Terms of Service

1. Acceptance of Terms

By accessing and using MD Insurance Hub ("the Service"), you accept and agree to be bound by the terms and provision of this agreement. If you do not agree to abide by the above, please do not use this service.

MD Insurance Hub reserves the right to modify these terms and conditions at any time. Your continued use of the Service following the posting of modified terms will mean that you accept and agree to the changes.

2. Description of Service

MD Insurance Hub provides Maryland insurance agents with tools for:

• Practice exam preparation
• Study materials and flashcards
• AI-powered coaching and strategy
• Lead generation and scoring
• Daily task tracking and management
• Analytics and progress monitoring

The Service is provided on an "as-is" basis. We make no representations or warranties about the accuracy or completeness of content.

3. User Accounts

To access certain features of the Service, you may be required to create an account. You are responsible for:

• Providing accurate and complete registration information
• Maintaining the confidentiality of your password
• Accepting responsibility for all activities under your account
• Notifying us immediately of unauthorized access

You may not use another person's account without permission. You may not assign or transfer your account. MD Insurance Hub reserves the right to terminate any account at any time.

4. Payment and Billing

Trial Period

New users receive a 7-day trial for $1. The trial includes full access to all features. After 7 days, your account will convert to a paid subscription unless cancelled before the trial period ends.

Recurring Charges

By upgrading to a paid plan (Agent Pro or Premium Agent), you authorize MD Insurance Hub to charge your payment method on a recurring monthly basis. Charges will appear on your billing statement as "MD Insurance Hub."

Billing Information

You agree to provide accurate and current billing information. You are responsible for all charges incurred under your account. If your payment method fails, we may suspend your access until payment is received.

Cancellation Policy

You may cancel your subscription at any time from your account settings. Cancellation will take effect at the end of your current billing period. You will retain access to the Service until the end of your paid period.

Refund Policy

Refunds for paid subscriptions are available within 30 days of the initial charge only. Refund requests must be submitted in writing to support@mdinsurancehub.com. Refunds will be issued to the original payment method.

5. Intellectual Property Rights

All content, features, and functionality of the Service (including but not limited to all information, software, text, displays, images, video, and audio) are owned by MD Insurance Hub, its licensors, or other providers of such material.

You are granted a limited, non-exclusive, non-transferable license to access and use the Service for your personal, non-commercial use. You may not reproduce, modify, or distribute any content without prior written permission.

6. User Content and Protection

You retain ownership of any content you upload or create within the Service. By uploading content, you grant MD Insurance Hub a license to use, display, and distribute your content for the purpose of providing the Service.

You agree not to upload content that:

• Is illegal or violates any laws
• Infringes on intellectual property rights
• Contains malware or harmful code
• Is defamatory, abusive, or harassing

MD Insurance Hub reserves the right to remove any content that violates these terms.

7. Limitation of Liability

To the maximum extent permitted by law, MD Insurance Hub and its affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages resulting from:

• Use of or inability to use the Service
• Unauthorized access to your account
• Loss of data or business interruption
• Third-party conduct

The total liability of MD Insurance Hub for any claim arising from the Service shall not exceed the amount paid by you for the Service in the 12 months preceding the claim.

8. Governing Law

These Terms of Service are governed by the laws of the State of Maryland, without regard to its conflict of law principles. Any legal action or proceeding related to the Service shall be brought exclusively in the state or federal courts located in Maryland.

9. Contact Information

If you have questions about these Terms of Service, please contact us at: