Terms of service.

ABIG Health Terms of Service

Effective Date: March 31, 2026

I. Agreement to Terms

A. These Terms of Service (“Terms”) constitute a legally binding agreement between you (“you”) and ABIG Health (“ABIG,” “we,” “us,” or “our”) governing your access to and use of our website (abighealth.com) and any related content, materials, or services (collectively, the “Site”), including provisions that govern how disputes are resolved.

B. By accessing or using the Site, you acknowledge that you have read, understood, and agree to be bound by these Terms.

C. If you do not agree to these Terms, you must discontinue use of the Site immediately.

D. We may update or modify these Terms at any time. Updates will be reflected by a revised “Effective Date.” Your continued use of the Site constitutes acceptance of the updated Terms.

II. Eligibility & Geographic Use

A. You must be at least 18 years old (or the age of majority in your jurisdiction) to use this Site.

B. The Site is intended for users accessing it in jurisdictions where such use is lawful. Users who access the Site from other locations do so at their own initiative and are solely responsible for compliance with all applicable local laws.

III. Nature of the Site

A. The Site provides general information, insights, and marketing-related content about ABIG’s services.

B. The Site:

  • Does not require user registration or accounts

  • Does not allow user-generated content, comments, or reviews

  • Does not facilitate purchases, payments, or subscriptions

  • Does not host advertising or sponsored placements

C. Any references to services, capabilities, or outcomes are provided for informational purposes only and do not constitute an offer, solicitation, or binding commitment.

IV. Acceptable Use

A. You agree to use the Site only for lawful purposes.

B. You may not:

  • Attempt to gain unauthorized access to the Site or its systems

  • Interfere with or disrupt the Site’s functionality or security

  • Use automated tools (bots, scrapers, etc.) to extract data without permission

  • Attempt to reverse engineer, probe, or test the vulnerability of the Site

  • Copy, reproduce, distribute, or exploit Site content without authorization

  • Use the Site in violation of any applicable law or regulation

V. Intellectual Property Rights

A. All content on the Site—including text, graphics, branding, logos, and materials (“Content”)—is owned by or licensed to ABIG and is protected by applicable intellectual property laws.

B. You are granted a limited, non-exclusive, non-transferable, revocable license to access and use the Site for personal, non-commercial purposes only.

C. Any other use, including reproduction, distribution, modification, or commercial exploitation, requires prior written consent from ABIG.

D. All rights not expressly granted are reserved by ABIG.

VI. Submissions & Communications

A. If you voluntarily submit inquiries, feedback, or other communications to us (“Submissions”):

  • Such Submissions are non-confidential

  • You grant ABIG a worldwide, non-exclusive, royalty-free, perpetual license to use, reproduce, modify, and display such Submissions for any lawful business purpose without compensation

B. You represent and warrant that your Submissions do not violate any third-party rights, including intellectual property or privacy rights.

VII. Third-Party Links & Tools

A. The Site may contain links to third-party websites or embedded tools (e.g., analytics, video platforms).

B. ABIG:

  • Does not control or endorse third-party content

  • Is not responsible for the accuracy, legality, or privacy practices of third parties

  • Shall not be liable for any damages or losses arising from your use of or reliance on third-party services

C. Your use of third-party sites or tools is at your own risk.

VIII. No Professional Advice

A. All content is provided for informational purposes only and does not constitute medical, legal, financial, or other professional advice.

B. Use of the Site does not create a client, advisory, or professional relationship.

C. Marketing content and insights may include forward-looking statements or interpretations and should not be relied upon without independent verification or consultation with a qualified professional.

IX. Disclaimer of Warranties

A. The Site is provided on an “AS IS” and “AS AVAILABLE” basis, to the fullest extent permitted by applicable law.

B. To the fullest extent permitted by applicable law, ABIG disclaims all warranties, express or implied, including but not limited to:

  • Implied warranties of merchantability

  • Fitness for a particular purpose

  • Non-infringement

  • Accuracy or completeness of content

C. ABIG does not warrant that the Site will be uninterrupted, error-free, secure, or free of harmful components.

X. Limitation of Liability

A. To the fullest extent permitted by applicable law, ABIG shall not be liable for any direct, indirect, incidental, consequential, or special damages, including loss of data, revenue, or business opportunities, arising out of or related to your use of the Site.

B. This includes, without limitation, damages resulting from:

  • Use of or inability to use the Site

  • Errors or omissions in content

  • Third-party links, tools, or services

C. In no event shall ABIG’s total cumulative liability exceed one hundred U.S. dollars (USD $100) or the amount paid by you (if any) for accessing the Site, whichever is greater.

XI. Indemnification

A. You agree to defend, indemnify, and hold harmless ABIG and its affiliates, officers, directors, employees, and agents from and against any claims, damages, liabilities, losses, and expenses (including reasonable attorneys’ fees) arising out of or related to:

  • Your use of the Site

  • Your violation of these Terms

  • Your violation of any applicable law or third-party rights

XII. Privacy & Data

A. Your use of the Site is also governed by our Privacy Policy.

B. The Site may collect limited data through forms, analytics tools, or cookies.

C. By using the Site, you consent to such data collection and processing as described in our Privacy Policy.

XIII. Termination

A. We reserve the right to restrict, suspend, or terminate your access to the Site at any time, without notice, for any reason, including violation of these Terms.

XIV. Modifications & Availability

A. We may modify, suspend, or discontinue the Site or any part of it at any time without notice.

B. We are not liable for any interruption, delay, or unavailability of the Site.

XV. Governing Law & Dispute Resolution

A. These Terms shall be governed by and construed in accordance with the laws of Washington, D.C., United States, without regard to its conflict of law principles.

B. Any disputes arising out of or relating to these Terms shall be resolved exclusively in the state or federal courts located within Washington, D.C., and you consent to the personal jurisdiction of such courts.

C. To the fullest extent permitted by applicable law:

  • You waive any right to participate in a class action lawsuit or class-wide arbitration

  • All claims must be brought on an individual basis

D. Any claim arising out of or relating to these Terms must be brought within two (2) years after the cause of action arises, to the extent permitted by applicable law.

XVI. Miscellaneous

A. These Terms constitute the entire agreement between you and ABIG regarding use of the Site.

B. If any provision is found to be invalid or unenforceable, the remaining provisions shall remain in full force and effect.

C. Our failure to enforce any provision shall not constitute a waiver of that provision.

D. Nothing in these Terms creates any agency, partnership, joint venture, or employment relationship.

E. Section headings are for convenience only and do not affect interpretation.

XVII. Contact

For questions about these Terms or the Site, please contact us via our website contact form.