Terms of Use

Last Revision: June 06, 2025

These terms of use are entered into by and between the user accessing this site (“you”) and Ethos Group, Inc. and its parents, affiliates, subsidiaries, assigns, successors, or agents (“Ethos Group” or “we”). The following terms and conditions (“Terms of Use”) apply to and govern your access to and use of a network of various websites and web pages operated by Ethos Group, including but not limited to any content, functionality, services, and applications offered within ethosgroup.com, egcs.com, egassurance.com, ethospay.io, ethosedge.com, ethospocket.com, hexis.com, and ethoslogin.com (collectively the “Website”).

1. Acceptance of the Terms of Use

1.1 Please read the terms of use carefully before you start to use the website. By using the website, you accept and agree to be bound and abide by these terms of use. If you do not want to agree to these terms of use, you must not access or use the website.

2. Changes to the Terms of Use

2.1 We reserve the right to change, modify, add, or remove portions of these terms at any time. All changes are effective immediately when we post them, and apply to all access to, and use of, the Website thereafter.

2.2 Your continued use of the Website following the posting of revised Terms of Use means that you accept and agree to the changes. It is your responsibility to check these terms periodically for changes.

3. Accessing the Website

3.1 We will not be liable if, for any reason, all or any part of the Website is unavailable at any time or for any period. From time to time, we may restrict access to some or all parts of the Website to users. We grant you a limited, non-exclusive, non-transferable license to access and use the website. You may download or print a copy of information provided on the website, however, any competing commercial use of the Website or its contents is strictly prohibited without express written consent from Ethos Group.

4. Changes to the Website

4.1 We may update the content on the Website from time to time, but its content is not necessarily complete or up to date. Any of the material on the Website may be out of date at any given time, and we are under no obligation to update such material.

5. Privacy Policy

5.1 Please refer to Ethos Group’s Privacy Policy for information on how we collect, use, and share information about users of the Website.

6. Service Availability

6.1 The Website may contain references to Ethos Group services or products that may not be available in every location.

7. Account Security

7.1 If you are provided with a username, password or any other piece of information as part of our security procedures, you must treat such information as confidential, and you must not disclose it to any other person or entity. You also acknowledge that your account is personal to you and agree not to provide any other person with access to this Website or portions of it using your username, password, or other security information.

7.2 You agree to notify us immediately of any unauthorized access to or use of your username, password, or any other breach of security. You also agree to ensure that you logout from your account at the end of each session. You should use caution when accessing your account from a public or shared computer so that others are not able to view or record your password or other personal information.

7.3 We have the right to disable any username or password, and withdraw access to your account or Website, at any time in our sole discretion for any or no reason, including if, in our opinion, you have violated any provision of these Terms of Use.

8. Intellectual Property Rights

8.1 The Website and its entire contents, features, and functionality (including but not limited to all information, software, text, displays, images, video and audio, and the design, selection and arrangement thereof), are owned by Ethos Group, its licensors, or other providers of such material and are protected by United States and international copyright, trademark, patent, trade secret, and other intellectual property or proprietary rights laws.

8.2 These Terms of Use permit you to use the Website for a legitimate business purpose. You must not reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, republish, download, store, transmit, disassemble, or reverse engineer any of the material or software on our Website, except as follows:

8.3 You must not modify copies of any materials from the Website, or delete or alter any copyright, trademark or other proprietary rights notices from copies of materials from the Website.

8.4 Under no circumstances will you acquire any ownership rights or other interest in any content by or through your use of this Website. All rights not expressly granted by these Terms of Use are reserved by Ethos Group. Any use of the Website not expressly permitted by these Terms of Use is a breach of these Terms of Use and may violate copyright, trademark and other laws.

8.5 The names and logos of Ethos Group and its affiliates, and all related names, logos, product and service names, designs and slogans are trademarks of Ethos Group or its affiliates or licensors. You must not use such marks without the prior written permission of Ethos Group or its affiliates.

9. Prohibited Uses

9.1 You may use the Website only for lawful purposes and in accordance with these Terms of Use. You agree not to:

9.1.1 Use the Website in any way that violates any applicable federal, state, local or international law or regulation (including, without limitation, any laws regarding the export of data or software to and from the US or other countries).

9.1.2 Use the Website to engage in any other conduct that restricts or inhibits anyone's use or enjoyment of the Website, or which, as determined by us, may harm Ethos Group or users of the Website or expose them to liability.

9.1.3 Use the Website in any manner that could disable, overburden, damage, or impair the Website or interfere with any other party's use of the Website, including their ability to engage in real time activities through the Website.

