HassanHelps.com

Last Updated: May 12, 2025

1. INTRODUCTION AND LEGAL AGREEMENT

These Terms of Service ("Terms") constitute a legally binding agreement between you ("you," "your," "user," "client," or "agent") and Hassan Helps, LLC, its affiliates, subsidiaries, and authorized representatives ("we," "us," "our," "Company," "Producer," or "Agency"), governing your access to and use of HassanHelps.com and its associated domains, mobile applications, features, and services (collectively, the "Services").

By accessing, browsing, or using our Services in any manner, including but not limited to submitting quote requests, recruiting inquiries, insurance applications, or agent applications, you acknowledge that you have read, understood, and agree to be bound by these Terms, our Privacy Policy, the Agent Chargeback and Financial Responsibility Agreement (if applicable), and any additional guidelines or rules applicable to specific services that may be posted on the Services. If you do not agree to these Terms in their entirety, you must immediately discontinue all use of our Services.

We reserve the right to modify these Terms at any time at our sole discretion. Any changes will be effective immediately upon posting of the updated Terms on our Services. Your continued use after any such changes constitutes your acceptance of the revised Terms. If any changes are unacceptable to you, your only recourse is to discontinue use of our Services.

2. LICENSING AND REGULATORY COMPLIANCE

2.1 Insurance Producer Licensing

Hassan Helps, LLC is a duly licensed insurance producer (NPN License #128785) authorized to sell life insurance products in all states except Alaska, Hawaii, Puerto Rico, and Wisconsin. We maintain all required licenses, appointments, and continuing education requirements in the jurisdictions where we conduct business. Complete licensing information is available upon request.

2.2 Regulatory Oversight

Our operations are subject to strict oversight by state insurance departments, the National Association of Insurance Commissioners (NAIC), and other regulatory bodies. We comply with all applicable insurance laws and regulations, including but not limited to:

- State insurance licensing laws and regulations

- Insurance marketing and advertising regulations

- Replacement regulations and disclosure requirements

- Anti-rebating statutes and commission regulations

- State-specific insurance disclosure requirements

- Privacy laws applicable to insurance transactions (GLBA, HIPAA)

- Anti-fraud laws and regulations

- Telephone Consumer Protection Act (TCPA)

- CAN-SPAM Act and electronic communication regulations

- Fair Credit Reporting Act (FCRA)

- Americans with Disabilities Act (ADA) compliance

- State insurance solicitation laws

- Unfair trade practices acts

- Suitability and best interest standards

2.3 Legal Compliance

Nothing in these Terms shall be construed to violate any federal, state, or local laws, regulations, or regulatory guidance concerning the marketing, sale, underwriting, or administration of life insurance products. All activities conducted through our Services comply with applicable insurance codes and regulatory requirements.

3. SERVICES DESCRIPTION

3.1 Insurance Broker/Agency Services

We operate as an independent insurance broker/agency providing comprehensive life insurance solutions. Our Services include:

- Providing educational information about life insurance products and coverage options

- Facilitating insurance quotes from our contracted carriers nationwide

- Processing and submitting insurance applications to appropriate carriers

- Assisting with underwriting requirements and documentation

- Policy delivery, implementation, and ongoing service

- Customer support for insurance-related matters and claims assistance

- Recruiting, training, and managing independent agents and representatives

- Lead generation and marketing services for insurance products

- Technology platforms and tools for insurance sales and management

3.2 Specialized Insurance Focus

Our Services focus on providing life insurance solutions for diverse client needs, including specialized underwriting for individuals with health conditions such as diabetes. We have specialized knowledge of underwriting practices for various health conditions, but we do not guarantee coverage, specific rates, or underwriting outcomes.

3.3 Quote Request Services

Our quote request services are provided for informational and preliminary assessment purposes only. We do not guarantee:

- Approval for any insurance coverage or specific products

- Specific premium rates or underwriting classifications

- Particular policy terms, conditions, or benefits

- Availability of specific insurance products or carriers

- Response time for quote delivery or processing

- Accuracy of initial quote estimates or projections

- Continued availability of quoted rates or products

3.4 Recruiting and Agent Services

Our recruiting services connect potential agents with insurance career opportunities within our organization and partner agencies. We do not guarantee:

- Employment or independent contractor opportunities

- Specific income levels, earning potential, or commission amounts

- Success in the insurance industry or sales performance

- Licensing assistance, completion, or ongoing support

- Training effectiveness, outcomes, or career advancement

- Long-term business relationships or territorial assignments

- Lead generation or marketing support

- Technology access or ongoing platform availability

4. USER ELIGIBILITY AND OBLIGATIONS

4.1 Eligibility Requirements

You must be at least 18 years of age and possess the legal capacity to enter into binding contracts to use our Services. For agent services, additional requirements apply including licensing eligibility and background check clearance. By using our Services, you represent and warrant that you meet these requirements and that all information provided is accurate, complete, and current.

4.2 Account Information and Maintenance

If you create an account with us or submit any forms through our Services, you agree to provide accurate, current, and complete information and to update such information promptly if any changes occur. You are solely responsible for:

- Maintaining the confidentiality of your account credentials and access information

- All activities that occur under your account or through your access

- Notifying us immediately of any unauthorized access to your account or suspected security breaches

- Ensuring all submitted information remains current, accurate, and complete throughout your relationship with us

- Compliance with all password and security requirements we may establish

4.3 Prohibited Activities

When using our Services, you agree not to:

- Provide false, misleading, fraudulent, or inaccurate information in any submissions, communications, or applications

- Impersonate any person or entity or misrepresent your identity, affiliation, or authority

- Attempt to circumvent, manipulate, or interfere with underwriting, rating, or recruiting processes

- Engage in any form of insurance fraud, material misrepresentation, or deceptive practices

- Submit applications, inquiries, or requests for persons without their explicit knowledge and written consent

- Use the Services to engage in money laundering, terrorist financing, or other financial crimes

