Terms & Conditions

Effective Date: June 8, 2026 Last Updated: June 8, 2026

Welcome to the website of Hughes Cornerstone Insurance (together, “Company,” “we,” “us,” or “our”). Please read our Terms and Conditions of Website Use (“Terms and Conditions”) carefully before using our website. These Terms and Conditions set forth the legally binding terms and conditions that govern your access to and use of this website, and all of the pages embedded in this website under the hughescornerstone.com domain (collectively, the “Site”) and its contents, including text, graphics, logos, downloadable materials, programs, data, information, services, and all other materials (collectively, the “Content”).

Information about how we use and process any personal information we collect or that you send us can be found at our Privacy Policy (the “Privacy Policy”).

By using the Site, you accept these Terms and Conditions and our Privacy Policy, which may be updated by us at any time. If we update these Terms and Conditions or our Privacy Policy, we will post the updated documents on our Site. Any such changes will be effective upon posting. If you do not agree to any provision of these Terms and Conditions or our Privacy Policy for any reason, you should not use this Site. Your continued use of the Site, including any such modifications thereto, shall constitute your acceptance of these Terms and Conditions and our Privacy Policy, as modified. Your limited right to use the Site is subject to your agreement to abide by these Terms and Conditions, as well as any other laws, procedures, or policies that govern any portion of the Site. We may revoke or suspend your right to use all or any portion of the Site at any time, for any reason.

If you have any questions or comments about these Terms and Conditions, you can e-mail us at neil@hughesci.com.

Permitted Uses of Our Site and Content

All Content on our Site is the property of Company or others, and is protected by copyright and other intellectual property laws. We have listed below the permitted uses of our Content by you. We reserve the right to change your permitted uses at any time, as well as to change the Site or delete content or features in any way, at any time, and for any or no reason.

You may not extract, copy, or download substantial portions of the Content, such as by a bot, artificial intelligence, webcrawler, scraper, spider, or other device that “harvests” portions of the Site. Any copies of our Site pages must not remove any copyright, trademark, or other proprietary notices or other legends. You may not alter or modify the Content in your copies in any way.

You may use and print minimal copies of our Content solely for your personal, non-commercial purposes. Unless you receive our permission in advance, you may not make more than minimal copies of our Content, exploit any of our Content commercially, forward it as a mass distribution, or post it on another Site.

If you seek permission for any such use of this Site, please contact us at the e-mail or mailing address listed above.

Submissions

If the Site allows you to submit your own content of any kind (each a “Submission”) to us or the Site, any such Submission (including portions thereof, graphics contained thereon, or any of the content of the Submission) shall remain your property, but you grant us a royalty-free, fully paid, worldwide, perpetual, irrevocable, non-exclusive, freely sublicensable and transferable license to use, copy, modify, store, publish, display and otherwise exploit the Submission and any portion thereof for any purpose (including commercial use), without further permission, and without additional consideration of any kind. By making a Submission, you represent and warrant that you have the right to make such Submission including that you have received consents or other permissions from any applicable third parties and data subjects. We can refuse a Submission (or any portion of a Submission) for any reason at any time.

Investment and Securities Information

The information provided on the Site, in related materials, and in any documents or communications distributed by the Company or its affiliates is for informational purposes only. Neither the Site not any of the Content constitutes an offer or solicitation to sell shares or securities in the Company or any related or associated entity. Any such offer or solicitation, if any, will be made solely through a confidential offering memorandum or similar formal investment documentation, in strict accordance with the terms of all applicable securities laws and regulations.

No Content, information, statements or analyses presented on the Site or in Company materials are intended to form the basis of any investment decision, nor do they constitute investment advice, recommendations, or counsel. Such material and/or information does not constitute or form part of, and should not be construed as, any offer for sale or subscription, or any invitation to offer to buy or subscribe for any securities, nor should it or any part of it form the basis of, or be relied upon in connection with, any contract or commitment of any kind.

In addition, no action has been or will be taken to permit an offering of securities in any state where action would be required for that purpose. In considering any prior performance information presented on this Site, bear in mind that past performance does not indicate future results, and that there can be no assurance that comparable results will be achieved by the Company or its affiliates. Moreover, any such past performance information is subject to, and should be reviewed in light of the assumptions accompanying that information.

All information contained herein (including the Content) is provided “as is,” and the Company and its affiliates expressly disclaim making any express or implied warranties with respect to the fitness of the information contained herein for any particular usage, its merchantability or its application or purpose. The Company and its affiliates expressly disclaim any and all liability for any direct or consequential loss or damage arising directly or indirectly from (i) reliance on any information provided herein (including the Content) or in related materials, (ii) any error, omission, or inaccuracy in such information (including the Content), or (iii) any action taken or decision made based on such information (including the Content).

