3. How We Use Personal Information

We use personal information for legitimate business purposes, including:

• Delivering life insurance planning and policy recommendations

• Processing insurance applications and communicating with carriers

• Facilitating introductions to AAN partner professionals (with your knowledge and consent)

• Communicating about appointments, policy updates, and account matters

• Sending educational content, newsletters, and webinar invitations

• Screening and qualifying prospective clients

• Improving our website, marketing, and client experience

• Complying with legal, regulatory, and audit requirements

We do not sell personal information for monetary consideration.

4. How We Share Personal Information

We share personal information only as necessary to provide services or comply with legal obligations:

• Insurance Carriers & Underwriters: To process applications and manage policies

• AAN Professionals: Independent advisors, CPAs, tax strategists, estate attorneys

• Technology Providers: CRM systems, scheduling tools (e.g., Calendly), email platforms, automation tools

• Legal & Regulatory Authorities: When required by law, court order, or compliance review

• Business Succession: In the event of a merger, acquisition, or sale

AAN professionals operate independently under their own licenses and privacy policies. RNC Elite Group LLC does not provide investment, legal, or tax services.

5. Data Security

We implement administrative, technical, and physical safeguards designed to protect personal information, including:

• Encrypted data storage

• Access controls

• Confidentiality standards for personnel

No electronic transmission is entirely risk-free. We encourage discretion when sharing sensitive information digitally.

6. California Privacy Rights

California residents have the right to:

• Know what personal information we collect

• Request deletion of personal information (subject to legal exceptions)

• Correct inaccurate information

• Opt out of sharing for cross-context behavioral advertising

• Limit use of sensitive personal information

• Receive equal service and pricing (non-discrimination)

• Appeal denied requests

Requests may be submitted by emailing [email protected] with the subject line “California Privacy Request.” Identity verification may be required.

7. Cookies & Tracking Technologies

Our website may use:

• Essential cookies

• Analytics cookies (e.g., Google Analytics)

• Social media pixels (Meta, LinkedIn)

• Embedded scheduling tools (e.g., Calendly)

You may manage cookie preferences through your browser settings.

8. Data Retention

We retain personal information as necessary to:

• Deliver services

• Meet regulatory obligations

• Resolve disputes

• Maintain insurance records (typically 5–7 years or longer)

Information is securely disposed of when no longer required.

9. SMS Communications

By providing your phone number, you consent to receive SMS messages related to appointments, follow-ups, and educational content. Reply STOP to opt out or HELP for assistance.

We do not sell or share phone numbers for third-party marketing.

10. Limitation of Liability

To the fullest extent permitted by law, RNC Elite Group LLC is not liable for:

• Unauthorized access to personal information despite reasonable safeguards

• Actions or omissions of independent AAN professionals

• Decisions made by insurance carriers or underwriters

• Errors or inaccuracies in information provided by clients

• Third-party website or platform practices

• Indirect, incidental, consequential, or punitive damages

Your use of our services is at your own discretion and risk.

11. Accuracy of Information Provided

Clients are responsible for ensuring all information submitted is accurate, complete, and current. We are not liable for outcomes resulting from inaccurate or incomplete information.

12. No Professional Services

RNC Elite Group LLC does not provide:

• Investment advisory services

• Legal advice

• Tax preparation or tax advisory services

Introductions to AAN professionals are provided as a convenience. Their services and recommendations are their own.

13. Third-Party Links & Services

Our website may link to external platforms such as Calendly, Instagram, LinkedIn, or carrier portals. We are not responsible for their content, security, or privacy practices.

14. Children’s Privacy

Our services are not intended for individuals under 18. We do not knowingly collect information from minors.

15. Data Breach Notification

If a data breach occurs, we will notify affected individuals and regulatory authorities in accordance with California law, including:

• Description of the incident

• Types of information involved

• Mitigation steps taken

• Guidance for protective measures

16. Changes to This Policy

We may update this Privacy Policy periodically. Material changes will apply only to information collected after the revised effective date unless legally permitted otherwise.

17. Contact Information

RNC Elite Group LLC Coachella Valley, California Website: richnurseceo.com/rncelitegroup.com Email: [email protected]