- Attempt to reverse engineer, decompile, hack, or gain unauthorized access to any aspect of our Services

- Interfere with, disrupt, or compromise the integrity, performance, or security of our Services

- Violate any insurance laws, regulations, carrier requirements, or industry standards

- Engage in activities that could subject us to regulatory penalties, investigations, or sanctions

- Upload, transmit, or distribute any material containing malware, viruses, or other harmful code

- Collect, harvest, or obtain personal information about other users, visitors, or clients without authorization

- Use our Services in any manner that could disable, overburden, damage, or impair our systems or networks

- Submit multiple duplicate quote requests, applications, or inquiries without legitimate business purpose

- Use automated systems, bots, scripts, or other artificial means to interact with our Services

- Engage in spamming, unsolicited marketing, or other communications that violate applicable laws

- Violate any intellectual property rights of the Company or third parties

- Engage in any activity that could damage our reputation or business relationships with carriers or partners

5. QUOTE REQUEST PROCESS

5.1 Quote Request Limitations and Disclaimers

By submitting a quote request through our Services, you acknowledge and agree that:

- All quotes are preliminary estimates only and are subject to complete underwriting, approval, and final determination by insurance carriers. Initial quotes are not binding offers of insurance coverage.

- Quote estimates are based solely on the limited information you provide in the quote request and may change significantly after full underwriting, medical examinations, and comprehensive review of your health, financial, and personal circumstances.

- We make no representations, warranties, or guarantees regarding the accuracy, completeness, reliability, or availability of quoted products, rates, or terms.

- Initial quotes do not constitute an offer of insurance coverage, a guarantee of insurability, or a commitment by any insurance carrier to provide coverage.

- Final premiums, terms, conditions, and policy provisions may differ substantially from initial quote estimates based on underwriting findings, carrier guidelines, and regulatory requirements.

- Insurance carriers reserve the absolute right to decline applications, modify terms, adjust rates, or impose additional conditions at their sole discretion during the underwriting process.

- Quote estimates are subject to immediate change or withdrawal without notice based on carrier rate changes, guideline modifications, or market conditions.

5.2 No Obligation and Service Limitations

Submitting a quote request creates no obligation on either party. You are under no obligation to purchase insurance, submit applications, or engage our services further. We are under no obligation to provide quotes, pursue coverage options, or continue services. We reserve the right to decline to provide quotes, services, or coverage assistance to any individual for any reason at our sole discretion, including but not limited to risk assessment, regulatory compliance, or business considerations.

5.3 Quote Validity and Limitations

Quote estimates, if provided, are valid only for a limited time (typically 30-60 days) and are subject to change or withdrawal without notice. Quotes may become invalid, inaccurate, or unavailable due to:

- Changes in your health status, medical conditions, or treatment

- Changes in your financial status, income, or net worth

- Modifications to your personal circumstances, lifestyle, or risk factors

- Changes in insurance carrier guidelines, rates, or underwriting standards

- Passage of time between quote request and application submission

- Incomplete, inaccurate, or misleading information provided in the quote request

- Market conditions, regulatory changes, or economic factors

- Carrier capacity limitations or risk management decisions

- Discovery of additional risk factors during underwriting

6. RECRUITING AND AGENT SERVICES

6.1 Recruiting Disclaimers and Limitations

Our recruiting services are provided for informational purposes only and create no employment relationship or guarantees. By expressing interest in insurance career opportunities through our Services, you acknowledge that:

- We make no guarantees, representations, or warranties regarding employment opportunities, income potential, career success, or business outcomes in the insurance industry.

- The insurance industry involves significant financial risks, performance pressures, and regulatory requirements, and success is not guaranteed regardless of effort, training, or support provided.

- Licensing requirements vary by state and must be completed independently at your own expense, with no guarantee of successful completion or ongoing compliance.

- Training programs, if offered, do not guarantee competency, success, knowledge retention, or adherence to regulatory requirements.

- Independent contractor relationships do not guarantee ongoing business, territorial assignments, lead generation, or continuing support.

- Income representations, testimonials, or success stories, if any, represent exceptional results and are not typical outcomes for most agents in the insurance industry.

6.2 Independent Contractor Relationships

Any agent or representative relationships established through our Services are independent contractor relationships governed by separate written agreements. Independent contractors are responsible for:

- Obtaining and maintaining all required licenses, appointments, certifications, and continuing education

- Complying with all applicable federal, state, and local laws, regulations, and industry standards

- Managing their own business operations, expenses, taxes, and regulatory compliance

- Understanding that no employment relationship, employee benefits, or employment protections are created

- Maintaining appropriate errors and omissions insurance, general liability coverage, and other business insurance

- Filing and paying all applicable federal, state, and local taxes, including self-employment taxes

- Adhering to all carrier requirements, compliance standards, and ethical guidelines

6.3 No Employment Relationship

Nothing in these Terms, through the use of our recruiting services, or in any other agreement creates an employment relationship between you and Hassan Helps, LLC. We do not provide employee benefits, guarantee work assignments, assume employer responsibilities, or create any employment-related obligations for recruited individuals.

7. APPLICATION SUBMISSION AND ELECTRONIC SIGNATURES

7.1 Application Process Terms and Obligations

When you submit an insurance application through our Services, you agree to the following additional terms:

- All information provided in insurance applications must be true, complete, accurate, and current. Any false statements, misrepresentations, omissions, or inaccuracies may result in denial of coverage, policy rescission, denial of claims, criminal prosecution for insurance fraud, or reporting to regulatory authorities.

- You authorize us and our appointed insurance carriers to collect, review, verify, share, and retain all information provided in your application for underwriting, claims, and regulatory purposes, including obtaining additional medical records, scheduling medical examinations, conducting prescription database checks, verifying financial information, and performing background investigations.

- You acknowledge that underwriting may require extensive additional documentation, medical examinations, financial verification, lifestyle assessments, and other requirements as determined by the insurance carrier, and you agree to cooperate fully with all such requirements.

