SUBSCRIPTION AND RECURRING BILLING POLICY — HOUSER / HOUSER PLUS

Last updated: May 2026

1. INTRODUCTION

This Subscription and Recurring Billing Policy sets out the rules that apply to recurring subscription models, automatic billing, renewal, cancellation, suspension, minimum term, upgrade, downgrade, refund, and financial management of the recurring services provided by Houser, including the Houser Plus program.

The purpose of this policy is to:

• ensure commercial transparency;
• govern recurring billing;
• establish operational criteria;
• mitigate financial risk;
• reduce disputes;
• ensure contractual predictability;
• strengthen compliance and operational governance.

By enrolling in any Houser recurring plan, the user acknowledges and agrees to the terms of this policy.

2. PURPOSE

This policy aims to:

• regulate recurring subscriptions;
• define automatic renewal rules;
• govern recurring payments;
• structure cancellations;
• establish rules for late payments;
• organize upgrades, downgrades, and pauses;
• govern preventive financial holds and anti-fraud measures.

3. SCOPE

This policy applies to:

• Houser Plus;
• recurring plans;
• digital subscriptions;
• continuous services;
• memberships;
• benefit clubs;
• operational plans;
• services with automatic billing;
• loyalty programs linked to Houser.

4. DEFINITIONS

4.1 Recurring Subscription

A commercial model in which the user authorizes periodic automatic charges tied to the contracted plan.

4.2 Subscription

A continuous contractual relationship based on:

• automatic renewal;
• periodic billing;
• ongoing benefits and services.

4.3 Billing Cycle

The financial period of the subscription, which may be:

• monthly;
• quarterly;
• semi-annual;
• annual;
• other as commercially defined.

5. NATURE OF SERVICES

Houser's recurring services are:

• operational;
• technological;
• assistive;
• non-insurance in nature.

The plans:

• do not constitute insurance;
• do not represent a home warranty;
• do not guarantee unrestricted coverage;
• do not ensure absolute availability.

6. ENROLLMENT AND DIGITAL ACCEPTANCE

Enrollment may occur through:

• electronic acceptance;
• digital signature;
• checkbox;
• platform authentication;
• operational confirmation.

Digital records:

• will have legal validity as permitted by law;
• may be used as evidence;
• will be part of the operational audit trail.

7. AUTOMATIC RENEWAL

7.1 Authorization

By enrolling in the plan, the user expressly authorizes:

• automatic charges;
• recurring renewal;
• use of the linked payment method.

7.2 Renewal

The subscription will automatically renew at the end of each cycle, unless:

• previously cancelled;
• payment is past due;
• the plan is discontinued;
• operationally suspended.

7.3 Communication

Houser may:

• send notifications;
• provide alerts;
• communicate contractual changes;
• notify price changes and commercial updates.

8. RECURRING BILLING

Charges may be processed via:

• credit card;
• debit card;
• ACH bank transfer;
• digital wallet;
• instant payment methods;
• third-party payment gateways.

Houser may use:

• Stripe;
• other authorized payment processors;
• financial partners;
• anti-fraud platforms;
• split-payment mechanisms;
• preventive hold mechanisms.

9. PRICE CHANGES AND COMMERCIAL UPDATES

Houser may:

• adjust prices;
• change benefits;
• revise limits;
• update plans;
• modify SLAs;
• change operational rules.

Price changes may result from:

• inflation;
• operational costs;
• technology evolution;
• strategic changes;
• regulatory adjustments.

10. PAST-DUE PAYMENTS

10.1 Consequences

Past-due payments may result in:

• suspension of benefits;
• operational limitations;
• preventive blocks;
• retention of advantages;
• cancellation of the subscription;
• restriction of service requests.

10.2 Collection Attempts

Houser may perform:

• new automatic retries;
• notifications;
• administrative collection;
• temporary blocks.

10.3 Reactivation

Reactivation may depend on:

• settling the outstanding balance;
• anti-fraud validation;
• operational availability.