9.1.4 Use any robot, spider or other automatic device, process or means to access the Website for any purpose, including monitoring or copying any of the material on the Website.

9.1.5 Use any manual process to monitor or copy any of the material on the Website or for any other unauthorized purpose without our prior written consent.

9.1.6 Use any device, software or routine that interferes with the proper working of the Website.

9.1.7 Attempt to gain unauthorized access to, interfere with, damage or disrupt any parts of the Website, the server on which the Website is stored, or any server, computer or database connected to the Website.

9.1.8 Otherwise attempt to interfere with the proper working of the Website or any other unauthorized use of the Website.

9.1.9 Contributing material that reveals any trade secrets, or other intellectual property of another, regardless of origin, unless you own them or have the permission of the owner.

9.1.10 Contributing material that is copyrighted or otherwise owned by a third-party unless you are the copyright owner or have the permission of the owner to do so.

9.1.11 Gaining access to data not intended for such user or logging into a server or account which user is not authorized to access.

9.1.12 Attempting to probe, scan, or test the vulnerability of a system or network or to breach security or authentication measures without proper authorization.

9.1.13 Attempting to interfere with service to any user, host, or network, including, without limitation, via means of submitting a virus or other malicious computer software or code to the Website, overloading, “flooding”, “mailbombing”, or “crashing” the Website.

9.1.14 Sending unsolicited e-mail, including promotions and/or advertising of products or services.

10. User Contributions

10.1 The Website may contain interactive features (“Interactive Services”) that allow users to post, submit, publish, display or transmit to other users or other persons (“post”) content or materials (collectively, “User Contributions”) on or through the Website.

10.2 All User Contributions must comply with the Content Standards set out in these Terms of Use.

10.3 Any User Contribution you post to the Website will be considered non-confidential and non-proprietary. By providing any User Contribution on the Website, you grant us and our affiliates and service providers, and each of their and our respective licensees, successors and assigns the right to use, reproduce, modify, perform, display, distribute and otherwise disclose to third parties any such material for any purpose.

10.4 You represent and warrant that:

10.4.1 You own or control all rights in and to the User Contributions and have the right to grant the license granted above to us and our affiliates and service providers, and each of their and our respective licensees, successors and assigns.

10.4.2 All of your User Contributions do and will comply with these Terms of Use.

10.4.3 You understand and acknowledge that you are responsible for any User Contributions you submit or contribute, and you, not the Company, have fully responsibility for such content, including its legality, reliability, accuracy and appropriateness.

10.5 We are not responsible, or liable to any third party, for the content or accuracy of any User Contributions posted by you or any other user of the Website.

11. Content Standards

11.1 These content standards apply to all User Contributions and use of Interactive Services. User Contributions must in their entirety comply with all applicable federal, state, local and international laws and regulations. Without limiting the foregoing, User Contributions must not:

11.1.1 Contain any material which is defamatory, obscene, indecent, abusive, offensive, harassing, violent, hateful, inflammatory or otherwise objectionable.

11.1.2 Promote sexually explicit or pornographic material, violence, or discrimination based on race, sex, religion, nationality, disability, sexual orientation or age.

11.1.3 Infringe any patent, trademark, trade secret, copyright or other intellectual property or other rights of any other person.

11.1.4 Violate the legal rights (including the rights of publicity and privacy) of others or contain any material that could give rise to any civil or criminal liability under applicable laws or regulations or that otherwise may conflict with these Terms of Use.

11.1.5 Be likely to deceive any person.

11.1.6 Promote any illegal activity, or advocate, promote or assist any unlawful act.

11.1.7 Cause annoyance, inconvenience or needless anxiety or be likely to upset, embarrass, alarm or annoy any other person.

11.1.8 Impersonate any person or misrepresent your identity or affiliation with any person or organization.

11.1.9 Involve commercial activities or sales, such as contests, sweepstakes and other sales promotions, barter or advertising.

11.1.10 Give the impression that they emanate from or are endorsed by us or any other person or entity, if this is not the case.

12. Links from the Website

12.1 Ethos Group may provide links to third-party websites for your convenience. Ethos Group does not assume any responsibility for the (i) content of, (ii) technology implemented by, or (iii) privacy practices of third-party websites and all use is at your own risk. You should review the privacy policy and terms of use for each third-party website and confirm they are acceptable prior to use of the website. Links to third-party websites do not imply endorsement of the websites by Ethos Group. In no event shall Ethos Group be liable, directly or indirectly, to anyone for any loss or damage arising from the use of the linked websites or the information or material accessed through such websites including, without limitation, any incidental, special, or consequential damages of any kind whatsoever, attorneys' fees and lost profits or savings.

13. Disclaimer of Warranties

13.1 You understand that we cannot and do not guarantee or warrant that files available for downloading from the internet or the Website will be free of viruses or other destructive code. You are responsible for implementing sufficient procedures and checkpoints to satisfy your particular requirements for anti-virus protection and accuracy of data input and output, and for maintaining a means external to our Website for any reconstruction of any lost data. WE WILL NOT BE LIABLE FOR ANY LOSS OR DAMAGE CAUSED BY A DISTRIBUTED DENIAL-OF-SERVICE ATTACK, VIRUSES OR OTHER TECHNOLOGICALLY HARMFUL MATERIAL THAT MAY INFECT YOUR COMPUTER EQUIPMENT, COMPUTER PROGRAMS, DATA OR OTHER PROPRIETARY MATERIAL DUE TO YOUR USE OF THE WEBSITE OR ANY SERVICES OR ITEMS OBTAINED THROUGH THE WEBSITE OR TO YOUR DOWNLOADING OF ANY MATERIAL POSTED ON IT, OR ON ANY WEBSITE LINKED TO IT.

13.2 YOUR USE OF THE WEBSITE, ITS CONTENT AND ANY SERVICES OR ITEMS OBTAINED THROUGH THE WEBSITE IS AT YOUR OWN RISK. THE WEBSITE, ITS CONTENT AND ANY SERVICES OR ITEMS OBTAINED THROUGH THE WEBSITE ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS, WITHOUT ANY WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. NEITHER ETHOS GROUP NOR ANY PERSON ASSOCIATED WITH ETHOS GROUP MAKES ANY WARRANTY OR REPRESENTATION WITH RESPECT TO THE COMPLETENESS, SECURITY, RELIABILITY, QUALITY, ACCURACY OR AVAILABILITY OF THE WEBSITE. WITHOUT LIMITING THE FOREGOING, NEITHER ETHOS GROUP NOR ANYONE ASSOCIATED WITH ETHOS GROUP REPRESENTS OR WARRANTS THAT THE WEBSITE, ITS CONTENT OR ANY SERVICES OR ITEMS OBTAINED THROUGH THE WEBSITE WILL BE ACCURATE, RELIABLE, ERROR-FREE OR UNINTERRUPTED, THAT DEFECTS WILL BE CORRECTED, THAT OUR WEBSITE OR THE SERVER THAT MAKES IT AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS OR THAT THE WEBSITE OR ANY SERVICES OR ITEMS OBTAINED THROUGH THE WEBSITE WILL OTHERWISE MEET YOUR NEEDS OR EXPECTATIONS.

13.3 ETHOS GROUP HEREBY DISCLAIMS ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, STATUTORY OR OTHERWISE, INCLUDING BUT NOT LIMITED TO ANY WARRANTIES OF MERCHANTABILITY, NON-INFRINGEMENT AND FITNESS FOR PARTICULAR PURPOSE.

13.4 THE FOREGOING DOES NOT AFFECT ANY WARRANTIES WHICH CANNOT BE EXCLUDED OR LIMITED UNDER APPLICABLE LAW.

14. Limitation on Liability

14.1 IN NO EVENT WILL ETHOS GROUP, ITS AFFILIATES OR THEIR LICENSORS, SERVICE PROVIDERS, EMPLOYEES, AGENTS, OFFICERS, OR DIRECTORS BE LIABLE FOR DAMAGES OF ANY KIND, UNDER ANY LEGAL THEORY, ARISING OUT OF OR IN CONNECTION WITH YOUR USE, OR INABILITY TO USE, THE WEBSITE, ANY CONTENT ON THE WEBSITE OR ANY SERVICES OR ITEMS OBTAINED THROUGH THE WEBSITE, SUCH AS ANY ERRORS IN OR OMISSIONS FROM THE WEBSITE, INCLUDING, BUT NOT LIMITED TO, TECHNICAL INACCURACIES AND TYPOGRAPHICAL OR SCRIVENER’S ERRORS , ANY THIRD-PARTY WEBSITES OR CONTENT THEREIN DIRECTLY OR INDIRECTLY ACCESSED THROUGH LINKS ON THE WEBSITE, INCLUDING, BUT NOT LIMITED TO, ANY ERRORS IN OR OMISSIONS THEREFROM ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO, PERSONAL INJURY, PAIN AND SUFFERING, EMOTIONAL DISTRESS, LOSS OF REVENUE, LOSS OF PROFITS, LOSS OF BUSINESS OR ANTICIPATED SAVINGS, LOSS OF USE, LOSS OF GOODWILL, LOSS OF DATA, AND WHETHER CAUSED BY TORT (INCLUDING NEGLIGENCE), BREACH OF CONTRACT OR OTHERWISE, EVEN IF FORESEEABLE.

