.

We may add, remove, suspend, modify, or reorder provider listings at any time. We do not guarantee that any category, provider, service, offer, or geographic area will remain available.

9. Communications With Providers

When you follow a link, call a telephone number, or otherwise contact a provider displayed on the Website, you are communicating directly with that independent provider.

The provider’s collection and use of your information is governed by its own privacy practices.

Homeowners Preferred is not responsible for:

• Whether a provider responds;
• The speed or content of a response;
• Communications between you and a provider;
• Marketing messages sent by a provider;
• Quotes or estimates;
• Scheduling;
• Payment collection;
• Contract negotiations; or
• The provider’s use of information you give it.

10. Acceptable Use

You may use the Website only for lawful, personal, and legitimate business purposes.

You may not:

• Violate any applicable law or regulation;
• Use the Website for fraudulent, deceptive, or harmful activity;
• Misrepresent your identity, qualifications, business, or affiliation;
• Scrape, harvest, extract, copy, or compile Website information through automated means without written permission;
• Interfere with Website operation, performance, or security;
• Introduce viruses, malware, malicious code, or harmful content;
• Attempt to gain unauthorized access to any system or data;
• Circumvent security or access controls;
• Impersonate Homeowners Preferred or another person or organization;
• Use Website content to create a competing directory or database;
• Send unsolicited commercial communications using information obtained from the Website; or
• Infringe another party’s intellectual-property, privacy, publicity, or contractual rights.

11. Intellectual Property

The Website and its original content, including its design, layout, text, graphics, logos, branding, icons, photographs, videos, software, databases, and other materials, are owned by or licensed to Homeowners Preferred and are protected by applicable intellectual-property laws.

Subject to these Terms, Homeowners Preferred grants you a limited, revocable, nonexclusive, nontransferable license to access and use the Website for its intended purpose.

You may not reproduce, distribute, publicly display, modify, create derivative works from, sell, license, or commercially exploit Website content without prior written permission from Homeowners Preferred or the applicable rights holder.

Provider names, logos, photographs, trademarks, and materials may belong to their respective owners.

12. Feedback

If you submit suggestions, ideas, comments, or other feedback regarding the Website, you grant Homeowners Preferred a worldwide, perpetual, irrevocable, royalty-free license to use, reproduce, modify, publish, and otherwise use that feedback without restriction or compensation.

This provision does not transfer ownership of personal information submitted in connection with a privacy request.

13. Third-Party Websites

The Website may link to provider websites, social-media platforms, review websites, or other third-party resources.

Links are provided for convenience and do not constitute control over or responsibility for those third parties.

Homeowners Preferred is not responsible for the availability, accuracy, security, content, products, services, terms, privacy practices, or conduct of a third-party website or business.

You access third-party resources at your own risk.

14. Disclaimer of Warranties

TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE WEBSITE AND ALL INFORMATION, LISTINGS, CONTENT, AND FEATURES ARE PROVIDED “AS IS” AND “AS AVAILABLE.”

HOMEOWNERS PREFERRED DISCLAIMS ALL EXPRESS, IMPLIED, AND STATUTORY WARRANTIES, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, ACCURACY, SECURITY, AVAILABILITY, AND QUALITY.

WE DO NOT WARRANT THAT:

• THE WEBSITE WILL BE UNINTERRUPTED, ERROR-FREE, OR SECURE;
• WEBSITE INFORMATION WILL ALWAYS BE COMPLETE OR CURRENT;
• ANY PROVIDER WILL BE AVAILABLE OR SUITABLE;
• A PROVIDER WILL COMPLETE WORK ON TIME, ON BUDGET, SAFELY, OR TO YOUR SATISFACTION;
• A PROVIDER WILL COMPLY WITH A CONTRACT OR APPLICABLE LAW; OR
• USING A FEATURED OR LISTED PROVIDER WILL PRODUCE A PARTICULAR RESULT.

Some jurisdictions do not permit certain warranty exclusions. In those jurisdictions, these exclusions apply only to the extent permitted by law.

15. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, HOMEOWNERS PREFERRED AND ITS OWNERS, OFFICERS, EMPLOYEES, AGENTS, AFFILIATES, LICENSORS, AND SERVICE PROVIDERS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, EXEMPLARY, CONSEQUENTIAL, OR PUNITIVE DAMAGES.