- You understand that the application process may take several weeks or months to complete, and you agree to promptly respond to all requests for additional information or documentation.

7.2 Complete Application Submission Acknowledgment

By clicking "SUBMIT APPLICATION" or any similar submission button, you acknowledge and agree to the following comprehensive terms:

Medical Information Authorization

I authorize HassanHelps.com and its appointed insurance carriers to collect, review, verify, and share all medical information provided in this application. I understand that additional medical records, examinations, tests, physician statements, and medical consultations may be required during the underwriting process. I authorize all healthcare providers to release my complete medical records to the insurance carriers and their representatives.

Accuracy and Completeness Certification

I certify that all information provided in this application is true, complete, accurate, and current to the best of my knowledge. I understand that any false statements, misrepresentations, omissions, or inaccuracies may result in denial of coverage, policy rescission, denial of claims, criminal prosecution for insurance fraud, and reporting to regulatory authorities. I acknowledge that material misrepresentation constitutes insurance fraud under state and federal law.

Comprehensive Underwriting Process

I understand that this application will be subject to full medical, financial, and personal underwriting by the insurance carrier. Coverage is not guaranteed, and final approval, rates, policy terms, and conditions will be determined solely by the insurance carrier based on their underwriting guidelines, risk assessment, and regulatory requirements.

Diabetes-Specific Underwriting Requirements

I acknowledge that as an individual with diabetes or other medical conditions, additional medical documentation may be required, including but not limited to recent A1C results, glucose monitoring records, physician statements, medication lists, diabetes management records, specialist consultations, laboratory results, and ongoing monitoring requirements.

No Coverage in Force Acknowledgment

I understand that no insurance coverage is in force until a policy is issued by the insurance carrier, delivered to me in accordance with state regulations, and the initial premium is paid in full. This application does not provide any temporary, interim, or conditional coverage of any kind.

Privacy and Data Protection Consent

I acknowledge that I have read and agree to the Privacy Policy provided by HassanHelps.com. I understand how my personal, medical, and financial information will be collected, used, stored, shared, and protected in accordance with applicable privacy laws and regulations.

Communication and Marketing Consent

By providing my contact information, I consent to receive communications from HassanHelps.com, its representatives, agents, and affiliated insurance carriers regarding my insurance application, policy servicing, and related insurance products via phone (including autodialed and prerecorded calls), email, text message, postal mail, and other communication methods, even if my number is on a Do Not Call registry.

Replacement Disclosure Acknowledgment

If I am replacing an existing life insurance policy, I understand that I will receive separate replacement forms, disclosure documents, and comparative analyses that must be completed before any new policy is issued. I acknowledge that replacement may not be in my best interest and may involve surrender charges, waiting periods, or adverse tax consequences.

Right to Review and Free Look Period

I understand that I will have the opportunity to review all policy documents during the free look period (typically 10-30 days depending on state regulations) and may cancel the policy for a full refund of premiums paid if not satisfied with the coverage, terms, or conditions.

State Licensing and Regulatory Compliance

I acknowledge that HassanHelps.com is licensed to sell insurance in my state of residence and that all transactions will comply with applicable state insurance laws, regulations, and regulatory requirements. I understand that licensing excludes Alaska, Hawaii, Puerto Rico, and Wisconsin.

Electronic Signature and Document Consent

By submitting this application electronically, I agree that my electronic signature, typed name, or digital acceptance has the same legal validity and effect as a handwritten signature. I consent to receive all policy documents, notices, and communications electronically unless otherwise required by law.

7.3 Enhanced Communication Authorization

By providing your contact information through our Services, including quote requests, recruiting inquiries, or applications, you expressly consent to receive communications from us, our affiliated agents, representatives, insurance carriers, and authorized third parties regarding your submissions and related insurance or career opportunities via phone (including autodialed, artificial voice, and prerecorded calls), email, text message, postal mail, and other communication methods, even if your number is registered on any Do Not Call registry. This consent remains in effect until you notify us in writing to remove your information from our contact lists and may survive termination of any other agreement between us.

7.4 No Coverage in Force

You acknowledge that submitting an application through our Services does not create any insurance coverage, temporary protection, or interim benefits. No coverage is in force until a policy is formally issued by an insurance carrier, delivered to you in accordance with applicable state laws, and the initial premium is paid in full in accordance with the carrier's requirements and procedures.

8. AGENT CHARGEBACK AND FINANCIAL RESPONSIBILITY AGREEMENT

8.1 Mandatory Agreement for All Agents

This Agent Chargeback and Financial Responsibility provision is a binding contract that applies to all agents, representatives, or independent contractors associated with Hassan Helps, LLC. By becoming an agent, accepting appointment with any insurance carrier through the Company, or writing any insurance business under the Company's agency codes, you acknowledge that you have read, understood, and agree to be bound by all terms of this chargeback provision.

8.2 Comprehensive Chargeback Definition

"Chargebacks" include, but are not limited to:

- Commission reversals due to policy cancellations, lapses, surrenders, or rescissions within the chargeback period (typically 12-24 months depending on carrier, but may extend longer)

- Commission adjustments due to premium reductions, policy modifications, or coverage changes

- Commission recoveries for policies that are replaced, exchanged, or transferred

- Penalties, fines, assessments, or sanctions imposed by insurance carriers for any reason

- Carrier-imposed debits for regulatory violations, compliance failures, or administrative errors

- Reversals due to fraudulent applications, misrepresentations, or material omissions

- Administrative fees, processing charges, or operational costs related to problematic business

- Costs associated with regulatory investigations, examinations, or enforcement actions

- Legal fees, settlement costs, or damages arising from agent conduct

- Interest, penalties, or late charges on any of the above amounts

- Any other amounts owed to insurance carriers, regulatory authorities, or third parties as a result of the Agent's actions or omissions

