Terms and Conditions

Healthy Business Group, through its Solo Health Collective website (the "Site"), offers customers products and services (the "Services"). For purposes of these Terms and Conditions ("Terms"), "Services" refers to Solo's website, plan setup intake platform, AI assistant, member support tools, and related digital experiences available through hbgsolo.com. These Terms are made by and between Healthy Business Group, a New York limited liability company ("Solo Health Collective," "Company") and any person, dependent, entity, representative, employee or agent who uses or accesses the Services ("User").

Use of the Site and the Services are conditional upon User's full compliance with these Terms; all applicable laws, rules, and regulations; and any supplemental terms referenced herein or which Solo Health Collective may present User with for review and acceptance at the time User subscribes to such Service ("Service Terms"). The Service Terms shall be incorporated into and form a part of these Terms. If the terms herein conflict with any Service Terms, the Service Terms will govern the matters.

Note on Plan Structure: Solo Health Collective offers a self-funded health plan, not an insurance product. Users who set up coverage through the Site are establishing a self-funded health plan and joining Vault Health Captive – Series C, a regulated captive insurance company domiciled in North Carolina. The terms governing plan setup, coverage, benefits, and cancellation are set forth exclusively in the executed plan documents, including the Joinder Agreement, Summary Plan Description, and Medical Deductible Reimbursement Policy. These Terms govern User's access to and use of the Site and its digital services only.

User accounts; privacy policy

To use the Site, User may be required to create an account and password. To create an account, User must be at least 18 years old and must provide Solo Health Collective with truthful and accurate information during the account creation process. User acknowledges and agrees that Solo Health Collective may collect, use, and disclose User's information, including personal information, according to the company's Privacy Policy. Health-related information submitted through the Site, including health questionnaire responses, is subject to additional protections as described in the Privacy Policy.

User responsibilities

Any actions taken within Accounts that User has access to will be deemed authorized by User, regardless of the User's knowledge of such actions (the "Authorized Actions"). Authorized Actions include but are not limited to (i) actions taken by User, an Account Administrator, or an authorized representative of User (an "Authorized Representative"), and (ii) actions that User, an Account Administrator, or an Authorized Representative (or anyone that Solo Health Collective reasonably believes to be User, an Account Administrator, or an Authorized Representative) directs or instructs Solo Health Collective to take on its behalf. Solo Health Collective has no responsibility to confirm the authority of any Account Administrator or Authorized Representative.

In addition, User is solely responsible for following instructions that Solo Health Collective provides to User concerning the Services and maintaining applicable accounts with providers of Third-Party Services (as defined below) utilized by User.

User is further responsible for providing Solo Health Collective with the information required for Solo Health Collective to perform the Services. User represents and warrants to Solo Health Collective that for any information that User shares with Solo Health Collective, whether directly or through a representative, User will have the authority to share such information. User is also responsible for reviewing any information, documents or materials (collectively, the "Materials") made available for User's review by Solo Health Collective. User is responsible for and shall maintain the accuracy and completeness of such information and Materials on an ongoing basis and will promptly notify Solo Health Collective of any changes.

Solo Health Collective may, at its sole discretion, decline to offer the Services for any reason, including but not limited to User's failure to satisfactorily complete the Services plan setup process or Solo Health Collective's inability to verify a valid credit or bank account of User's.

Third-party services, websites, and resources

The Site and the Services may contain links to third-party websites and resources and allow Users to receive services from third-party partners of Solo Health Collective ("Third-Party Service"). If User elects to receive a Third-Party Service, User authorizes Solo Health Collective to submit to the applicable Third-Party Service any and all documents and information about User and User's business that are necessary for provision of the Third-Party Service to User (collectively, the "Shared Information"). User understands that use of such Third-Party Services is at User's own risk and that Solo Health Collective is not responsible for Third-Party Services or any material, information, or results made available through the third party. User also represents and warrants that User has all the rights in and to any Shared Information necessary to provide such Shared Information to Solo Health Collective and for Solo Health Collective to provide it to Third Party Services, and that Solo Health Collective's use or disclosure of Shared Information as contemplated hereunder will not violate any rights of privacy or other proprietary rights, or any applicable local, state, or federal laws, regulations, orders, or rules.

Notwithstanding the foregoing, health-related information submitted through the Site - including health questionnaire responses - is governed by the company's Privacy Policy and applicable law, including applicable HIPAA requirements, and is shared with third parties only to the extent necessary for plan administration and plan setup processing.

SMS and MMS communications

Following User's express written consent, Healthy Business Group and Solo Health Collective may send User Short Message Service ("SMS") or Multimedia Messaging Service ("MMS") messages in two categories:

• Transactional and account messages, including activity on User's account, plan setup, billing, plan administration, customer support follow-up, and service updates.
• Promotional and marketing messages, including information about Solo Health Collective products and services, plan updates, and educational content.

