1. Introduction By opting into Active Agents campaign, you agree to these Terms and Conditions. Please read them carefully.

2. Participation Participation in this SMS campaign is completely free. However, message and data rates may apply based on your mobile carrier's plan.

3. Opt-In and Opt-Out

Opt-In: To join the SMS campaign, text START to +16023391370 or verbally approve in person or use online form. Opt-Out: To stop receiving messages, text STOP to +16023391370 at any time. You will receive a confirmation message that you have been unsubscribed. 4. Message Frequency Participants will receive up to 100 messages per week: updates, promotions, and related information.

5. Privacy Your privacy is important to us. Please review our Privacy Policy https://www.reachtheapp.com/10dlc/policies/1720/63ae3d5b-d0c4-437b-aefc-ea2bb9b2bafb for information on how we collect, use, and protect your personal data.

6. Limitation of Liability We are not responsible for any technical issues, including but not limited to SMS delivery failures, mobile carrier issues, or any other technical malfunctions. By participating, you agree that we will not be liable for any direct, indirect, incidental, special, or consequential damages resulting from the use of the information or services provided through this SMS campaign.

7. Changes to Terms and Conditions We may update these Terms and Conditions from time to time. We will notify you of any changes by posting the new Terms and Conditions on our website.

8. Governing Law These Terms and Conditions are governed by and construed in accordance with the laws of Arizona, USA, without regard to its conflict of law principles.

9. Contact Us If you have any questions or concerns about these Terms and Conditions, please contact us at Marc@rubinfinancialgroup.com

Last edited at: 04/12/2026

1. Introduction We value your privacy and are committed to protecting your personal information. This Privacy Policy explains how we collect, use, and safeguard your data when you participate in the Active Agents campaign.

2. Information We Collect

Personal Information: When you opt-in to our SMS campaign, we collect your phone number and any other information you provide, such as your name or email address. Usage Data: We may collect information about how you interact with our messages, such as message opens, links clicked, and responses to messages.

3. How We Use Your Information Communication: To send you updates, promotions, and information about Rubin Financial Group . Customer Service: To respond to your inquiries and provide assistance. Improvement: To improve our services and tailor our communications to your preferences.

4. Data Sharing and Disclosure We do not sell, trade, or otherwise transfer your personal information to outside parties for any purposes. No mobile information will be shared with third parties or affiliates for marketing or promotional purposes. All the above categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.

5. Data Security We implement a variety of security measures to maintain the safety of your personal information. However, no method of transmission over the internet or electronic storage is 100% secure.

6. Your Choices Opt-Out: You can opt-out of our SMS campaign at any time by texting STOP to +16023391370. Information Access: You can request access to the personal information we hold about you and request that we correct or delete it.

7. Changes to This Privacy Policy We may update this Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on our website.

8. Contact Us If you have any questions about this Privacy Policy, please contact us at Marc@rubinfinancialgroup.com.