Terms and Conditions

Effective Date: 22/10/2024

1.1. By accessing or using the services provided by Insurance Hub 360, LLC ("we," "our," or "us"), you agree to comply with and be bound by these Terms and Conditions. If you do not agree to these terms, please refrain from using our services.

2.1. Consent: By utilizing our services, you consent to the collection, storage, and use of your personal information as described in our Privacy Policy. We may collect, store, and use personal information, including but not limited to your name, address, phone number, email address, date of birth, and ACA Part A and Part B information, for the following purposes: To provide you with information and support related to ACA. To facilitate consultations and assistance with your ACA-related needs. To communicate with you regarding our services and updates. 2.2. Accuracy: You are responsible for providing accurate and up-to-date information when using our services. We are not liable for any consequences resulting from inaccurate or outdated information. 2.3. Security: We take reasonable steps to protect the security of your information, but please note that no method of data transmission or storage is completely secure. You are responsible for maintaining the confidentiality of your account credentials and for any activity that occurs under your account.

3.1. ACA Services: We offer services related to ACA, including providing information, facilitating consultations, and offering support to our users. We strive to provide accurate and up-to-date information, but we do not guarantee the completeness or accuracy of the information provided. 3.2. Communication: By using our services, you may receive communication from us, including but not limited to emails, phone calls, or text messages. You can opt out of promotional communications at any time.

4.1. Compliance: Users must comply with all applicable laws and regulations when using our services. 4.2. Security: Users are responsible for maintaining the security of their account credentials and for any activity that occurs under their account. If you suspect unauthorized access to your account, please notify us immediately.

5.1. To the fullest extent permitted by law, we shall not be liable for any indirect, incidental, consequential, or punitive damages, or any loss of profits or revenues, whether incurred directly or indirectly, or any loss of data, use, goodwill, or other intangible losses, arising out of the use or inability to use our services.

6.1. Terms Updates: We reserve the right to update these Terms and Conditions from time to time. Any changes will be posted on our website with the updated effective date. Your continued use of our services after such changes constitutes acceptance of the revised Terms. 6.2. Service Changes: We reserve the right to modify or discontinue any part of our services without notice.

7.1. These Terms and Conditions shall be governed by and construed in accordance with the laws of the state of Texas, without regard to its conflict of law principles.

8.1. If you have questions or concerns about these Terms and Conditions or our services, please contact us at: Insurance Hub 360, LLC 1309 Coffeen Ave STE 1200 Sheridan, WY, 82801 United States General Inquiries: info@insurancehub360.com Customer Support: +1-720-806-0007

Arbitration Clause

Any dispute, claim, or controversy arising out of or relating to these Terms and Conditions or the breach, termination, enforcement, interpretation, or validity thereof, including the determination of the scope or applicability of this agreement to arbitrate, shall be determined by arbitration in accordance with the rules of the American Arbitration Association (AAA). The arbitration shall be conducted in Houston, Texas, before a single arbitrator. The language of the arbitration shall be English. The decision of the arbitrator shall be final and binding upon the parties, and judgment upon the award rendered by the arbitrator may be entered in any court having jurisdiction thereof.

The prevailing party in any arbitration shall be entitled to recover its reasonable attorneys' fees and costs from the non-prevailing party. Each party shall bear its own costs and expenses of arbitration, including but not limited to attorneys' fees, unless otherwise awarded by the arbitrator.

By agreeing to arbitration, the parties hereby waive their right to bring or participate in any class action, collective action, or representative action in arbitration or in any other forum. The parties further waive any right to a trial by jury. This arbitration clause shall survive termination or expiration of these Terms and Conditions.