Terms and Conditions
1. Acceptance of Terms
Welcome to Apex Solutions Hub LLC (“Apex,” “we,” “us,” or “our”). These Terms and Conditions (“Terms”) govern your access to and use of our website, www.apexsolutionshub.com, including the content, functionality, forms, and services offered through the website (collectively, the “Platform”).
By accessing or using the Platform, you acknowledge that you have read and agree to these Terms and our Privacy Policy. If you do not agree with these Terms, please discontinue use of the Platform.
2. Description of Services and Platform Role
Apex Solutions Hub operates an online consumer information and connection platform. We help consumers who submit inquiries connect with participating independent third-party service providers that may be able to assist with the products or services requested.
These providers may include licensed insurance professionals, insurance agencies, disability advocacy firms and professionals, and other service providers (collectively, “Third-Party Providers”).
Our services may facilitate connections relating to Affordable Care Act (ACA) health insurance, Medicare solutions, Final Expense insurance, Social Security Disability assistance, and other products or services.
Apex Solutions Hub provides a connection and introductory service only and does not directly provide the underlying insurance, disability advocacy, legal, or other professional services.
3. Important Disclosures
Not an Insurance Provider: Apex Solutions Hub is not an insurance carrier or underwriter and does not issue insurance policies, determine coverage eligibility, or set insurance premiums. Any insurance products or services are provided by independent licensed insurance professionals or agencies.
Not a Law Firm or Disability Advocacy Provider: Apex Solutions Hub is not a law firm or disability advocacy firm and does not provide legal advice, disability advocacy, or representation. Any evaluation, advocacy, legal advice, or representation is provided directly by the independent Third-Party Provider.
No Government Affiliation: Apex Solutions Hub is a private, independent company and is not affiliated with, endorsed by, or connected with the Social Security Administration, Medicare, the U.S. Department of Health and Human Services, or any other government agency.
No Guarantee of Results: Apex Solutions Hub does not guarantee eligibility, approval, benefits, coverage, premiums, savings, or any particular outcome from services offered by Third-Party Providers.
4. Consumer Consent and Communications
Where applicable and subject to the specific consent language presented on the applicable form, Apex Solutions Hub LLC may contact you by telephone or email regarding your inquiry.
Participating Third-Party Providers may contact you only where appropriate consent or other lawful authorization has been obtained.
SMS Communications
If you separately consent to receive text messages from Apex Solutions Hub LLC, Apex may send you first-party customer-care text messages relating to your inquiry or your interactions with Apex.
SMS messages from Apex may include:
• Acknowledgment or confirmation of an inquiry submitted to Apex
• Responses to customer questions
• Follow-up regarding an existing inquiry
• Requests to confirm information
• Customer-service information
• Updates relating to an existing inquiry or interaction with Apex
Apex does not use its SMS program to send third-party advertising, affiliate promotions, purchased-lead solicitations, unsolicited promotional messages, or marketing messages on behalf of participating Third-Party Providers.
Message Frequency: Message frequency varies depending on your inquiry and communications with us.
Message and Data Rates: Message and data rates may apply according to your mobile carrier and service plan.
Opt-Out: You may stop receiving SMS messages from Apex at any time by replying STOP. After opting out, you may receive a confirmation that your request has been processed.
Help: For assistance, reply HELP or contact Apex using the contact information provided below.
Consent Is Optional: Consent to receive SMS communications from Apex Solutions Hub LLC is not a condition of purchasing any goods or services or submitting an inquiry.
No Sharing of SMS Consent: No mobile information will be shared with third parties or affiliates for marketing or promotional purposes. Text messaging originator opt-in data and consent will not be shared with any third parties for their marketing or promotional purposes.
SMS consent is specific to Apex Solutions Hub LLC and is not transferred to participating Third-Party Providers.
If a participating Third-Party Provider wishes to send you text messages, that provider is responsible for obtaining any consent required for its own SMS communications.
5. Third-Party Relationships
Apex Solutions Hub facilitates connections between consumers and independent Third-Party Providers. Third-Party Providers are separate businesses or professionals and are not employees or agents of Apex Solutions Hub unless expressly stated otherwise.
Any insurance, disability advocacy, legal, financial, or other professional service is provided directly by the applicable Third-Party Provider.
