1. ACCEPTANCE OF TERMS

RBK.Financial is a website owned and operated by RBK.Financial (referred to as “us“, “we“, or “our” as the context may require). We provide Services (as defined below) to you through this website (“Website”) and mobile application (“Mobile Application”). Access to and use of this Website and Services are provided subject to your acceptance of and compliance with the following terms and conditions (“Terms”).

BY USING THE WEBSITE OR MOBILE APPLICATION, YOU ACCEPT AND AGREE TO BE BOUND AND COMPLY WITH THESE TERMS AND CONDITIONS AND OUR PRIVACY POLICY, FOUND AT https://www.rbk.financial/privacy-policy. IF YOU DO NOT AGREE, YOU MUST NOT ACCESS OR USE THE WEBSITE OR MOBILE APPLICATION.

By using this Website or Mobile Application, you represent that you are the legal age of majority to form a binding contract and meet all eligibility requirements. We reserve the right to change these Terms without prior notice. It is your responsibility to review these Terms regularly.

2. YOUR USE OF WEBSITE OR MOBILE APPLICATION AND ACCOUNT SECURITY

We prioritize the security of your personal information. You are responsible for obtaining access to the Website and Mobile Application and ensuring compliance with these Terms. Users must keep their login credentials confidential and notify us immediately of unauthorized access.

You must not attempt to:

• Access unauthorized content or data

• Introduce malicious code (e.g., viruses, trojans)

• Use automated tools to monitor or copy Website content

Any misuse of accounts or breaches of security may result in account termination.

3. DESCRIPTION OF SERVICES

RBK.Financial provides assistance with insurance products, including health insurance, life insurance, Medicare plans, and related services (the “Services”). By using our Services, you agree to provide accurate personal, financial, or health-related information.

Our role is to connect you with insurance providers and assist you in exploring options suitable for your needs. For full service details, please refer to our General Terms and Conditions of Service.

4. PRIVACY POLICY

Your privacy is important to us. Any personal information you provide is subject to our Privacy Policy located at https://rbk.financial/privacy-policy.

5. USE OF THE WEBSITE OR MOBILE APPLICATION

You may view, download, and print content solely for your personal, non-commercial use related to accessing RBK.Financial’s Services. Unauthorized reproduction, modification, or resale of Website content is strictly prohibited.

We reserve the right to suspend or terminate access to this Website or Mobile Application at our sole discretion.

6. TRADEMARKS AND COPYRIGHT

RBK.Financial and related logos are trademarks owned by RBK.Financial. Unauthorized use of any intellectual property on this Website is strictly prohibited and may result in legal action.

7. USER GENERATED CONTENT

If you submit feedback, comments, or user-generated content, you grant RBK.Financial a non-exclusive, royalty-free, perpetual license to use, modify, or display the content without compensation.

8. ACCEPTABLE USE AND RESTRICTIONS

This Website and Mobile Application are intended for use by residents of the United States. Accessing the Services outside permitted jurisdictions is at your own risk. You agree to use the Services in compliance with all applicable laws and regulations.

9. THIRD-PARTY WEBSITES

For your convenience, this Website may include links to third-party sites. RBK.Financial has no control over these sites and is not responsible for their content or any resulting damages.

10. NO RELIANCE

The content provided is for general information purposes only. It is not professional advice, and you should consult licensed insurance professionals before making decisions.

11. INDEMNITY

You agree to defend, indemnify, and hold harmless RBK.Financial from any claims, damages, or liabilities resulting from your use of the Website, Services, or any breach of these Terms.

12. DISCLAIMER OF WARRANTIES

YOUR USE OF THIS WEBSITE, MOBILE APPLICATION, AND SERVICES IS AT YOUR OWN RISK. ALL CONTENT AND SERVICES ARE PROVIDED “AS IS” AND WITHOUT WARRANTIES OF ANY KIND.

RBK.Financial does not guarantee uninterrupted service, accuracy, or security of the Website or Mobile Application.

13. LIMITATIONS OF LIABILITY

RBK.Financial, its affiliates, employees, and agents shall not be liable for any direct, indirect, incidental, or consequential damages arising from your use of the Website, Mobile Application, or Services.

14. GENERAL

These Terms constitute the entire agreement between you and RBK.Financial. Any disputes will be governed by the laws of the State of Texas, USA, excluding conflict-of-law principles.

To the extent permitted, all disputes will be resolved through binding arbitration on an individual basis. You waive any right to participate in a class-action lawsuit or jury trial.

15. CONTACT US

For questions, comments, or concerns regarding these Terms, please contact us:

• Email: ryan@rbk.financial

• Mail: 5900 Balcones Drive #22970, Austin, TX 78731

16. CONSENT TO RECEIVE SMS COMMUNICATIONS

By providing your mobile number, you consent to receive SMS communications, including updates, offers, and notifications. You may opt out at any time by following the instructions in the messages.