Prohibited Uses of Our Site and Content

The Company has the right (but not the obligation) to monitor this Site for any unauthorized or objectionable conduct and to take all appropriate actions in response, without notice to you. You may not display this Site as “framed” within another website. You may not (and may not encourage others to) violate any law, regulation, rule, or the intellectual property, privacy or publicity, or contractual rights of others, or attempt to violate the security of this Site or use or gain access to the identities, personal information, or computers of others, through this Site. You may not provide untruthful or inaccurate information, misrepresent your identity, or conduct any other fraudulent activities on this Site. You may not send through this Site any materials or communications that are unlawful or defamatory, indecent, harassing, or otherwise objectionable in our sole discretion; transmit any virus, worm, time bomb or similar system interference or corruptant through this Site; or use this Site to engage in any other unauthorized or unwelcome online conduct.

You also agree that you will not take any action that imposes an unreasonable or disproportionally large load on this Site’s infrastructure or use any device or computer software to interfere with or attempt to decipher, decompile, disassemble or reverse engineer any of the software comprising, available through, or in any way making up a part of this Site.

We may, without prior notice or warning of any kind, restrict or terminate the access of any or all users to the Site for any reason, including if we conclude that such restriction or termination is necessary to prevent, or prevent the further spread of, a virus, security breach, or system malfunction of any kind.

We reserve the right to change or supplement our policies as to prohibited uses at any time.

Ownership of Content

The Content (including trademarks, service marks, and logos) displayed on this Site are service marks and trademarks of Company or third parties. You may not use any of the Content in any manner that creates the impression that such Content belongs to or is associated with you or your affiliates or is used with Company’s consent. Nothing on this Site shall be interpreted as granting any license or right to use any Content except as expressly permitted in these Terms and Conditions.

Links To and From Other Websites

This Site may contain links to, or may be linked from, other websites that are not maintained by us. Company does not endorse, have any responsibility for, or make any representations about any other websites, including their products and services, content, communications, and website use policies. Company expressly disclaims any responsibility for your access to or use of such other websites. You should review the terms and conditions and privacy policies of any other website that you visit.

Indemnification

As a condition of your use of the Site, you agree to indemnify and hold Company and its employees, agents, and representatives harmless from and against any and all claims, losses, liability, costs, and expenses (including, but not limited to, attorney’s fees or other legal expenses) incurred or arising from your use of the Site, any Submission you provide, or your violation of these Terms and Conditions.

Limitations of Liability

Company will not be responsible or liable for any damages or injury, including but not limited to direct, indirect, special or consequential damages, that result from the use of (or the inability to use) this Site and its Contents, or a website linked to this Site, including any damages or injury caused by any failure of performance, error, omission, interruption, defect, delay in operation, computer virus, line failure, or other computer malfunction.

DISCLAIMER

THIS SITE IS PROVIDED BY COMPANY ON AN “AS IS” AND “AS AVAILABLE” BASIS. COMPANY DOES NOT MAKE AND HEREBY DISCLAIMS ANY EXPRESS OR IMPLIED WARRANTIES, REPRESENTATIONS, OR ENDORSEMENTS WHATSOEVER, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR WARRANTIES OF TITLE OR NON-INFRINGEMENT, AS TO THE OPERATION OF THIS SITE OR THE INFORMATION INCLUDED ON THIS SITE. COMPANY DOES NOT WARRANT THAT THE INFORMATION IN THIS SITE IS ACCURATE, RELIABLE, OR CORRECT; THAT THIS SITE WILL BE AVAILABLE AT ANY PARTICULAR TIME OR LOCATION; OR THAT THIS SITE IS FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. YOUR USE OF THIS SITE AND RELIANCE UPON ANY OF THE CONTENTS OF THIS SITE IS SOLELY AT YOUR OWN RISK.

International Use

The Company makes no claims that this site is appropriate or lawful for use or access outside the United States. Access to this site from countries or territories where such access is illegal is prohibited. If you access this Site from outside the United States, you do so at your own risk. You are solely responsible for complying with all local laws, rules, and regulations regarding online conduct and website access.

Governing Law and Forum

The laws of the State of New York govern these Terms and Conditions. Any dispute relating to these Terms and Conditions or your use of the Site shall be resolved solely in the state or federal courts located in New York City. You agree to waive trial by jury in any such action.

Miscellaneous

Any failure or delay by us in enforcing an obligation or exercising a right under these Terms and Conditions does not amount to a waiver of that obligation or right or any other obligation or right. If any term or provision of these Terms and Conditions is deemed illegal or invalid for any reason, such term or provision will be enforced to the maximum extent permitted by law, and, in any event, any such illegality or invalidity shall not affect the validity of the remainder of these Terms and Conditions.