1. Acceptance of Terms

By accessing or using the website and services of Sardi Group LLC ("Company," "we," "us," or "our"), you agree to be bound by these Terms and Conditions, all applicable laws and regulations, and agree that you are responsible for compliance with any applicable local laws. If you do not agree with any of these terms, you are prohibited from using or accessing this site and our services. These Terms and Conditions constitute a legally binding agreement between you and Sardi Group LLC.

2. Services Provided

Sardi Group LLC specializes in providing professional insurance services within the United States, specifically covering:

• Health Insurance
• Life Insurance
• Accident Insurance
• Supplemental Health Insurance
• Group Health Insurance for Small Businesses

Our services include consultation, policy selection, and support related to these insurance types. We strive to connect clients with suitable insurance products and provide accurate information.

3. Agent Conduct and Responsibility

Sardi Group LLC operates with the highest standards of professionalism and adherence to legal and ethical guidelines. While we endeavor to ensure all agents associated with our services comply with state and federal regulations, Sardi Group LLC is not responsible for the individual misconduct or negligent practices of agents who fail to adhere to the standards and regulations imposed by the state and federal authorities. We will, however, act in accordance with the law and impose sanctions as required by law in any such cases brought to our attention. Our commitment is to uphold the integrity of the insurance profession and protect our clients' interests within the bounds of the law.

4. Online Courses and Subscriptions

In the near future, Sardi Group LLC plans to offer online courses and classes ("Online Courses") through our website. These courses will be subject to monthly subscription fees. By subscribing to our Online Courses, you agree to pay the specified monthly fees and abide by the terms governing such subscriptions.

4.1. Refund Policy for Online Courses

In the event of a legitimate claim or dissatisfaction directly attributable to the content or delivery of our Online Courses, Sardi Group LLC commits to amicably refunding up to three (3) months of the fees paid by a client for their subscription on our platform. All refund requests will be reviewed on a case-by-case basis and must be submitted in writing to info@sardigroup.org.

5. Intellectual Property

All content, materials, courses, designs, logos, text, graphics, images, and other intellectual property displayed or made available on the Sardi Group LLC website and through our services, including but not limited to our Online Courses, are the exclusive property of Sardi Group LLC. This content is protected by United States and international copyright laws, trademark laws, and other intellectual property laws.

You are expressly prohibited from copying, reproducing, distributing, publishing, displaying, performing, modifying, creating derivative works from, transmitting, or in any way exploiting any part of our content, whether in whole or in part, by any means now known or hereafter developed, without the express prior written permission of Sardi Group LLC. Unauthorized use, reproduction, or distribution of our intellectual property will result in legal action to the fullest extent permitted by law to safeguard our interests and rights.

6. Disclaimer of Warranties

Our services and website are provided on an "as is" and "as available" basis. Sardi Group LLC makes no warranties, expressed or implied, and hereby disclaims and negates all other warranties, including without limitation, implied warranties or conditions of merchantability, fitness for a particular purpose, or non-infringement of intellectual property or other violation of rights. Further, Sardi Group LLC does not warrant or make any representations concerning the accuracy, likely results, or reliability of the use of the materials on its website or otherwise relating to such materials or on any sites linked to this site.

7. Limitation of Liability

In no event shall Sardi Group LLC or its suppliers be liable for any damages (including, without limitation, damages for loss of data or profit, or due to business interruption) arising out of the use or inability to use the materials on Sardi Group LLC's website, even if Sardi Group LLC or a Sardi Group LLC authorized representative has been notified orally or in writing of the possibility of such damage. Because some jurisdictions do not allow limitations on implied warranties, or limitations of liability for consequential or incidental damages, these limitations may not apply to you.

8. Indemnification

You agree to indemnify, defend, and hold harmless Sardi Group LLC, its officers, directors, employees, agents, licensors, and suppliers from and against all losses, expenses, damages, and costs, including reasonable attorneys' fees, resulting from any violation of these Terms and Conditions or any activity related to your account (including negligent or wrongful conduct) by you or any other person accessing the website using your Internet account.

9. Governing Law and Dispute Resolution

These Terms and Conditions shall be governed by and construed in accordance with the laws of the State of Tennessee, United States of America, without regard to its conflict of law provisions.

9.1. Informal Resolution

In the event of any dispute, claim, or controversy arising out of or relating to these Terms and Conditions, the breach thereof, or the use of our services, the parties agree to first attempt to resolve the dispute informally through good faith negotiations. You agree to contact Sardi Group LLC at info@sardigroup.org to initiate this process.

9.2. Arbitration or Litigation

If the dispute cannot be resolved informally within a reasonable period (not to exceed sixty (60) days), either party may elect to resolve the dispute through binding arbitration or by litigation in the appropriate courts located in Tennessee, USA. Any arbitration will be conducted in accordance with the rules of the American Arbitration Association (AAA) or a mutually agreed-upon arbitration service. You agree that any legal action or proceeding between Sardi Group LLC and you for any purpose concerning these Terms and Conditions or the parties' obligations hereunder shall be brought exclusively in a federal or state court of competent jurisdiction sitting in Tennessee, USA.

10. Contact Information

If you have any questions about these Terms and Conditions, please contact us:

• Company Name: Sardi Group LLC
• Email: info@sardigroup.org
• Phone: +16152089016

11. Changes to Terms and Conditions

Sardi Group LLC reserves the right, at its sole discretion, to modify or replace these Terms and Conditions at any time. If a revision is material, we will provide at least 30 days' notice prior to any new terms taking effect. What constitutes a material change will be determined at our sole discretion. By continuing to access or use our services after those revisions become effective, you agree to be bound by the revised terms. If you do not agree to the new terms, please stop using the services.

12. Severability

If any provision of these Terms and Conditions is found to be unenforceable or invalid under any applicable law, such unenforceability or invalidity shall not render these Terms and Conditions unenforceable or invalid as a whole, and such provisions shall be deleted without affecting the remaining provisions herein.

13. Entire Agreement

These Terms and Conditions constitute the entire agreement between Sardi Group LLC and you in relation to your use of this website and services, and supersede all prior agreements and understandings.