SS COLLECTIVE TERMS OF SERVICE Effective Date: September 4, 2026 Last Updated: September 4, 2026 These Terms of Service (“Terms”) govern your use of the SS Collective website, content, educational resources, digital products, consultations, and related services. By accessing this website, purchasing a digital product, scheduling a consultation, submitting information, or otherwise using our website or services, you agree to these Terms. 1. About SS Collective SS Collective is an independently owned California sole proprietorship providing insurance services, financial education and preparedness resources, retirement-related education and solutions, transition and wealth-preservation education, cremation pre-planning assistance, consultations, digital educational resources, and related services. **California Insurance License: 0I34902** Availability of particular insurance products or services depends upon licensing, carrier availability, eligibility, jurisdiction, underwriting, and other applicable requirements. 2. Scope of Financial Services SS Collective provides insurance services, retirement-related insurance solutions, financial education, and financial preparedness strategies within the scope of applicable insurance licensing. SS Collective does not provide securities or investment advisory services and does not provide legal, accounting, or tax advice. Educational discussions regarding financial concepts, retirement preparedness, tax diversification, or the tax treatment commonly associated with certain insurance products are provided for informational purposes and should not be considered individualized legal, accounting, or tax advice. Insurance recommendations and retirement-related insurance solutions may be provided within the scope of applicable insurance licensing. Clients should consult an appropriately qualified professional when their circumstances require legal, accounting, tax, securities, or investment advisory services. 3. Insurance Services Insurance-related information presented through SS Collective is subject to applicable licensing requirements, carrier rules, underwriting, product availability, and state law. A quote, illustration, estimate, discussion, recommendation, application, or website submission **does not constitute insurance coverage**. Coverage exists only when properly issued or otherwise placed into force by the applicable insurance carrier according to its requirements. Insurance premiums, benefits, underwriting decisions, policy terms, exclusions, riders, rates, guarantees, and availability are determined by the applicable insurance carrier and governing contract. Users should review actual policy documents carefully before making a purchasing decision. 4. Financial and Retirement Education Financial concepts, retirement strategies, calculators, examples, illustrations, and educational materials may involve assumptions and hypothetical scenarios. They are intended to assist consumers in understanding concepts and evaluating potential options. Unless specifically stated otherwise in connection with an appropriately authorized service, such information is not individualized securities or investment advice. Past performance, illustrations, examples, hypothetical outcomes, or educational projections do not guarantee future results. 5. Cremation Pre-Planning SS Collective may provide education and assistance concerning cremation pre-planning and may connect consumers with or facilitate access to third-party providers. Specific cremation plans, services, guarantees, pricing, financing, cancellation provisions, portability, merchandise, and other benefits are governed by the applicable provider's contracts and disclosures. Website information does not replace the terms of the actual pre-need or service agreement. 6. Consultations and Appointments Scheduling a consultation does not obligate either party to enter into a transaction. Users agree to provide accurate information when scheduling appointments or requesting services. SS Collective reserves the right to reschedule, decline, or discontinue a consultation or service when reasonably appropriate. Recommendations, if any, depend upon the information provided. Incomplete or inaccurate information may affect the appropriateness of any discussion or recommendation. 7. Digital Products SS Collective may sell or distribute downloadable guides, workbooks, educational materials, templates, journals, courses, or other digital products. Digital products are provided for the purchaser's personal, non-commercial use unless otherwise expressly authorized in writing. Purchasing a digital product does **not** transfer ownership of its intellectual property. You may not reproduce, resell, redistribute, publish, upload, share, sublicense, modify for resale, or commercially exploit a digital product without prior written authorization from SS Collective. 8. Digital Product Sales and Refunds Because digital products may be immediately accessed, downloaded, or delivered electronically, **digital-product sales are generally final once access or delivery has occurred**, except where otherwise required by law or expressly stated at the time of purchase. If you experience a technical problem accessing a purchased product, contact SS Collective so reasonable efforts can be made to resolve the issue. Any different refund or satisfaction policy expressly stated on a particular product's sales page will control for that product. 