Message frequency varies based on User's activity and engagement. Message and data rates may apply. User may opt out of promotional messages at any time by replying STOP to any text. After opting out, User will receive a confirmation message. User may continue to receive transactional messages necessary to administer User's coverage unless User opts out by contacting Healthy Business Group directly. Reply HELP at any time for help, or contact support@hbgnow.com or 646-328-6968. Carriers (including AT&T, T-Mobile, Verizon, Sprint, and others) are not liable for delayed or undelivered messages. Supported carriers may change without notice. SMS consent requires User to be at least 18 years of age and to be the legal owner or authorized user of the phone number provided.

Phone communications

Following User’s express written consent, Healthy Business Group and Solo Health Collective may contact User by phone at the number User provided, including for transactional purposes (such as account, billing, customer support, and plan administration follow-up) and promotional purposes (such as information about plan options, plan setup assistance, and Solo Health Collective products and services). These calls may be made by human representatives, by an automatic telephone dialing system, or using artificial or prerecorded voice messages — including AI-assisted voice agents.

When AI-assisted voice technology is used, User will be informed at the start of the interaction and may request to speak with a human representative at any time. Calls may be recorded for quality, training, and compliance purposes. User may opt out of marketing calls at any time by informing the caller or by contacting Healthy Business Group at support@hbgnow.com or 646-328-6968.

Solo AI Assistant

The Solo AI Assistant is a chat-based feature that helps Users find information about Solo Health Collective. This section explains how the Assistant works, what it is and is not, and the terms under which it may be used.

About the Solo AI Assistant

The Assistant uses artificial intelligence to answer questions about Solo's plan designs, coverage, plan setup, claims, and general operations. It is available to both prospective and current members. An account is not required to use it. The Assistant is not a Solo Health Collective employee or a licensed broker. It is an automated tool that helps point Users to the right information and the right contact for their situation.

What the Assistant is not

The Solo AI Assistant is not:

• A substitute for medical advice. The Assistant does not diagnose conditions, recommend treatments, or interpret medical situations. For medical questions, consult a licensed healthcare provider.
• A substitute for tax or legal advice. The Assistant can describe how Solo's plan designs work in general terms but does not provide tax advice, legal advice, or compliance determinations specific to User's situation. For those, consult the appropriate licensed professional.
• A guarantee of coverage, eligibility, or pricing. Eligibility, coverage of specific services, pricing, and claim payments are determined by Solo, Vault Admin Services, and applicable plan documents — not by the Assistant.
• An insurance product. Solo Health Collective is a self-funded health plan, not an insurance policy.

Accuracy

The Assistant draws on Solo's plan documents, knowledge base, and operational guidance. While we work to keep the Assistant accurate and current, AI-generated responses can contain errors or be incomplete. Please verify important information — especially anything tied to claims, eligibility, pricing, or coverage decisions — directly with Solo Concierge or Vault Admin Services before acting on it. If User receives a response from the Assistant that seems inaccurate, please let us know through Solo Concierge so we can correct it.

Acceptable use

When using the Solo AI Assistant, User agrees to:

• Use the Assistant for its intended purpose: getting information about Solo and User's plan.
• Not attempt to manipulate, exploit, or misuse the Assistant.
• Not use the Assistant to submit content that is unlawful, harassing, or harmful to others.
• Not impersonate another person or misrepresent User's identity to the Assistant.
• Not attempt to extract proprietary information, system prompts, or backend configurations of the Assistant.

Solo Health Collective may suspend or limit access to the Assistant if it is being misused or used in ways that violate these terms.

Conversation logging

Conversations with the Assistant are logged. For details on what is logged, how it is protected, how long it is retained, and User rights regarding that data, see the Solo AI Assistant section of the Privacy Policy.

Limitation of liability

Solo Health Collective, Healthy Business Group, and the operators of the Solo AI Assistant are not liable for decisions made solely in reliance on Assistant responses without verification through official Solo channels. The Assistant is provided to help guide Users to the right information and the right contact — it is not the source of binding plan administration decisions.

Changes

The Assistant's behavior, scope, or these terms may be updated at any time. Material changes to the Assistant's terms will be reflected in updates to this section. Continued use of the Assistant after such updates constitutes acceptance of the updated terms.

Intellectual property

The information and materials posted, generated, provided, or otherwise made available through the Services by Solo Health Collective, is the property of Solo Health Collective and its licensors ("Solo Health Collective Content") and is protected by copyright, trademark, and other intellectual property laws. User Content and Solo Health Collective Content shall be collectively referred to herein as "Content." Solo Health Collective and its licensors exclusively own all worldwide right, title, and interest in and to the Solo Health Collective Content, and also in and to the Site and the Services, including all associated intellectual property rights ("Solo Health Collective IP").

