This website is operated by Bahroz Hussain (NPN: 21408130), doing business as BAH LLC, located at 184 Cambridge Cir, Longmeadow, MA 01106. By using this website, you agree to these Terms, our Privacy Policy, and any notices provided. If you do not agree, please do not use the site.

1. Nature of Services

We are an independent insurance agency and do not underwrite insurance policies. The site provides information about insurance options and connects users with licensed agents. Final policy decisions are made solely by insurance carriers. Do not cancel existing coverage until you receive written confirmation from your new carrier.

2. Authorization to Contact

By providing your contact information, you authorize us to contact you about insurance via calls, texts, or emails (which may use automated technology). Consent is not a requirement for purchase. You may revoke consent at any time via reply, unsubscribe, or contacting us directly. Calls may be monitored or recorded.

3. Information Submission and Use

You agree that any information you submit is accurate. Submitting false data is prohibited. We may store and use your information to provide services, comply with regulations, and communicate with you.

4. No Endorsement or Guarantee

We do not endorse or guarantee any carrier or plan. Carriers are solely responsible for quotes, underwriting, communications, and claims. All decisions are at the discretion of the insurance provider.

5. Website Availability and Conduct

We may update or suspend website functionality at any time. You agree not to provide false info, impersonate others, interfere with the website, or post illegal/harmful content. We may revoke access for violations.

6. Third-Party Links

We may link to external websites for convenience. We do not control or endorse third-party sites and are not responsible for their content, products, or services.

7. Limitation of Liability

We are not liable for any indirect, incidental, or consequential damages related to use of this site. Maximum liability shall not exceed $10,000.

8. Disclaimer of Warranties

All services and content are provided "AS IS" with no warranties of any kind, including merchantability, fitness for a particular purpose, or accuracy. We do not guarantee security of any transmitted data.

9. Indemnification

You agree to indemnify and hold harmless Bahroz Hussain (BAH LLC), its agents, contractors, and partners from any claims or damages arising from your use of the site or violation of these terms.

10. Jurisdiction

These Terms are governed by the laws of the Commonwealth of Massachusetts. Any legal disputes will be resolved in courts located in Massachusetts.

11. Privacy

Please refer to our Privacy Policy for details on how your data is collected, used, and protected.

12. Contact

For any questions about these terms, please contact:
BAH LLC
184 Cambridge Cir, Longmeadow, MA 01106
Email: bahinitiatives@gmail.com
Phone: (413) 847-1568