9. No Guarantee of Results SS Collective provides education, strategies, resources, products, and services intended to help consumers make informed decisions. However, individual circumstances vary. We do not guarantee any particular financial outcome, savings amount, investment or retirement result, insurance approval, premium, business outcome, income level, wealth accumulation, tax result, or other result merely from using our website, products, education, or services. Testimonials, examples, case studies, and client experiences reflect individual circumstances and should not be interpreted as promises that another person will achieve identical results. 10. Calculators and Illustrations Calculators, projections, examples, or other interactive tools appearing on this website are provided for general educational purposes. Results may be based upon assumptions and information entered by the user and should not be considered guarantees, quotes, offers, contracts, or individualized financial advice. Actual results may differ materially. 11. Intellectual Property Unless otherwise indicated, the website's original content, branding, graphics, educational frameworks, written materials, digital products, downloads, presentations, videos, designs, and other proprietary materials are owned by or licensed to SS Collective and are protected by applicable intellectual-property laws. This includes SS Collective proprietary branding and original branded concepts, including **Solo-Parent-Preneur™**, to the extent protected under applicable law. Nothing in these Terms grants permission to reproduce or commercially exploit SS Collective intellectual property without written authorization. 12. Acceptable Website Use You agree not to: * Use the website for unlawful purposes; * Attempt unauthorized access to website systems; * Interfere with website security or operation; * Copy or scrape protected content for unauthorized commercial use; * Misrepresent your identity; * Submit fraudulent information; * Distribute malicious software; or * Use SS Collective intellectual property in a manner likely to create confusion regarding sponsorship, ownership, or affiliation. 13. Third-Party Services and Links SS Collective may provide links or access to insurance carriers, payment processors, booking systems, social-media platforms, financial institutions, cremation providers, or other third-party services. Third parties operate independently and may maintain their own terms, privacy policies, eligibility requirements, and contractual obligations. SS Collective is not responsible for the content, availability, security, policies, or independent acts of third-party websites or platforms. 14. Website Availability and Accuracy We strive to provide useful and accurate information but do not warrant that every page, price, description, calculation, link, or piece of information will always be complete, current, error-free, or continuously available. We may modify, correct, suspend, or discontinue website content or functionality at any time. 15. Limitation of Liability To the fullest extent permitted by applicable law, SS Collective and its owner, contractors, representatives, and affiliates will not be liable for indirect, incidental, special, consequential, exemplary, or punitive damages arising solely from use of, or inability to use, this website or its general educational content. Nothing in these Terms is intended to exclude liability that cannot legally be excluded or limited. Nothing in this section modifies obligations expressly created under an insurance policy or other separate written contract issued by a third-party provider. 16. Indemnification To the extent permitted by law, you agree to indemnify and hold harmless SS Collective and its owner, representatives, and contractors from claims, damages, liabilities, or reasonable expenses arising from your unlawful misuse of the website, violation of these Terms, infringement of another person's rights, or unauthorized use or distribution of SS Collective intellectual property. 17. Privacy Use of personal information is governed by the SS Collective Privacy Policy. The Privacy Policy should be reviewed together with these Terms. 18. Changes to These Terms SS Collective may update these Terms periodically. Revised Terms become effective when posted unless otherwise stated. Continued use of the website after an update constitutes acceptance of the then-current Terms to the extent permitted by law. 19. Governing Law These Terms are governed by the laws of the State of California, without regard to conflict-of-law principles. Any dispute concerning these Terms will be subject to applicable California and federal law and the jurisdiction of courts having lawful authority over the dispute. 20. Severability If any provision of these Terms is determined to be invalid or unenforceable, the remaining provisions will continue in effect to the fullest extent permitted by law. 21. Entire Agreement These Terms, together with the Privacy Policy and any separate written agreement applicable to a specific product or service, constitute the applicable agreement concerning use of this website. If a separately executed insurance, financial-product, cremation, or other provider agreement conflicts with these website Terms regarding that specific product, the applicable product/provider agreement controls. 22. Contact Questions regarding these Terms may be directed to: SS Collective PO Box 5522 Concord, CA 94524 Email:[info@thesscollective.com](mailto:info@thesscollective.com) CA Insurance License: 0I34902