Terms of Service

Terms of Service

Last Updated: February 4, 2026

Welcome to HengSheng. These Terms of Service ("Terms") govern your use of the HengSheng website and platform (the "Website") operated by HumanSmart Group Inc. ("Company", "we", "us"). By using the Website, you agree to these Terms.

1. Eligibility

You must be at least 18 years old and a licensed insurance agent or authorized representative to use this Website. By registering, you confirm that you meet these requirements and that all information provided is accurate.

2. Account Registration

  • You are responsible for maintaining the confidentiality of your account credentials.
  • You are responsible for all activities that occur under your account.
  • You must notify us immediately of any unauthorized use of your account.
  • We reserve the right to suspend or terminate accounts that violate these Terms.

3. Permitted Use

The Website is designed to assist insurance agents with:

  • AI-powered marketing content generation
  • Marketing poster creation and distribution
  • Team management and performance tracking
  • Lead management and client communication tools
  • Professional development resources

4. Prohibited Conduct

You agree NOT to:

  • Use the Website for any unlawful purpose or in violation of insurance regulations
  • Misrepresent AI-generated content as guaranteed outcomes
  • Share your account credentials with unauthorized persons
  • Use the Website to make misleading or non-compliant insurance claims
  • Attempt to reverse-engineer, decompile, or hack the Website
  • Violate any applicable insurance industry regulations or compliance requirements
  • Use automated scripts or bots to access the Website without permission

5. AI-Powered Features

The Website uses artificial intelligence to provide content generation and analytics. Please note:

  • AI suggestions are for reference only and do not constitute professional advice
  • You are responsible for verifying the accuracy and compliance of any AI-generated content before using it
  • AI model outputs may occasionally be inaccurate or inappropriate; use professional judgment
  • Generated marketing materials should be reviewed for compliance with local regulations

6. Intellectual Property

  • The Website, its features, and content are owned by HumanSmart Group Inc.
  • Marketing materials generated through the Website may be used by you for business purposes
  • You retain ownership of your personal data and client information
  • You may not copy, modify, or distribute the Website or its proprietary content

7. Disclaimer of Warranties

THE WEBSITE IS PROVIDED "AS IS" WITHOUT WARRANTIES OF ANY KIND. WE DO NOT GUARANTEE:

  • Uninterrupted or error-free service
  • Accuracy of AI-generated content or suggestions
  • Specific sales outcomes or performance improvements
  • Compatibility with all browsers or devices

8. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, HUMANSMART GROUP INC. SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, OR CONSEQUENTIAL DAMAGES ARISING FROM YOUR USE OF THE WEBSITE, INCLUDING BUT NOT LIMITED TO LOST PROFITS, LOST SALES, OR REGULATORY PENALTIES.

9. Compliance

You agree to:

  • Comply with all applicable insurance industry laws and regulations
  • Follow your state's insurance department guidelines
  • Not use the Website in a way that violates compliance requirements
  • Report any compliance concerns to your supervisor and our support team

10. Termination

We may terminate or suspend your access at any time, with or without cause. Upon termination, your right to use the Website ceases immediately. Data deletion requests can be submitted via our Data Deletion page.

11. Changes to Terms

We reserve the right to modify these Terms at any time. Material changes will be communicated through the Website or via email. Continued use after changes constitutes acceptance of the updated Terms.

12. Governing Law

These Terms are governed by the laws of the State of California, United States, without regard to conflict of law principles.

13. Contact Us

For questions about these Terms: