Terms and Conditions

Agreement between

User and https://go-excel.com

Welcome to https://go-excel.com. The https://go-excel.com

website (the "Site") is comprised of various web pages operated by

Excel Media Company, Inc ("Excel Media Company").

https://go-excel.com is offered to you conditioned on your acceptance without

modification of the terms, conditions, and notices contained herein (the

"Terms"). Your use of https://go-excel.com constitutes your agreement

to all such Terms. Please read these terms carefully, and keep a copy of them

for your reference.

https://go-excel.com is a News and Information Site.

This website is intended to provide financial/insurance

industry-related information and allow for users to request our services. Our

services include financial consulting, marketing consulting, advisor training,

and lead generation.

Privacy

Your use of https://go-excel.com is subject to Excel Media

Company's Privacy Policy. Please review our Privacy Policy, which also governs

the Site and informs users of our data collection practices.

Electronic

Communications

Visiting https://go-excel.com or sending emails to Excel

Media Company 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

Excel Media Company 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 https://go-excel.com only with permission of a

parent or guardian.

Links to Third Party

Sites/Third Party Services

https://go-excel.com may contain links to other websites

("Linked Sites"). The Linked Sites are not under the control of Excel

Media Company and Excel Media Company 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. Excel Media Company is

providing these links to you only as a convenience, and the inclusion of any

link does not imply endorsement by Excel Media Company of the site or any

association with its operators.

Certain services made available via https://go-excel.com are

delivered by third party sites and organizations. By using any product, service

or functionality originating from the https://go-excel.com domain, you hereby

acknowledge and consent that Excel Media Company may share such information and

data with any third party with whom Excel Media Company has a contractual

relationship to provide the requested product, service or functionality on

behalf of https://go-excel.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 https://go-excel.com strictly in accordance with

these terms of use. As a condition of your use of the Site, you warrant to

Excel Media Company 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 Excel Media Company 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. Excel Media

Company 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

Excel Media Company 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 Excel Media

Company or our licensors except as expressly authorized by these Terms.

Use of Communication

Services

The Site may contain bulletin board services, chat areas,

news groups, forums, communities, personal web pages, calendars, and/or other

message or communication facilities designed to enable you to communicate with

the public at large or with a group (collectively, "Communication

Services"). You agree to use the Communication Services only to post, send

and receive messages and material that are proper and related to the particular

Communication Service.

By way of example, and not as a limitation, you agree that

when using a Communication Service, you will not: defame, abuse, harass, stalk,

threaten or otherwise violate the legal rights (such as rights of privacy and

publicity) of others; publish, post, upload, distribute or disseminate any

inappropriate, profane, defamatory, infringing, obscene, indecent or unlawful

topic, name, material or information; upload files that contain software or

other material protected by intellectual property laws (or by rights of privacy

of publicity) unless you own or control the rights thereto or have received all

necessary consents; upload files that contain viruses, corrupted files, or any

other similar software or programs that may damage the operation of another's

computer; advertise or offer to sell or buy any goods or services for any

business purpose, unless such Communication Service specifically allows such

messages; conduct or forward surveys, contests, pyramid schemes or chain

letters; download any file posted by another user of a Communication Service

that you know, or reasonably should know, cannot be legally distributed in such

manner; falsify or delete any author attributions, legal or other proper

notices or proprietary designations or labels of the origin or source of

software or other material contained in a file that is uploaded; restrict or

inhibit any other user from using and enjoying the Communication Services;

violate any code of conduct or other guidelines which may be applicable for any

particular Communication Service; harvest or otherwise collect information

about others, including e-mail addresses, without their consent; violate any

applicable laws or regulations.

Excel Media Company has no obligation to monitor the

Communication Services. However, Excel Media Company reserves the right to

review materials posted to a Communication Service and to remove any materials

in its sole discretion. Excel Media Company reserves the right to terminate

your access to any or all of the Communication Services at any time without

notice for any reason whatsoever.

Excel Media Company reserves the right at all times to

disclose any information as necessary to satisfy any applicable law,

regulation, legal process or governmental request, or to edit, refuse to post

or to remove any information or materials, in whole or in part, in Excel Media

Company's sole discretion.

Always use caution when giving out any personally

identifying information about yourself or your children in any Communication

Service. Excel Media Company does not control or endorse the content, messages

or information found in any Communication Service and, therefore, Excel Media

Company specifically disclaims any liability with regard to the Communication

Services and any actions resulting from your participation in any Communication

Service. Managers and hosts are not authorized Excel Media Company spokespersons,

and their views do not necessarily reflect those of Excel Media Company.

