HK  INSURANCE

Terms of Service

Last updated: June 4, 2026

Terms of Service

By using hkshield.com, you agree to these terms. If you do not agree, please do not use the site.

Informational Purpose

The content on this site is for general informational purposes only and is not a contract, an offer of coverage, or insurance advice for your specific situation. Insurance products, availability, rates, and benefits vary by state, carrier, and individual eligibility, and are subject to underwriting approval and change. Coverage is only bound when issued in writing by an insurance carrier and the policy is in force.

No Guarantee

While I work to keep information accurate and current, I make no warranties regarding completeness or accuracy. Plan details should always be confirmed against official carrier and government sources before you make a decision.

Independent Agent Status

Humam Khan | HK Insurance is a licensed independent insurance agency (NPN 21747250). We are not connected with or endorsed by the United States government or the federal Medicare program. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.

SMS / Text Messaging

By providing your phone number and opting in, you consent to receive calls and text messages from Humam Khan | HK Insurance about insurance products, quotes, appointments, and related service updates.

Consent is not a condition of purchase. Message and data rates may apply. Message frequency varies. Reply STOP at any time to unsubscribe, or HELP for assistance. Carriers are not liable for delayed or undelivered messages. Full details on how your information is handled are in the Privacy Policy.

Limitation of Liability

To the fullest extent permitted by law, I am not liable for any indirect, incidental, or consequential damages arising from your use of this site or reliance on its content. Your use of the site is at your own risk.

Governing Law

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

Changes to These Terms

I may update these Terms and the Privacy Policy from time to time. The "last updated" date above reflects the most recent revision. Continued use of the site means you accept the current version.

Contact

Questions about these terms? Reach out anytime:

Humam Khan | HK Insurance
Cleveland, Ohio
Phone: (614) 295-9485
Email: [email protected]
Licensed Insurance Agent · NPN 21747250

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