Effective Date: January 1st, 2025

Welcome to Variation Visions ("Company," "we," "our," or "us"). These Terms and Conditions ("Terms") govern your access to and use of our website, ourvariation.com (the "Website"), and any services, content, or communications provided through it. By accessing or using this Website, you agree to be bound by these Terms. If you do not agree, please do not use the Website.

1. No Insurance Coverage Guarantee

Information provided on this Website is for general informational purposes only and does not constitute an offer, solicitation, or guarantee of insurance coverage. All insurance products are subject to underwriting approval, policy terms, conditions, limitations, and exclusions as determined by the issuing insurance carrier.

2. Use of the Website

You agree to use this Website only for lawful purposes and in accordance with these Terms. You may not:

• Use the Website in any way that violates applicable laws or regulations
• Attempt to gain unauthorized access to the Website, servers, or systems
• Use automated tools (bots, scrapers, etc.) without prior written consent
• Upload or transmit malicious code, viruses, or harmful material

3. Accuracy of Information

You agree that all information you submit through the Website is accurate, complete, and current. Providing false or misleading information may result in denial of services or termination of access.

4. Communications Consent

By submitting your information through the Website, you expressly consent to be contacted by Variation Visions, its agents, or authorized partners via:

• Phone calls (including prerecorded or automated calls)
• Text messages (SMS/MMS)
• Emails

Communications may be for marketing, informational, or service-related purposes. Message and data rates may apply. You may opt out at any time by following the unsubscribe or opt-out instructions provided.

5. No Professional Advice

Content on this Website does not constitute legal, tax, or financial advice. You should consult appropriate professionals regarding your individual situation before making insurance or financial decisions.

6. Intellectual Property

All content on this Website, including text, graphics, logos, trademarks, images, and software, is the property of Variation Visions or its licensors and is protected by intellectual property laws. You may not reproduce, distribute, modify, or create derivative works without prior written consent.

7. Third-Party Links and Services

The Website may contain links to third-party websites or services. We do not control and are not responsible for their content, availability, or privacy practices. Accessing third-party sites is at your own risk.

8. Disclaimer of Warranties

This Website is provided on an "as-is" and "as-available" basis. We make no warranties, express or implied, regarding the Website’s operation, accuracy, reliability, or availability.

9. Limitation of Liability

To the fullest extent permitted by law, Variation Visions shall not be liable for any indirect, incidental, consequential, or punitive damages arising out of or related to your use of the Website or services.

10. Indemnification

You agree to indemnify, defend, and hold harmless Variation Visions, its owners, agents, employees, and affiliates from any claims, damages, losses, or expenses arising from your violation of these Terms or misuse of the Website.

11. Termination

We reserve the right to suspend or terminate your access to the Website at any time, without notice, for conduct that violates these Terms or is otherwise harmful to our business or users.

12. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the state in which Variation Visions is licensed and primarily operates, without regard to conflict-of-law principles.

13. Changes to These Terms

We may update these Terms at any time. Changes will be effective upon posting on the Website. Your continued use of the Website constitutes acceptance of the revised Terms.

14. Contact Information

If you have questions regarding these Terms and Conditions, please contact:

Variation Visions
Website: https://ourvariation.com
Email: info@ourvariation.com
Phone: 1 (800) 470-6730

These Terms and Conditions are provided for general informational purposes and do not constitute legal advice. You should consult legal counsel to ensure compliance with applicable insurance and consumer protection laws.

Client Portal Terms & California/Texas Regulatory Addendum

Effective Date: January 1st, 2025

This Client Portal Terms & Addendum ("Addendum") supplements the Terms and Conditions, Privacy Policy, HIPAA & GLBA Privacy Acknowledgement, and E-Sign & Electronic Consent Disclosure of Variation Visions ("Company," "we," "our," or "us"). It applies to users accessing carrier portals, client dashboards, or account login features made available through ourvariation.com (the "Website").

1. Carrier Portals and Client Account Access

Variation Visions may provide access or links to insurance carrier portals or client account dashboards that allow policyholders to:

• View policy details
• Check application or underwriting status
• Review premium and billing information
• Download policy documents
• Submit service requests

Carrier portals are operated by third-party insurance carriers. Variation Visions does not control carrier systems and is not responsible for their availability, accuracy, or functionality.

2. User Responsibilities

By accessing a client or carrier portal, you agree to:

• Maintain the confidentiality of your login credentials
• Notify us immediately of any unauthorized access
• Access only your own policy information
• Use portal features solely for lawful insurance-related purposes

You are responsible for all activity conducted through your login credentials.

3. Electronic Records and Communications

By using a portal or login feature, you reaffirm your consent to:

• Receive electronic records and disclosures
• Use electronic signatures where applicable
• Conduct insurance transactions electronically

This consent is governed by our E-Sign & Electronic Consent Disclosure.

4. Data Security and Privacy

Access to portals may involve sensitive personal, financial, and health information. Such data is protected in accordance with:

• HIPAA (for protected health information)
• GLBA (for nonpublic personal financial information)
• Applicable state privacy laws

We require carriers and technology providers to maintain reasonable security safeguards; however, no system can be guaranteed to be completely secure.

5. California Privacy Notice (CCPA/CPRA)

For residents of California, Variation Visions complies with the California Consumer Privacy Act (CCPA) and the California Privacy Rights Act (CPRA).

California Consumer Rights

California residents have the right to:

• Know what personal information is collected and how it is used
• Request access to or deletion of personal information
• Correct inaccurate personal information
• Opt out of the sale or sharing of personal information (we do not sell personal data)
• Limit the use of sensitive personal information

Requests may be submitted using the contact information below. We will verify requests in accordance with applicable law.

6. Texas Privacy and Insurance Compliance

For Texas residents, Variation Visions complies with applicable Texas insurance regulations and privacy laws, including requirements governing:

• Consumer data protection
• Confidential handling of insurance and financial information
• Fair business and marketing practices

Personal information collected from Texas residents is used solely for lawful insurance purposes and is not shared except as permitted by law.

7. Availability and Modifications

We reserve the right to modify, suspend, or discontinue portal access or features at any time, with or without notice, including changes required by carrier systems or regulatory obligations.

8. Limitation of Liability

To the fullest extent permitted by law, Variation Visions shall not be liable for damages arising from:

• Portal downtime or system errors
• Carrier system failures
• Unauthorized access caused by user credential compromise

9. Contact Information

For questions regarding portal access, privacy rights, or this Addendum, contact:

Variation Visions
Website: https://ourvariation.com
Email: info@ourvariation.com
Phone: 1 (800) 470-6730

This Addendum is provided for informational purposes and does not constitute legal advice. Consult legal counsel to ensure compliance with California, Texas, and federal insurance and privacy laws.