Terms of Service

Agreement to These Terms

These Terms of Service (the “Terms”) form a binding agreement between you and Hunters Financial Group Inc. (“HFG,” “Hunters Financial Group,” “we,” “us,” or “our”) and govern your access to and use of our websites, mobile applications, software portals, and related services, together with HFG | Vault™, AdvisorOS™, ClientOS™, AdminOS™, and Trevor™ (collectively, the “Platform”).

By accessing or using the Platform, creating an account, accepting an invitation from an advisor, agency, or organization, or otherwise indicating your acceptance, you agree to these Terms and to our Privacy Policy, which is incorporated by reference. If you do not agree, you must not access or use the Platform.

If you use the Platform on behalf of an advisor, agency, IMO, BGA, carrier, employer, enterprise customer, or other organization, you represent that you are authorized to bind that organization to these Terms, and “you” refers to both you and that organization.

HFG provides technology infrastructure. It is not an insurance carrier, agency, broker-dealer, registered investment adviser, law firm, or tax advisor, and it does not provide advice or sell insurance through the Platform. Section 7 describes these boundaries in detail.

1. About Hunters Financial Group and the Platform

The Platform is offered as a connected set of products, each serving a distinct role while preserving the same legal posture:

• HFG | Vault™ — client-facing access to policy records, continuity information, carrier portal references, and account settings.
• AdvisorOS™ — advisor workflows, client and policy records, governance-event review, resolution workflows, and timeline updates.
• ClientOS™ — client-facing policy visibility, carrier contact references, emergency-contact updates, and non-advice record review.
• AdminOS™ — organization, advisor, and client management, permissions, reporting, audit logs, and system health.
• Trevor™ — a governance-intelligence layer that detects record signals, explains events, recommends workflow paths, tracks resolution, and preserves auditability.

2. Definitions

• “Platform” — the HFG websites, mobile applications, portals, products (including HFG | Vault™, AdvisorOS™, ClientOS™, AdminOS™, and Trevor™), and related services.
• “Account” — the credentialed access granted to an Authorized User to use the Platform.
• “Authorized User” — an individual permitted to access the Platform, including a Client, Advisor, Administrator, or other organization user.
• “Advisor” — an authorized professional user who uses the Platform to organize records and manage governance workflows for assigned Clients.
• “Client” — an individual whose policy records, continuity information, or related records are organized on the Platform, and who may be granted record-viewing access.
• “Administrator” — a user with organization-level permissions to manage users, roles, records, reporting, and audit functions.
• “Organization” — an advisor firm, agency, IMO, BGA, carrier, employer, or enterprise customer that uses the Platform or invites users to it.
• “Carrier” — an insurance company that issues, holds, and administers the official record of a policy.
• “Policy Record” — information about an insurance policy entered, uploaded, synced, or maintained on the Platform by an authorized user; a Policy Record is not the official carrier record.
• “Governance Event” — a post-issue record signal surfaced or classified on the Platform, such as a premium-due signal, lapse warning, returned payment, reinstatement, or similar event.
• “Content” — information, records, notes, files, and other materials submitted to or generated on the Platform.
• “Order Form” — an ordering document, enterprise agreement, or subscription arrangement between HFG and an Organization that references these Terms.

3. Eligibility

The Platform is intended for adults and professional users. You must be at least 18 years old and able to form a binding contract to use the Platform. The Platform is not directed to children under 13, and HFG does not knowingly permit children under 13 to create accounts.

You may use the Platform only in compliance with these Terms and all applicable laws, and only where you are authorized to do so by HFG or by the Organization that invited you. HFG may verify eligibility and may refuse, suspend, or terminate access at its discretion, subject to these Terms.

4. Accounts and Registration

Access to the Platform generally requires an Account, which may be created directly or through an invitation from an Advisor, Administrator, or Organization. When you register, you agree to provide accurate, current, and complete information and to keep it updated.

You are responsible for all activity that occurs under your Account. Accounts are for the use of a single identified user and may not be shared. You must promptly notify HFG of any unauthorized use of your Account or any other suspected breach of security.

5. Roles and Authorized Users

Access to information on the Platform is role-based, permissioned, and governed by a default-deny model. The following roles describe typical access; actual permissions depend on Organization configuration, account relationships, and applicable law.

