These Terms and Conditions ("Agreement") govern the relationship between Exit Equity Concierge (“we,” “us,” or “our”) and you, the client (“you” or “your”), for the use of our life and viatical settlement brokerage services. By engaging our services, you acknowledge and agree to the terms outlined below.

1. Scope of Services

Exit Equity Concierge provides life and viatical settlement brokerage services, including:

• Reviewing and evaluating life insurance policies
• Gathering required documentation (medical records, policy information, etc.)
• Marketing policies to licensed settlement providers
• Presenting offers and negotiating on your behalf
• Coordinating the settlement transaction through to completion

We operate exclusively as a broker representing you, the policy owner—not the buyer or provider.

2. No Upfront Fees

Exit Equity Concierge does not charge any upfront broker fees. Our compensation is contingent and is paid only upon the successful completion of a settlement transaction. All broker compensation will be:

• Clearly disclosed in writing prior to closing
• Paid out of the settlement proceeds
• Agreed upon in advance, with no hidden or back-end charges

3. Client Responsibilities

By working with Exit Equity Concierge, you agree to:

• Provide accurate and complete information regarding your policy, health, and ownership
• Cooperate with document requests and required signatures in a timely manner
• Notify us of any material changes to the policy or your health status
• Refrain from entering into multiple broker agreements for the same policy without full disclosure

4. No Guarantee of Sale

While Exit Equity Concierge makes a good-faith effort to market your policy, we cannot guarantee:

• That you will receive an offer
• That any offer will meet your expectations
• That a settlement transaction will close

Final settlement decisions are made by third-party licensed providers based on underwriting, market conditions, and investor interest.

5. Compliance and Confidentiality

We comply with all applicable laws and regulations related to life and viatical settlements. All client data is handled in accordance with our Privacy Policy and relevant state and federal confidentiality requirements, including HIPAA. We will:

• Protect the confidentiality of your medical and financial information
• Only share your data with third parties as necessary to facilitate your settlement
• Provide disclosures as required by your state’s insurance or life settlement regulations

6. Cancellation of Services

You may terminate our services at any time prior to accepting a settlement offer or signing a purchase agreement. Termination must be made in writing. There is no penalty or cancellation fee.

If you choose to cancel after an offer has been accepted and contracts signed, you may be subject to penalties or legal restrictions governed by the settlement provider or escrow agent.

7. Third-Party Relationships

Exit Equity Concierge works with licensed settlement providers, medical underwriters, legal professionals, and escrow agents. We are not responsible for the acts, omissions, or performance of these third parties. We make best efforts to partner only with reputable and licensed professionals.

8. Limitation of Liability

To the fullest extent permitted by law, Exit Equity Concierge is not liable for:

• The failure of a settlement transaction to close
• Offers received that are below client expectations
• Delays in processing caused by third-party providers, insurance companies, or record retrieval delays
• Any decision you make regarding acceptance or rejection of a settlement offer

Our maximum liability is limited to the total compensation received by Exit Equity Concierge for the services rendered.

9. Governing Law

These Terms and Conditions shall be governed by and interpreted in accordance with the laws of the State of [Insert State]. Any legal disputes arising from this Agreement will be resolved through binding arbitration in [Insert County/City, State].

10. Amendments

Exit Equity Concierge reserves the right to update or modify these Terms and Conditions at any time. Clients will be notified of material changes, and continued use of our services indicates your acceptance of the revised terms.

11. Contact Information

For questions about these Terms and Conditions, please contact:

Exit Equity Concierge

2401 Fountain View, Suite 464-21332

281.529.5476

[email protected]

www.ExitEquityConcierge.com