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TERMS AND CONDITIONS FOR THE TORO ASSURANCE PROGRAM (T.A.P)

Welcome to the Toro Assurance Program ("T.A.P"), a loyalty rewards initiative developed and managed by Toro Exteriors (“we,” “us,” or “Toro Exteriors”). By enrolling in T.A.P, you (“Homeowner”) agree to comply with the following Terms and Conditions, which delineate your rights, responsibilities, and benefits within the program. It is essential to review these terms meticulously before participating, as they govern all interactions you have with the program and establish a mutual understanding between you and Toro Exteriors.

PROGRAM OVERVIEW, ELIGIBILITY, AND REGISTRATION

Eligibility
General Eligibility: T.A.P is exclusively open to U.S. homeowners who are at least 18 years of age and possess a valid Toro Exteriors account. Eligible participants must own a single-family residential property located in an area serviced by Toro Exteriors.

Proof of Eligibility: To verify eligibility, potential members must provide appropriate documentation that confirms both their age and property ownership, such as a government-issued ID and property-related documents.

Enrollment Process
How to Enroll: Homeowners can enroll in T.A.P by completing the registration form available on Toro Exteriors’ official website or by directly contacting our customer support team for assistance.

Required Information: The registration process requires Homeowners to submit accurate and current personal information, including but not limited to:
Full name
Mailing address
Phone number
Email address
Proof of property ownership (e.g., tax document, utility bill, or mortgage statement).

Verification of Information: By enrolling, you confirm that all information provided is accurate and up to date. Failure to provide accurate information may result in account suspension or termination.

Single-Property Limitation
Account Association: Each Homeowner account is limited to one residential property. Homeowners are prohibited from registering multiple properties under a single T.A.P account.
Account Sharing Restrictions: Accounts are non-transferable and cannot be shared among individuals unless prior written approval is obtained from Toro Exteriors, accompanied by the necessary documentation to justify such an arrangement.

Approval of Accounts
Discretionary Review: Toro Exteriors retains the right to review, approve, or deny T.A.P registrations at its sole discretion. This process may include verification of the documentation provided and assessment of the information submitted.

Termination of Accounts: Toro Exteriors reserves the right to terminate any T.A.P accounts if any violations of program terms occur or if there are reasonable grounds to suspect fraudulent activities. Homeowners will be notified via email of any account status changes, including potential termination.

POINTS ACCUMULATION AND EXPIRATION TERMS

Points Accumulation
How Points Are Earned: Homeowners can earn points by purchasing eligible services from Toro Exteriors, accruing 1 point for every $10 spent. This structure incentivizes higher spending while engaging with our services.

Monthly and Annual Caps: Each month, Homeowners can accumulate 20 points or more, culminating annually of at least 240 points. This cap is designed to encourage ongoing engagement while maintaining the program's sustainability.

Points Crediting Timeline
Accrual Process: Points will be credited to the Homeowner's T.A.P account within 7 business days after payment confirmation for eligible invoices.

Account Balance Monitoring: Homeowners can conveniently monitor their point balance through their online account dashboard or by contacting customer support during business hours for assistance.

Points Expiration
Expiration Policy: Unredeemed points will automatically expire 6 months after cancelation of subscription. Homeowners are strongly encouraged to keep track of their point balances and to utilize their points before they expire, as there will be no compensation or refund provided for any expired points.

Notification of Expiration: Toro Exteriors may send reminders regarding point expiration; however, it is ultimately the Homeowner's responsibility to be aware of their point status.

Exclusions for Point Accrual
Non-Qualifying Purchases: Points cannot be accrued for:
Non-service fees, such as administrative or processing fees.
Taxes and third-party service fees.
Any canceled or refunded services.

Direct Services Only: Points are exclusively earned on services rendered directly by Toro Exteriors and do not apply to any products purchased from third-party vendors or partners.

