Terms of Service

Effective Date: July 30, 2026

These Terms of Service (“Terms”) govern your access to and use of the website located at www.cfhic.com (the “Site”), operated by CFH Insurance Consultants, LLC (“CFH,” “we,” “us,” or “our”). By accessing or using the Site, you agree to be bound by these Terms. If you do not agree to these Terms, please do not use the Site.

1. About CFH

CFH Insurance Consultants, LLC is an independent employee benefits consulting firm providing services including, but not limited to, carrier analysis, renewal strategy, plan design consulting, and related advisory services to employer groups. CFH maintains offices in Michigan, Colorado, and Texas.

2. Use of the Site

You may use the Site for lawful purposes only. You agree not to:

• Use the Site in any way that violates applicable federal, state, or local law or regulation;
• Attempt to gain unauthorized access to any portion of the Site, other accounts, or computer systems connected to the Site;
• Interfere with or disrupt the operation of the Site or servers or networks connected to the Site;
• Use any automated means, including bots, scrapers, or spiders, to access the Site without our prior written consent;
• Reproduce, duplicate, copy, sell, resell, or exploit any portion of the Site without express written permission from CFH.

3. No Professional, Legal, Tax, or Medical Advice

Content on the Site — including carrier comparisons, plan analyses, benchmarking data, articles, and any other materials — is provided for general informational purposes only and does not constitute legal, tax, accounting, medical, or financial advice. Insurance and benefits decisions should be made in consultation with a licensed professional and in reference to the applicable plan documents, policies, and governing contracts. Nothing on the Site creates a client relationship, and no content should be relied upon as a substitute for a signed engagement, proposal, or binding quote issued directly by CFH or the applicable insurance carrier.

4. Intellectual Property

All content on the Site, including text, graphics, logos, images, analyses, reports, and software, is the property of CFH Insurance Consultants, LLC or its licensors and is protected by United States and international copyright, trademark, and other intellectual property laws. You may view and download content for personal, non-commercial use only. No other use, including reproduction, modification, distribution, or republication, is permitted without our prior written consent.

5. Client Materials and Confidentiality

Any documents, analyses, census data, or other materials shared between CFH and a client or prospective client in connection with services described on the Site are subject to the confidentiality terms of the applicable engagement agreement or professional services contract between the parties, and not solely to these Terms.

6. Third-Party Links

The Site may contain links to third-party websites, including insurance carriers, benefits platforms, or industry resources. These links are provided for convenience only. CFH does not control and is not responsible for the content, accuracy, or practices of any third-party site, and inclusion of a link does not imply endorsement.

7. Disclaimer of Warranties

The Site and all content are provided “as is” and “as available,” without warranties of any kind, either express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, non-infringement, or accuracy of content. CFH does not warrant that the Site will be uninterrupted, secure, or error-free.

8. Limitation of Liability

To the fullest extent permitted by law, CFH Insurance Consultants, LLC, its partners, employees, and affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or data, arising out of or related to your use of, or inability to use, the Site, even if advised of the possibility of such damages. Nothing in these Terms limits liability for matters that cannot be limited or excluded under applicable law.

9. Indemnification

You agree to indemnify and hold harmless CFH Insurance Consultants, LLC and its partners, employees, and affiliates from any claims, damages, losses, liabilities, and expenses (including reasonable attorneys’ fees) arising out of your use of the Site or violation of these Terms.

10. Governing Law

These Terms are governed by and construed in accordance with the laws of the State of Michigan, without regard to its conflict of law principles. Any disputes arising under these Terms shall be subject to the exclusive jurisdiction of the state and federal courts located in Michigan.

11. Changes to These Terms

CFH may revise these Terms at any time by updating this page. Continued use of the Site after changes are posted constitutes acceptance of the revised Terms. We encourage you to review this page periodically.

12. Termination

CFH reserves the right to suspend or terminate your access to the Site at any time, without notice, for conduct that violates these Terms or is otherwise harmful to other users, third parties, or CFH’s business interests.

13. Contact Us

Questions about these Terms may be directed to: