Effective Date: May 24, 2025
These Terms and Conditions (“Terms”) govern your access to and use of the OptimalLivingHub.net website (the “Site”), mobile programs, services, alerts, and communications provided by OptimalLivingHub.net ("Company", "we", "our", or "us"). By accessing or using the Site or opting in to our communication programs, you accept these Terms in full. If you do not agree to these Terms, you should not use the Site or any associated services.
By visiting OptimalLivingHub.net, submitting your information, signing up for alerts, or otherwise using our services, you confirm that you are at least 18 years of age, legally competent to enter into a binding agreement, and agree to comply with these Terms and all applicable laws and regulations.
OptimalLivingHub.net provides digital content and informational services related to financial wellness, auto insurance, and mortgage solutions. Our offerings may include articles, newsletters, promotional alerts, text messages, and email communications.
We reserve the right to modify, suspend, or discontinue any aspect of the Site or its offerings at any time, with or without notice.
As a user, you agree not to:
Misrepresent your identity or provide false information
Interfere with the Site’s operation or security
Attempt unauthorized access to any part of the Site
Use the Site or services for unlawful or fraudulent purposes
You are responsible for maintaining the confidentiality of your personal information and for all activity conducted through your account or contact method.
By opting in to receive mobile alerts from OptimalLivingHub.net, you agree to the following terms related to SMS communications:
Message Frequency: You may receive up to five (5) messages per month.
Message and Data Rates: Standard message and data rates may apply depending on your mobile service provider.
Help and Support: To receive assistance, reply HELP to any message. You may also email us at info@OptimalLivingHub.net or call us at (855) 534-8381.
Opt-Out: You may opt out of our SMS program at any time by replying STOP, QUIT, END, CANCEL, or UNSUBSCRIBE to any message. Upon receiving your opt-out request, you will no longer receive further messages unless you opt in again.
Privacy Assurance: No mobile information will be shared or sold with third parties or affiliates for marketing or promotional purposes. We do not imply or express that you have granted permission to anyone outside of OptimalLivingHub.net.
By participating in our SMS/text message program, you certify that you are the account holder or authorized user of the mobile number provided.
All content on OptimalLivingHub.net, including text, graphics, logos, images, and software, is the exclusive property of the Company and is protected by U.S. and international copyright, trademark, and other intellectual property laws.
You may not reproduce, distribute, transmit, display, or create derivative works from any content on the Site without our prior written consent.
All content and services on the Site are provided on an “as-is” and “as-available” basis. We make no warranties or representations, express or implied, regarding:
The accuracy or reliability of the information provided
The uninterrupted or error-free operation of the Site
The suitability of the information for your specific needs
Use of the Site is at your own risk. You are solely responsible for any decisions made based on the information provided.
To the fullest extent permitted by law, OptimalLivingHub.net and its affiliates, partners, employees, and agents shall not be liable for any damages arising out of or related to:
Use or inability to use the Site or services
Errors or omissions in content
Delays or interruptions in delivery
Loss or disclosure of your personal information
Our total liability, whether in contract, tort, or otherwise, shall not exceed $100. Some jurisdictions do not allow limitations on certain damages, so these exclusions may not apply to you.
Our Site may contain links to third-party websites or services. We do not control, endorse, or assume responsibility for any content, policies, or practices of third-party sites. Your interactions with such sites are governed by their respective terms and policies.
We take your privacy seriously. Please review our full Privacy Policy and Mobile Privacy Policy for detailed information on how we collect, use, and protect your personal data.
Your use of our services constitutes acceptance of these practices, including:
Data collection through online forms and mobile messages
Communication via email or SMS, as authorized
Use of secure third-party tools for delivering services and analytics
We reserve the right to terminate or suspend your access to the Site and related services at our discretion, with or without notice, for any reason including violation of these Terms.
Upon termination, any remaining provisions, including intellectual property, disclaimers, and limitations of liability, shall survive.
These Terms shall be governed and interpreted in accordance with the laws of the State of Arkansas, without regard to conflict of law principles. Any disputes arising from these Terms or the use of the Site shall be resolved exclusively in the state or federal courts located in Benton County, Arkansas.
We reserve the right to update or modify these Terms at any time. Changes will be effective immediately upon posting on this page, with the revised “Effective Date” noted above. Your continued use of the Site after changes are posted constitutes your acceptance of the revised Terms.
If you have any questions about these Terms and Conditions, please contact us:
OptimalLivingHub.net
📍 412 Town Center East #1020
Bella Vista, AR 72714
📞 (855) 534-8381
📧 info@OptimalLivingHub.net
