These policies apply to all interactions with our services, including (but not limited
to) website visits, form submissions, chat sessions, AI agent phone calls, scheduling tools, health and life insurance enrollment platform links, and any other platform or service connected to HolaQuantum.com.

I. Terms and Conditions

1. Acceptance of Terms
By accessing or using www.HolaQuantum.com (the “Site”), you agree to comply
with these Terms and Conditions (“Terms”). If you do not agree, do not use the
Site.

2. Modifications
We may update these Terms at any time. Updates will be posted on this page.
Continued use of the Site means you accept the revised Terms.

3. Privacy
Your use of this Site is also subject to our Privacy, Cookie and AI Policies, which
explain how we collect and use your data. Privacy, Cookie and AI Policies below.

4. Intellectual Property
All content on the Site (text, graphics, logos, tools, software) is the property of
QUANTUM ALLIANCE INC, USHX LLC, or its licensors. You may not use,
reproduce, or distribute our content without our written permission.

5. Third-Party Links
We are not responsible for content or services on third-party websites linked from
our Site. Use them at your own risk.

6. Disclaimer of Warranties
The Site and all content are provided “as is” and “as available.” We make no
guarantees about accuracy, security, uptime, or fitness for a specific purpose. Use is
at your own risk.

7. Limitation of Liability

To the fullest extent allowed by law, we are not liable for any damages arising from
your use or inability to use the Site. This includes direct, indirect, incidental, or
consequential damages.

8. Indemnification
You agree to indemnify and hold harmless QUANTUM ALLIANCE INC, USHX
LLC, and affiliates from any claims, losses, or liabilities related to your use of the
Site or violation of these Terms.

9. Prohibited Conduct
You may not use the Site for any unlawful, abusive, or harmful activity. We reserve
the right to terminate access if you violate these terms or interfere with the
experience of other users.

10. Service Availability
We may modify, suspend, or discontinue any part of the Site without notice. We are
not responsible for storing or preserving your submitted content.

11. Governing Law
These Terms are governed by the laws of the State of Florida, USA. Any legal
action must be brought in a court located in Miami-Dade County, Florida.
12. Severability

If any part of these Terms is found to be unenforceable, the remaining terms will
remain in effect.

13. No Waiver
Our failure to enforce any provision does not constitute a waiver of our rights.

14. Contact Information
For questions or concerns, contact us at: info@HolaQuantum.com or by mail at QUANTUM ALLIANCE INC, 700 Biltmore Way, Unit R3, Coral Gables, FL
33134.

II. Privacy Policy

1. Introduction
This Privacy Policy outlines how QUANTUM ALLIANCE INC and USHX LLC
(“we,” “us,” or “our”) collect, use, and protect your personal information when you
visit www.HolaQuantum.com (the “Site”). By using the Site, you consent to the
practices described below.

2. Information We Collect
This page outlines the policies governing how we collect, use, and protect personal
and technical information obtained through our website and related services. This
includes information gathered via online forms, live chat, AI-powered voice and
chat agents, call center interactions, scheduling tools, health and life insurance
enrollment platforms, and analytics/tracking technologies (including cookies and
browser/device metadata).
We collect personal information, which includes your name, contact details (email,
phone), date of birth, health-related information, and other identifiers required for
insurance-related services. We do not collect or process protected health
information (PHI) beyond what is necessary for quoting or enrollment.

We may collect the following types of information when you interact with our
website, AI-powered agents, or related services:

a. Personal Information – such as your name, email address, phone number,
mailing address, and other contact details you voluntarily provide via forms, chats,
calls, or partner integrations.

b. Interaction Content – including call recordings and transcripts from AI voice
agents, chat logs from AI or live support, offline message forms, and ticket
submissions.

c. Technical & Device Data – such as your IP address, browser type, browser
language, operating system, device type, referral URLs, and pages visited.

d. Engagement Data – including form submission details, appointment
bookings, link clicks, and responses to marketing emails or text messages.

e. Call Metadata – such as call duration, call outcome, and voicemail
recordings.

f. Tracking & Analytics Data – including cookie IDs, campaign source, and
advertising pixel data from services like Facebook or Google.

We collect this data directly from you, automatically through your interactions, and
from third-party partners integrated into our services.

3. How We Use Your Information
We may use the information we collect for purposes including:

a. To provide insurance quotes or application services, respond to inquiries,
send status updates, recommend additional services, and conduct customer service
or support follow-up communications.

b. To provide, operate, and improve our services across all communication
channels, including our website, chat platforms, AI agents, and telephone services.

c. To personalize your experience by using data from forms, calls, chats,
scheduling tools, and integrated services.

d. To communicate with you via email, SMS, phone, or in-platform messages,
including sending confirmations, reminders, updates, marketing, and transactional
notifications.

e. To analyze service usage and interactions through cookies, analytics, and
integrated platforms for performance, quality assurance, and training of AI
systems.

f. To comply with applicable laws, regulations, and industry compliance
requirements.

4. When We Share Your Information
We do not sell, rent, or trade your personal information to third parties. We may
share your information with:

a. licensed insurance agents, our customer representatives, or insurance carriers
to process your requests or application.

b. trusted service providers and integration partners who help us operate our
website, call center, AI agents, scheduling tools, CRM, and related services.

c. legal or regulatory entities if required by law.
These partners may include customer relationship management platforms, chat and
messaging services, call and telephony providers, health and life insurance
enrollment platforms, scheduling providers, automation and integration services,
and secure file management tools.

Shared information may include contact details, interaction history, call/chat
transcripts, scheduling information, and technical metadata necessary to provide
and improve our services.

5. Marketing Communications
You may receive emails or calls from us about related services or your application.
You can opt out of non-essential communications at any time by emailing
info@HolaQuantum.com or following unsubscribe instructions in our messages.

6. Anonymous Data & Cookies
We may collect non-identifying data (e.g., browser type, location, pages visited) to
improve user experience. This includes cookies, analytics tags, and web beacons.
You may disable cookies in your browser settings, but some site features may not
function properly. Your use of this Site is also subject to our Cookie Policy below.

7. Data Security
We implement reasonable industry-standard technical and organizational measures
to protect the personal information you provide to us from unauthorized access,
use, alteration, or disclosure. These measures may include encryption, secure data
transmission protocols, role-based access controls, and regular security reviews.
Our platform integrates with trusted third-party services, each of which maintains
its own security and compliance standards. While we take reasonable steps to
ensure our partners maintain adequate safeguards, no method of transmission over
the Internet or electronic storage is entirely secure.

You acknowledge and accept that we cannot guarantee absolute security of your
data, and that use of our services is at your own risk. You are responsible for
safeguarding your account credentials.

8. Data Retention
We will retain your personal information only for as long as is necessary for the
purposes set out in this policy. We will also retain and use your information to the
extent necessary to comply with our legal obligations, resolve disputes, and
enforce our agreements. Once retention periods expire, we securely delete or
anonymize personal information in accordance with industry best practices.

9. Your Choices & Access to Information
You may choose not to provide certain personal information; however, this may
limit your ability to access or fully use some of our services.
You can opt out of receiving promotional emails at any time by following the
unsubscribe instructions in the email or by contacting us directly. Opting out of
marketing communications will not affect the delivery of essential service-related
messages, such as appointment confirmations, enrollment updates, or compliance
notices.
You may also manage your cookie and tracking preferences through your browser
settings, our on-site cookie consent banner, or other preference management tools
we provide. Your choices will be honored in accordance with applicable laws and
our Privacy and Cookie Policies.
You can update your name, contact info, or password if any, by contacting us at
info@HolaQuantum.com or mail at: QUANTUM ALLIANCE INC, 700 Biltmore
Way, Unit R3, Coral Gables, FL 33134.

9. Changes to This Privacy Policy
We may update this Privacy Policy. Material changes will be posted on this page
and, if significant, sent to you via email. Continued use of the Site means you
accept any changes.

10. Third-Party Links & Ad Networks

Our website and communications may contain links to third-party websites and
platforms, including but not limited to online forms, live chat, AI-powered voice
and chat agents, call center interactions, scheduling tools, health and life insurance
enrollment platforms, automation and integration services, social media pages, and partner resources.
Please be aware that when you click on such links, you may be redirected to a
website or service that is not operated by us. These third parties may collect and
process your information according to their own privacy policies, which may differ
from ours.
We are not responsible for the content, security, or privacy practices of these
external sites. We encourage you to review the privacy policies of any website or
service you visit through links provided on our platform. We may partner with
advertising providers who use cookies to show personalized ads.