8.3 Absolute Financial Responsibility

Agent acknowledges and agrees that they are personally, individually, and solely responsible for all chargebacks resulting from business written under any agency code, license, or appointment facilitated by the Company. This responsibility is absolute, unconditional, and unlimited, regardless of:

- Whether the Agent is still actively writing business or maintaining a relationship with the Company

- Whether the Agent's contract with the Company has been terminated for any reason

- The reason for policy cancellation, lapse, or chargeback occurrence

- Whether the chargeback was within the Agent's direct control or influence

- The financial circumstances, ability to pay, or economic hardship of the Agent

- Any other factors, circumstances, excuses, or justifications

8.4 Collection and Enforcement Procedures

Upon notification of any chargeback, the Company has the immediate and continuing right to:

- Deduct the full chargeback amount from any commissions, bonuses, advances, overrides, or other payments due to the Agent from any source or carrier

- Freeze all future commission payments and withhold all compensation until the chargeback is satisfied in full

- Demand immediate payment of the chargeback amount with interest and collection costs

- Exercise any and all collection remedies available at law or in equity, including garnishment, levy, and asset seizure

- Report unpaid chargebacks to credit bureaus and collection agencies

- Pursue legal action for collection, including obtaining judgments and enforcing collection

8.5 Enhanced Liability for Prohibited Conduct

For chargebacks resulting from fraudulent, deceptive, or prohibited conduct, Agent shall be liable for:

- The full chargeback amount plus interest at the maximum legal rate

- Punitive damages equal to three times the chargeback amount

- All investigative, administrative, and operational costs incurred by the Company

- Regulatory fines, penalties, or sanctions imposed on the Company

- Reputational damages, lost business opportunities, and consequential damages to the Company

- Attorney's fees, court costs, and all collection expenses

- Any other damages or losses resulting from the prohibited conduct

8.6 Security Interest and Collateral

Agent hereby grants to the Company a continuing, perfected security interest in all commissions, bonuses, advances, overrides, and other payments due to Agent from any insurance carrier or source, whether through the Company or independently. This security interest secures payment of all current and future chargeback obligations and may be enforced without notice or additional consent.

8.7 Survival and Continuing Obligations

All chargeback obligations survive indefinitely and are not limited by the termination of any agreement between Agent and Company, the Agent's active status, or any other circumstances. Agent's liability for chargebacks continues perpetually and extends to all business written during the relationship, regardless of when chargebacks occur.

9. INTELLECTUAL PROPERTY

9.1 Comprehensive Ownership

All content, features, functionality, technology, and materials on our Services, including but not limited to text, graphics, logos, button icons, images, audio clips, video content, digital downloads, data compilations, software, source code, object code, algorithms, user interfaces, look and feel, and the design, selection, coordination, and arrangement thereof, are owned by Hassan Helps, LLC, our licensors, or other content providers and are protected by United States and international copyright, trademark, patent, trade secret, and other intellectual property or proprietary rights laws.

9.2 Limited License Grant

Subject to your strict compliance with these Terms, we grant you a limited, non-exclusive, non-transferable, revocable, and non-sublicensable license to access and use our Services solely for your personal, non-commercial purposes related to exploring insurance products or career opportunities. This license does not include the right to:

- Modify, reproduce, distribute, transmit, display, perform, or create derivative works based on our Services

- Use any data mining, robots, spiders, scrapers, or similar automated data gathering methods

- Download, copy, or store any portion of our Services except as expressly permitted

- Use our Services for any commercial purpose without our express written consent

- Transfer, assign, or sublicense your rights under these Terms

- Remove, alter, or obscure any copyright, trademark, or other proprietary notices

- Use our intellectual property in any manner that could cause confusion or dilute our brand

9.3 Trademark and Service Mark Protection

Hassan Helps, HassanHelps.com, our logos, taglines, and all related names, logos, product and service names, designs, and slogans are trademarks and service marks of Hassan Helps, LLC or our affiliates. You may not use these marks in any manner without our prior written permission, including in domain names, social media profiles, marketing materials, or business names.

10. COMPREHENSIVE DISCLAIMER OF WARRANTIES

10.1 Complete Service Warranty Disclaimer

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, OUR SERVICES AND ALL CONTENT, MATERIALS, INFORMATION, PRODUCTS, AND SERVICES PROVIDED ON OR THROUGH OUR SERVICES ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS, WITHOUT ANY WARRANTIES, REPRESENTATIONS, OR CONDITIONS OF ANY KIND, EITHER EXPRESS OR IMPLIED.

HASSANHELPS.COM EXPRESSLY DISCLAIMS ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, ACCURACY, RELIABILITY, COMPLETENESS, QUIET ENJOYMENT, AND ANY WARRANTIES ARISING FROM COURSE OF DEALING OR USAGE OF TRADE.

10.2 Insurance and Career Information Disclaimer

WE DO NOT WARRANT, REPRESENT, OR GUARANTEE THAT:

- THE INSURANCE OR CAREER INFORMATION PROVIDED THROUGH OUR SERVICES IS ACCURATE, COMPLETE, RELIABLE, CURRENT, OR ERROR-FREE

- ANY INSURANCE PRODUCT DESCRIBED ON OUR SERVICES WILL BE AVAILABLE TO YOU OR MEET YOUR SPECIFIC NEEDS

- ANY INSURANCE PRODUCT WILL PROVIDE THE COVERAGE, BENEFITS, OR PROTECTION YOU EXPECT OR REQUIRE

- UNDERWRITING DECISIONS WILL BE FAVORABLE TO YOU OR RESULT IN COVERAGE APPROVAL

- PREMIUMS, RATES, OR TERMS WILL REMAIN UNCHANGED AFTER INITIAL QUOTATION OR POLICY ISSUANCE

- POLICIES WILL NOT BE CANCELLED, MODIFIED, OR RESCINDED BY CARRIERS IN ACCORDANCE WITH THEIR TERMS

- CAREER OPPORTUNITIES WILL BE AVAILABLE, SUITABLE, OR SUCCESSFUL FOR YOU

- INCOME LEVELS, EARNING POTENTIAL, OR FINANCIAL SUCCESS CAN BE ACHIEVED IN THE INSURANCE INDUSTRY

- LICENSING, TRAINING, OR CAREER DEVELOPMENT WILL BE COMPLETED SUCCESSFULLY OR LEAD TO SUCCESS

- OUR SERVICES WILL BE UNINTERRUPTED, ERROR-FREE, OR FREE FROM VIRUSES OR OTHER HARMFUL COMPONENTS

- INSURANCE PRODUCT INFORMATION, CAREER OPPORTUNITIES, AND ALL OTHER CONTENT ARE SUBJECT TO CHANGE WITHOUT NOTICE AND MAY BECOME OUTDATED, INACCURATE, OR UNAVAILABLE.

