Privacy Policy – AmericaFirst

Protecting your private information is our priority. This Statement of Privacy applies to www.AmericaFirstInsuranceGroup.com, owned and operated by Insuring U LLC The www.AmericaFirstInsuranceGroup.com website connects you to an insurance brokerage agency. By using the America First Insurance Group Insurance Group website, you consent to the data practices described in this statement.

Collection of your Personal Information

In order to better provide you with products and services offered, America First Insurance Group Insurance Group may collect personally identifiable information. We do not collect any personal information about you unless you voluntarily provide it to us. However, you may be required to provide certain personal information to us when you elect to use certain products or services. These may include: (a) registering for an account; (b) signing up for special offers from selected third parties; (c) sending us an email message; (d) submitting your credit card or other payment information when ordering and purchasing products and services. To wit, we will use your information for, but not limited to, communicating with you in relation to services and/or products you have requested from us. We also may gather additional personal or non-personal information in the future.

Use of your Personal Information

America First Insurance Group Insurance Group collects and uses your personal information to operate and deliver the services you have requested. America First Insurance Group Insurance Group may also use your personally identifiable information to inform you of other products or services available from America First Insurance Group Insurance Group and its affiliates.

Sharing Information with Third Parties

America First Insurance Group Insurance Group may sell, rent, or lease customer information to third parties for the following reasons: Insurance quotes and other insurance related services. America First Insurance Group Insurance Group may, from time to time, contact you on behalf of external business partners about a particular offering that may be of interest to you. In those cases, your unique personally identifiable information (e-mail, name, address, telephone number) is transferred to the third party. America First Insurance Group Insurance Group may share data with trusted partners to help perform statistical analysis, send you email or postal mail, provide customer support, or arrange for deliveries. All such third parties are prohibited from using your personal information except to provide these services to America First Insurance Group Insurance Group, and they are required to maintain the confidentiality of your information. America First Insurance Group Insurance Group may disclose your personal information, without notice, if required to do so by law or in the good faith belief that such action is necessary to: (a) conform to the edicts of the law or comply with legal process served on America First Insurance Group Insurance Group or the site; (b) protect and defend the rights or property of America First Insurance Group Insurance Group; and/or (c) act under exigent circumstances to protect the personal safety of users of America First Insurance Group Insurance Group, or the public. Opt-Out of Sale or Disclosure of Personal Information to Third Parties In connection with any personal information we may sell or disclose to a third party for a business purpose, you have the right to know: You have the right under the California Consumer Privacy Act of 2018 (CCPA) and certain other privacy and data protection laws, as applicable, to opt-out of the sale or disclosure of your personal information. If you exercise your right to opt-out of the sale or disclosure of your personal information, we will refrain from selling or disclosing your personal information, unless you subsequently provide express authorization for the sale or disclosure of your personal information. To opt-out of the sale or disclosure of your personal information, email unsubscribe@americafirstinsurancegroup.com.

Tracking User Behavior

America First Insurance Group Insurance Group may keep track of the websites and pages our users visit within America First Insurance Group Insurance Group, in order to determine what America First Insurance Group Insurance Group services that are the most popular. This data is used to deliver customized content and advertising within America First Insurance Group Insurance Group to customers whose behavior indicates that they are interested in a particular subject area. Automatically Collected Information Information about your computer hardware and software may be automatically collected by America First Insurance Group Insurance Group. This information can include: your IP address, browser type, domain names, access times and referring website addresses. This information is used for the operation of the service, to

• The categories of personal information about you that we sold and the categories of third parties to whom the personal information was sold; and

• The categories of personal information that we disclosed about you for a business purpose.

• maintain quality of the service, and to provide general statistics regarding use of the America First Insurance Group Insurance Group website.

Use of Cookies

America First Insurance Group Insurance Group website may use “cookies” to help you personalize your online experience. A cookie is a text file that is placed on your hard disk by a web page server. Cookies cannot be used to run programs or deliver viruses to your computer. Cookies are uniquely assigned to you, and can only be read by a web server in the domain that issued the cookie to you. One of the primary purposes of cookies is to provide a convenience feature to save you time. The purpose of a cookie is to tell the Web server that you have returned to a specific page. For example, if you personalize America First Insurance Group Insurance Group pages, or register with America First Insurance Group Insurance Group site or services, a cookie helps America First Insurance Group Insurance Group to recall your specific information on subsequent visits. This simplifies the process of recording your personal information, such as billing addresses, shipping addresses, and so on. When you return to the same America First Insurance Group Insurance Group website, the information you previously provided can be retrieved, so you can easily use the America First Insurance Group Insurance Group features that you customized. You have the ability to accept or decline cookies. Most Web browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies if you prefer. If you choose to decline cookies, you may not be able to fully experience the interactive features of the America First Insurance Group Insurance Group services or websites you visit.

