WINNERS CIRCLE TERMS AND CONDITIONS

FFL The Winners Circle TERMS & CONDITIONS

PLEASE READ THIS USER AGREEMENT AND ALL OTHER AGREEMENTS AND POLICIES REFERENCED HEREIN COLLECTIVELY DEFINED BELOW AS THE “TERMS AND CONDITIONS” CAREFULLY AS THEY CONTAIN IMPORTANT INFORMATION REGARDING YOUR LEGAL RIGHTS, REMEDIES, AND OBLIGATIONS. THESE INCLUDE VARIOUS LIMITATIONS AND EXCLUSIONS

This User Agreement (this “Agreement”) is a contract between you (“you” or “User”) FFL Winners Circle. (“FFL Winners Circle,” “we,” or “us”), to the extent expressly stated, you must read, agree to, and accept all of the terms and conditions contained in this Agreement to be a User of our website with its principal office located at 2211 Rayford Road #111-305 Spring, TX 77386. You (website “user”) understand and recognize that

www.winnerscircle.agency

is not a party to any agreement, contract or contractual relations, of any nature, entered into between the users of its website.

YOU UNDERSTAND THAT BY USING THE SITE AFTER THE EFFECTIVE DATE, YOU AGREE TO BE BOUND BY THE TERMS AND CONDITIONS, IF YOU DO NOT ACCEPT THE TERMS AND CONDITIONS IN ITS ENTIRETY, YOU MUST NOT ACCESS OR USE THE SITE AFTER THE EFFECTIVE DATE EXCEPT AS PERMITTED BY THE SITE TERMS OF USE.

About Us(“FFL The Winners Circle”)?

Our mission at Family First Life is to make the families we protect and the families of our agents our number one priority. Trust and loyalty is not given, it is earned and all of us at Family First will give everything we have to earn it with our clients and our agents.

We specialize in mortgage protection life insurance, final expense life insurance, retirement planning through universal life policies and retirement protection through the use of fixed index annuities. We have multiple insurance carriers inclusive of Americo, Mutual of Omaha and various others that we work with in order to be able to meet all the client’s needs.

Definitions

“FFL The Winners Circle” Family First The Winners Circle

“T&Cs” Terms and Conditions

“Services” means all services delivered by FFL The Winners Circle via the website

“Website” means the website accessible at the address (

www.winnerscircle.agency

SCOPE

These Terms are intended to supplement and not to replace any existing agreements between you and FFL Inception regarding services offered.

Your use of the Website is at user’s discretion and sole risk. FFL The Winners Circle is not responsible for any harm that may result or arise out of use of the platforms.

OWNERSHIP

All rights to this Web Site, the content, information herein and other services and materials made available on this Web Site, including software application, copyright information and proprietary notices that may be provided, (collectively the “Materials”) are proprietary to FFL The Winners Circle, its subsidiaries, or third parties from which FFL The Winners Circle have gotten permission from and are protected by worldwide copyright laws as well as other intellectual property laws. All rights not expressly granted under these Terms and Conditions of Use are retained by FFL The Winners Circle and such third parties or subsidiaries.

You also acknowledge that the FFL The Winners Circle website contains certain contents which includes but not limited to graphics, text, audio, video, code, photographs and any information or date relating to any of such content, that is protected by trademarks, copyrights, trade secrets or other proprietary rights, and that such rights are deemed valid and protected in all formation, media and technologies presently or developed hereinafter.

You may not in any way modify, delete, remove, augment, add to, transmit, publish, participate in the transfer or sale of, create derivative works from, or in any way exploit any of such Content, in whole or in part herein this Website. If no specific restrictions are displayed, Users may make copies of select portions of the Content, provided that the copies are made only for User’s personal use and that User maintains any notices contained in the Content, such as all copyright notices, trademark legends, or other proprietary rights notices. Except as provided in the preceding sentence or as permitted by the fair use privilege under the U.S. copyright laws. Users may not upload, post, reproduce, or distribute in any way Content protected by copyright, or other proprietary right, without obtaining permission of the owner of the copyright or other property right. In addition to the foregoing, use of any software Content shall be governed by these terms and any software license agreement accompanying such software

LICENSE TO USE WEBSITE

Binding by this Agreement, you agree to abide by the granted access in exploring and accessing information from this Website. Unless otherwise stated, FFL The Winners Circle owns the intellectual property rights herein this Website and Services provided on the Website. Subject to the license below, all the intellectual property rights are reserved. You may download or print out on a single computer for your non-commercial internal use only, unless specifically licensed to do otherwise by FFL The Winners Circle in writing or as allowed by any license terms which accompany or are provided with individual Materials.

