Terms and Conditions

Effective Date: 16 January 2026
Last Updated: 16 January 2026

1. Introduction

Welcome to your company’s Hub. The Hub is developed and maintained by O’Eme, LLC, a Delaware limited liability company (“O’Eme,” “we,” “us,” or “our”), under agreement with your employer and/or their benefits broker (collectively, the “Client”).
By accessing or using this Hub, you agree to be bound by these Terms and Conditions (“Terms”). If you do not agree, please discontinue use of the Hub.
The Hub is designed as a central point of access for benefits education, awareness, and support, and may include informational videos, EMODs, interactive tools, and links to secure enrollment platforms. It is not an enrollment or data-collection system.

2. Informational Purpose Only

All materials, videos, and tools provided through the Hub are for informational and educational purposes only.

The benefit details presented are provided and approved by your employer or their benefits broker.
O’Eme does not provide legal, financial, or professional benefits advice.
For all official or binding benefit information, please refer to your company’s supporting plan documents, summary plan descriptions (SPDs), or contact your employer’s HR or benefits administrator.

3. Accuracy of Information

O’Eme works in partnership with the Client to ensure materials are accurate and up to date. However, O’Eme does not warrant or guarantee that the information contained on this Hub is error-free, complete, or current.
The supporting plan documents provided by your employer or broker are the source of truth for all plan terms, eligibility, coverage levels, and costs.
Neither O’Eme nor the Client shall be liable for any reliance on Hub content or for any decisions made based on this information.

4. AI Assistant (“Sherp”)

The Hub may include access to a virtual The Hub may include access to a virtual assistant (“Sherp”) powered by artificial intelligence to support general benefits education and navigation.
By accessing or interacting with Sherp, you acknowledge and agree to the following:

Educational Purpose Only
Sherp is provided solely for informational and educational purposes. It is designed to help users better understand benefit concepts, plan structures, and common healthcare navigation topics.
Sherp does not provide:

Medical advice
Legal, financial, or tax advice
Clinical recommendations or diagnoses
Plan selection or enrollment recommendations

No Plan or Coverage Determinations
Sherp does not determine eligibility, confirm coverage, or interpret plan provisions beyond general summaries.
It does not guarantee costs, claims outcomes, provider network status, or benefit availability.
All benefit decisions must be made by the user and verified through official plan documents, including Summary Plan Descriptions (SPDs), Summary of Benefits and Coverage (SBCs), or directly with the employer, broker, or carrier.

User Responsibility and Verification
You are solely responsible for reviewing official benefit materials and confirming all information prior to making any decisions related to healthcare or benefits.
Information provided by Sherp may be generalized, incomplete, or not specific to your individual circumstances.

AI Limitations
Sherp utilizes artificial intelligence technologies that may generate responses based on patterns in data.
As such:

Responses may be inaccurate, incomplete, or out of context
Outputs are not guaranteed to be error-free
O’Eme does not warrant the accuracy, completeness, or applicability of any AI-generated response

Use of Sherp is at your own discretion and risk.

Prohibited and Improper Use
You agree not to use Sherp:

To seek or rely on medical or clinical guidance
To obtain definitive plan selection or enrollment advice
To attempt to manipulate, override, or extract responses outside of intended use
To input false, misleading, or inappropriate information
For any unlawful, abusive, or adversarial purpose

Any attempt to intentionally misuse or test the boundaries of Sherp’s intended function is a violation of these Terms.

Escalation and Human Support
Sherp may direct users to official resources or recommend contacting HR, a broker, or a carrier for further assistance.
Sherp may also facilitate escalation of inquiries where appropriate.
Sherp is not a substitute for licensed professionals or employer-sponsored support channels.

Acceptance of Use
Use of the Sherp chat functionality constitutes acceptance of these Terms and Conditions.
If you do not agree, you should not engage with the chat feature. (“Sherp”) powered by artificial intelligence to assist with general benefits education and navigation.

5. Third-Party Links and Enrollment Platforms

The Hub may contain links or redirects (“Enroll Here” or similar) to external websites, including benefit enrollment platforms and insurance carrier portals.

O’Eme does not control, operate, or endorse these third-party sites and is not responsible for their content, accuracy, or security practices.
When you click on an external link, you are subject to that third party’s privacy policy and terms of use. Please review those policies before providing any personal or confidential information.

6. Intellectual Property

The Hub incorporates both client-specific branding and O’Eme-produced materials.

Client Ownership: All client logos, trademarks, and proprietary images remain the property of the respective employer or broker.

O’Eme Ownership: All videos, EMODs, AI tools, written scripts, and web framework remain the exclusive property of O’Eme, LLC and are protected by copyright and intellectual property law.
Users may not copy, download, modify, distribute, or reuse any O’Eme materials without prior written consent.
©2026 O’Eme, LLC. All rights reserved.

7. Acceptable Use

By using this Hub, you agree not to:

Copy, reproduce, or distribute videos, graphics, or text without authorization;
Attempt to access or alter any part of the Hub other than for its intended purpose;
Use automated systems, scripts, or bots to extract or interact with Hub content;
Introduce malware, viruses, or interfere with Hub performance.

O’Eme reserves the right to suspend or restrict access in the event of misuse or violation of these Terms.

8. Privacy and Data Handling

This Hub does not collect, store, or transmit personal or confidential information. All enrollment and data-sharing activities occur exclusively on your employer’s designated secure enrollment platform.
For information about how O’Eme handles non-personal analytics data, please refer to the O’Eme Privacy Policy available at https://oeme.io/privacy.

9. Limitation of Liability

To the fullest extent permitted by law:

O’Eme and the Client shall not be liable for any indirect, incidental, consequential, or special damages arising from your use of this Hub or reliance on its content.
O’Eme’s total aggregate liability, if any, shall not exceed the amount paid (if any) for access to this Hub.
O’Eme and the Client make no warranties as to uninterrupted or error-free operation of the Hub.

10. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Delaware, without regard to its conflict of laws principles. Any dispute arising out of or relating to these Terms shall be subject to the exclusive jurisdiction of the state or federal courts located in Delaware.

11. Modifications

O’Eme may update or modify these Terms at any time. The “Last Updated” date at the top of this page reflects the latest revision. Continued use of the Hub constitutes acceptance of the updated Terms.

12. Contact Information

For questions or concerns regarding this Hub or these Terms, please contact: