1. Acceptance of Terms

By accessing or using the website richnurseceo.com/rncelitegroup (“the Site”) or engaging with RNC Elite Group LLC (“the Firm,” “we,” “our,” or “us”), you agree to be bound by these Terms of Service (“Terms”). If you do not agree, you must discontinue use of the Site and our services.

These Terms apply to all visitors, clients, prospects, and users of our digital platforms, communications, and services.

2. Scope of Services

RNC Elite Group LLC operates as a licensed life insurance firm in California. Our services include:

• Life insurance planning

• Policy recommendations

• Insurance application processing

• Client intake and screening

• Educational content and webinars

• Introductions to independent professionals within the Affinity Advisory Network (AAN)

We do not provide:

• Investment advisory services

• Legal advice

• Tax preparation or tax advisory services

AAN professionals operate independently under their own licenses, regulatory obligations, and firm policies.

3. Eligibility

You must be at least 18 years old to use our services. By using the Site or engaging with us, you represent that you meet this requirement.

4. User Responsibilities

You agree to:

• Provide accurate, complete, and current information

• Use the Site and services only for lawful purposes

• Not interfere with or disrupt the Site’s functionality

• Not attempt to gain unauthorized access to systems or data

• Not submit false, misleading, or fraudulent information

We rely on the accuracy of the information you provide. RNC Elite Group LLC is not responsible for outcomes resulting from inaccurate or incomplete information.

5. Intellectual Property

All content on the Site — including text, graphics, logos, videos, educational materials, and branding — is the property of RNC Elite Group LLC or its licensors and is protected by copyright, trademark, and other intellectual property laws.

You may not:

• Copy

• Reproduce

• Modify

• Distribute

• Sell

• Create derivative works

without our express written permission.

6. Third-Party Services & Links

Our Site may contain links to third-party websites or tools, including:

• Calendly

• Instagram

• LinkedIn

• Insurance carrier portals

• CRM or automation platforms

These third parties maintain their own terms and privacy policies. Your use of third-party services is at your own risk.

7. Communication Consent

By submitting your contact information, you consent to receive:

• Emails

• Phone calls

• SMS/text messages

• Educational content

• Appointment reminders

You may opt out of SMS messages by replying STOP. Opting out does not affect your ability to receive services.

8. Disclaimer of Warranties

All services, content, and information provided by RNC Elite Group LLC are offered “as is” and “as available.”

We do not guarantee:

• Accuracy

• Completeness

• Timeliness

• Fitness for a particular purpose

• Results from using our services

• Availability or uninterrupted access to the Site

You use the Site and services at your own discretion and risk.

9. Limitation of Liability

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

• Indirect, incidental, consequential, or punitive damages

• Losses resulting from reliance on information provided

• 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

• Service interruptions, technical issues, or data loss

Our total liability for any claim arising from your use of the Site or services is limited to the amount you paid us, if any, in the 12 months preceding the claim.

10. Indemnification

You agree to indemnify, defend, and hold harmless RNC Elite Group LLC and its personnel from any claims, damages, losses, liabilities, or expenses arising from:

• Your use of the Site or services

• Your violation of these Terms

• Your submission of inaccurate or unlawful information

• Your interactions with third-party professionals or platforms

11. Privacy Policy

Your use of the Site and services is also governed by our Privacy Policy. Review the full policy at richnurseceo.com/rncelitegroup.

12. Termination of Services

We may suspend or terminate access to the Site or services at our discretion, including for:

• Violations of these Terms

• Fraudulent or unlawful activity

• Abuse of communication channels

• Failure to provide accurate information

Termination does not limit our rights under these Terms.

13. Governing Law

These Terms are governed by the laws of the State of California, without regard to conflict-of-law principles. Any disputes shall be resolved in California courts.

14. Changes to Terms

We may update these Terms periodically to reflect changes in our services, technology, or legal requirements. Updated Terms will be posted with a revised effective date.

Continued use of the Site or services constitutes acceptance of the updated Terms.

15. Contact Information

RNC ELITE GROUP LLC Coachella Valley, California Website: rncelitegroup.com Email: [email protected]