III. Cookie Policy

1. Introduction
This Cookie Policy explains how QUANTUM ALLIANCE INC and USHX LLC
(“we,” “us,” or “our”) use cookies and similar technologies on
www.HolaQuantum.com (“Site”). Cookies help us deliver a tailored experience
and analyze site performance. By continuing to browse the Site, you agree to our
use of cookies, unless you disable them.

2. What Cookies We Use
We use the following cookie categories:
a. Strictly Necessary Cookies – Required for basic site functionality (e.g.,
navigation, security).

b. Performance Cookies – Help us understand how users interact with the site (e.g.,
page visits, bounce rates).

c. Functionality Cookies – Allow us to remember user choices (e.g., language
preference).

d. Targeting Cookies – Track browsing behavior to personalize ads and content.
We may share this data with third-party advertising networks.

3. Third-Party Cookies
Some cookies on our site are placed by third-party service providers (e.g., analytics
platforms or ad networks). These third parties may use cookies for tracking or
advertising purposes. We do not control these cookies, and their use is subject to
their own privacy and cookie policies.

4. How to Control or Block Cookies
You may control or block cookies through your browser settings. You can choose
to block all or some cookies. Please note: Blocking essential cookies may affect
your experience on the site or prevent certain features from working properly. For
more information, visit www.allaboutcookies.org.

5. Cookie Lifespan
Cookies may be session-based (expire when you close your browser) or persistent
(remain until a set expiration date or until you delete them manually). We review
cookie usage regularly to ensure data retention is appropriate and privacy-
conscious.

IV. AI Use Policy

1. Purpose
This policy ensures responsible, secure, and compliant use of Artificial Intelligence
(AI) in support of insurance sales, enrollment, and client service activities. It
applies to all employees, agents, contractors, and third-party partners.

2. Scope of AI Use
AI systems may assist in, but never replace human oversight for, tasks such as:

a. Quoting and enrollment support.

b. Customer service interactions via telephone, web chat, or messaging.

c. Appointment scheduling and reminders.

d. Document storage, retrieval, and secure sharing.

e. Administrative support such as email drafting, calendaring, and basic task
automation.

AI must not make final determinations regarding eligibility, underwriting, or
subsidy amounts, if any; only licensed insurance agents may perform these
functions.

2. Approved AI Platforms
Only AI platforms that have been reviewed and approved by our technology and
compliance teams may be used. Approval is based on:

a. Security and compliance readiness.

b. Alignment with federal and state insurance regulations.

c. Compatibility with internal processes and data protection standards.

3. Acceptable Use
AI platforms may be used for:

a. Gathering non-HIPAA personal contact information for follow-ups.

b. Providing general plan and service information.

c. Drafting initial versions of communications for human review.

d. Logging and summarizing calls, chats, or other client interactions.

e. Managing appointment confirmations, reminders, and cancellations.

4. Prohibited Use
AI platforms must not be used for:

a. Processing or storing Protected Health Information (PHI) in systems that are not
HIPAA-compliant.
– Sending final client communications without human review and approval.
– Misrepresenting AI-generated content as official, licensed advice.
– Personal activities or non-business purposes during work hours.

5. Data Security & Privacy

b. All AI use must comply with applicable laws, HIPAA requirements, and
company data protection policies.

c. Sensitive information, including SSNs and medical records, may only be
handled through secure, compliant systems.

d. Customer and agent data must be stored and transmitted securely, with access
restricted to authorized personnel.

6. Human Oversight & Compliance
All AI-assisted outputs must be reviewed by a licensed agent before being shared
with clients. AI systems may identify returning customers using approved
metadata, but must confirm identity before discussing account-specific details. All
scripts, marketing messages, and outbound calls must comply with regulatory
standards.

7. Reporting Issues
Any instance of inaccurate, biased, or non-compliant AI output must be reported
immediately to the designated compliance or technology contact.

8. Training & Awareness
All personnel must complete AI compliance training before using AI tools.
Ongoing training will be provided as AI capabilities and regulations evolve.

9. Policy Review
This policy will be reviewed and updated at least once every six months, or sooner
if regulatory or operational changes occur.