Terms of Service

Effective Date: March 17, 2026

These Terms of Service ("Terms") govern your access to and use of the website hbzholdings.com (the "Site") operated by HBZ Holdings, LLC ("HBZ Holdings," "we," "us," or "our"), a Florida limited liability company. By accessing or using the Site, you agree to be bound by these Terms.

1. Acceptance of Terms

By accessing this Site, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy. If you do not agree to these Terms, you must not access or use the Site.

2. Use of the Site

You agree to use the Site only for lawful purposes and in accordance with these Terms. You agree not to:

• Use the Site in any way that violates any applicable federal, state, local, or international law or regulation
• Attempt to gain unauthorized access to any portion of the Site, or any systems or networks connected to the Site
• Use the Site to transmit any advertising or promotional material without our prior written consent
• Use any automated means to access the Site or collect any information from the Site
• Introduce any viruses, trojans, worms, or other harmful material to the Site

3. Intellectual Property

The Site and its entire contents, features, and functionality (including but not limited to all information, text, displays, graphics, and the design, selection, and arrangement thereof) are owned by HBZ Holdings, its licensors, or other providers and are protected by United States and international copyright, trademark, patent, trade secret, and other intellectual property or proprietary rights laws.

The HBZ Holdings name, logo, and all related names, logos, product and service names, designs, and slogans are trademarks of HBZ Holdings or its affiliates. You must not use such marks without our prior written permission.

4. Disclaimer of Warranties

THE SITE IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT ANY WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED. HBZ HOLDINGS DISCLAIMS ALL WARRANTIES, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

We do not warrant that the Site will be uninterrupted, timely, secure, or error-free, or that any defects will be corrected. We make no warranties or representations about the accuracy or completeness of the Site's content.

5. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL HBZ HOLDINGS, ITS AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, OR LICENSORS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES, RESULTING FROM:

• Your access to or use of (or inability to access or use) the Site
• Any conduct or content of any third party on the Site
• Any content obtained from the Site
• Unauthorized access, use, or alteration of your transmissions or content

6. Indemnification

You agree to defend, indemnify, and hold harmless HBZ Holdings, its affiliates, licensors, and service providers, and its and their respective officers, directors, employees, contractors, agents, licensors, suppliers, successors, and assigns from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising out of or relating to your violation of these Terms or your use of the Site.

7. Third-Party Links

The Site may contain links to third-party websites or services that are not owned or controlled by HBZ Holdings. We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party websites or services. You acknowledge and agree that HBZ Holdings shall not be responsible or liable for any damage or loss caused by or in connection with the use of any such content, goods, or services available through any such websites or services.

8. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Florida, without regard to its conflict of law provisions. Any legal action or proceeding arising under these Terms shall be brought exclusively in the federal or state courts located in Pinellas County, Florida, and you consent to the personal jurisdiction of such courts.

9. Changes to Terms

We reserve the right to modify or replace these Terms at any time at our sole discretion. If a revision is material, we will provide at least 30 days' notice prior to any new terms taking effect. Your continued use of the Site after any changes constitutes acceptance of the new Terms.

10. Severability

If any provision of these Terms is held to be unenforceable or invalid, such provision will be changed and interpreted to accomplish the objectives of such provision to the greatest extent possible under applicable law, and the remaining provisions will continue in full force and effect.

11. Entire Agreement

These Terms, together with our Privacy Policy, constitute the sole and entire agreement between you and HBZ Holdings regarding the Site and supersede all prior and contemporaneous understandings, agreements, representations, and warranties.

12. Contact Us

If you have questions about these Terms of Service, please contact us:

HBZ Holdings, LLC
7901 4th St N STE 300
St. Petersburg, FL 33702
info@hbzholdings.com