Security of your Personal Information

America First Insurance Group Insurance Group secures your personal information from unauthorized access, use, or disclosure. America First Insurance Group Insurance Group uses the following methods for this purpose: When personal information (such as a credit card number) is transmitted to other websites, it is protected through the use of encryption, such as the Secure Sockets Layer (SSL) protocol. We strive to take appropriate security measures to protect against unauthorized access to or alteration of your personal information. Unfortunately, no data transmission over the Internet or any wireless network can be guaranteed to be 100% secure. As a result, while we strive to protect your personal information, you acknowledge that: (a) there are security and privacy limitations inherent to the Internet which are beyond our control; and (b) security, integrity, and privacy of any and all information and data exchanged between you and us through this Site cannot be guaranteed.

Right to Deletion

Subject to certain exceptions set out below, on receipt of a verifiable request from you, we will:

• Delete your personal information from our records; and

• Direct any service providers to delete your personal information from their records.

America First Insurance Group Insurance Group does not knowingly collect personally identifiable information from children under the age of thirteen. If you are under the age of thirteen, you must ask your parent or guardian for permission to use this website.

Opt-Out & Unsubscribe from Third Party Communications

We respect your privacy and give you an opportunity to opt-out of receiving announcements of certain information. Users may opt-out of receiving any or all communications from third-party partners of America First Insurance Group Insurance Group by contacting us here: – Email: unsubscribe@americafirstinsurancegroup.com

Communications From time to time

America First Insurance Group Insurance Group may contact you via email for the purpose of providing announcements, promotional offers, alerts, confirmations, surveys, and/or other general communication. If you would like to stop receiving marketing or promotional communications via email from America First Insurance Group Insurance Group, you may opt out of such communications by unsubscribe@americafirstinsurancegroup.com. Changes to this Statement

• Complete the transaction for which the personal information was collected, fulfill the terms of a written warranty or product recall conducted in accordance with federal law, provide a good or service requested by you, or reasonably anticipated within the context of our ongoing business relationship with you, or otherwise perform a contract between you and us;

• Detect security incidents, protect against malicious, deceptive, fraudulent, or illegal activity; or prosecute those responsible for that activity; • Debug to identify and repair errors that impair existing intended functionality;

• Exercise free speech, ensure the right of another consumer to exercise his or her right of free speech, or exercise another right provided for by law;

• Comply with the California Electronic Communications Privacy Act;

• Engage in public or peer-reviewed scientific, historical, or statistical research in the public interest that adheres to all other applicable ethics and privacy laws, when our deletion of the information is likely to render impossible or seriously impair the achievement of such research, provided we have obtained your informed consent;

• Enable solely internal uses that are reasonably aligned with your expectations based on your relationship with us;

• Comply with an existing legal obligation; or • Otherwise use your personal information, internally, in a lawful manner that is compatible with the context in which you provided the information.

America First Insurance Group Insurance Group reserves the right to change this Privacy Policy from time to time. We will notify you about significant changes in the way we treat personal information by sending a notice to the primary email address specified in your account, by placing a prominent notice on our website, and/or by updating any privacy information. Your continued use of the website and/or Services available after such modifications will constitute your: (a) acknowledgment of the modified Privacy Policy; and (b) agreement to abide and be bound by that Policy. Contact Information America First Insurance Group Insurance Group welcomes your questions or comments regarding this Statement of Privacy.

Effective as of June 01, 2021

Terms and Conditions

Agreement between User and www.AmericaFirstInsuranceGroup.com

Welcome to www.AmericaFirstInsuranceGroup.com. The www.AmericaFirstInsuranceGroup.com website (the “Site”) is comprised of various web pages operated by Insuring U LLC. www.AmericaFirstInsuranceGroup.com is offered to you conditioned on your acceptance without modification of the terms, conditions, and notices contained herein (the “Terms”). Your use of www.AmericaFirstInsuranceGroup.com constitutes your agreement to all such Terms. Please read these terms carefully, and keep a copy of them for your reference.

www.AmericaFirstInsuranceGroup.com is an E-Commerce Site.

Providing customers with health and supplemental insurance options in their area.

Privacy

Your use of www.AmericaFirstInsuranceGroup.com is subject to Insuring U LLC’s Privacy Policy. Please review our Privacy Policy, which also governs the Site and informs users of our data collection practices.

Electronic Communications

Visiting www.AmericaFirstInsuranceGroup.com or sending emails to Insuring U LLC constitutes electronic communications. You consent to receive electronic communications and you agree that all agreements, notices, disclosures and other communications that we provide to you electronically, via email and on the Site, satisfy any legal requirement that such communications be in writing.

Children Under Thirteen

Insuring U LLC does not knowingly collect, either online or offline, personal information from persons under the age of thirteen. If you are under 18, you may use www.AmericaFirstInsuranceGroup.com only with permission of a parent or guardian.

Links to Third Party Sites/Third Party Services

www.AmericaFirstInsuranceGroup.com may contain links to other websites (“Linked Sites”). The Linked Sites are not under the control of Insuring U LLC and Insuring U LLC is not responsible for the contents of any Linked Site, including without limitation any link contained in a Linked Site, or any changes or updates to a Linked Site. Insuring U LLC is providing these links to you only as a convenience, and the inclusion of any link does not imply endorsement by Insuring U LLC of the site or any association with its operators.

Certain services made available via www.AmericaFirstInsuranceGroup.com are delivered by third party sites and organizations. By using any product, service or functionality originating from the www.AmericaFirstInsuranceGroup.com domain, you hereby acknowledge and consent that Insuring U LLC may share such information and data with any third party with whom Insuring U LLC has a contractual relationship to provide the requested product, service or functionality on behalf of www.AmericaFirstInsuranceGroup.com users and customers.

No Unlawful or Prohibited Use/Intellectual Property

You are granted a non-exclusive, non-transferable, revocable license to access and use www.AmericaFirstInsuranceGroup.com strictly in accordance with these terms of use. As a condition of your use of the Site, you warrant to Insuring U LLC that you will not use the Site for any purpose that is unlawful or prohibited by these Terms. You may not use the Site in any manner which could damage, disable, overburden, or impair the Site or interfere with any other party’s use and enjoyment of the Site. You may not obtain or attempt to obtain any materials or information through any means not intentionally made available or provided for through the Site.

All content included as part of the Service, such as text, graphics, logos, images, as well as the compilation thereof, and any software used on the Site, is the property of Insuring U LLC or its suppliers and protected by copyright and other laws that protect intellectual property and proprietary rights. You agree to observe and abide by all copyright and other proprietary notices, legends or other restrictions contained in any such content and will not make any changes thereto.

You will not modify, publish, transmit, reverse engineer, participate in the transfer or sale, create derivative works, or in any way exploit any of the content, in whole or in part, found on the Site. Insuring U LLC content is not for resale. Your use of the Site does not entitle you to make any unauthorized use of any protected content, and in particular you will not delete or alter any proprietary rights or attribution notices in any content. You will use protected content solely for your personal use, and will make no other use of the content without the express written permission of Insuring U LLC and the copyright owner. You agree that you do not acquire any ownership rights in any protected content. We do not grant you any licenses, express or implied, to the intellectual property of Insuring U LLC or our licensors except as expressly authorized by these Terms.

International Users

The Service is controlled, operated and administered by Insuring U LLC from our offices within the USA. If you access the Service from a location outside the USA, you are responsible for compliance with all local laws. You agree that you will not use the Insuring U LLC Content accessed through www.AmericaFirstInsuranceGroup.com in any country or in any manner prohibited by any applicable laws, restrictions or regulations.

Indemnification

You agree to indemnify, defend and hold harmless Insuring U LLC, its officers, directors, employees, agents and third parties, for any losses, costs, liabilities and expenses (including reasonable attorney’s fees) relating to or arising out of your use of or inability to use the Site or services, any user postings made by you, your violation of any terms of this Agreement or your violation of any rights of a third party, or your violation of any applicable laws, rules or regulations. Insuring U LLC reserves the right, at its own cost, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, in which event you will fully cooperate with Insuring U LLC in asserting any available defenses.

Class Action Waiver

Any arbitration under these Terms and Conditions will take place on an individual basis; class arbitrations and class/representative/collective actions are not permitted. THE PARTIES AGREE THAT A PARTY MAY BRING CLAIMS AGAINST THE OTHER ONLY IN EACH’S INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PUTATIVE CLASS, COLLECTIVE AND/ OR REPRESENTATIVE PROCEEDING, SUCH AS IN THE FORM OF A PRIVATE ATTORNEY GENERAL ACTION AGAINST THE OTHER. Further, unless both you and Insuring U LLC agree otherwise, the arbitrator may not consolidate more than one person’s claims, and may not otherwise preside over any form of a representative or class proceeding.