10.3 Professional Advice Disclaimer

OUR SERVICES PROVIDE GENERAL INFORMATION ABOUT INSURANCE PRODUCTS AND CAREER OPPORTUNITIES, BUT WE DO NOT PROVIDE TAX, LEGAL, MEDICAL, FINANCIAL, INVESTMENT, OR OTHER PROFESSIONAL ADVICE. ANY DECISIONS BASED ON INFORMATION OBTAINED FROM OUR SERVICES OR OUR REPRESENTATIVES ARE YOUR SOLE RESPONSIBILITY. YOU SHOULD CONSULT WITH APPROPRIATE QUALIFIED PROFESSIONALS FOR SPECIFIC ADVICE TAILORED TO YOUR PARTICULAR SITUATION AND CIRCUMSTANCES.

11. COMPREHENSIVE LIMITATION OF LIABILITY

11.1 Maximum Liability Cap

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL HASSAN HELPS, LLC, OUR AFFILIATES, SUBSIDIARIES, LICENSORS, SERVICE PROVIDERS, CONTRACTORS, OR OUR RESPECTIVE OFFICERS, DIRECTORS, EMPLOYEES, CONTRACTORS, AGENTS, OR REPRESENTATIVES BE LIABLE FOR DAMAGES OF ANY KIND, UNDER ANY LEGAL THEORY, ARISING OUT OF OR IN CONNECTION WITH YOUR USE OR INABILITY TO USE OUR SERVICES, INCLUDING ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO:

- PERSONAL INJURY, PAIN AND SUFFERING, EMOTIONAL DISTRESS, OR MENTAL ANGUISH

- LOSS OF REVENUE, PROFITS, BUSINESS, OR ANTICIPATED SAVINGS

- LOSS OF USE, GOODWILL, DATA, OR CONFIDENTIAL INFORMATION

- DENIAL OF INSURANCE COVERAGE, UNFAVORABLE UNDERWRITING DECISIONS, OR CLAIM DENIALS

- FAILURE TO OBTAIN EMPLOYMENT, INDEPENDENT CONTRACTOR OPPORTUNITIES, OR CAREER SUCCESS

- LICENSING FAILURES, TRAINING INADEQUACIES, OR PROFESSIONAL SETBACKS

- COSTS OF REPLACEMENT GOODS, SERVICES, OR COVERAGE

- COSTS OF COVER OR ANY OTHER SIMILAR COSTS

- INTERRUPTION OF BUSINESS OR LOSS OF BUSINESS RELATIONSHIPS

- DAMAGE TO REPUTATION OR PROFESSIONAL STANDING

- AND WHETHER CAUSED BY TORT (INCLUDING NEGLIGENCE), BREACH OF CONTRACT, BREACH OF WARRANTY, STRICT LIABILITY, OR OTHERWISE, EVEN IF FORESEEABLE OR IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES

- OUR TOTAL LIABILITY TO YOU FOR ALL CLAIMS ARISING FROM OR RELATED TO YOUR USE OF OUR SERVICES SHALL BE LIMITED TO ONE HUNDRED DOLLARS ($100), REGARDLESS OF THE FORM OF ACTION OR NUMBER OF CLAIMS.

11.2 Insurance Carrier and Third-Party Liability Exclusions

WE SHALL NOT BE LIABLE FOR ANY ACTIONS, DECISIONS, OMISSIONS, OR FAILURES OF INSURANCE CARRIERS, INCLUDING BUT NOT LIMITED TO:

- DENIAL OF COVERAGE, APPLICATIONS, OR CLAIMS FOR ANY REASON

- CANCELLATION, MODIFICATION, OR RESCISSION OF POLICIES OR COVERAGE

- UNDERWRITING DECISIONS, RATING CLASSIFICATIONS, OR PREMIUM DETERMINATIONS

- DELAYED PROCESSING, POLICY ISSUANCE, OR CLAIM PAYMENTS

- CHANGES IN CARRIER GUIDELINES, AVAILABILITY, OR BUSINESS PRACTICES

- CARRIER INSOLVENCY, FINANCIAL DIFFICULTIES, OR BUSINESS FAILURES

- REGULATORY ACTIONS AGAINST CARRIERS OR POLICY MODIFICATIONS

- WE SHALL NOT BE LIABLE FOR ANY ACTIONS, DECISIONS, OR OMISSIONS OF THIRD PARTIES, INCLUDING BUT NOT LIMITED TO:

- RECRUITING PARTNERS, AGENCIES, OR EMPLOYMENT ORGANIZATIONS

- TRAINING PROVIDERS, EDUCATIONAL INSTITUTIONS, OR CERTIFICATION BODIES

- LICENSING AUTHORITIES, REGULATORY AGENCIES, OR GOVERNMENT ENTITIES

- LEAD GENERATION SERVICES, MARKETING PARTNERS, OR VENDORS

- TECHNOLOGY PROVIDERS, COMMUNICATION SERVICES, OR PLATFORM OPERATORS

- MEDICAL PROFESSIONALS, UNDERWRITERS, OR EXAMINATION PROVIDERS

11.3 Exclusions and Limitations

Some jurisdictions do not allow the exclusion or limitation of implied warranties or limitation of liability for incidental or consequential damages, which means that some of the above limitations may not apply to you. In these jurisdictions, our liability will be limited to the greatest extent permitted by law, and the limitations and exclusions set forth in these Terms will be enforced to the maximum extent legally permissible.

