These Terms of Service ("Terms") form a binding agreement between you ("you," "your," or "User") and [BUSINESS LEGAL NAME] ("Right Choice Financial Services," "RCFS," "we," "us," or "our") governing your access to and use of our website located at www.rcfs.live (the "Site") and any services, tools, forms, calculators, and communications offered through it (collectively, the "Services").

By accessing, browsing, or using the Site or Services, you acknowledge that you have read, understood, and agree to be bound by these Terms. If you do not agree to these Terms, you may not access or use the Site or Services.

You must be at least 18 years of age and legally able to enter into binding contracts to use the Services. By using the Services, you represent and warrant that you meet these requirements and that the information you provide is accurate and complete.

The Site provides general information about insurance products and services offered by Kareem Sanders, a licensed insurance agent in Mississippi (License #10657092), operating under Right Choice Financial Services. Services may include informational content, interactive calculators and quizzes, blog articles, appointment scheduling, and contact forms that allow you to request information or a consultation.

The Site is operated by [BUSINESS LEGAL NAME], located at [BUSINESS ADDRESS]. Information on the Site is for general informational and educational purposes only and does not constitute insurance, legal, tax, or financial advice, and is not an offer to sell or a solicitation of any insurance product.

You agree to use the Site only for lawful purposes and in a manner that does not infringe the rights of, restrict, or inhibit anyone else's use and enjoyment of the Site. You may not misuse the Site, including by introducing viruses, scraping or harvesting data, attempting to gain unauthorized access, or interfering with its operation.

You are responsible for the accuracy of any information you submit through the Site's forms, chat, or scheduling tools, and for maintaining the confidentiality of any communications you exchange with us. You agree to provide truthful and current information and to update it when it changes.

If you request a consultation, quote, or appointment, you agree to respond to our communications in a timely manner and to provide any additional information reasonably required to assist you. Coverage, benefits, premiums, and availability vary by carrier, product, and state, and are subject to underwriting, eligibility, and the terms of the policy.

By providing your contact information through the Site, you authorize Right Choice Financial Services to contact you regarding your inquiry, appointment, or the services you have requested. Communications may be made by email, phone, or text message, to the contact information you provide, using automated or manual methods.

SMS/text messaging consent is collected separately and voluntarily through our chat widget, as described in Section 8 below. Submitting a contact form alone does not constitute consent to receive SMS marketing messages.

When you voluntarily provide your mobile phone number through our chat widget and opt in, you agree to receive text messages from Right Choice Financial Services regarding your inquiries, appointments, services, reminders, updates, and other communications you have requested.

• Consent is voluntary. Providing your mobile number and opting in to SMS is not a condition of purchasing any goods or services.
• Message frequency. The frequency of messages may vary depending on your interactions and requests.
• Message and data rates may apply. Your mobile carrier's standard message and data rates may apply to messages you receive.
• Carrier disclaimer. Carriers and providers are not liable for delayed or undelivered messages.
• Opt out. You may cancel SMS messages at any time by replying STOP to any message you receive from us.
• Help. For assistance, reply HELP to any message, or contact us using the contact information in Section 16.

We do not sell or share your mobile information or SMS opt-in/consent data with third parties for their own marketing purposes. We may share information with service providers and platforms that help us operate our business and communications, as described in our Privacy Policy.

You agree not to:

• Use the Site for any unlawful purpose or in violation of any applicable law;
• Submit false, misleading, or fraudulent information through any form or chat;
• Attempt to gain unauthorized access to any part of the Site, its systems, or its data;
• Interfere with or disrupt the Site, including by introducing viruses or automated scraping tools;
• Use the Site to send unsolicited communications or marketing to others.

The Site and its content — including text, graphics, logos, images, calculators, and software — are owned by or licensed to Right Choice Financial Services and are protected by intellectual property laws. You may view and use the Site for your personal, non-commercial purposes. You may not copy, reproduce, distribute, or create derivative works from the Site without our prior written permission.

The Site may contain links to third-party websites, tools, and services — including scheduling, video, and social media platforms — that we do not control. We are not responsible for the content, practices, or policies of those third parties. Your use of third-party services is subject to their own terms and privacy policies.

Where applicable, the purchase of any insurance product is governed by the terms of the policy issued by the applicable carrier, not by these Terms. Premiums, refunds, and cancellation rights are determined by the carrier and state law. Please review your policy and consult a licensed insurance professional for details specific to your coverage.

The Site is provided on an "as is" and "as available" basis. We make no representations or warranties, express or implied, about the completeness, accuracy, reliability, or availability of the Site or its content. Some content may be automatically generated and may not reflect current market conditions. We do not warrant that the Site will be uninterrupted or error-free.

To the fullest extent permitted by law, Right Choice Financial Services and its agents, employees, and affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of data or profits, arising out of or related to your use of, or inability to use, the Site or Services, even if we have been advised of the possibility of such damages.

You agree to indemnify and hold harmless Right Choice Financial Services and its affiliates from any claims, damages, liabilities, costs, or expenses (including reasonable attorneys' fees) arising out of your use of the Site, your violation of these Terms, or your violation of any rights of a third party.

If you have questions about these Terms, you may contact us at:

• Right Choice Financial Services
• Kareem Sanders, Licensed Insurance Agent — Mississippi License #10657092
• Phone: (662) 231-0111
• Email: kareemsanders88@yahoo.com
• Address: [BUSINESS ADDRESS]

We may suspend or terminate your access to the Site at any time, without notice, if we believe you have violated these Terms or for any other reason. Upon termination, all provisions of these Terms that by their nature should survive termination shall remain in effect.

These Terms are governed by the laws of [GOVERNING STATE], without regard to its conflict of law principles. You agree to the exclusive jurisdiction of the courts located in [GOVERNING STATE] for any disputes arising out of or relating to these Terms or the Site.

We may update these Terms from time to time. When we do, we will revise the "Last updated" date at the top of this page. Your continued use of the Site after any changes constitutes your acceptance of the revised Terms.

These Terms are effective as of [EFFECTIVE DATE].