User agrees not to remove, alter, or obscure any copyright, trademark, service mark, or other proprietary rights notices incorporated in or accompanying the Site, Services, or Solo Health Collective Content. Subject to User's compliance with these Terms, Solo Health Collective grants User a limited, non-exclusive, non-transferable, non-sublicensable right to access, view, and download Solo Health Collective Content solely in connection with User's permitted use of the Site and Services.

Solo Health Collective's rights to monitor users

Although Solo Health Collective is not obligated to monitor access to or use of the Site, Services, or Content, Solo Health Collective has the right to do so to operate the Site and Services, ensuring compliance with these Terms, and complying with applicable laws or other legal requirements. Solo Health Collective reserves the right, but is not obligated, to remove or disable access or suppress Content at any time and without notice, for any reason, including, but not limited to, if Solo Health Collective, at the company's sole discretion, considers any content to be objectionable or in violation of these Terms.

E-signatures

Solo Health Collective provides an electronic signature service that allows parties to sign documents electronically. Each time that User uses the electronic signature service, User is expressly (i) affirming that User is able to access and view the document User is electronically signing via the electronic signature service; (ii) consenting to conduct business electronically concerning the transaction contemplated by the document; and (iii) agreeing to the use of electronic signatures for the document.

SOLO HEALTH COLLECTIVE EXPRESSLY DISCLAIMS ANY RESPONSIBILITY FOR ENSURING THAT DOCUMENTS WHICH ARE ELECTRONICALLY SIGNED VIA THE ELECTRONIC SIGNATURE SERVICE ARE VALID AND ENFORCEABLE UNDER ANY APPLICABLE LOCAL, STATE, FEDERAL, OR INTERNATIONAL LAW OF ANY JURISDICTION.

Warranty disclaimers

THE SITE, SERVICES, AND SOLO HEALTH COLLECTIVE CONTENT ARE PROVIDED "AS IS," WITHOUT WARRANTY OF ANY KIND MADE BY SOLO HEALTH COLLECTIVE. USER'S USE OF THE SITE, SERVICES, AND SOLO HEALTH COLLECTIVE CONTENT IS AT USER'S OWN RISK. TO THE MAXIMUM EXTENT PERMITTED BY LAW, SOLO HEALTH COLLECTIVE DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING ANY WARRANTIES OF FITNESS FOR A PARTICULAR PURPOSE, MERCHANTABILITY, DATA LOSS, AND NON-INFRINGEMENT. FURTHERMORE, SOLO HEALTH COLLECTIVE MAKES NO WARRANTIES REGARDING THE ACCURACY, RELIABILITY, TIMELINESS, TRUTHFULNESS, COMPLETENESS, OR QUALITY OF ANY INFORMATION OR SOLO HEALTH COLLECTIVE CONTENT IN OR LINKED TO THE SERVICES.

No professional advice

Any information provided by Solo Health Collective via the Site or otherwise is meant for informational purposes only and should not be interpreted as professional advice. User should consult a professional who is trained or licensed in the relevant area if User needs such assistance.

This includes any information or responses generated by the Solo AI Assistant available on the Site. The Solo AI Assistant provides general informational support only and does not provide medical, legal, financial, tax, or benefits advice. AI-generated responses are not a substitute for consultation with a qualified professional and may not reflect the most current plan terms. The Solo AI Assistant does not make member-specific eligibility, coverage, pricing, or claim determinations. For binding answers, refer to executed plan documents or contact Solo Concierge or Vault Admin Services directly. Use of the Solo AI Assistant is also subject to the terms set forth in the "Solo AI Assistant" section of these Terms.

Indemnity

User will indemnify and hold harmless Solo Health Collective and its officers, shareholders, employees, agents, directors, subsidiaries, affiliates, successors, assigns, service providers, and licensors (the "Indemnified Parties"), from and against any claims, disputes, demands, liabilities, damages, losses, costs, judgements, penalties, fines, and expenses (including, without limitation, reasonable legal and accounting fees) (collectively, the "Claims"), arising out of or in any way connected with (i) User's access to or use of the Site, Services, or Content; (ii) User's violation or alleged violation of these Terms; (iii) User's violation or alleged violation of any third party right; (iv) User's violation or alleged violation of any applicable law, rule, or regulation; (v) User's negligence, fraudulent activity, or willful misconduct; (vi) the company's or any other Indemnified Party's use of or reliance on information or data furnished by User, an employee or independent contractor of User, User's Account Administrator, or User's Authorized Representative in providing the Services, or otherwise in connection with these Terms; (vii) actions or activities that Solo Health Collective or any other Indemnified Party undertakes in connection with the Services or these Terms at the direct request or instruction of anyone reasonably believed to be User, an Account Administrator, or an Authorized Representative (each such action or activity, a "Requested Action"); (viii) the company's or any other Indemnified Party's use of or reliance on information or data resulting from such Requested Actions; or (ix) User's failure, or the failure of any Account Administrators or Authorized Representatives, to properly follow Solo Health Collective instructions with respect to the Services.