Clients may view records within their own authorized relationship but cannot edit official policy data. Advisor access is scoped to assigned Clients and lawful authorization. Administrator and support access to Client or Policy Records is role-based, time-limited where appropriate, and recorded in audit logs.

6. Platform Products and Services

Subject to these Terms and any applicable Order Form, HFG grants you a limited, revocable, non-exclusive, non-transferable, non-sublicensable right to access and use the Platform for its intended governance, continuity, and record-organization purposes. Each product preserves the same legal boundary described in these Terms.

HFG may add, modify, suspend, or discontinue features of the Platform, in whole or in part, at any time, and will use reasonable efforts to provide notice of material changes where appropriate.

7. No Insurance, Legal, Tax, or Financial Advice

The Platform organizes records and supports governance workflows. It does not provide advice and is not a substitute for independent professional judgment or the official records of a carrier. Specifically, HFG does not, through the Platform:

• Sell, solicit, market, recommend, compare, provide policy pricing, bind, issue, modify, cancel, reinstate, or underwrite any insurance policy;
• Determine claims eligibility, adjudicate, approve, deny, estimate, or guarantee any claim or payout;
• Determine beneficiary rights, ownership rights, or coverage;
• Provide legal, tax, investment, financial-planning, or fiduciary advice, or act as an insurance producer, broker-dealer, registered investment adviser, claims administrator, law firm, or tax advisor;
• Prevent, cure, or guarantee against policy lapse, missed payments, or any other outcome.

You are solely responsible for your own insurance, legal, tax, and financial decisions. For official policy information, rely on the applicable carrier. Seek independently selected legal, tax, or financial guidance when needed. Nothing on the Platform creates a fiduciary, advisory, agency, or professional-client relationship between you and HFG.

8. Policy Records and Carrier Information

Policy Records displayed on the Platform are entered, uploaded, synced, or maintained by authorized users and are provided for organization, governance visibility, and continuity support. HFG does not guarantee that Policy Records are complete, current, accurate, or legally binding, and Policy Records may differ from the official carrier record.

HFG does not make coverage determinations, does not determine claims eligibility or beneficiary rights, and does not issue, modify, cancel, reinstate, or underwrite insurance policies. You should not rely on the Platform for time-sensitive or official policy decisions.

9. Trevor™ Governance Features

Where enabled, Trevor™ operates as a governance-intelligence layer. Its role is limited to detection, explanation, workflow recommendation, routing, resolution tracking, and audit timelines. Trevor™ may:

• Detect and classify governance events from authorized record signals (for example, premium due, grace, lapse warning, returned payment, reinstatement, or similar post-issue events);
• Explain, in plain language, what a surfaced event appears to indicate;
• Recommend an approved workflow path and route the event to the appropriate reviewer;
• Track resolution status and maintain an append-only audit timeline where feasible.

Trevor™ does not replace the judgment of an advisor, administrator, carrier, agency, or authorized professional, and human review may be required before certain communications, updates, or resolutions are completed. Trevor™ does not provide advice, does not make coverage, claims, or beneficiary-rights determinations, and does not conduct autonomous client outreach for sensitive events except under governed, logged, and approved workflows.

10. Advisor, Agency, and Organization Responsibilities

If you are an Advisor, Administrator, or Organization, you are responsible for your use of the Platform and for the users, records, and workflows under your control. You represent and agree that:

• You are authorized to enter, upload, and maintain the Client, Policy Record, beneficiary, and emergency-contact information you provide, and it is accurate to the best of your knowledge;
• You hold and maintain all licenses, appointments, registrations, and authorizations required for your professional activities, and you comply with all applicable insurance, privacy, and consumer-protection laws;
• You have obtained any consents required to provide information about Clients and other individuals to the Platform;
• You will verify official policy information with the applicable carrier or authorized source where required, and will not present Platform records as official carrier records;
• You will supervise your Authorized Users, manage their permissions responsibly, and not use Platform outputs as a substitute for professional advice or as unapproved solicitation.

Where HFG provides the Platform to or on behalf of an Organization, the Organization may control access, roles, permissions, and records, and may be responsible for responding to certain access, correction, deletion, or portability requests. HFG may act as a service provider or processor with respect to such data, as described in the Privacy Policy and any applicable data-processing terms.

