Last Updated: October 2026
These Terms of Service (“Terms”) govern your access to and use of the HYBRID websites, digital platforms, tools, forms, content, and services (collectively, the “Platform”). By accessing or using the Platform, you agree to be bound by these Terms and represent that you are at least eighteen (18) years of age.
If you do not agree to these Terms, you must discontinue use of the Platform immediately.
1. About HYBRID
HYBRID (“Hybrid Gulf Solutions,” “The Hybrid,” “we,” “our,” or “us”) provides a multi‑vertical suite of services including:
- Financial consulting
- Life insurance & investment guidance
- Legal protection plan enrollment
- Real estate referral partnerships (domestic & international)
- Business funding & capital access
- Small‑business compliance tools
- Automotive sales consulting
- Digital resources, educational materials, and lead‑generation tools
- Travel Consulting
- Brand Sponsored Advertising
HYBRID is not a lender, insurer, attorney, real estate broker, financial institution, or property manager. HYBRID does not guarantee approvals, funding outcomes, investment performance, legal results, or real estate transactions.
2. Platform Purpose
The Platform is an informational and advertising resource designed to help users explore HYBRID’s services, submit inquiries, request consultations, and access educational materials.
HYBRID does not:
- Broker real estate transactions
- Provide legal representation
- Offer tax or accounting services
- Guarantee funding approvals
- Act as a fiduciary
- Provide investment advice requiring licensure
- Act as a debt collector
- Process rental applications or screen tenants
Any third‑party services accessed through the Platform are governed by their respective terms and policies.
3. User Responsibilities
By using the Platform, you agree:
- To provide accurate, truthful information
- Not to misrepresent your identity or intentions
- Not to submit fraudulent, misleading, or harmful content
- Not to use the Platform for illegal or abusive activities
- Not to attempt unauthorized access, scraping, or data extraction
- Not to use HYBRID content for commercial purposes without written consent
You are solely responsible for any information you submit through HYBRID forms, applications, or communication channels.
4. Intellectual Property
All content on the Platform — including text, branding, graphics, logos, educational materials, videos, and digital assets — is owned by HYBRID or its licensors and protected by copyright, trademark, and other intellectual property laws.
You may not:
- Copy, reproduce, distribute, or modify HYBRID content
- Use HYBRID branding without permission
- Create derivative works from HYBRID materials
- Remove copyright or trademark notices
Requests for licensed use may be submitted through our contact form.
5. Third‑Party Services & Links
The Platform may link to or integrate with third‑party services, including:
- Insurance carriers
- Legal protection providers
- Real estate partners
- Funding platforms
- Automotive dealerships
- Educational resources
- Travel Reservations
- Affiliate branded advertising
HYBRID does not endorse, control, or guarantee third‑party content, policies, or performance. Your interactions with third‑party services are governed by their respective terms.
6. User‑Submitted Content
By submitting forms, inquiries, applications, or other content (“User Content”), you grant HYBRID a nonexclusive, royalty‑free license to:
- Store, process, and use your information
- Contact you regarding services
- Share your information with relevant partners only when necessary to fulfill your request
(e.g, funding partners, insurance carriers, real estate affiliates)
You represent that:
- You have the right to submit the information
- The information is accurate
- The submission does not violate any laws or rights
HYBRID may remove or reject any content at its discretion.
7. Communications Consent
By submitting your information through the Platform, you consent to receive communications from HYBRID and its authorized partners, including:
- Phone calls
- SMS/text messages
- Emails
- Automated or prerecorded messages
Standard carrier rates may apply.
HYBRID does not engage in debt collection and will never contact you for that purpose.
8. Compliance & Legal Restrictions
You agree not to use the Platform to violate any federal, state, or local laws, including:
- Fair lending laws
- Fair housing laws
- Insurance regulations
- Consumer protection laws
- Anti‑fraud statutes
HYBRID reserves the right to report fraudulent or unlawful activity.
9. Disclaimer of Warranties
The Platform and all HYBRID services are provided “as is” and “as available.”
HYBRID makes no warranties regarding:
- Funding approvals
- Insurance eligibility
- Legal outcomes
- Real estate transactions
- Investment performance
- Accuracy of third‑party information
- Availability or uptime of the Platform
You use the Platform at your own risk.
10. Limitation of Liability
To the fullest extent permitted by law, HYBRID, its affiliates, partners, and representatives shall not be liable for:
- Direct, indirect, incidental, or consequential damages
- Loss of data, profits, or business opportunities
- Errors, delays, or interruptions in service
- Actions or omissions of third‑party partners
HYBRID’s total liability for any claim shall not exceed the amount paid by you (if any) for HYBRID services.
11. Termination
HYBRID may suspend or terminate your access to the Platform at any time, without notice, if:
- You violate these Terms
- You engage in fraudulent or harmful activity
- You misuse HYBRID content or systems
Termination does not entitle you to refunds.
12. Changes to Terms
HYBRID may update these Terms at any time. Continued use of the Platform after changes constitutes acceptance of the updated Terms.
13. Governing Law
These Terms are governed by the laws of the State of Alabama, without regard to conflict‑of‑law principles.
Any disputes shall be resolved individually in the state or federal courts located in Mobile, Alabama.
Class actions are expressly waived.
14. Entire Agreement
These Terms constitute the entire agreement between you and HYBRID regarding Platform use. No partnership, joint venture, or agency relationship is created by your use of the Platform.
15. Contact Information
HYBRID Gulf Solutions: T. Lewis | Financial Specialist
📧 TLewis.TheHybrid@hybridgulfsolutions.com
📞 251‑301‑8072
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