THIS INCLUDES DAMAGES ARISING FROM:

• YOUR USE OF OR INABILITY TO USE THE WEBSITE;
• YOUR RELIANCE ON WEBSITE CONTENT;
• YOUR SELECTION OR USE OF A SERVICE PROVIDER;
• PROPERTY DAMAGE;
• PERSONAL INJURY;
• DEFECTIVE OR INCOMPLETE WORK;
• DELAYS;
• PAYMENT DISPUTES;
• LOST PROFITS OR REVENUE;
• LOSS OF DATA;
• BUSINESS INTERRUPTION;
• UNAUTHORIZED ACCESS;
• PROVIDER CONDUCT; OR
• THIRD-PARTY WEBSITES OR SERVICES.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, HOMEOWNERS PREFERRED’S TOTAL LIABILITY ARISING FROM OR RELATING TO THE WEBSITE OR THESE TERMS WILL NOT EXCEED THE GREATER OF:

1. The amount you paid directly to Homeowners Preferred during the six months preceding the event giving rise to the claim; or
2. One hundred United States dollars.

These limitations apply regardless of the legal theory asserted and even if Homeowners Preferred has been advised of the possibility of damages.

Some jurisdictions do not allow certain liability limitations. In those jurisdictions, the limitations apply only to the extent permitted by law.

16. Indemnification

To the maximum extent permitted by law, you agree to defend, indemnify, and hold harmless Homeowners Preferred and its owners, officers, employees, agents, affiliates, licensors, and service providers from claims, liabilities, damages, judgments, losses, expenses, and reasonable attorneys’ fees arising from or relating to:

• Your violation of these Terms;
• Your unlawful or improper use of the Website;
• Information or content you submit;
• Your infringement of another party’s rights; or
• A dispute between you and a service provider.

17. Suspension and Termination

We may restrict, suspend, or terminate access to the Website at any time if we reasonably believe a user has violated these Terms, created risk or potential legal exposure, interfered with Website operations, or engaged in unlawful or harmful conduct.

Provisions that logically should survive termination will remain effective, including intellectual-property, disclaimer, limitation-of-liability, indemnification, and dispute provisions.

18. Governing Law and Venue

These Terms are governed by the laws of the State of New York, without regard to its conflict-of-law principles.

Any legal action that is not subject to a valid arbitration agreement must be brought exclusively in the state or federal courts located in [ALBANY COUNTY OR OTHER APPLICABLE COUNTY], New York. You consent to the personal jurisdiction and venue of those courts.

Nothing in this section prevents either party from pursuing a claim in an eligible small-claims court.

19. Dispute Resolution and Arbitration

Attorney review is recommended before retaining this section.

Before filing a formal claim, you agree to contact Homeowners Preferred and attempt to resolve the dispute informally for at least 30 days.

Except for eligible small-claims matters or claims seeking emergency injunctive relief, any dispute arising from the Website or these Terms will be resolved through binding individual arbitration administered by the American Arbitration Association under its applicable consumer or commercial rules.

Arbitration will take place in [COUNTY], New York, unless the parties agree to another location or remote proceeding.

You and Homeowners Preferred waive the right to a jury trial and agree that claims may be brought only in an individual capacity, not as part of a class, consolidated, coordinated, or representative proceeding.

This section does not apply where prohibited by law.

20. Changes to These Terms

We may revise these Terms periodically.

Updated Terms will be posted on the Website with a revised effective date. Your continued use of the Website after revised Terms become effective constitutes acceptance of those revisions to the extent permitted by law.

21. Severability

If any provision of these Terms is found unenforceable, that provision will be enforced to the maximum extent legally permissible, and the remaining provisions will remain in effect.

22. No Waiver

A failure by Homeowners Preferred to enforce a provision of these Terms does not waive its right to enforce that provision or any other provision later.

23. Entire Agreement

These Terms and the Privacy Policy constitute the entire agreement between you and Homeowners Preferred regarding your use of the Website, except for any separate written agreement entered into between you and Homeowners Preferred.

24. Contact Information

Questions about these Terms may be directed to:

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Homeowners Preferred
Operated by: Home Owners Preferred
Email: info@homeownerspreferred.com

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