POINTS REDEMPTION AND USAGE GUIDELINES

Redeemable Services and Limits
Eligible Services for Point Redemption: Homeowners may apply their accrued points toward invoices for a variety of services offered by Toro Exteriors. The following categories outline the eligible services:
Cash Bids: Points can be redeemed to lower the total amount due on cash bids provided by Toro Exteriors. This includes services such as roofing, siding, gutters, and other exterior home improvements outlined in the cash bid.
Insurance-Related Invoices: Points may be used to offset charges related to services performed as part of an insurance claim. This includes:
Repairs and maintenance following storm damage or other insurable events.
Assessments performed to evaluate damage for insurance claims.
Any service calls initiated for the purpose of processing or following up on insurance claims.
Insurance Deductibles: Homeowners may apply points to cover insurance deductibles when using services covered under an insurance policy. This reduces the Homeowner's out-of-pocket expense during claims processing.

Ineligible Transactions for Point Redemption: Points accrued through the T.A.P program cannot be redeemed for cash or for transactions that do not directly relate to the services provided by Toro Exteriors. Specifically, points cannot be applied to:
Non-Service Fees: Any administrative fees, service charges, or other non-service-related costs.
Taxes and Third-Party Fees: Any applicable state, federal, or local taxes, and fees charged by third-party vendors.
Canceled or Refunded Services: Points will not be awarded or redeemable for services that have been canceled or refunded.
Products from Third-Party Vendors: Purchases made for products not directly provided by Toro Exteriors are also ineligible for point accrual or redemption.

Non-Stacking Policy
Application of Discounts and Promotions: Homeowners are strictly prohibited from combining T.A.P points with other discounts, promotions, or special offers on a single invoice. This non-stacking policy is crucial to uphold the integrity and sustainability of the T.A.P program.

Single Transaction Limitations: Only one form of discount, including T.A.P points, can be utilized per transaction. This means that if a Homeowner wishes to apply points to an invoice, they must forgo any other promotional discounts or offers for that specific transaction.

Communication and Acknowledgment: At the time of point redemption, Homeowners will receive a clear communication outlining the non-stacking policy. It is the Homeowner's responsibility to read and understand this policy prior to finalizing any transaction.

Single Property Application
Property-Specific Redemption Criteria: Points accrued in a T.A.P account can only be redeemed for services rendered at the residential property linked to that account. The linkage ensures that all accrued benefits are directly associated with the Homeowner’s primary residence.

Multiple Property Account Requirements: Homeowners who own multiple properties are required to establish separate T.A.P accounts for each property. Each account will independently manage points accumulation and redemption, ensuring clarity and accurate tracking of rewards for each property.

Points Transfer Restrictions Between Accounts: Points accrued in one property’s T.A.P account are non-transferable and cannot be applied to another property’s services unless a formal points transfer process is initiated (as outlined in Section 4).

TRANSFER OF POINTS UPON HOMEOWNER RELOCATION

Relocation Requirements
Homeowner Notification Obligation: In the event that the Homeowner relocates to a new residence, it is the Homeowner's responsibility to inform Toro Exteriors of their relocation within 30 days from the date of their move. This timely notification is essential for facilitating the transfer of any active points to the new property.
Validity of Points Transfer: Points accumulated prior to the Homeowner's relocation can be transferred to the new property, provided that the Homeowner adheres to the 30-day notification requirement and fulfills all necessary documentation and eligibility criteria as outlined below.

Verification of Ownership
Requirements for Ownership Documentation: The transfer of points is contingent upon the Homeowner’s ability to provide satisfactory documentation that verifies ownership of the new property. Acceptable forms of documentation may include, but are not limited to:
Closing Documents: A copy of the closing statement or purchase agreement that clearly indicates the Homeowner’s name as the purchaser.
Property Deed: A recorded deed that reflects the Homeowner's ownership of the new property.
Utility Bills or Tax Statements: Recent utility bills or property tax documents that list the Homeowner’s name and the new property address.

Serviceable Area Confirmation: The new property must fall within Toro Exteriors’ established serviceable area for points transfer to be approved. Homeowners are encouraged to verify service availability in their new location before submitting a transfer request.

Transfer Limitations
Irrevocability of Transfers: Once points have been successfully transferred to the new property, those points cannot be reverted back to the original property or transferred again within 12 months. This policy helps maintain clarity and ensures that points are associated with the property where services are rendered.