11. Client Responsibilities

If you are a Client, you agree to provide accurate information, to keep your continuity and emergency-contact information current, and to represent that you are authorized to provide information about other individuals. You understand that Policy Records on the Platform are not official carrier records and that you should contact the applicable carrier or your advisor for official policy status, claims, coverage, and beneficiary matters. You should not rely on the Platform for time-sensitive insurance decisions.

12. Acceptable Use

You agree not to misuse the Platform. Without limitation, you will not:

• Use the Platform in violation of any law, regulation, or third-party right, or for any unlawful, fraudulent, or deceptive purpose;
• Access, or attempt to access, accounts, records, or areas you are not authorized to use, or circumvent permissions, authentication, rate limits, or audit controls;
• Enter, upload, or process data you are not authorized to provide, or misrepresent your authority or identity;
• Use Platform outputs, including Trevor™ outputs, as insurance, legal, tax, or financial advice, or to solicit, sell, or recommend products in a manner not permitted by law;
• Scrape, harvest, crawl, or systematically extract data from the Platform, or copy, resell, or provide unauthorized access to the Platform;
• Reverse engineer, decompile, or disassemble the Platform, or attempt to derive source code, except to the extent this restriction is prohibited by law;
• Introduce malware, interfere with or disrupt the Platform, or probe, scan, or test the vulnerability of any system without authorization;
• Infringe HFG’s or any third party’s intellectual-property rights, or remove or obscure proprietary notices;
• Use the Platform to harass, defame, or harm others, or to transmit unlawful, infringing, or objectionable content.

HFG may investigate suspected violations and may suspend or terminate access, remove content, and cooperate with law enforcement as appropriate.

13. Account Security and Credentials

You are responsible for safeguarding your credentials and for enabling available security features, such as multi-factor authentication where offered. You are responsible for all activity under your Account and must notify HFG promptly at contact@huntersfinancialgroup.com of any suspected unauthorized access. HFG is not liable for losses arising from your failure to maintain the confidentiality of your credentials or to secure your devices.

14. Communications, SMS, Email, and Notifications

HFG may send transactional, security, operational, support, and, where permitted, marketing communications by email, SMS, phone, or push notification. Certain account, security, and service communications are necessary to operate the Platform and may not be optional. You may opt out of promotional communications where required by law, including by using an unsubscribe mechanism.

15. Privacy

Your use of the Platform is subject to the HFG Privacy Policy, which explains how HFG collects, uses, discloses, retains, and protects personal information and describes your privacy choices and rights. The Privacy Policy is incorporated into these Terms by reference. Where HFG processes information on behalf of an Organization, that Organization’s instructions and applicable data-processing terms may also apply.

16. Intellectual Property Rights

The Platform, including all software, technology, Trevor™ features, designs, text, graphics, and the HFG | Vault™, AdvisorOS™, ClientOS™, AdminOS™, and Trevor™ names and logos, is owned by HFG or its licensors and is protected by intellectual-property laws. Except for the limited rights expressly granted in these Terms, HFG reserves all rights, and no license to any HFG trademark is granted.

As between you and HFG, you or your Organization retain ownership of the Content you submit. You grant HFG a worldwide, non-exclusive, royalty-free license to host, store, process, transmit, display, and use that Content as necessary to operate, secure, support, and improve the Platform, to maintain audit and compliance records, and as otherwise described in the Privacy Policy. HFG may create and use de-identified or aggregated data that does not identify you.

17. Feedback

If you provide suggestions, ideas, or other feedback about the Platform, you grant HFG a perpetual, irrevocable, worldwide, royalty-free license to use it without restriction or obligation to you.

18. Third-Party Services, Carriers, and External Links

The Platform may reference or link to third-party websites, carrier portals, customer-service channels, CRM systems, payment processors, app marketplaces, and integrations. These are provided for convenience and are governed by the third party’s own terms and privacy policies. HFG does not control and is not responsible for third-party services, and references or links do not imply endorsement. If you access a carrier portal or provide information directly to a carrier or other third party, that third party’s terms apply.