12. COMPREHENSIVE INDEMNIFICATION

You agree to defend, indemnify, and hold harmless Hassan Helps, LLC, our affiliates, subsidiaries, licensors, and service providers, and our and their respective officers, directors, employees, contractors, agents, licensors, suppliers, successors, and assigns from and against any and all claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys' fees and court costs) arising out of or relating to:

- Your violation of these Terms or any applicable law or regulation

- Your use or misuse of our Services, including but not limited to any submissions, communications, or content you provide

- Any information, data, or materials you submit through our Services

- Any misrepresentation, fraud, or deceptive conduct in any application or submission process

- Your violation of any third party's rights, including intellectual property, privacy, or contractual rights

- Any disputes, claims, or litigation arising from insurance policies or coverage obtained through our Services

- Any disputes, claims, or issues arising from recruiting activities, agent relationships, or career services

- Any unauthorized use of our Services, intellectual property, or confidential information

- Any breach of your obligations under any chargeback or financial responsibility agreement

- Any regulatory violations, compliance failures, or professional misconduct

- Any damage to our reputation, business relationships, or professional standing

- Any costs or expenses incurred in investigating or responding to any of the foregoing

- This indemnification obligation survives termination of these Terms and continues indefinitely.

13. DISPUTE RESOLUTION AND LEGAL PROCEDURES

13.1 Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Illinois, without giving effect to any principles of conflicts of law. For any dispute relating to insurance policies, the laws of the state where the policy is issued may also apply as required by state insurance regulations and legal requirements.

13.2 Mandatory Binding Arbitration

Any dispute, controversy, claim, or disagreement arising out of or relating to these Terms, our Services, your use of our Services, any insurance applications or policies, any agent relationships or agreements, or the breach, termination, enforcement, or validity thereof, shall be settled by binding arbitration administered by the American Arbitration Association in accordance with its Commercial Arbitration Rules and the Expedited Procedures in those Rules where applicable.

The arbitration shall be conducted by a single arbitrator knowledgeable in insurance, business, and commercial matters, and shall take place in Cook County, Illinois. The arbitration proceedings shall be conducted in English, and all documentation shall be presented and filed in English.

The arbitrator shall have exclusive authority to resolve all disputes, including disputes concerning the scope, validity, enforceability, or interpretation of this arbitration provision. The arbitrator shall have the power to grant any remedy or relief that would be available in court, including the award of attorneys' fees, costs, and punitive damages when authorized by law.

The arbitrator's award shall be final and binding on all parties, and judgment may be entered on the arbitrator's award in any court of competent jurisdiction.

13.3 Class Action and Representative Action Waiver

YOU AND HASSAN HELPS, LLC AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR OR ITS INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS ACTION, REPRESENTATIVE ACTION, COLLECTIVE ACTION, OR MASS TORT PROCEEDING.

Unless both you and Hassan Helps, LLC agree otherwise in writing, the arbitrator may not consolidate more than one person's claims and may not otherwise preside over any form of a representative, class, or collective proceeding.

13.4 Small Claims Court Exception

Notwithstanding the arbitration requirement, either party may bring an individual action in small claims court for disputes within the jurisdiction and monetary limits of such court, provided the action is brought in Cook County, Illinois.

13.5 Limitations Period

YOU AND HASSAN HELPS, LLC AGREE THAT ANY CAUSE OF ACTION ARISING OUT OF OR RELATED TO OUR SERVICES MUST COMMENCE WITHIN ONE (1) YEAR AFTER THE CAUSE OF ACTION ACCRUES. OTHERWISE, SUCH CAUSE OF ACTION IS PERMANENTLY BARRED.

13.6 Injunctive Relief

Notwithstanding the arbitration requirement, either party may seek injunctive or other equitable relief in any court of competent jurisdiction to prevent or remedy unauthorized use of intellectual property, confidential information, or other irreparable harm.

14. TERMINATION

14.1 Termination by Company

We may terminate or suspend your access to all or part of our Services, including any account you may have, immediately and without prior notice, for any reason or no reason, including, without limitation, if we believe that you have violated or acted inconsistently with the letter or spirit of these Terms, engaged in fraudulent or deceptive conduct, or pose a risk to our business, reputation, or regulatory compliance.

14.2 Termination by User

You may terminate these Terms at any time by discontinuing your use of our Services and closing any account you have with us. If you have active insurance policies placed through us or agent relationships with us, termination of these Terms does not automatically terminate your insurance coverage, our broker of record status, or any chargeback or financial obligations.

14.3 Effect of Termination

Upon termination for any reason, your right to use our Services will immediately cease. All provisions of these Terms which by their nature should survive termination shall survive termination indefinitely, including, without limitation, ownership provisions, warranty disclaimers, indemnification, limitations of liability, dispute resolution provisions, chargeback obligations, and intellectual property

14.4 Post-Termination Obligations

Following termination, you agree to:

- Immediately cease all use of our Services, intellectual property, and confidential information

- Return or destroy all materials, documents, and information obtained through our Services

- Continue to honor all financial obligations, including chargeback responsibilities

- Maintain confidentiality of all proprietary information indefinitely

- Comply with all non-solicitation and non-compete obligations that may apply

- Not interfere with our business relationships or attempt to divert clients or agents

15. INSURANCE-SPECIFIC PROVISIONS

15.1 Comprehensive Replacement Disclosure

If you are considering replacing an existing life insurance policy, you acknowledge that:

- You must receive, review, and sign all required replacement forms, notices, and comparative analyses as mandated by state regulations

- Replacement may not be in your best interest in all circumstances and may result in financial disadvantage

- There may be surrender charges, withdrawal penalties, or loss of benefits associated with terminating existing coverage

- New policies may be subject to new contestability periods, suicide exclusion periods, and pre-existing condition limitations

- You may be subject to new underwriting requirements and potentially higher premiums based on current age and health status

- Tax implications may arise from policy replacements, including potential income recognition or loss of tax benefits

- Waiting periods may apply before new coverage becomes fully effective

- You have the right to compare policies and should carefully consider all factors before proceeding with replacement

15.2 Free Look Period and Cancellation Rights

All insurance policies issued through our Services are subject to a "free look" period as required by state law (typically 10-30 days, depending on state regulations and policy type) during which you may cancel the policy for a full refund of premiums paid. During this period, you should carefully review all policy documents, terms, conditions, and provisions to ensure the coverage meets your needs and expectations.