The provider is responsible for determining whether it can assist you, explaining its services and terms, and complying with applicable licensing and professional requirements.
Apex Solutions Hub does not control the professional services provided by Third-Party Providers and does not guarantee their services or the outcome of any application, claim, policy, representation, or other engagement.
Consumers should review the terms, qualifications, and disclosures of a provider before engaging its services.
6. Acceptable Use
You agree to use the Platform only for lawful purposes and in accordance with these Terms.
You agree not to:
• Submit false, fictitious, fraudulent, or materially misleading information.
• Impersonate another person or entity.
• Use automated systems, bots, scrapers, spiders, or similar technologies to extract information from the Platform without authorization.
• Attempt to gain unauthorized access to, interfere with, damage, or disrupt the Platform, servers, databases, or systems connected to the Platform.
• Introduce viruses, malware, malicious code, or other technologically harmful material.
• Use the Platform for any unlawful, fraudulent, abusive, or unauthorized purpose.
7. Intellectual Property Rights
The content, features, functionality, text, graphics, logos, designs, and other materials available through the Platform are owned by Apex Solutions Hub, its licensors, or other applicable rights holders and may be protected by intellectual property laws.
You may not reproduce, distribute, modify, create derivative works from, publicly display, commercially exploit, or otherwise use protected materials from the Platform without prior authorization, except as permitted by applicable law.
8. Disclaimer of Warranties
To the extent permitted by applicable law, the Platform is provided on an “as is” and “as available” basis.
Apex Solutions Hub does not guarantee that the Platform will always be available, uninterrupted, error-free, or free from harmful components.
Apex Solutions Hub makes no warranty or guarantee regarding eligibility, approval, benefits, insurance coverage, premiums, savings, advocacy results, or any other outcome associated with services provided by Third-Party Providers.
9. Limitation of Liability
To the maximum extent permitted by applicable law, Apex Solutions Hub will not be liable for indirect, incidental, special, consequential, or punitive damages arising from or relating to use of the Platform.
Apex Solutions Hub is not responsible for the independent acts, omissions, advice, representations, services, or decisions of Third-Party Providers.
Nothing in these Terms excludes or limits liability that cannot lawfully be excluded or limited.
10. Indemnification
To the extent permitted by applicable law, you agree to indemnify and hold harmless Apex Solutions Hub and its officers, employees, and agents from claims, liabilities, losses, or expenses arising from your unlawful use of the Platform or material violation of these Terms.
11. Privacy
Your use of the Platform is also subject to our Privacy Policy.
Our Privacy Policy explains how Apex Solutions Hub may collect, use, disclose, retain, and protect information provided through the Platform, including information submitted for the purpose of facilitating a connection with a participating Third-Party Provider.
Where a form contains specific privacy, consent, or communication disclosures, those disclosures apply to the information submitted through that form.
SMS consent and mobile opt-in information are governed by the SMS provisions in these Terms and our Privacy Policy and are not transferred to participating Third-Party Providers.
12. Changes to These Terms
We may update these Terms from time to time to reflect changes to our services, business practices, technology, or legal and regulatory requirements.
Updated Terms will be posted on the Platform and will become effective as provided by applicable law. We encourage users to review these Terms periodically.
13. Governing Law and Severability
These Terms shall be governed by and construed in accordance with applicable law and the laws of the state governing Apex Solutions Hub, without regard to conflict-of-law principles, except where otherwise required by applicable law.
If any provision of these Terms is determined to be invalid, illegal, or unenforceable, that provision will be limited or removed to the minimum extent necessary, and the remaining provisions will continue in effect.
14. Contact Information
If you have questions regarding these Terms and Conditions or require assistance with communications from Apex Solutions Hub LLC, please contact:
Apex Solutions Hub LLC
8 The Green, Ste A
Dover, DE 19901
United States
Website: www.apexsolutionshub.com
Email: support@apexsolutionshub.com
Main Line: +1 (509) 255-7077
Customer & SMS Support: +1 (509) 253-9835
For assistance with SMS communications, reply HELP to an SMS message or contact us at support@apexsolutionshub.com.
To opt out of SMS communications, reply STOP.
Last Updated: October 2, 2026