19. Mobile Application License and Apple App Store Terms

HFG grants you a limited, non-transferable, non-exclusive license to install and use the HFG mobile application on devices you own or control, subject to these Terms and the usage rules of the applicable app marketplace. The following additional terms apply to applications obtained through the Apple App Store and are for the benefit of Apple Inc. (“Apple”):

• These Terms are between you and HFG only, and not with Apple. Apple is not responsible for the application or its content.
• The license granted is limited to use of the application on Apple-branded products that you own or control, as permitted by the App Store Usage Rules.
• Apple has no obligation to furnish any maintenance or support services for the application.
• To the maximum extent permitted by law, Apple has no warranty obligation with respect to the application. If the application fails to conform to any applicable warranty, you may notify Apple, and Apple may refund the purchase price, if any; Apple has no other warranty obligation.
• Apple is not responsible for addressing any claims relating to the application, including product-liability, legal-compliance, or consumer-protection claims, or claims that the application infringes third-party intellectual-property rights, which HFG will handle as provided in these Terms and applicable law.
• You represent that you are not located in a country subject to a U.S. Government embargo or designated as terrorist-supporting, and that you are not on any U.S. Government prohibited-parties list.
• Apple and its subsidiaries are third-party beneficiaries of these Terms and may enforce them against you.

20. Account Deletion and Data Retention

If you created an Account through the HFG mobile application, you may initiate account deletion within the app (for example, Settings → Account → Delete Account). You may also request deletion by contacting privacy@huntersfinancialgroup.com. HFG will process eligible deletions in accordance with the Privacy Policy and applicable law.

Where deletion is not legally or operationally possible, HFG may restrict, archive, de-identify, or retain information as required or permitted by law. Where your data is controlled by an Organization, HFG may direct your request to that Organization.

21. Fees, Subscriptions, and Enterprise Plans

Certain features of the Platform may be offered for a fee under a subscription, Order Form, or enterprise agreement. Where fees apply, you agree to pay all applicable fees and taxes in accordance with the applicable Order Form. Unless stated otherwise, fees are non-refundable, subscriptions may renew automatically until cancelled, and HFG may change fees on prospective notice. Enterprise terms in an Order Form supplement these Terms for the applicable Organization.

22. Suspension and Termination

You may stop using the Platform at any time. HFG may suspend or terminate your access, in whole or in part, with or without notice, if you violate these Terms, if your use poses a security, legal, or operational risk, for non-payment, or as otherwise permitted by these Terms or required by law. An Organization may also control or terminate the access of users it manages.

Upon termination, your right to use the Platform ends, and HFG may deactivate your Account. Provisions that by their nature should survive termination will survive, including provisions on intellectual property, disclaimers, limitation of liability, indemnification, dispute resolution, and governing law.

23. Disclaimers of Warranties

THE PLATFORM IS PROVIDED “AS IS” AND “AS AVAILABLE,” WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY. To the maximum extent permitted by law, HFG disclaims all warranties, including implied warranties of merchantability, fitness for a particular purpose, title, and non-infringement, and any warranties arising from course of dealing or usage of trade.

HFG does not warrant that the Platform will be uninterrupted, secure, timely, or error-free, or that Policy Records or other information are accurate, current, complete, or equivalent to official carrier records. HFG is not responsible for policy lapses, missed payments, missed events, or claims outcomes, which depend on carriers, advisors, and other parties outside HFG’s control. Some jurisdictions do not allow certain warranty exclusions, so some of the above may not apply to you.

24. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, HFG AND ITS AFFILIATES, AND THEIR OFFICERS, DIRECTORS, EMPLOYEES, AND SERVICE PROVIDERS, WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, REVENUE, DATA, GOODWILL, OR BUSINESS, arising out of or relating to the Platform or these Terms, whether based on contract, tort, or any other legal theory, even if advised of the possibility of such damages.

HFG’s total aggregate liability arising out of or relating to the Platform or these Terms will not exceed the greater of (a) the amounts you paid to HFG for the Platform in the twelve months before the event giving rise to the claim, or (b) one hundred U.S. dollars ($100). These limitations form an essential basis of the agreement and apply even if a limited remedy fails of its essential purpose. Some jurisdictions do not allow certain limitations, so some of the above may not apply to you.