You have permission to download the contents of this Website to your local hard drive for your personal use. You also have permission to copy the content to an individual third party for their personal use provided that you acknowledge the source of the material as being this Website and you inform the third party that they are bound by FFL The Winners Circle Terms and Conditions.

TERMINATION OF THIS LICENSE

In the event that you violate any of the Terms and Conditions of Use herein, your authorization to use this Website shall be automatically terminated and you must immediately discontinue your use of the Website and destroy any downloaded or printed Materials obtained from the Website including any shared material with any third party obtained from this Website.

OBLIGATIONS AND CONDUCT WHEN USING THE SITE

This website contains proprietary notices and copyright information, and by consenting to use this website, you agree to observe and abide by the following.

By using this website, you assume full responsibility for the protection of your computer system including but not limited to your computer software and hardware, and stored data on your computer system any third parties who may access or be otherwise connected to your computer systems including hardware and software, stored data and on the third parties computer systems.

You will assume the responsibility of ensuring that programs or other data downloaded or otherwise received from this website are free from Viruses, Worms, Trojan horses or other items of a destructive nature.

By using this website, you accept not to attempt publishing, sending or uploading malicious contents onto the website with the intention of disrupting the website or compromising the website functionality.

DATA SECURITY POLICY

FFL The Winners Circle will take the appropriate and reasonable measures to ensure that data transported electronically to us through the website or otherwise and stored by FFL The Winners Circle or otherwise is not accessed by an unauthorized third party/parties.

You accept the risk that data transmitted electronically to FFL The Winners Circle via this website or otherwise may be intercepted before reaching FFL The Winners Circle, or accessed from FFL The Winners Circle data storage means by third parties’ unauthorized by FFL The Winners Circle, and may be exploited unlawfully by such unauthorized third parties.

FFL The Winners Circle does not assume responsibility for guarding against the access of such unauthorized third parties’. We do not store credit or debit card details on our site.

VIRUSES AND OTHER COMPUTER MISUSE

FFL The Winners Circle does not guarantee in a particular way that our website shall be entirely free or secured from bugs, viruses or other malicious contents. You are responsible for configuring your computer programs, gadgets, information technology, and platform to access our site. You are advised to always use your own virus protection software.

You also agree not to misuse our website by knowingly introducing viruses, Trojans, worms, logic bombs or other material that is malicious or technologically harmful. You must not attempt to gain unauthorized access to our site, the server on which our site is stored or any server, computer or database connected to our site. You must not attack our site via a denial-of-service attack or a distributed denial-of service attack. By breaching this provision, you would be construed to have committed a criminal offense under the Computer Misuse Act 1990. We will report any such breach to the relevant law enforcement authorities and we will co-operate with those authorities by disclosing your identity to them. In the event of such breach, your right to use our site will cease immediately.

OPERATION, AVAILABILITY AND FUNCTIONALITIES OF THE WEBSITE

FFL The Winners Circle shall try as far as possible to maintain the website accessible 7 days a week and 24 hours a day. Nevertheless, access to the website may be temporarily suspended, without notice, owing to technical maintenance, migration or update operations, or owing to outages or constraints linked to the operation of the network.

Furthermore, FFL The Winners Circle reserves the right to modify or suspend all or part of access to the website or its functionalities, at its sole discretion, temporarily or permanently.

GENERAL DISCLAIMER AND LIMITATION OF LIABILITY

Although FFL The Winners Circle has attempted to provide accurate information on this Site, FFL The Winners Circle assumes no responsibility for the validity, accuracy and usefulness of the information or Materials; nor does FFL The Winners Circle warrant that the information or Materials are up to date; or that this Web Site shall be available at any particular time or in any given location; that any defects or errors will be corrected; or that the Materials are free of viruses or other harmful components. Your use of this Web Site is at your sole risk. FFL The Winners Circle may change the Materials or products mentioned at any time without notice.