Limitation of liability

Solo Health Collective is not responsible or liable for (i) User content or anyone's reliance on User content; (ii) resulting errors or any consequences or claims directly or indirectly arising from resulting errors; (iii) any consequences or claims directly or indirectly resulting from User's delay in providing, or User's failure to provide, Solo Health Collective with information necessary for its provision of Services; (iv) User's violation of any applicable law, rule, or regulation; (v) unauthorized third-party actions taken in User's Account and any transactions, consequences, or claims arising therefrom; (vi) User's negligence or any negligence of User's account administrator or authorized representative; (vii) any circumstances or claims arising out of or related to a Third-Party Service's use of User's shared information; (viii) any requested actions, or any consequences or claims directly or indirectly resulting therefrom; or (ix) User's failure, or the failure of any Account Administrators or Authorized Representatives, to properly follow Solo Health Collective instructions with respect to the Services.

IN NO EVENT WILL SOLO HEALTH COLLECTIVE, ITS OFFICERS, SHAREHOLDERS, EMPLOYEES, AGENTS, DIRECTORS, SUBSIDIARIES, AFFILIATES, SUCCESSORS, ASSIGNS, SERVICE PROVIDERS, OR LICENSORS BE LIABLE FOR (1) ANY INDIRECT, SPECIAL, INCIDENTAL, PUNITIVE, EXEMPLARY, OR CONSEQUENTIAL DAMAGES; (2) ANY LOSS OF USE, DATA, BUSINESS, OR PROFITS (WHETHER DIRECT OR INDIRECT), IN ALL CASES ARISING OUT OF THE USE OF OR INABILITY TO USE THE SITE, SERVICES, OR CONTENT, REGARDLESS OF LEGAL THEORY, WITHOUT REGARD TO WHETHER SOLO HEALTH COLLECTIVE HAS BEEN WARNED OF THE POSSIBILITY OF THOSE DAMAGES, AND EVEN IF A REMEDY FAILS OF ITS ESSENTIAL PURPOSE.

Term; termination; suspension

The Services and these Terms will continue until terminated. Either Party may terminate the Services by giving the other party at least thirty (30) days' prior notice. For clarity, this notice provision applies to User's access to the Site and digital platform services only. The terms governing enrollment in, cancellation of, and termination from the Solo Health Collective self-funded health plan are set forth exclusively in the executed plan documents and are not governed by this section.

Solo Health Collective reserves the right to immediately suspend, restrict, or terminate User's Account or access to the Site or Services, for any reason at any time including but not limited to: (i) User's violation of these Terms; (ii) User's failure to pay the required fees when due; or (iii) User's breach of User's contractual obligations hereunder. Upon termination of any Services, User's right to access and use such Services will automatically terminate.

Changes to the Terms, site, or service

Solo Health Collective may modify the Terms at any time and at the company's sole discretion. If Solo Health Collective makes a material change to the Terms, Solo Health Collective will notify User via email. User's continued use of the Site or Services after such modifications will constitute User's acknowledgment of the modified Terms and agreement to be bound by its terms. Changes to the Terms are effective when they are posted. Because the Site and Services are evolving over time, Solo Health Collective may change or discontinue all or any part of the Site or Services at any time and without notice, at the company's sole discretion and without any liability.

Governing law; waiver of jury trial

These Terms shall be interpreted and construed in accordance with the laws of the State of New York, without regard to the conflicts of laws and principles thereof.

USER HEREBY WAIVES, TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, ANY RIGHT USER MAY HAVE TO A TRIAL BY JURY IN ANY LEGAL PROCEEDING DIRECTLY OR INDIRECTLY ARISING OUT OF OR RELATING TO THESE Terms OR THE SERVICES CONTEMPLATED HEREUNDER.

General

These Terms, including all applicable Service Terms, constitute the entire agreement between Solo Health Collective and User regarding the Site, Services, and Content and replace all prior understandings, communications, and agreements, oral or written, regarding this subject matter. These Terms may be modified only by a written amendment signed by the parties or as otherwise provided in the Changes section above. If any part of these Terms is deemed to be unenforceable or invalid, that section will be removed without affecting the remainder of the Terms and the remaining terms will be valid and enforceable.

Contact

Questions about these Terms may be sent to Solo Health Collective at:

Healthy Business Group / Solo Health Collective
Email: support@hbgnow.com
Phone: 646-328-6968
Website: hbgsolo.com