25. Indemnification

To the extent permitted by law, you agree to indemnify, defend, and hold harmless HFG and its affiliates and their officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses, including reasonable attorneys’ fees, arising out of or relating to: your use of the Platform; your Content or the information you enter; your violation of these Terms or applicable law; your infringement of any third-party right; any advice, recommendation, or professional service you provide to your clients; or your unauthorized entry, use, or disclosure of another person’s information.

26. Dispute Resolution; Binding Arbitration; Class-Action Waiver

Informal Resolution. Before starting an arbitration, you and HFG agree to try to resolve any dispute informally by sending written notice to legal@huntersfinancialgroup.com and allowing 60 days to reach a resolution.

Binding Arbitration. Except as provided below, any dispute arising out of or relating to these Terms or the Platform that is not resolved informally will be resolved by final and binding arbitration administered by the American Arbitration Association under its applicable rules. Arbitration will be conducted on an individual basis, and the arbitrator may award the same individual remedies a court could.

Class-Action Waiver. You and HFG agree to bring disputes only in an individual capacity and not as a plaintiff or class member in any purported class, collective, or representative proceeding. The arbitrator may not consolidate more than one person’s claims.

Exceptions. Either party may bring an individual claim in small-claims court, and either party may seek injunctive or equitable relief in court to protect intellectual-property rights or address unauthorized access or misuse of the Platform.

30-Day Opt-Out. You may opt out of this arbitration provision by emailing legal@huntersfinancialgroup.com within 30 days of first accepting these Terms, stating your name, account, and intent to opt out. Opting out will not affect the other provisions of these Terms.

27. Governing Law and Venue

These Terms are governed by the laws of the State of Delaware, without regard to its conflict-of-laws rules, except that the Federal Arbitration Act governs the interpretation and enforcement of the arbitration provision. Subject to Section 26, any dispute not subject to arbitration will be brought exclusively in the state or federal courts located in Delaware, and you consent to their jurisdiction and venue. Nothing in this Section limits mandatory consumer protections available to you under the law of your place of residence.

28. Changes to These Terms

HFG may update these Terms from time to time. If we make material changes, we will update the “Last Updated” date and provide additional notice where required by law or through the Platform. Your continued use of the Platform after the updated Terms become effective means you accept the changes, subject to any additional consent requirements under applicable law. If you do not agree to the updated Terms, you must stop using the Platform.

29. General Provisions

Entire Agreement; Order of Precedence. These Terms, the Privacy Policy, and any applicable Order Form are the entire agreement between you and HFG regarding the Platform. If there is a conflict, an executed Order Form or enterprise agreement controls over these Terms for the applicable Organization, and these Terms control over other Platform materials.

Assignment. You may not assign or transfer these Terms without HFG’s prior written consent. HFG may assign these Terms in connection with a merger, acquisition, reorganization, or sale of assets. These Terms bind and benefit the parties and their permitted successors and assigns.

Severability; No Waiver. If any provision is held unenforceable, the remaining provisions remain in effect, and the unenforceable provision will be enforced to the maximum extent permitted. HFG’s failure to enforce a provision is not a waiver of its right to do so later.

Force Majeure. HFG is not liable for delays or failures caused by events beyond its reasonable control, including outages, disasters, labor disputes, and third-party service failures.

Notices; Electronic Communications. HFG may provide notices to you through the Platform or by email. You consent to receive communications and agreements electronically, and you agree that electronic records satisfy any legal requirement that such communications be in writing.

Relationship of the Parties; Headings. The parties are independent contractors, and these Terms do not create any partnership, joint venture, agency, or fiduciary relationship. Headings are for convenience only and do not affect interpretation.

30. Contact Information

For questions about these Terms, legal notices, privacy requests, or support, contact Hunters Financial Group Inc. through the appropriate channel below.

Hunters Financial Group Inc.
Wellington, Florida

Terms Inquiries: terms@huntersfinancialgroup.com
Legal Notices: legal@huntersfinancialgroup.com
Privacy & Data-Rights Requests: privacy@huntersfinancialgroup.com
Support: contact@huntersfinancialgroup.com
Main Office Line: 620-536-8228

© 2026 Hunters Financial Group Inc. All rights reserved.