Review Period for Transfer Requests: All requests for points transfer are subject to a review period of up to 14 business days from the date the request is received by Toro Exteriors. During this time, the company will verify the Homeowner's relocation details and ownership documentation before approving the transfer.

Communication of Transfer Status: Homeowners will receive a notification via the email address associated with their T.A.P account regarding the status of their transfer request. This communication will include confirmation of the transfer approval or details regarding any issues that may have arisen during the review process.

PAYMENT AUTHORIZATION, PROCESSING, AND DATA SECURITY

Credit/Debit Card Information Collection
Consent for Information Sharing: By enrolling in the Toro Assurance Program (T.A.P), Homeowners provide explicit consent to Toro Exteriors to collect, process, and store their credit or debit card information. This information is collected for the following purposes:
Automated Billing: To facilitate automated billing related to T.A.P services and other associated transactions.
Payment for Additional Services: For processing payments for any additional services that the Homeowner may request or authorize.

Types of Transactions: The credit or debit card information will be utilized for various transaction types, including but not limited to:
Recurring Payments: Payments for scheduled services that recur at predetermined intervals, such as monthly or annually.
One-Time Payments: Charges for specific services rendered upon request by the Homeowner that do not fall under the recurring category.
Service Upgrades or Modifications: Charges associated with upgrades or modifications to existing services, which may be initiated by the Homeowner.

Automated Billing Authorization
Authorization for Recurring Charges: By providing their credit or debit card information, Homeowners authorize Toro Exteriors to initiate automatic charges for the following:
Routine Inspections: Scheduled assessments of the Homeowner's property to check for damages or necessary maintenance.
Maintenance Fees: Fees associated with ongoing maintenance services included under T.A.P.
Pre-Approved Services: Any additional services that have been pre-approved by the Homeowner and agreed upon, including those that may arise from inspections or emergency requests.

Responsibility for Payment Information: Homeowners are responsible for maintaining accurate and up-to-date payment information on file, which includes:
Updating Card Information: Timely updates to any changes in card details, such as new card numbers, expiration dates, or changes in billing addresses.
Notification of Payment Issues: Immediate notification to Toro Exteriors in the event of any issues with payment processing, such as lost or stolen cards, to avoid service interruptions.

Third-Party Payment Processing
Use of Secure Payment Processors: Toro Exteriors employs third-party payment processors that comply with high security and data privacy standards, ensuring that all transactions are conducted securely.

Data Storage and Security Measures: Toro Exteriors does not directly store Homeowners' credit or debit card information on its servers. Security measures employed include:
Encryption: All sensitive information is encrypted during transmission using industry-standard encryption protocols, safeguarding data from unauthorized access.
Compliance Standards: Third-party processors adhere to industry standards such as PCI-DSS (Payment Card Industry Data Security Standard) to guarantee the protection of cardholder data.
Regular Security Audits: Toro Exteriors and its payment processors undergo regular security audits and assessments to identify and rectify potential vulnerabilities.

Opting Out of Automatic Billing
Procedure to Opt Out: Homeowners wishing to opt out of automatic billing must submit a formal written request to Toro Exteriors customer support. The request should include:
Full Name: The Homeowner’s complete name as registered in the T.A.P account.
5.4.1.2 Account Number: The associated T.A.P account number for identification.
5.4.1.3 Statement of Intent: A clear statement expressing the desire to opt out of automatic billing and the effective date of this change.

Implications of Opting Out: Opting out of automatic billing may result in several consequences, including:
Manual Payment Requirement: Homeowners will be required to make manual payments for all services, which may lead to delays in scheduling and processing.
Loss of Benefits: Potential loss of eligibility for certain promotional offers or discounts tied to automated billing arrangements.
Increased Administrative Fees: Manual payment processing may incur additional administrative fees, which will be clearly communicated to the Homeowner.

PROPERTY INSPECTIONS AND CONSENT FOR EXTERIOR ACCESS

Annual and Post-Storm Inspections
Overview of Inspection Services: Toro Exteriors provides comprehensive exterior inspections annually, as well as following significant storms or natural events. These inspections are designed to:
Assess Damage: Identify any damage resulting from severe weather events, including but not limited to hail, wind, or heavy rainfall.
Evaluate Wear and Tear: Analyze the condition of various exterior components and materials, noting any that may require immediate maintenance or repair.
Ensure Safety: Maintain the safety and integrity of the Homeowner’s property by identifying potential hazards or issues early on.