11. CANCELLATION

11.1 Request

The user may request cancellation through Houser's official channels.

11.2 Timing

Cancellation may take effect:

• immediately;
• at the end of the current cycle;
• as defined in the contracted plan.

11.3 Minimum Term

Certain plans may have:

• minimum stay periods;
• promotional minimum-term commitments;
• benefits conditioned on staying;
• discounts tied to a minimum term.

11.4 Cancellation for Violation

Houser may unilaterally cancel subscriptions in cases of:

• fraud;
• past-due payments;
• misuse;
• operational risk;
• contractual violation;
• anti-fraud manipulation;
• failure to comply with applicable policies.

12. UPGRADE AND DOWNGRADE

12.1 Upgrade

The user may migrate to a higher plan, subject to:

• commercial availability;
• the rules in effect;
• prorated billing.

12.2 Downgrade

Downgrades may:

• change benefits;
• modify SLAs;
• reduce operational limits;
• take effect in the following cycle.

13. PAUSE / OPERATIONAL FREEZE

Some plans may allow:

• temporary suspension;
• operational pause;
• subscription freeze.

Eligibility depends on:

• the plan category;
• the requested period;
• the commercial rules in force.

During the pause:

• benefits may be suspended;
• service requests may be limited;
• certain features may be unavailable.

14. REFUNDS

14.1 General Rules

Refunds may depend on:

• the stage of the billing cycle;
• usage of the benefits;
• service requests already fulfilled;
• operational costs;
• Houser's Refund Policy.

14.2 Prorated Refund

Houser may:

• grant credit;
• issue a prorated refund;
• deny a refund when the plan has been substantially used.

14.3 Non-Recoverable Operational Costs

The following may be considered:

• payment-processing fees;
• onboarding costs;
• anti-fraud fees;
• financial processing;
• benefits consumed;
• service requests already handled;
• operational expenses already incurred.

15. PREVENTIVE HOLDS AND ANTI-FRAUD

Houser may:

• place preventive holds;
• suspend benefits;
• block charges;
• limit functionalities;
• retain payouts;
• review suspicious subscriptions.

Especially in cases of:

• chargeback;
• fraud;
• account inconsistency;
• operational abuse;
• misuse;
• financial risk.

16. EVIDENCE AND RECORDS

Houser may maintain:

• logs;
• timestamps;
• electronic acceptance;
• device fingerprint;
• payment history;
• geolocation;
• operational records;
• audit trails;
• plan-change history.

Records may be used for:

• audit;
• compliance;
• fraud prevention;
• administrative and judicial defense.

17. OPERATIONAL LIMITATIONS

Houser may:

• limit service requests;
• restrict regional coverage;
• change availability;
• suspend features;
• modify integrations;
• perform systems maintenance.

Services operate on a best-operational-effort basis.

18. LIMITATION OF LIABILITY

Houser:

• does not guarantee uninterrupted availability;
• does not guarantee freedom from failures;
• does not guarantee unlimited coverage;
• does not offer insurance guarantees.

To the extent permitted by applicable law, Houser's liability may be limited to the amount actually paid for the plan involved in the dispute.

19. COMPLIANCE AND DATA PROTECTION

Subscription management will observe:

• applicable data-protection laws (including CCPA/CPRA where applicable);
• Privacy Policy;
• Anti-Fraud Policy;
• AI Governance;
• information-security controls;
• financial compliance.

20. POLICY CHANGES

Houser may periodically revise this Policy to reflect:

• regulatory changes;
• operational evolution;
• new products;
• technology updates;
• strategic reviews.

Updated versions will remain available through Houser's official channels.

21. FINAL PROVISIONS

This Policy is part of Houser's regulatory and operational framework, together with:

• Houser Plus Commercial Terms;
• Financial Policy;
• Anti-Fraud Policy;
• Operational SLA;
• Privacy Policy;
• AI Governance;
• other applicable policies.

Continued use of the recurring services implies acknowledgment and agreement with this Policy and its updates.