ALL INFORMATION AND MATERIALS PROVIDED ON THIS WEB SITE ARE PROVIDED “AS IS” WITH ALL FAULTS AND WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESSED OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, SATISFACTORY QUALITY, NON INFRINGEMENT OF INTELLECTUAL PROPERTY, OR FITNESS FOR A PARTICULAR PURPOSE.

IN NO EVENT SHALL FFL The Winners Circle BE LIABLE FOR ANY DIRECT, INDIRECT, SPECIAL, CONSEQUENTIAL, OR INCIDENTAL DAMAGES (INCLUDING, WITHOUT LIMITATION, LOST PROFITS OR REVENUES, BUSINESS INTERRUPTION, COSTS OF REPLACEMENT GOODS, LOSS OR DAMAGE TO DATA ARISING OUT OF THE USE OR INABILITY TO USE THIS SITE OR ANY FFL The Winners Circle PRODUCT OR SERVICE, DAMAGES RESULTING FROM USE OF OR RELIANCE ON THE INFORMATION PRESENT, EVEN IF FFL The Winners Circle HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. BECAUSE SOME JURISDICTIONS PROHIBIT THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, THE ABOVE LIMITATION MAY NOT APPLY TO YOU.

INDEMNIFICATION

UPON A REQUEST BY FFL The Winners Circle, YOU AGREE TO DEFEND, INDEMNIFY, AND HOLD HARMLESS FFL The Winners Circle AND ITS AFFILIATES, AGENTS, OR OTHER BUSINESS PARTNERS, AND ITS AND THEIR EMPLOYEES, CONTRACTORS, OFFICERS, AND DIRECTORS FROM ALL LIABILITIES, CLAIMS, AND EXPENSES, INCLUDING ATTORNEY’S FEES THAT ARISE FROM YOUR USE OR MISUSE OF THIS SITE.

FFL The Winners Circle RESERVES THE RIGHT, AT IT OWN EXPENSE, TO ASSUME THE EXCLUSIVE DEFENSE AND CONTROL OF ANY MATTER OTHERWISE SUBJECT TO INDEMNIFICATION BY YOU, IN WHICH EVENT YOU AGREE TO COOPERATE WITH FFL The Winners Circle IN ASSERTING ANY AVAILABLE DEFENSES.

GENERAL PROVISIONS

Except as otherwise specified herein, these Terms and Conditions of Use constitute the entire agreement between you and FFL The Winners Circle with respect to your use of this Web Site and supersedes all prior communications and proposals (whether oral, written, or electronic) between you and FFL The Winners Circle with respect to use of this Web Site. Any rights not otherwise expressly granted by this Agreement are reserved by FFL The Winners Circle.

The failure of FFL The Winners Circle to exercise or enforce any right or provision of the Terms and Conditions of Use shall not constitute a waiver of such right or provision.

If any part of these Terms and Conditions of Use is held invalid or unenforceable, by a court of competent jurisdiction, that portion shall be construed in a manner consistent with applicable law to reflect, as nearly as possible, the original intentions of the parties, and the remaining portions shall remain in full force and effect.

CHANGE IN POLICY

By accessing or using this Website you agree that you have read, understand and agree to be bound by these Terms and Conditions of Use. Please note that

FFL The Winners Circle reserves the right to update and change these Terms and Conditions of Use from time to time at its sole discretion. Please check the Terms and Conditions of Use periodically for changes. Your continued use of this Web Site following the posting of any changes to the Terms and Conditions of Use will confirm your acceptance of those changes. In the case of any violation of these Terms and Conditions of Use, FFL The Winners Circle reserves the right to seek all remedies available in law and equity for such violations.

CHOICE OF LAW

These Terms and Conditions of Use shall be governed by and construed in accordance with applicable United States federal law, without reference to “conflicts of laws” provisions or principles.

SLACK CHANNEL USE

Users agree to not share any information posted on the FFL The Winners Circle Slack Group, ffl320lifesolutions.slack.com, on any social media platform that includes any personal social media accounts.

We are committed to protecting the privacy of any personal information you provide to us when you use the site. Please see our

for details. This includes and incorporates by reference the FFL The Winners Circle privacy policy.