Purpose of Inspections: The primary goal of these inspections is to ensure ongoing property safety and integrity, providing the Homeowner with peace of mind and timely interventions if issues are identified.

Notification of Inspection
Advance Notification Protocol: Toro Exteriors will provide the Homeowner with a notification at least 24 hours prior to each scheduled inspection. The notification will include:
Date and Time: Specific details regarding the scheduled inspection date and time.
Overview of Inspection Purpose: A brief description of the inspection's objectives and what the Homeowner can expect.
Contact Information: Relevant contact information for any questions or concerns the Homeowner may have regarding the inspection.

Acknowledgment and Access: If Toro Exteriors does not receive an acknowledgment from the Homeowner regarding the scheduled inspection, the inspection will proceed as planned. However, it is crucial that the Homeowner ensures:
Access to Property: all necessary access points are clear and available for the inspection team.
Communication of Barriers: Any potential barriers or access restrictions are communicated in advance to avoid delays.

Inspection Scope and Limitations
Exterior Focus: Inspections conducted by Toro Exteriors are strictly limited to the exterior of the property. The following areas will be evaluated:
Roofing: Condition of roofing materials, including shingles, flashing, and other components, to check for damage or wear.
Siding: Assessment of siding materials for deterioration, mold growth, or damage that may require attention.
Windows and Doors: Checking for leaks, cracks, or operational issues that may compromise insulation or security.
Gutters and Downspouts: Evaluation of the condition of gutters and downspouts to ensure proper drainage and function.

No Interior Access Required: Toro Exteriors does not require or request access to the interior of the Homeowner’s home during these inspections. This policy ensures the privacy of the Homeowner and minimizes disruption.

Homeowner Responsibility for Access
Ensuring Unrestricted Access: Homeowners agree to ensure that any potential barriers or hazards that could impede inspection access are addressed prior to the scheduled inspection. Responsibilities include:
Removing Obstacles: Ensuring that pathways, entry points, and any obstacles that could hinder access to the exterior are cleared.
Granting Access: Providing keys or access codes for any locked gates or doors that lead to the exterior areas being inspected.

Consequences of Restricted Access: Failure to provide adequate access may result in a canceled or rescheduled inspection, potentially incurring additional fees. Specific consequences include:
Rescheduling Fees: If an inspection is canceled or rescheduled due to restricted access, the Homeowner may incur rescheduling fees, which will be communicated in advance.
Impact on Service Timeliness: Delays in providing access may result in postponed service and maintenance, impacting the overall care of the property.

TERMINATION, POINTS EXPIRATION UPON CANCELLATION, AND RE-ENROLLMENT POLICY

Subscription Cancellation
Cancellation Procedure: Homeowners may cancel their Toro Assurance Program (T.A.P) subscription at any time by adhering to the following procedure:
Contacting Customer Support: Homeowners must reach out to Toro Exteriors’ customer support team through the designated contact methods, including:
Phone: Homeowners can call the customer support hotline available on the Toro Exteriors website.
Email: A cancellation request can be sent to the official customer support email address provided on the website.
Online Portal: Homeowners may also log into their T.A.P account on the Toro Exteriors website and submit a cancellation request through the customer support chat feature or a dedicated cancellation form.
Verification of Identity: For security purposes, homeowners will be required to verify their identity, which may include:
Providing Account Information: Homeowners must supply their account number, registered email address, and any other identifying information.
Answering Security Questions: Homeowners may be prompted to answer security questions set during account registration to confirm their identity.
Confirmation of Cancellation: Once the cancellation request is processed, Toro Exteriors will send a confirmation email to the Homeowner, which will include:
Details of the Cancellation: Confirmation of the subscription cancellation date and any remaining points.
Grace Period Information: An outline of the six-month grace period during which points can still be redeemed.

Grace Period for Point Redemption: Following the cancellation of the T.A.P subscription, a grace period of six months will commence. During this period homeowners can utilize their remaining points for eligible services, which include:
Service Categories: Points can be redeemed against invoices for services such as maintenance, repairs, inspections, or deductibles associated with insurance claims.
Exclusions: Points may not be applicable to cash transactions or for services not covered under the T.A.P program.

