Terms of Use

These Terms of Use (the “Terms” or “Agreement”) form a binding agreement between H&S Capital Enterprise (“H&S,” “we,” “us,” or “our”) and you (“you,” “your,” or “yourself”), the individual accessing our website, tools, content, webinars, educational guides, AI assistant (“Ask H&S”), and related services (collectively, the “Services”).

BY USING THE SERVICES, YOU REPRESENT THAT YOU ARE AT LEAST 18 YEARS OLD, HAVE THE LEGAL AUTHORITY TO ENTER THIS AGREEMENT, HAVE READ THESE TERMS IN FULL, AND AGREE TO BE BOUND BY THEM. IF YOU DO NOT AGREE, DO NOT USE THE SERVICES.

The term “Affiliate” refers to any entity controlling, controlled by, or under common control with H&S Capital Enterprise, as well as our licensed carrier partners (including Transamerica, Nationwide, and National Life Group) when acting in connection with the Services. We may modify these Terms at any time; the most recent posted version is the controlling version.

Use of the website, Ask H&S chatbot, webinars, downloadable guides, or any other Service does not create an advisor-client, fiduciary, agency, or broker-dealer relationship between you and H&S Capital Enterprise.

A formal advisory relationship is established only after (a) you complete an in-person or scheduled consultation with a licensed H&S representative; (b) you sign an engagement letter, insurance application, or carrier-specific agreement; and (c) you receive written confirmation of the relationship from us. Until all three occur, no recommendations made through the Services are personalized to your circumstances.

Insurance and financial products are offered exclusively through licensed individuals in jurisdictions where they hold appropriate state licensure. Nothing on this website constitutes an offer or solicitation in any jurisdiction where such an offer would be unlawful.

Content published through the Services — including blog posts, webinars, downloadable guides, the Financial Education hub, and responses generated by Ask H&S — is provided for general educational purposes. It is not, and should not be interpreted as:

• Personalized investment, tax, accounting, legal, or actuarial advice;
• A recommendation that any specific security, insurance product, investment strategy, or financial transaction is suitable for you;
• A guarantee of any specific financial outcome.

Past performance does not predict future results. All content is provided on an “AS IS” and “AS AVAILABLE” basis. Before making any financial decision, consult with a licensed H&S representative or another qualified professional appropriate to your situation.

Ask H&S is an AI-powered conversational assistant designed to provide general information about HBCU wealth-building topics, our Services, and the “Four Enemies of Money.” By using Ask H&S, you acknowledge and agree that:

• Ask H&S is not a licensed financial advisor and may produce inaccurate or incomplete responses;
• Responses are generated by a third-party large language model and should not be relied upon as professional advice;
• Conversations are logged and stored to improve service quality, ensure safety, and meet regulatory recordkeeping requirements, as described in our Privacy Policy;
• You should not share Social Security numbers, account numbers, passwords, or other sensitive credentials with Ask H&S;
• For personalized guidance, you must schedule a consultation with a licensed H&S representative.

The Services and all content within them — including text, design, code, images, logos, the H&S brand, and audiovisual material — are the intellectual property of H&S Capital Enterprise or our licensors, protected by U.S. and international copyright and trademark laws.

We grant you a limited, personal, non-exclusive, non-transferable, revocable license to access and view the Services for your own non-commercial use. You may not:

• Copy, reproduce, distribute, publish, or commercially exploit any portion of the Services without our prior written consent;
• Use automated tools (bots, scrapers, spiders, crawlers, or AI training pipelines) to access, harvest, or copy our content;
• Remove, obscure, or alter any copyright, trademark, or proprietary notice;
• Reverse engineer, decompile, or circumvent any security feature of the Services;
• Use any domain name, branding, or metadata confusingly similar to ours.

Independent licensed agents operating under a separate written Agent Agreement may have additional, limited rights to use specified materials under the terms of that agreement.

By submitting any form on our website — including consultation requests, webinar registrations, guide downloads, newsletter signups, and career applications — you consent to:

• Receiving disclosures, agreements, notices, and other communications in electronic form;
• The use of electronic signatures and records to satisfy any legal requirement that information be in writing or signed by you;
• Communications from us by email, SMS (if you provide a phone number), or telephone at the contact details you provide, in accordance with applicable law and our Privacy Policy.

The Services and all content are provided “as is” and “as available,” without warranties of any kind, express or implied.

To the fullest extent permitted by law, H&S Capital Enterprise, its Affiliates, officers, directors, employees, agents, and suppliers disclaim all warranties — including, without limitation, implied warranties of merchantability, fitness for a particular purpose, title, non-infringement, accuracy, completeness, and uninterrupted or error-free operation.