14.2 THE FOREGOING DOES NOT AFFECT ANY LIABILITY WHICH CANNOT BE EXCLUDED OR LIMITED UNDER APPLICABLE LAW.

15. Indemnification

15.1 You agree to indemnify, defend and hold Ethos Group and its parent companies, officers, shareholders, employees, and affiliates harmless from any liability, loss, claim, and expense, including reasonable attorney's fees, related to your violation of this Agreement or use of the Website.

16. Mobile Application Users

16.1 With respect to each of Ethos Group’s mobile applications (each an “App”), when you download an App, or you create an account on the App, by selecting “I agree to the Terms and Conditions”, or similar, you are expressly agreeing that you have read, understand, and agree to be bound by these Terms of Use. Ethos Group makes the App (or Apps) available so that users may access Ethos Group’s services via a mobile device. To use the App you must have a compatible mobile device to which Ethos Group hereby does not warrant or guarantee compatibility with your mobile device. Ethos Group hereby grants to you a non-exclusive, non-transferable, revocable license to use an object code copy of the App for one registered account on a mobile device owned or leased solely by you. You may not: (i) modify, disassemble, decompile, reverse engineer or create derivative works of the App, except to the extent that such restriction is expressly prohibited by law; (ii) rent, lease, loan, resell, sublicense, distribute or otherwise transfer the App to any third-party; (iii) copy, reproduce, republish, upload, post, transmit or distribute the App in any way, unless specifically allowed in these Terms of Use; (iv) remove, circumvent, disable, damage or otherwise interfere with the security features of the App such as features that prevent or restrict use or copying of any content accessible through the App, or features that enforce limitations on use of the App; or (v) delete the copyright and other proprietary rights notices on the App. You acknowledge that Ethos Group may from time-to-time issue upgraded versions of the App and may automatically electronically upgrade the version of the App that you are using on your mobile device. You consent to such automatic upgrading on your mobile device and agree that the terms and conditions of these Terms of Use will apply to all such upgrades. The foregoing license grant is not a sale of the App or any copy thereof, and Ethos Group and its third-party licensors or suppliers retain all right, title, and interest in and to the App (and any copy of the App). Standard carrier data charges may apply to your use of the App.

16.2 With respect to any App that Ethos Group provides to you designed for use on an Apple, Inc. iOS-powered mobile device (an “iOS App”), these Terms of Use incorporate by reference the terms and conditions of the “Standard” Licensed Application End User License Agreement (“LAEULA”) published by Apple, Inc. (www.apple.com/legal/macapps/dev/stdeula). For purposes of these Terms of Use, Ethos Group’s iOS App is considered the “Licensed Application” and Ethos Group is considered the “Application Provider” under the LAEULA To the extent that these Terms of Use conflict with any of the terms and conditions of the LAEULA, these Terms of Use shall control.

17. Disputes

17.1 Any claim or controversy arising out of or relating to your use of the Website or the Terms of Use, whether in law or in equity, and whether such claim arises in tort, contract, equity or otherwise, shall be resolved by binding and confidential arbitration administered by the American Arbitration Association in Dallas County, Texas, in accordance with its then existing commercial arbitration rules, except that such dispute shall only be before a single arbitrator. The arbitrator shall have exclusive authority to determine whether any particular claim or controversy is arbitrable and covered by this provision. The parties further agree that no arbitrator has the authority to: (1) award relief in excess of what the Terms of Use provide; or (2) order consolidation or class arbitration, consolidate more than one person’s claims, and may not otherwise preside over any form of a representative class proceeding. Any award by the arbitrator shall be final and binding upon the parties and may be enforced by judgment of any competent court having jurisdiction over either party. Notwithstanding the arbitration provisions described in this section, the parties will at all times retain the right to seek injunctive relief (but not monetary damages) in any court in Dallas County, Texas for (i) a breach of these Terms of Use, (ii) controversies relating to the enforcement of trademark, copyright, patent or other intellectual property rights, and (iii) disputes related to confidential information.

17.2 You acknowledge and agree that each party shall pay the fees and costs of its own attorneys, experts, and witnesses incurred in connection with any arbitration or court proceeding between the parties notwithstanding any prevailing party’s attorneys’ fees provision a part of any statute under which you may bring a claim.

17.3 The Terms of Use shall be governed by the laws of the state of Texas. The validity, effect, and enforceability of the arbitration provisions of the Terms of Use.