Notifications of Point Balance: Toro Exteriors will provide periodic notifications to the Homeowner via email regarding:
Remaining Points Balance: Updates on the number of points left and suggestions for redemption.
Upcoming Expiration Dates: Alerts regarding points that are nearing expiration within the six-month grace period.

Point Expiry upon Cancellation
Forfeiture of Unused Points: Any points that remain unredeemed at the conclusion of the six-month grace period will be permanently forfeited. This includes:
Clear Forfeiture Terms: Homeowners acknowledge that they will not receive any compensation, monetary or otherwise, for points that are forfeited due to expiration, regardless of the reason for subscription cancellation.
Finality of Forfeiture: Once points are forfeited, they cannot be reinstated or recovered under any circumstances.

Communication of Point Status: Throughout the grace period, Toro Exteriors will clearly communicate the status of points via:
Automated Email Alerts: Regular emails providing updates about points that are still available and the deadline for redemption.
Account Dashboard Access: Homeowners can log into their T.A.P account at any time to view real-time updates regarding their points balance and expiration dates.

Re-enrollment Requirements
New Enrollment Process: Homeowners wishing to re-enroll in the T.A.P program after cancellation must undergo a new enrollment process, which includes:
Completing a New Application: Homeowners must fill out a new application form that includes:
Personal Information: Updated contact details, property information, and any other relevant data.
Service Preferences: Indicating which T.A.P services they wish to utilize upon re-enrollment.
Payment for Initial Subscription: A new subscription fee must be paid at the time of re-enrollment, which will be outlined as follows:
Fee Structure: Homeowners will be informed of the current subscription fee, which may vary based on the level of service selected.
Payment Methods: Accepted payment methods include credit/debit cards, electronic transfers, or checks.

Starting with a New Point Balance: Upon successful re-enrollment, Homeowners will begin with a new point balance. Important points regarding this process include:
Forfeited Points Irrecoverable: Homeowners acknowledge that any points forfeited during the previous membership period due to cancellation will not be reactivated or recovered in any form
Updated Terms and Conditions: Homeowners agree to abide by the current terms and conditions of the T.A.P program, which may be updated periodically. They will receive notifications regarding changes that could impact their membership or point accrual.

DATA PRIVACY, COLLECTION, AND USAGE AGREEMENT

Personal Data Collection and Consent
Scope of Data Collection: By enrolling in T.A.P, Homeowners provide explicit consent for the collection, processing, and storage of their personal information, which includes:
Contact Details: Information such as full name, primary phone number, email address, and mailing address to facilitate communication and service delivery.
Property Data: Comprehensive information related to the Homeowner’s property, including:
Property Address: The physical address of the residence receiving T.A.P services.
Property Characteristics: Size, type (e.g., single-family, multi-family), year built, and any relevant service history (e.g., previous repairs or maintenance).
Payment Information: Securely collected credit or debit card information, necessary for processing payments related to:
Subscription Fees: Recurring charges for T.A.P membership.
Service Fees: Charges for services rendered under the T.A.P program.

Purpose of Data Collection: The collected personal information will be used primarily for the following purposes:
Account Management: To create, manage, and maintain the Homeowner's T.A.P account, including tracking point accumulation and facilitating service requests.
Service Provision: To deliver services outlined in the T.A.P program, such as scheduling inspections, maintenance, and repairs, while ensuring efficient service delivery.
Communication: To send important notifications regarding account status, service reminders, promotional offers, and updates pertinent to T.A.P membership.

Data Security and Confidentiality
Security Measures: Toro Exteriors implements reasonable and appropriate measures to protect the personal data collected from Homeowners, including:
Data Encryption: Utilizing encryption technologies for data in transit and at rest to safeguard personal information from unauthorized access.
Access Controls: Limiting access to personal data strictly to authorized personnel who require such access to perform their job duties.
Role-Based Access: Establishing role-based permissions to ensure only specific employees can view or manage sensitive information.
Regular Security Audits: Conducting regular audits and assessments of data security practices to ensure compliance with industry standards and to identify potential vulnerabilities.

Compliance with Data Protection Laws: Toro Exteriors is committed to adhering to applicable data protection laws and regulations, including:
Privacy Policies: Maintaining clear and transparent privacy policies that outline how personal data is collected, used, and protected, including Homeowner rights regarding their data.
User Rights: Respecting the rights of Homeowners regarding their personal data, including the right to access, correct, or delete their information as permitted by law.

Inspection Data Usage
Internal Data Analysis: Data collected from property inspections may be used for internal analysis and the development of service recommendations, including:
Service Optimization: Analyzing inspection data to identify trends, common issues, and opportunities for improvement in service offerings.
Quality Control: Monitoring service quality and performance metrics based on inspection outcomes to enhance overall service delivery.

Promotional Offers and Marketing: Toro Exteriors may utilize aggregated inspection data to develop promotional offers tailored to Homeowners’ needs, including:
Targeted Marketing Campaigns: Creating marketing materials that showcase relevant services or products based on analysis of homeowners' properties and their service history.
Opt-Out Options: Homeowners will have the option to opt-out of receiving marketing communications at any time, ensuring their preferences are respected.

Data Retention Policy
Duration of Data Retention: Personal data will be retained for as long as necessary to fulfill the purposes for which it was collected or as required by law, including:
Service Duration: Maintaining data throughout the duration of the Homeowner's T.A.P membership and for an appropriate period thereafter to manage any post-service inquiries or issues.
Legal Compliance: Retaining records as required by applicable laws, including tax regulations and insurance requirements, which may necessitate maintaining data for specific periods.

Data Deletion Procedures: Upon expiration of the retention period, personal data will be securely deleted or anonymized through established procedures, including:
Secure Deletion Methods: Implementing secure deletion methods, such as data wiping and secure erasure protocols, to ensure that personal information cannot be recovered or reconstructed.
Notification of Data Deletion: Homeowners will be notified upon the complete deletion of their personal data from Toro Exteriors’ records, confirming the closure of their account.

MODIFICATION OF PROGRAM TERMS, BENEFITS, AND TERMINATION RIGHTS

Modification of Terms: Toro Exteriors reserves the exclusive right to modify these Terms and Conditions at any time and for any reason deemed necessary for the effective operation of the Toro Assurance Program (T.A.P). This may include:
Accrual Rates: Adjustments to the points earned per dollar spent on qualifying services, which may vary based on promotional campaigns, seasonal offers, or customer loyalty incentives.
Redemption Rules: Revisions to how points can be redeemed, including potential increases in the number of points required for specific rewards, changes in eligible products or services, or the introduction of new redemption options.
Program Policies: Updates to any operational policies, including changes to eligibility criteria for participation, maintenance of accounts, and terms surrounding account inactivity.

Notification of Changes: All updates or modifications will be communicated to Homeowners promptly through multiple channels to ensure they are aware of any changes:
Toro Exteriors Website: Notices will be prominently posted on the official website, providing details of the changes and their effective dates.
Email Notifications: Registered Homeowners will receive direct notifications via email detailing the nature of the changes, their implications, and any actions required by the Homeowners to comply with the new terms.

Benefit Adjustments
Modification of Benefits: Toro Exteriors retains the right to modify benefits associated with the T.A.P program at its discretion. This may include:
Point Accumulation Rates: Adjustments to how many points are earned for different services or products offered under T.A.P, which may reflect changes in operational costs or customer engagement strategies.
Expiration Timelines: Modifications to the duration that points remain valid, including introducing new expiration dates or criteria that determine point validity.
Special Promotions: Toro Exteriors may introduce special promotions that temporarily adjust accrual rates or enhance redemption values. Such promotions will be announced via email and on the website.

Immediate Effect of Changes: Any modifications to benefits will take effect immediately and will apply retroactively unless otherwise specified. Homeowners are strongly encouraged to review program communications regularly to stay informed about how these changes may affect their points and participation in the program.

Program Termination
Right to Terminate Program: Toro Exteriors reserves the right to terminate the T.A.P program at any time and for any reason, with a requirement of providing Homeowners with a 30-day notice period. Homeowners will be informed of the termination via email and through official notifications on the Toro Exteriors website.

