Terms and Conditions

1. Agreement to Terms

Welcome to the website of HF Group Benefits LLC, doing business as ThirdWave Benefits ("we," "our," or "us"). These Terms and Conditions ("Terms") govern your access to and use of our website, including all content, features, and services available through the site.

By accessing or using our website, you agree to be bound by these Terms and you represent and warrant that you are at least 18 years of age and of legal capacity to form a binding contract. If you do not agree to these Terms, you should not access or use the website.

2. Use of the Website

Our website is intended to provide general information about ThirdWave Benefits, our services, and the employee benefits industry. You may use our website for lawful purposes only and in accordance with these Terms. You agree not to:

• Use the website in any way that violates any applicable federal, state, or local law or regulation
• Attempt to gain unauthorized access to any portion of the website, its servers, or any systems or networks connected to the website
• Use the website to transmit any harmful, threatening, abusive, or otherwise objectionable material
• Use any automated system, including bots, scrapers, or other data-mining tools, to access the website
• Interfere with or disrupt the integrity or performance of the website

3. Cookies

Our website uses cookies, which are small text files stored on your device by your web browser. By using our website, you agree to our use of the following cookies:

• Analytics Cookies: Used by Google Analytics to collect anonymous, aggregated data about website traffic and usage patterns. These cookies help us improve our website and do not personally identify you.

You may disable cookies at any time through your browser settings. We do not use cookies for advertising or to track your activity across other websites. For more information on how your data is handled, please refer to our Privacy Policy.

4. Mailing List and Communications

By providing your email address and subscribing to our mailing list, you consent to receive periodic emails from ThirdWave Benefits containing information, insights, and updates about the employee benefits industry. These communications may include, but are not limited to, industry news, regulatory updates, blog content, and information about our services.

You may unsubscribe from our mailing list at any time by clicking the "unsubscribe" link included in any email we send or by contacting us directly. Upon unsubscribing, we will promptly remove your email address from our active mailing list, though processing may take a short period to complete.

5. CAN-SPAM Compliance

In accordance with the CAN-SPAM Act of 2003 (15 U.S.C. § 7701 et seq.), ThirdWave Benefits is committed to responsible email practices. We adhere to the following principles in all commercial email communications:

• We will not use false or misleading header information. The "From," "To," and "Reply-To" fields in our emails will accurately identify ThirdWave Benefits as the sender.
• We will not use deceptive subject lines. All subject lines will accurately reflect the content of the message.
• We will clearly identify our messages as advertisements or commercial communications where required.
• We will include our valid physical mailing address in every commercial email.
• We will honor all opt-out and unsubscribe requests promptly, and in no event later than ten (10) business days after receiving the request.
• We will not require you to pay a fee, provide information beyond your email address, or take any steps other than sending a reply email or visiting a single web page in order to unsubscribe.
• We will not sell, share, or transfer your email address to third parties for their marketing purposes.

If you believe you have received an email from us in violation of these principles, please contact us immediately using the information in the Contact Us section below.

6. Contact Requests and Information Submissions

When you submit information through our website's contact form to request communication from our team, you acknowledge that the information you provide (including your name, company name, phone number, email address, and message) will be used solely for the purpose of responding to your inquiry and providing you with relevant information about our services.

You represent that all information you submit through our website is accurate, current, and complete.

7. Disclaimer of Professional Advice

The content on our website and blog, including articles, commentary, and other materials, is provided for general informational purposes only. Nothing on this website constitutes specific insurance advice, legal advice, tax advice, or a recommendation to purchase or enroll in any particular insurance product or benefit plan.

The information presented reflects our opinions, research, and general industry knowledge at the time of publication. The employee benefits and insurance industry is subject to frequent changes, including but not limited to:

• Changes in federal, state, and local laws and regulations
• Updates to insurance carrier products, rates, networks, and availability
• Modifications to compliance requirements and reporting obligations
• Shifts in market conditions and industry best practices

We make no representations or warranties that the information on our website is current, complete, or applicable to your specific circumstances. You should consult with a qualified, licensed professional before making any decisions regarding employee benefits, insurance coverage, or related matters.

8. No Guarantee of Results

ThirdWave Benefits does not guarantee any specific outcomes, savings, rates, or coverage as a result of using our website or services. Insurance products and benefits plans are underwritten and administered by third-party carriers, and availability, pricing, and terms are determined by those carriers and are subject to change without notice.

9. Intellectual Property

All content on this website, including text, graphics, logos, images, blog posts, and other materials, is the property of HF Group Benefits LLC or its content suppliers and is protected by United States copyright, trademark, and other intellectual property laws.

You may not reproduce, distribute, modify, display, or create derivative works from any content on this website without our prior written consent. Limited personal, non-commercial use of website content is permitted provided that you maintain all copyright and proprietary notices.

10. Third-Party Links

Our website may contain links to third-party websites or resources. These links are provided for your convenience only. We have no control over the content or practices of third-party websites and accept no responsibility or liability for them. Your use of third-party websites is at your own risk and subject to those sites' respective terms and privacy policies.

11. Limitation of Liability

To the fullest extent permitted by applicable law, HF Group Benefits LLC, its officers, directors, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of or inability to use our website, including but not limited to:

• Reliance on any information provided on the website
• Errors, inaccuracies, or omissions in website content
• Any interruption or cessation of transmission to or from the website
• Any decisions made based on the content of our website or blog

12. Disclaimer of Warranties

Our website is provided on an "as is" and "as available" basis without warranties of any kind, either express or implied. We disclaim all warranties, including but not limited to implied warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that the website will be uninterrupted, error-free, or free of viruses or other harmful components.

13. Indemnification

You agree to indemnify, defend, and hold harmless HF Group Benefits LLC and its officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses, including reasonable attorneys' fees, arising out of or in any way connected with your access to or use of the website or your violation of these Terms.

14. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Florida, without regard to its conflict of law provisions. Any legal action or proceeding arising under these Terms shall be brought exclusively in the courts located in Brevard County, Florida, and you consent to the personal jurisdiction of such courts.

15. Dispute Resolution and Binding Arbitration

Any dispute, claim, or controversy arising out of or relating to your use of the website, our services, or these Terms shall be resolved by binding arbitration on an individual basis, rather than in court. You and HF Group Benefits LLC agree to waive any right to a jury trial or to participate in a class-action lawsuit or class-wide arbitration.

16. Changes to These Terms

We reserve the right to modify or update these Terms at any time at our sole discretion. When we make changes, we will update the "Effective Date" at the top of this page. Your continued use of the website following the posting of revised Terms constitutes your acceptance of the changes. We encourage you to review these Terms periodically.

17. Severability

If any provision of these Terms is found to be unenforceable or invalid by a court of competent jurisdiction, that provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions of these Terms shall remain in full force and effect.

18. Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and HF Group Benefits LLC regarding your use of our website and supersede all prior agreements, understandings, and communications, whether written or oral.

19. Contact Us

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

HF Group Benefits LLC DBA ThirdWave Benefits
3416 Heartwood Lane, Melbourne, FL 32934
Phone: 321.345.9482
Email: info@thirdwavebenefits.com
Website: www.thirdwavebenefits.com