Data Agrigation for Small legacy Businesses

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A & H Holdings – Terms of Service for Data Sales

Last Updated: July 15, 2025

By accessing or purchasing data from A & H Holdings ("A & H," "we," "us," or "our"), you ("Customer") agree to these Terms of Service ("Terms"). If you do not agree, do not use our services. These Terms govern your use of any data, files, services, or materials provided by A & H Holdings.

A & H Holdings is a U.S.-based data broker selling aggregated health claims and underwriting data for Self funded health plans. We may expand to additional data types and sources in the future. All data is delivered in CvS file format.

Only licensed entities operating in the United States may access our data. Approved customers include insurers, reinsurers, TPAs, consultants, academic institutions, and researchers. All customers must undergo a vetting process and sign an NDA. A & H Holdings reserves the right to refuse service for any reason.

Customers are granted a non-transferable, internal-use license to access the data for one calendar year. Additional quarterly updates are available for purchase; each update extends access by one quarter. Customers must cease all use and delete all data upon license expiration, unless extended.

Data may only be used internally by the licensed customer for lawful business purposes. Customers may not:

• Resell, sublicense, or transfer the data
• Share data with affiliates or third parties without written permission
• Publish, export, or make data publicly accessible
• Use data for personal or non-business use

Use of A & H data is strictly prohibited for:

• Credit, lending, or insurance eligibility decisions
• Employment, housing, or benefit screening
• Patient diagnosis or medical decision-making
• Any regulated or high-risk decision processes
• Any unlawful or unethical purpose

Customers must implement commercially reasonable safeguards, including:

• Access controls and authentication
• Encryption at rest and in transit where feasible
• Secure storage on U.S.-based servers only
• Prompt notification of any breaches or unauthorized access

You may not reverse engineer, re-identify, or attempt to reconstruct source data or individuals from any part of the dataset.

Data is delivered digitally in CBS format. No uptime guarantees or SLAs are provided. Data access is as-available, with reasonable effort to ensure timely delivery.

A & H Holdings may terminate access without notice for violations of these Terms, misuse of data, or non-payment. No refunds will be provided if termination is due to breach.

Upon expiration of the license, customers must:

• Cease all access and use
• Delete all copies of the data, including backups
• Certify deletion upon request

All rights, titles, and interest in the data and delivery formats remain the sole property of A & H Holdings. No ownership is transferred.

We may update these Terms with 30 days' notice. Continued use after 30 days constitutes acceptance. Failure to agree may result in termination.

You agree to indemnify and hold harmless A & H Holdings and its affiliates against any claims, damages, or liabilities arising from your use of the data, including misuse, violations of law, or breach of these Terms.

A & H Holdings disclaims all warranties and shall not be liable for any indirect, incidental, special, or consequential damages. Direct liability is limited to the amount paid in the 12 months preceding the claim.

All data is provided "as-is" and "as-available" without warranties of any kind, including accuracy, completeness, merchantability, or fitness for a particular purpose.

These Terms are governed by the laws of the State of Kansas. All disputes shall be resolved in Johnson County, Kansas. A & H Holdings may require binding arbitration at the customer’s expense.

Customers may not assign or transfer this agreement without written permission. A & H Holdings may assign to a successor entity in the event of a merger, acquisition, or bankruptcy.

Customers may not use A & H Holdings’ and or its subsidiaries or affiliates name, brand, or likeness in marketing, reports, or communications without prior written consent.

Sections regarding confidentiality, data restrictions, indemnification, intellectual property, limitations of liability, and governing law will survive expiration or termination of these Terms.

Neither party is liable for delay or failure due to causes beyond reasonable control, including natural disasters, cyberattacks, acts of war, or government actions.

A & H Holdings
8853 SUNSET DR
Lenexa, KS 66220
Email: Admin@ahholdings.com
Phone: (252) 242-1985

By accessing or using our services, you agree to be bound by these Terms of Service.