Notice Period: During this 30-day notice period homeowners will have the opportunity to redeem any remaining points they have accrued. It is the responsibility of the Homeowners to utilize their points before the program's termination, as no extensions or exceptions will be made. Following the conclusion of the notice period, all points that have not been redeemed will be permanently forfeited. Homeowners will have no claim to any unredeemed points, and all remaining balances will be voided.

LIMITATION OF LIABILITY AND PROGRAM DISCLAIMERS

No Guarantee of Availability: Toro Exteriors does not guarantee the continuous availability of the T.A.P program at all times. The following factors may temporarily affect access to program features:
Technical Issues: Unexpected technical difficulties or outages in the online system or associated platforms may impede the accrual or redemption of points, causing potential delays in service.

System Maintenance: Scheduled maintenance or upgrades to the program’s infrastructure may lead to temporary unavailability of services or features, with Toro Exteriors striving to provide prior notice whenever possible.

Unforeseen Circumstances: Events outside of Toro Exteriors’ control, such as natural disasters, pandemics, or government regulations, may disrupt program functions, leading to potential delays or cancellations.

Limitations on Liability: Toro Exteriors is not liable for any direct, indirect, incidental, or consequential damages arising from participation in the T.A.P program. This includes, but is not limited to:
Forfeited Points: Loss of points due to expiration, program changes, or termination of the program, with Homeowners acknowledging the inherent risks of participation.

Missed Redemption Opportunities: Any missed chances to redeem points for benefits or rewards, including instances where points expire or the program is modified unexpectedly.

Program Modifications: Changes made to the program that affect point value, accrual, or redemption will not result in liability for Toro Exteriors.

Waiver of Claims: By participating in the T.A.P, Homeowners acknowledge and agree to waive any claims related to:
Point Forfeiture: Loss of points accrued due to termination, modification, or expiration policies as detailed herein.
10.3.2 Program Termination: Any claims arising from the termination of the program or cancellation of accounts will be barred.

No Cash Value of Points: Points accrued through the program hold no cash value and cannot be exchanged for currency or monetary benefits.

DISPUTE RESOLUTION AND GOVERNING LAW

Governing Law and Venue: These Terms and Conditions shall be governed by the laws of the state in which Toro Exteriors is located. Any disputes arising from participation in the T.A.P or related to these terms will be adjudicated in the courts of that state, ensuring all parties adhere to local regulations.

Mandatory Arbitration: Any disputes arising from or related to the T.A.P or these Terms must be submitted to binding arbitration, in accordance with the following stipulations:
Waiver of Jury Trial: Both parties expressly waive their right to a jury trial for any disputes, accepting the arbitration process as the sole method for dispute resolution.
Location of Arbitration: The arbitration proceedings will take place in the jurisdiction where Toro Exteriors is located, ensuring convenience for both parties.

Class Action Waiver: Homeowners agree that all arbitration will be conducted on an individual basis. There will be no allowance for class actions, collective actions, or representative proceedings in any arbitration process, preserving the integrity of individual claims.

CONTACT INFORMATION FOR INQUIRIES

Customer Support Contact: For questions or clarifications regarding these Terms and Conditions or the Toro Assurance Program, Homeowners may contact our customer support team via:
Email: Reach out to our support team at [admin@toroexteriorstx.com], where inquiries will typically receive a response within 24 to 48 business hours.
Phone: Call our dedicated support line at [(210)429-7527] during operational hours for immediate assistance.
Availability: Customer support is available during the following hours: [MON-FRI, 8AM-5PM]. Outside of these hours, Homeowners may leave a message for a prompt follow-up.

Program Feedback and Suggestions: Toro Exteriors values feedback from Homeowners regarding the T.A.P program. Suggestions for improvements or modifications can be sent to the customer support contact provided above, and all feedback will be reviewed to enhance program offerings and user experience. Homeowners may also participate in surveys or polls that Toro Exteriors may distribute to gather insights into program performance and desired features.

By participating in the Toro Assurance Program, you acknowledge that you have read, understood, and agreed to these Terms and Conditions, and you accept all terms outlined herein.

I accept the Terms and Conditions.

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