Terms and Conditions

About

Hug Enterprises Ltd is registered in England and Wales under company number 13904880 with a registered office at Dalton House, 35 Chester Street, Wrexham, LL13 8AH, United Kingdom.

Introduction

Welcome to Hug Enterprises (“we,” “us,” or “our”). By accessing or using our website at https://hug.enterprises (“Website”), you agree to comply with and be bound by these Terms and Conditions (“Terms”). Please read them carefully.

IF YOU DO NOT AGREE WITH THESE TERMS, YOU MUST NOT USE HUG OUR WEBSITE.

1. Acceptance of Terms

By accessing or using our Website, you acknowledge that you have read, understood, and agreed to these Terms and any related policies referenced herein, including our Privacy Policy.

2. Services Provided

Hug Enterprises provides services related to employee benefits, personal finance education, and financial products (collectively, “Services”). The specific details of the Services will be outlined in agreements between Hug Enterprises, employers, and/or individual users.

We do not guarantee financial outcomes, and all educational materials or services are for informational purposes only.

3. User Obligations

When using our Website, you agree to:

• Provide accurate and complete information.
• Use the Website and Services only for lawful purposes.
• Not engage in any conduct that disrupts or damages the Website or its functionality.

4. Intellectual Property

All content on our Website, including but not limited to text, graphics, logos, and software, is the property of Hug Enterprises or its licensors and is protected by intellectual property laws. Unauthorized use is strictly prohibited.

5. Membership Terms

If you access benefits through a Hug membership scheme, the following additional terms apply:

• Your membership level and specific benefits will be outlined in your membership agreement.
• Benefits may vary based on your membership tier.
• Membership fees, if applicable, will be billed according to your agreement.

6. Employer-Sponsored Benefits

If accessing benefits provided through your employer, the following additional terms apply:

• The terms of your benefits are governed by your employment agreement or employer's contract with Hug Enterprises.
• Hug Enterprises is not responsible for disputes between you and your employer regarding benefits.

7. Pricing Information

The pricing section on our Website provides indicative prices for the Services offered. These prices are subject to change and may vary depending on the specific requirements, customizations, or additional services requested by the user.

By using the pricing information on our Website, you acknowledge and agree that:

• Final pricing will be confirmed only after a detailed discussion of your requirements and the tailoring of your package.
• Hug Enterprises reserves the right to modify the indicative prices without prior notice, but changes will not affect pricing for Services already agreed upon in writing.
• It is your responsibility to review the final price and Service details before entering into any agreement.

8. Accessing the My Benefits Platform

The "My Benefits" button on our Website allows users to access employee benefits provided through their employer or a Hug membership scheme. By using this feature, you acknowledge and agree that:

Employer-Sponsored Benefits

If accessing benefits provided through your employer, the terms and conditions governing the use of these benefits will be outlined in your employment contract or your employer’s benefits agreement with Hug Enterprises. Hug Enterprises is not responsible for any discrepancies, changes, or disputes arising from employer-sponsored benefit terms.

Hug Membership Benefits

If accessing benefits through a Hug membership scheme, the terms of your Hug membership agreement will apply. Specific benefits and terms may vary depending on your membership level and will be detailed in your membership documentation.

General Access

Access to the "My Benefits" platform requires you to provide accurate login details and maintain the confidentiality of your account. You are responsible for all activity under your account. Unauthorized use of the platform is prohibited, and Hug Enterprises reserves the right to suspend or terminate access for violations of these Terms.

Limitation of Liability

Hug Enterprises acts as a facilitator of employee benefits and is not responsible for the availability, quality, or fulfillment of benefits provided by third parties or employers. All disputes related to employer-sponsored benefits should be addressed directly with your employer.

User Responsibilities

• You are responsible for maintaining the confidentiality of your login credentials.
• You are responsible for maintaining accurate personal information when using or purchasing goods or services.
• Unauthorized use of the platform is prohibited and may result in suspension of access.

9. Insurance Quote Calculator

The insurance quote calculator on our Website:

• Provides results that are strictly indicative and for informational purposes only.
• Uses industry-standard algorithms but does not guarantee the accuracy or applicability of the results to your specific circumstances.
• Should not be considered as a final insurance offer, guarantee of coverage, or financial advice.
• Requires you to verify any quotes or results directly with our representatives or the applicable insurance providers.

By using the insurance quote calculator, you acknowledge and agree that:

• Hug Enterprises is not liable for any decisions you make based on the results.
• You understand that additional information may be required to provide a formal insurance offer or assessment.

9. Third-Party Links and Services

Our Website may contain links to third-party websites or services. We are not responsible for the content or practices of these third parties. Use these services at your own risk and review their terms and conditions.

10. Limitation of Liability

To the fullest extent permitted by law:

• Hug Enterprises shall not be liable for any indirect, incidental, or consequential damages resulting from your use of the Website or Services.
• Hug Enterprises does not guarantee uninterrupted or error-free operation of the Website.

11. Disclaimer of Warranties

The Website and Services are provided “as is” without any warranties, express or implied. We disclaim all warranties, including but not limited to merchantability, fitness for a particular purpose, and non-infringement.

12. Governing Law

These Terms are governed by and construed in accordance with the laws of the United Kingdom. Any disputes arising from these Terms or your use of the Website shall be subject to the exclusive jurisdiction of the courts of England and Wales.

11. Termination

We reserve the right to terminate or suspend your access to the Website or Services at our discretion, without notice, for any violation of these Terms or applicable laws.

12. Modification of Terms

We may update these Terms from time to time. Any changes will be effective immediately upon posting on our Website. Continued use of the Website after changes signifies your acceptance of the revised Terms.

Contact Us

For questions about these Terms, please contact us at:

Email: hello@hug.enterprises

Address: Hug Enterprises, Dalton House, 35 Chester Street, Wrexham, LL13 8AH