Liability Disclaimer

THE INFORMATION, SOFTWARE, PRODUCTS, AND SERVICES INCLUDED IN OR AVAILABLE THROUGH THE SITE MAY INCLUDE INACCURACIES OR TYPOGRAPHICAL ERRORS. CHANGES ARE PERIODICALLY ADDED TO THE INFORMATION HEREIN. INSURING U LLC AND/OR ITS SUPPLIERS MAY MAKE IMPROVEMENTS AND/OR CHANGES IN THE SITE AT ANY TIME.

INSURING U LLC AND/OR ITS SUPPLIERS MAKE NO REPRESENTATIONS ABOUT THE SUITABILITY, RELIABILITY, AVAILABILITY, TIMELINESS, AND ACCURACY OF THE INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS CONTAINED ON THE SITE FOR ANY PURPOSE. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, ALL SUCH INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS ARE PROVIDED “AS IS” WITHOUT WARRANTY OR CONDITION OF ANY KIND. INSURING U LLC AND/OR ITS SUPPLIERS HEREBY DISCLAIM ALL WARRANTIES AND CONDITIONS WITH REGARD TO THIS INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS, INCLUDING ALL IMPLIED WARRANTIES OR CONDITIONS OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON-INFRINGEMENT.

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL INSURING U LLC AND/OR ITS SUPPLIERS BE LIABLE FOR ANY DIRECT, INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL, CONSEQUENTIAL DAMAGES OR ANY DAMAGES WHATSOEVER INCLUDING, WITHOUT LIMITATION, DAMAGES FOR LOSS OF USE, DATA OR PROFITS, ARISING OUT OF OR IN ANY WAY CONNECTED WITH THE USE OR PERFORMANCE OF THE SITE, WITH THE DELAY OR INABILITY TO USE THE SITE OR RELATED SERVICES, THE PROVISION OF OR FAILURE TO PROVIDE SERVICES, OR FOR ANY INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS OBTAINED THROUGH THE SITE, OR OTHERWISE ARISING OUT OF THE USE OF THE SITE, WHETHER BASED ON CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY OR OTHERWISE, EVEN IF INSURING U LLC OR ANY OF ITS SUPPLIERS HAS BEEN ADVISED OF THE POSSIBILITY OF DAMAGES. BECAUSE SOME STATES/JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, THE ABOVE LIMITATION MAY NOT APPLY TO YOU. IF YOU ARE DISSATISFIED WITH ANY PORTION OF THE SITE, OR WITH ANY OF THESE TERMS OF USE, YOUR SOLE AND EXCLUSIVE REMEDY IS TO DISCONTINUE USING THE SITE.

Termination/Access Restriction

Insuring U LLC reserves the right, in its sole discretion, to terminate your access to the Site and the related services or any portion thereof at any time, without notice. To the maximum extent permitted by law, this agreement is governed by the laws of the State of Florida and you hereby consent to the exclusive jurisdiction and venue of courts in Florida in all disputes arising out of or relating to the use of the Site. Use of the Site is unauthorized in any jurisdiction that does not give effect to all provisions of these Terms, including, without limitation, this section.

You agree that no joint venture, partnership, employment, or agency relationship exists between you and Insuring U LLC as a result of this agreement or use of the Site. Insuring U LLC’s performance of this agreement is subject to existing laws and legal process, and nothing contained in this agreement is in derogation of Insuring U LLC’s right to comply with governmental, court and law enforcement requests or requirements relating to your use of the Site or information provided to or gathered by Insuring U LLC with respect to such use. If any part of this agreement is determined to be invalid or unenforceable pursuant to applicable law including, but not limited to, the warranty disclaimers and liability limitations set forth above, then the invalid or unenforceable provision will be deemed superseded by a valid, enforceable provision that most closely matches the intent of the original provision and the remainder of the agreement shall continue in effect.

Unless otherwise specified herein, this agreement constitutes the entire agreement between the user and Insuring U LLC with respect to the Site and it supersedes all prior or contemporaneous communications and proposals, whether electronic, oral or written, between the user and Insuring U LLC with respect to the Site. A printed version of this agreement and of any notice given in electronic form shall be admissible in judicial or administrative proceedings based upon or relating to this agreement to the same extent and subject to the same conditions as other business documents and records originally generated and maintained in printed form. It is the express wish to the parties that this agreement and all related documents be written in English.

Changes to Terms

Insuring U LLC reserves the right, in its sole discretion, to change the Terms under which www.AmericaFirstInsuranceGroup.com is offered. The most current version of the Terms will supersede all previous versions. Insuring U LLC encourages you to periodically review the Terms to stay informed of our updates.

Insuring U LLC welcomes your questions or comments regarding the Terms:

Insuring U LLC

2803 East Commercial Boulevard

Fort Lauderdale, Florida 33308

Email Address:

info@americafirstinsurancegroup.com

Effective as of July 01, 2021