15.3 Policy Documents Control

The insurance policy as issued by the carrier, including all riders, endorsements, and amendments, constitutes the entire agreement between you and the insurance carrier regarding your coverage. In the event of any conflict between information provided on our Services, in marketing materials, or in verbal communications and the actual policy documents, the policy language controls absolutely.

15.4 Comprehensive Medical Underwriting Process

Life insurance applications are subject to comprehensive medical underwriting that may include:

- Complete review of medical history, current conditions, and treatment records

- Blood tests, urine tests, and other laboratory examinations

- Medical examinations by insurance company physicians

- Electrocardiograms (EKGs), stress tests, and other cardiac evaluations

- Cognitive assessments and mental health evaluations for older applicants

- Prescription database checks and medication history reviews

- Medical Information Bureau (MIB) reports and checks

- Attending Physician Statements (APS) from your healthcare providers

- Specialist consultations and additional medical opinions

- Financial documentation and income verification

- Lifestyle questionnaires and risk assessment interviews

- Motor vehicle records and background checks

- Other requirements as determined by the insurance carrier based on age, coverage amount, and risk factors

- The final decision on insurability, coverage amount, premium rates, and policy terms rests solely with the insurance carrier based on their underwriting guidelines and risk assessment.

15.5 Diabetes-Specific Underwriting Requirements

For applicants with diabetes or related metabolic conditions, additional underwriting requirements typically include:

- Recent hemoglobin A1C test results (usually within the last 90 days)

- Complete diabetes treatment history and management records

- Current medication list with dosages and prescribing physicians

- Blood glucose monitoring logs and patterns

- Diabetes complications assessment and medical records

- Ophthalmologic examination results for diabetic retinopathy screening

- Nephrology reports and kidney function tests

- Cardiovascular assessment and testing

- Neurological evaluation for diabetic neuropathy

- Podiatric examination for diabetic foot care

- Endocrinologist reports and treatment recommendations

- Hospital records for any diabetes-related admissions

- Insurance carriers may require ongoing monitoring and periodic medical updates

15.6 Commission and Compensation Disclosure

We receive compensation in the form of commissions, bonuses, overrides, and other incentives from insurance carriers when policies are issued, maintained, and renewed. The compensation amount varies significantly by product type, carrier, coverage amount, policy duration, and other factors. This compensation structure may create financial incentives that could influence our recommendations, but it does not directly affect the premium you pay for any insurance policy. We strive to recommend suitable products based on your needs, but you should be aware of these potential conflicts of interest.

15.7 Carrier Appointment and Relationship Disclosure

We are independent insurance brokers appointed with multiple insurance carriers. We are not employees, captive agents, or exclusive representatives of any insurance carrier featured on our Services. Our appointments and relationships with carriers may change over time based on business considerations, performance requirements, and carrier decisions. Not all products or carriers may be available in all states or for all applicants.

16. PRIVACY AND DATA PROTECTION

16.1 Comprehensive Privacy Policy

Our Privacy Policy, available at HassanHelps.com/privacy, governs our collection, use, storage, and disclosure of your personal information. By using our Services, you consent to all terms of our Privacy Policy and acknowledge that you have read and understood how we handle your personal, medical, and financial information.

16.2 Extensive Data Collection and Use

By submitting any forms, requests, or applications through our Services, you consent to our collection, use, retention, and disclosure of your personal information for the following purposes:

- Providing requested insurance quotes, applications, and services

- Processing insurance applications and facilitating underwriting

- Communicating with you about insurance products, services, and opportunities

- Recruiting, training, and managing insurance agents and representatives

- Marketing and promoting insurance products and career opportunities

- Conducting business analysis, market research, and service improvement

- Maintaining customer relationships and providing ongoing support

- Complying with legal, regulatory, and contractual obligations

- Preventing fraud, money laundering, and other illegal activities

- Protecting our rights, property, and business interests

- Sharing with affiliated companies and business partners

- Creating aggregated or anonymized data for business purposes

16.3 Third-Party Sharing and Disclosure

You acknowledge and consent to our sharing of your information with:

- Insurance carriers, underwriters, and reinsurance companies

- Medical Information Bureau (MIB) and other industry databases

- Consumer reporting agencies and credit bureaus

- Medical professionals, examination companies, and testing facilities

- Recruiting partners, training organizations, and affiliated agencies

- Technology service providers, data processors, and cloud storage providers

- Marketing partners, lead generation services, and advertising platforms

- Legal and regulatory authorities as required by law or legal process

- Professional advisors, including attorneys, accountants, and consultants

- Third parties in connection with business transactions or corporate changes

- Any other parties necessary to provide our Services or comply with legal obligations

16.4 Data Retention and Security

We retain your personal information for as long as necessary to provide our Services, comply with legal obligations, resolve disputes, and enforce our agreements. Retention periods vary based on the type of information and applicable legal requirements but may extend indefinitely for certain business and regulatory purposes.

17. THIRD-PARTY LINKS AND CONTENT

Our Services may contain links to third-party websites, services, applications, and content, including insurance carrier websites, agent recruiting platforms, training resources, and educational materials. These links are provided solely for your convenience and reference and do not imply any endorsement, sponsorship, approval, or affiliation by us. We have no control over the content, privacy policies, terms of service, or practices of any third-party websites or services and assume no responsibility or liability for any loss, damage, or issues that may arise from your use of such websites or services.