Materials uploaded to a Communication Service may be subject

to posted limitations on usage, reproduction and/or dissemination. You are

responsible for adhering to such limitations if you upload the materials.

Materials Provided to

https://go-excel.com or Posted on Any Excel Media Company Web Page

Excel Media Company does not claim ownership of the

materials you provide to https://go-excel.com (including feedback and

suggestions) or post, upload, input or submit to any Excel Media Company Site

or our associated services (collectively "Submissions"). However, by

posting, uploading, inputting, providing or submitting your Submission you are

granting Excel Media Company, our affiliated companies and necessary

sublicensees permission to use your Submission in connection with the operation

of their Internet businesses including, without limitation, the rights to:

copy, distribute, transmit, publicly display, publicly perform, reproduce,

edit, translate and reformat your Submission; and to publish your name in

connection with your Submission.

No compensation will be paid with respect to the use of your

Submission, as provided herein. Excel Media Company is under no obligation to

post or use any Submission you may provide and may remove any Submission at any

time in Excel Media Company's sole discretion.

By posting, uploading, inputting, providing or submitting

your Submission you warrant and represent that you own or otherwise control all

of the rights to your Submission as described in this section including,

without limitation, all the rights necessary for you to provide, post, upload,

input or submit the Submissions.

International Users

The Service is controlled, operated and administered by

Excel Media Company 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 Excel Media Company Content

accessed through https://go-excel.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 Excel Media

Company, 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. Excel Media Company 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 Excel Media Company in asserting any available defenses.

Arbitration

In the event the parties are not able to resolve any dispute

between them arising out of or concerning these Terms and Conditions, or any

provisions hereof, whether in contract, tort, or otherwise at law or in equity

for damages or any other relief, then such dispute shall be resolved only by

final and binding arbitration pursuant to the Federal Arbitration Act,

conducted by a single neutral arbitrator and administered by the American

Arbitration Association, or a similar arbitration service selected by the

parties, in a location mutually agreed upon by the parties. The arbitrator's

award shall be final, and judgment may be entered upon it in any court having

jurisdiction. In the event that any legal or equitable action, proceeding or

arbitration arises out of or concerns these Terms and Conditions, the

prevailing party shall be entitled to recover its costs and reasonable

attorney's fees. The parties agree to arbitrate all disputes and claims in

regards to these Terms and Conditions or any disputes arising as a result of

these Terms and Conditions, whether directly or indirectly, including Tort

claims that are a result of these Terms and Conditions. The parties agree that

the Federal Arbitration Act governs the interpretation and enforcement of this

provision. The entire dispute, including the scope and enforceability of this

arbitration provision shall be determined by the Arbitrator. This arbitration

provision shall survive the termination of these Terms and Conditions.

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 Excel

Media Company 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. EXCEL MEDIA

COMPANY, INC AND/OR ITS SUPPLIERS MAY MAKE IMPROVEMENTS AND/OR CHANGES IN THE

SITE AT ANY TIME.

EXCEL MEDIA COMPANY, INC 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. EXCEL MEDIA COMPANY, INC 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 EXCEL MEDIA COMPANY, INC 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 EXCEL MEDIA COMPANY, INC 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

Excel Media Company 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 South

Carolina and you hereby consent to the exclusive jurisdiction and venue of

courts in South Carolina 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 Excel Media Company as a result of

this agreement or use of the Site. Excel Media Company's performance of this

agreement is subject to existing laws and legal process, and nothing contained

in this agreement is in derogation of Excel Media Company'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 Excel Media

Company 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 Excel Media Company with

respect to the Site and it supersedes all prior or contemporaneous

communications and proposals, whether electronic, oral or written, between the

user and Excel Media Company 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

Excel Media Company reserves the right, in its sole

discretion, to change the Terms under which https://go-excel.com is offered.

The most current version of the Terms will supersede all previous versions.

Excel Media Company encourages you to periodically review the Terms to stay

informed of our updates.

Contact Us

Excel Media Company welcomes your questions or comments

regarding the Terms:

Excel Media Company, Inc

1985 Riviera Dr., Ste. 103-1034

Mount Pleasant, South Carolina 29464

Email Address:

go.excelmedia@gmail.com

Telephone number:

8432562495

Effective as of January 19, 2024