We do not warrant that the Services will be secure, free of viruses or other harmful components, or available at all times. You assume full responsibility for your use of the Services and any reliance on their content. Forces beyond our reasonable control — including internet outages, power failures, natural disasters, labor disputes, and governmental actions — may interrupt the Services without liability to us.

To the fullest extent permitted by law, neither H&S Capital Enterprise nor its Affiliates, officers, directors, employees, or agents shall be liable for any indirect, incidental, consequential, special, exemplary, punitive, or reliance damages arising out of or related to the Services or these Terms — including, without limitation, lost profits, lost data, or financial losses — whether based in contract, tort, strict liability, or any other legal theory, and regardless of whether we have been advised of the possibility of such damages.

Our aggregate liability for all claims arising out of or related to the Services or these Terms shall not exceed the greater of (a) the total amount you have paid to us in the twelve months preceding the claim, or (b) one hundred U.S. dollars ($100).

Your sole and exclusive remedy for dissatisfaction with the Services is to stop using them. Some jurisdictions do not allow the limitation of certain damages, so the above limitation may not apply to you to the extent prohibited by law.

You agree to indemnify, defend, and hold harmless H&S Capital Enterprise, its Affiliates, officers, directors, employees, and agents from and against any and all third-party claims, liabilities, damages, losses, and expenses (including reasonable attorneys’ fees) arising out of or relating to: (a) your violation of these Terms; (b) your use or misuse of the Services; (c) your violation of the rights of any third party, including intellectual property or privacy rights; or (d) any content you submit through the Services.

We respect the intellectual property rights of others. If you believe content on our Services infringes your copyright, please send a written notice to our Designated Agent that includes:

• Your physical or electronic signature;
• Identification of the copyrighted work claimed to be infringed;
• Identification of the allegedly infringing material and its location on our Services;
• Your contact information (address, phone, email);
• A statement that you have a good-faith belief that the use is not authorized;
• A statement, under penalty of perjury, that the information in the notice is accurate and that you are the owner or authorized to act on the owner’s behalf.

DMCA Designated Agent: H&S Capital Enterprise, Attn: Copyright Agent, H&S Capital Enterprise, 6340 Security Blvd Ste 100 #1492, Baltimore, MD 21207. Email: info@hscapitalenterprise.org.

Please read this section carefully. It affects your legal rights, including your right to file a lawsuit in court and to participate in a class action.

Any dispute, claim, or controversy arising out of or relating to these Terms or the Services (a “Dispute”) shall be resolved by binding individual arbitration administered by the American Arbitration Association (“AAA”) under its Consumer Arbitration Rules. The arbitration shall take place in Baltimore, Maryland, or by video conference at the election of the consumer. The arbitrator’s decision shall be final and binding.

You and H&S agree that each may bring claims against the other only in an individual capacity, and not as a plaintiff or class member in any purported class, collective, or representative action. The arbitrator may not consolidate more than one person’s claims or preside over any form of representative or class proceeding.

Carve-outs: Either party may bring a claim in small-claims court for matters within that court’s jurisdiction, or seek injunctive relief in a court of competent jurisdiction to protect intellectual property rights. You may opt out of this arbitration agreement by sending written notice to the address in Section 13 within 30 days of first accepting these Terms; opting out will not affect any other provision of these Terms.

These Terms shall be governed by and construed under the laws of the State of Maryland, without regard to its conflict-of-laws principles. For any matter not subject to arbitration under Section 11, the exclusive venue shall be the state or federal courts located in Baltimore County, Maryland, and you consent to personal jurisdiction and venue there.

To the fullest extent permitted by law, you and H&S knowingly and voluntarily waive any right to a trial by jury in any action arising out of or relating to these Terms or the Services.

Changes. We may update these Terms at any time by posting a revised version with a new Effective Date. Continued use after changes constitutes acceptance.

Assignment. You may not assign these Terms. We may assign or transfer these Terms in connection with a merger, acquisition, sale of assets, or by operation of law.

Severability. If any provision of these Terms is found unenforceable, the remaining provisions remain in full force.

No Waiver. Our failure to enforce any provision is not a waiver of that provision.

Entire Agreement. These Terms, together with our Privacy Policy, constitute the entire agreement between you and H&S regarding the Services.

Prevailing Party. In any action permitted under these Terms, the prevailing party shall be entitled to recover reasonable attorneys’ fees and costs.