18. FORCE MAJEURE AND BUSINESS INTERRUPTION

We will not be liable for any failure, delay, or inability to perform our obligations under these Terms where such failure, delay, or inability results from any cause beyond our reasonable control, including, without limitation, acts of God, natural disasters, fire, flood, severe weather, earthquake, terrorism, war, civil unrest, labor disputes, government actions, regulatory changes, pandemics, cyber attacks, technology failures, internet outages, power failures, equipment malfunctions, or other similar events. During any such events, we may suspend or limit our Services without liability until normal operations can be resumed.

19. MISCELLANEOUS PROVISIONS

19.1 Entire Agreement

These Terms, together with our Privacy Policy, any agent agreements, chargeback agreements, and any other documents expressly incorporated by reference herein, constitute the entire agreement between you and us concerning your use of our Services and supersede all prior communications, agreements, proposals, negotiations, or representations, whether electronic, oral, or written, between you and us regarding the matters contained herein.

19.2 Severability

If any provision of these Terms is found by a court or other tribunal of competent jurisdiction to be invalid, illegal, unenforceable, or contrary to applicable law for any reason, such provision shall be deemed severed and eliminated to the minimum extent necessary, and the remaining provisions of the Terms will continue in full force and effect without being invalidated or impaired.

19.3 No Waiver

Our failure to enforce any right or provision of these Terms, or our acceptance of partial performance, will not be deemed a waiver of such right or provision or any other right or provision. Any waiver of any provision of these Terms will be effective only if in writing and signed by an authorized representative of Hassan Helps, LLC. No waiver of any breach or default shall be deemed a waiver of any subsequent breach or default.

19.4 Assignment and Transfer

These Terms, and any rights and licenses granted hereunder, may not be transferred, assigned, or delegated by you without our prior written consent, and any attempted transfer, assignment, or delegation without such consent will be null and void. We may freely assign, transfer, or delegate these Terms and our rights and obligations hereunder without restriction or notification.

19.5 Relationship of Parties

Nothing in these Terms is intended to or shall operate to create a partnership, joint venture, agency, franchise, or employment relationship between you and us, except where expressly provided in a separate written agreement. You acknowledge that you are not an employee, agent, partner, or representative of Hassan Helps, LLC and have no authority to bind us in any manner, unless specifically authorized in a separate written agreement.

19.6 Notice Requirements

All legal notices to Hassan Helps, LLC must be sent via certified mail, return receipt requested, to our registered business address as updated from time to time on our website. All notices to you may be provided via email, regular mail, or posting on our Services, and shall be deemed effective upon sending or posting.

19.7 Language and Interpretation

These Terms are drafted in English, and any translation provided is for convenience only. In the event of any conflict between the English version and any translation, the English version shall control. Headings and section titles are for convenience only and do not affect the interpretation of these Terms.

19.8 Time Limitations

Time is of the essence for all obligations under these Terms. Any time periods specified herein are strictly enforced, and failure to meet deadlines may result in forfeiture of rights or remedies.

19.9 Electronic Communications

You consent to receive all communications, agreements, documents, receipts, and notices electronically. We may provide such communications by email, text message, or by posting on our Services. Electronic communications have the same legal effect as paper communications.

19.10 Compliance with Laws

You agree to comply with all applicable federal, state, and local laws, regulations, and ordinances in your use of our Services, including but not limited to insurance laws, privacy laws, anti-fraud statutes, and professional conduct requirements.

20. CONTACT INFORMATION AND LEGAL NOTICES

20.1 Company Contact Information

For questions about these Terms, our Services, or legal matters, please contact us at:

Hassan Helps, LLC

Legal Department

Email: [email protected]

Phone: Eight-Five-Five-Four Six Eight-Eight-Nine-Zero Zero

Address: Chicago, Illinois

20.2 Insurance Licensing Information

NPN License #: 128785

States Licensed: Licensed in all states except Alaska, Hawaii, Puerto Rico, and Wisconsin

Complete licensing information and regulatory details are available upon request

20.3 Customer Service and Support

For customer service, technical support, or general inquiries:

Email: [email protected]

Phone: Eight-Five-Five-Four Six Eight-Eight-Nine-Zero Zero

Business Hours: 9am-8pm

Website: HassanHelps.com

20.4 Emergency Contact

For urgent matters requiring immediate attention:

Emergency Email: [email protected]

Emergency Phone: Eight-Five-Five-Four Six Eight-Eight-Nine-Zero Zero

20.5 Regulatory and Compliance Inquiries

For regulatory matters, compliance concerns, or formal complaints:

Compliance Email: [email protected]

Regulatory Affairs Phone: Eight-Five-Five-Four Six Eight-Eight-Nine-Zero Zero

21. ACKNOWLEDGMENT AND ACCEPTANCE

By accessing or using our Services, submitting any forms or applications, creating an account, or engaging with our Services in any manner, you acknowledge that:

- You have read and understood these Terms in their entirety

- You agree to be bound by all provisions of these Terms

- You have had the opportunity to consult with legal counsel if desired

- You understand the legal consequences of these Terms

- You acknowledge that these Terms create binding legal obligations

- You consent to electronic communications and signatures

- You waive any right to trial by jury for disputes covered by the arbitration provision

- You understand and accept all limitations of liability and warranty disclaimers

- You agree to the comprehensive indemnification obligations

- You acknowledge all risks associated with insurance transactions and agent relationships

THESE TERMS CONTAIN IMPORTANT LEGAL RIGHTS AND OBLIGATIONS, INCLUDING MANDATORY ARBITRATION AND CLASS ACTION WAIVER PROVISIONS. IF YOU DO NOT AGREE TO THESE TERMS, DO NOT USE OUR SERVICES.

Last Updated: May 12, 2025

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