PRIVACY POLICY - Effective Date: October 9, 2025

Smart Annuity Edge (SAE4U.com) (“we,” “our,” or “us”) is committed to protecting your privacy. This Privacy Policy describes how we collect, use, and safeguard your information when you visit our website [www.sae4u.com] or use our services.

1. Information We Collect

We may collect the following types of information:

Personal Information: Such as your name, email address, phone number, and business affiliation when voluntarily submitted through forms.Financial Information: If applicable, information related to your professional or client use of the SAE4U tools.Usage Data: Includes browser type, device information, IP address, pages visited, and time spent on the website.Mobile Information: Including mobile numbers when opted-in for SMS/text communications.

2. How We Use Your Information

We use the information we collect to:

Provide and maintain our services,Communicate with you, including sending reminders, updates, and customer service messages,Improve our website and offerings,Comply with legal obligations

3. Text Messaging and Mobile Information

Important Disclosure:

No mobile information will be shared with third parties/affiliates for marketing/promotional purposes. Information sharing to subcontractors in support services, such as customer service, is permitted. All other use case categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.

4. Information Sharing and Disclosure

We do not sell, rent, or trade your personal information. We may share information with:

Service Providers/Subcontractors who assist in operating our website, conducting our business, or servicing you (e.g., CRM platforms, email services), and only for the purpose of providing services on our behalf.Legal Obligations: If required by law, subpoena, or governmental request.Business Transfers: In the event of a merger, acquisition, or sale of assets, your data may be transferred as part of that transaction, subject to this Privacy Policy.

5. Cookies and Tracking

Our website uses cookies to enhance user experience, track visitor behavior, and collect analytical data. You may disable cookies through your browser settings, though some features may be limited.

6. Data Security

We implement commercially reasonable measures to protect your information from unauthorized access, disclosure, alteration, or destruction. However, no method of transmission over the Internet or electronic storage is 100% secure.

7. Your Rights and Choices

You may opt out of email communications at any time by clicking the unsubscribe link in our messages. To opt out of SMS communications, reply “STOP” to any message.

You can request access to or deletion of your personal data by contacting us at: [email protected]

8. Children’s Privacy

Our website and services are not intended for children under the age of 13. We do not knowingly collect personal data from minors.

9. Changes to This Privacy Policy

We reserve the right to modify this Privacy Policy at any time. We will notify users of significant changes by posting a notice on our website and updating the effective date.

10. Contact Us

If you have any questions about this Privacy Policy, please contact: [email protected]

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TERMS OF SERVICE - Effective Date: October 9, 2025

These Terms of Use (“Terms”) govern your access to and use of our website located at [www.sae4u.com]

and any associated content, services, tools, or materials (collectively, the “Site”).

By accessing or using the Site, you agree to be bound by these Terms.

If you do not agree, do not use this Site.

1. Use of the Site

You agree to use the Site only for lawful purposes and in accordance with these Terms.

You may not use the Site:

To violate any applicable laws or regulations. To infringe upon the rights of others. To transmit unauthorized or unsolicited promotional material. To attempt to interfere with the proper functioning of the Site

We reserve the right to terminate your access to the Site if you violate any of these terms.

2. Intellectual Property

All content, features, and functionality on this Site—including but not limited to software, text, images, video, graphics, logos, trademarks, and the C2NR tool—are the exclusive property of Kothe Enterprise Network, LLC or its licensors. You may not copy, reproduce, distribute, modify, or create derivative works without prior written consent.

3. Disclaimer of Warranties

The Site and its contents are provided on an “AS IS” and “AS AVAILABLE” basis. We make no warranties or guarantees about the accuracy, completeness, or reliability of the content or services provided.

To the fullest extent permitted by law, C2NR disclaims all warranties, express or implied, including warranties of merchantability, fitness for a particular purpose, and non-infringement.

4. Limitation of Liability

To the maximum extent permitted by law, C2NR shall not be liable for any indirect, incidental, special, consequential, or punitive damages resulting from your use of or inability to use the Site, even if we have been advised of the possibility of such damages.

5. User Data & Privacy

Use of this Site is also governed by our Privacy Policy, which you can review here or via the Site. By using the Site, you consent to the collection and use of your data in accordance with that policy.

6. Third-Party Links and Services

The Site may contain links to third-party websites or services. C2NR is not responsible for the content, terms, or privacy policies of any third parties. Access such links at your own risk.

7. Modifications to Terms

We reserve the right to revise these Terms at any time without prior notice. Continued use of the Site after any changes constitutes your acceptance of the new Terms. We encourage users to check this page periodically for updates.

8. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Arizona, without regard to its conflict of law principles. Any disputes arising from these Terms or your use of the Site shall be resolved exclusively in the state or federal courts located in Maricopa County, Arizona.

9. Contact Information

If you have any questions or concerns about these Terms, please contact us at: [email protected]

You can cancel the SMS service at any time. Just text "STOP" to the [Phone Number]. After you send the SMS message "STOP" to us, we will send you an SMS message to confirm that you have been unsubscribed.

After this, you will no longer receive SMS messages from us. If you want to join again, just sign up as you did the first time and we will start sending SMS messages to you again.

If you are experiencing issues with the messaging program you can reply with the keyword HELP for more assistance, or you can get help directly at [support email address or toll-free number].

Carriers are not liable for delayed or undelivered messages

As always, message and data rates may apply for any messages sent to you from us and to us from you. You will receive [message frequency]. If you have any questions about your text plan or data plan, it is best to contact your wireless provider.