Terms of Use

Last updated: July 17, 2026

1. Agreement

These Terms of Use govern your access to and use of program-specialists.com (the "Site"), operated by Protection Program Specialists ("we," "us," or "our"), a Nevada-based company. By using the Site, you agree to these terms. If you do not agree, do not use the Site.

2. Informational content only

The Site provides general educational information for homeowners. It is not professional, legal, insurance, financial, tax, or contracting advice, and it is not a substitute for advice from a qualified professional who knows your specific situation. Home warranties discussed on this Site are service contracts, not insurance. Costs, coverage practices, and regulations described on the Site are typical ranges and general patterns that vary by company, contract, region, and time.

We do not sell, issue, or administer home warranties, service contracts, or insurance through this Site, and nothing on the Site is an offer of coverage, a recommendation of any specific company, or a guarantee of any outcome.

3. Accuracy and updates

We work to keep content accurate and current, and each guide shows its last updated date. Even so, we make no representation that any content is complete, current, or error-free at the moment you read it. Verify important details, especially contract terms and prices, directly with the relevant provider before making decisions.

4. Intellectual property

The content of this Site, including text, graphics, and layout, is owned by us or our licensors and is protected by copyright and other intellectual property laws. You may read, link to, and share brief excerpts of our content with attribution. You may not republish, scrape at scale, or commercially exploit substantial portions of the Site without our prior written permission.

5. Acceptable use

You agree not to use the Site in any way that violates applicable law, disrupts the Site's operation, or attempts to gain unauthorized access to our systems or data.

6. Third-party sites

The Site may link to websites we do not control, and we operate other websites, including on subdomains, that carry their own terms and policies. We are not responsible for the content or practices of any site other than this one.

7. Disclaimer of warranties

The Site is provided "as is" and "as available," without warranties of any kind, express or implied, including implied warranties of merchantability, fitness for a particular purpose, and non-infringement.

8. Limitation of liability

To the fullest extent permitted by law, we will not be liable for any indirect, incidental, consequential, special, or punitive damages, or for any loss of profits, data, or goodwill, arising from your use of or reliance on the Site or its content. Where liability cannot be excluded, our total liability is limited to the amount you paid us to use the Site, which is zero.

9. Governing law

These terms are governed by the laws of the State of Nevada, without regard to conflict-of-law principles. Any dispute arising from these terms or the Site will be brought in the state or federal courts located in Nevada.

10. Changes

We may update these terms from time to time. The current version will always be posted here with its last updated date. Continued use of the Site after changes take effect constitutes acceptance of the updated terms.

11. Contact

Questions about these terms: privacy@program-specialists.com.