Effective date: November 5, 2026
These Terms and Services ("Terms") govern your access to and use of the website hubbubb.com (the "Site") operated by Hubbubb Insurance ("Hubbubb," "we," "us," or "our"), as well as certain interactions you may have with us through forms, newsletters, and educational materials made available on the Site. By accessing the Site, submitting information through our forms, or subscribing to communications, you agree to be bound by these Terms. If you do not agree, please discontinue use of the Site.
The Site provides general information about insurance products and services that Hubbubb may offer or facilitate. Content on the Site—including illustrations, pricing examples, coverage descriptions, and downloadable materials—is provided for informational and marketing purposes only. Nothing on the Site constitutes an offer to sell, a solicitation to purchase, or a binder of insurance coverage.
Insurance contracts are governed solely by the policy documents, endorsements, declarations, and applications issued by the underwriting insurer and accepted by the insured. In the event of any inconsistency between Site content and a bound policy, the policy language controls. Quotes generated through online tools or forms are estimates subject to underwriting review, verification of information you provide, and applicable law.
You represent that you are at least the age of majority in your jurisdiction and have the legal capacity to enter into these Terms. You agree to use the Site only for lawful purposes and in a manner that does not infringe the rights of others or restrict their use of the Site. Prohibited conduct includes attempting to gain unauthorized access to our systems, introducing malware, scraping content in violation of robots directives, impersonating another person, submitting false or misleading information in quote or contact forms, or using the Site to transmit unsolicited commercial messages.
We may suspend or terminate access to the Site, without notice, for conduct we reasonably believe violates these Terms or poses a security or legal risk. We reserve the right to cooperate with law enforcement and regulatory authorities regarding misuse.
Certain features may invite you to submit personal information through contact, quote, subscription, or unsubscribe forms. You agree to provide accurate, current, and complete information and to update it when necessary. Client-side validation on the Site improves data quality but does not replace our internal verification processes.
When you submit a form, you authorize Hubbubb to contact you regarding your inquiry using the email address or other details you supply. Marketing communications are sent only where you have provided appropriate consent. You may withdraw marketing consent through the unsubscribe mechanisms described on the Site and in our Privacy Policy. Transactional or service-related messages pertaining to an existing policy relationship may continue where permitted.
All content on the Site—including text, graphics, logos, icons, images, audio clips, software, and the compilation thereof—is the property of Hubbubb or its licensors and is protected by copyright, trademark, and other intellectual property laws. The Hubbubb name, logo, and trade dress may not be used without our prior written permission except as necessary to identify us as the source of information you share in accordance with fair use principles.
You are granted a limited, non-exclusive, non-transferable license to access and view Site content for personal, non-commercial use. You may not reproduce, distribute, modify, create derivative works from, publicly display, or exploit Site content without authorization. Any unauthorized use terminates this license immediately.
The Site may contain links to third-party websites, social sharing endpoints, or tools operated by parties other than Hubbubb. We provide these links for convenience and do not endorse or assume responsibility for third-party content, privacy practices, or availability. Your interactions with third parties are solely between you and the third party and may be subject to separate terms.
Insurance products may be underwritten by independent carriers. Those carriers are responsible for claims payment obligations as set forth in their policies. Hubbubb may act as an agent, broker, or administrator depending on the product and jurisdiction, and specific roles will be disclosed during the sales process.
THE SITE AND ALL CONTENT ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY. TO THE FULLEST EXTENT PERMITTED BY LAW, HUBBUBB DISCLAIMS IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT.
We do not warrant that the Site will be uninterrupted, error-free, or free of harmful components, or that information presented is complete, current, or applicable to your circumstances. Insurance decisions should be made only after reviewing official policy documents and consulting with licensed professionals.
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, HUBBUBB AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, AND AFFILIATES SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, DATA, GOODWILL, OR OTHER INTANGIBLE LOSSES, ARISING OUT OF OR RELATED TO YOUR USE OF OR INABILITY TO USE THE SITE, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
Our aggregate liability for direct damages arising from your use of the Site shall not exceed the greater of (a) the amount you paid to us for services related to the claim in the twelve months preceding the event giving rise to liability, or (b) one hundred currency units in the jurisdiction of your residence. Some jurisdictions do not allow certain limitations; in those cases, our liability is limited to the fullest extent permitted by law.
You agree to indemnify, defend, and hold harmless Hubbubb and its affiliates from and against any claims, liabilities, damages, losses, and expenses (including reasonable legal fees) arising out of or related to your violation of these Terms, misuse of the Site, or submission of inaccurate or unlawful information.
Our collection and use of personal information is described in the Hubbubb Privacy Policy, which is incorporated into these Terms by reference. By using the Site, you acknowledge that you have read and understood the Privacy Policy.
We may modify Site content, features, or these Terms at any time. Material changes will be indicated by updating the effective date at the top of this page. Continued use of the Site after changes become effective constitutes acceptance of the revised Terms. If you do not agree to updated Terms, you must stop using the Site.
These Terms are governed by the laws applicable in the jurisdiction where Hubbubb maintains its principal place of business, without regard to conflict-of-law principles. Any dispute arising under these Terms that cannot be resolved informally shall be submitted to the competent courts of that jurisdiction, unless mandatory consumer protection rules in your location require otherwise.
Before initiating formal proceedings, you agree to contact us through the Site contact form to attempt good-faith resolution within thirty days.
If any provision of these Terms is held invalid or unenforceable, the remaining provisions remain in full force. These Terms, together with the Privacy Policy and any product-specific agreements you enter into, constitute the entire agreement between you and Hubbubb regarding use of the Site.
Questions about these Terms may be submitted through the Contact Us page on hubbubb.com. We will respond as promptly as practicable.
