Last Updated: March 14, 2026

1. INTRODUCTION Welcome to www.FischerDave.com. These Terms and Conditions govern your use of this website and the Life Agent Clarity Academy. By accessing this site, you agree to these terms in full. If you disagree, you must not use this website.

2. NO PROFESSIONAL ADVICE The information provided within the Life Agent Clarity Academy is for educational and informational purposes only. David Fischer is not a legal, financial, or tax advisor. You are encouraged to consult with your own professional advisors and comply with your specific State Department of Insurance regulations.

3. ACADEMY MEMBERSHIP & CONDUCT We provide a community for life insurance agents to gain clarity. We reserve the right to terminate access to any user who:

• Promotes multi-level marketing (MLM) schemes or "traps" within the community.

• Engages in predatory recruiting of other members.

• Shares proprietary Academy materials without written consent.

4. INTELLECTUAL PROPERTY Unless otherwise stated, David Fischer owns the intellectual property rights for all material on www.FischerDave.com. All rights are reserved. You may view or print pages for your own personal use, but you may not republish, sell, or duplicate our training content.

5. LIMITATION OF LIABILITY In no event shall David Fischer or www.FischerDave.com be liable for any business failures, loss of commissions, or legal issues arising from your use of the strategies taught in the Academy. You operate your insurance business at your own risk.

6. PLATFORM DISCLAIMER This site is not a part of, or endorsed by, TikTok, Meta (Facebook/Instagram), or Google. You agree to hold us harmless from any platform-related account issues.

2. Full Privacy Policy

Effective Date: March 14, 2026

1. DATA COLLECTION We collect personal information (name, email, phone) that you voluntarily provide to us. We also collect "Technical Data" via cookies and pixels.

2. TRACKING TECHNOLOGIES (PIXELS) We use the following tools to optimize your experience and our advertising:

• Meta Pixel: To track conversions from Facebook and Instagram.

• TikTok Pixel: To measure the effectiveness of our TikTok content.

• Google Analytics: To understand site traffic. By using this site, you consent to the collection of data by these third-party platforms for retargeting and analytics.

3. HOW WE USE YOUR DATA Your data is used to:

• Deliver Academy training and updates.

• Send marketing communications (which you can opt-out of at any time).

• Improve our website and protect against fraudulent activity.

4. THIRD-PARTY DISCLOSURE We do not sell your data. We only share data with service providers (like email hosts) necessary to run our business. We are not responsible for the privacy practices of TikTok, Facebook, or other external links.

5. YOUR RIGHTS You have the right to request access to your data or ask for its deletion. For any data-related requests, contact hello@fischerdave.com.

3. Earnings Disclaimer

© 2026 www.FischerDave.com

1. ASPIRATIONAL STATEMENTS ONLY Any earnings or income statements made by David Fischer, the Life Agent Clarity Academy, or its testimonials are aspirational statements only. We do not guarantee that you will earn any money using our strategies.

2. NON-TYPICAL RESULTS Success stories and testimonials shared on this site represent exceptional results and are not "typical." Most people who follow "how-to" information get little to no results. Your success depends on your work ethic, experience, and the specific market conditions of the insurance industry.

3. INDIVIDUAL CAPACITY The insurance industry involves inherent risks. Your results will vary based on your ability to pass licensing exams, your sales skills, the quality of your leads, and your persistence.

4. DUE DILIGENCE You are responsible for your own due diligence. You agree that www.FischerDave.com is not liable for any success or failure of your business that is directly or indirectly related to the purchase and use of our information, products, and services.

Effective Date: March 14, 2026

At www.FischerDave.com, owned and operated by David Fischer, your privacy is our priority. This Privacy Policy explains how we collect, use, and protect your information when you visit our website, sign up for the Life Agent Clarity Academy, or interact with our digital content.

1. INFORMATION WE COLLECT

We collect information that you voluntarily provide to us, as well as data collected automatically through technology.

• Personal Data: Name, email address, phone number, and professional status (e.g., licensed agent status).

• Technical Data: IP address, browser type, device information, and operating system.

• Usage Data: Information about how you navigate our site, which pages you view, and the time spent on our platform.

2. TRACKING TECHNOLOGIES (PIXELS & COOKIES)

To provide a personalized experience and measure the effectiveness of our marketing, we use the following:

• Meta Pixel (Facebook/Instagram): We use the Meta Pixel to track conversions, build targeted audiences, and provide relevant advertising on Meta platforms.

• TikTok Pixel: We use the TikTok Pixel to understand user behavior and measure the performance of our TikTok advertising campaigns.

• Google Analytics: We use this to analyze site traffic and user demographics.

• Cookies: Small data files stored on your browser to remember your preferences.

How to Opt-Out: You can set your browser to refuse all or some cookies. To opt-out of interest-based advertising, visit the settings in your Facebook, Instagram, or TikTok accounts, or use the Network Advertising Initiative opt-out page.

3. HOW WE USE YOUR INFORMATION

We use your data for the following purposes:

• To grant you access to the Life Agent Clarity Academy.

• To send you educational resources, industry updates, and marketing communications.

• To monitor for and prevent "MLM-style" predatory recruiting or fraudulent activity within our community.

• To optimize our advertising spend on social media platforms.

4. DATA SHARING AND DISCLOSURE

We do not sell, trade, or rent your personal data to third parties. We only share information with trusted service providers (such as email marketing platforms and hosting providers) who assist us in operating our business, provided they agree to keep your information confidential.

Legal Disclaimer: This site is not a part of the TikTok, Facebook, or Instagram websites. Your data is managed by www.FischerDave.com and is not endorsed or administered by these platforms.

5. DATA SECURITY

We implement industry-standard security measures to protect your personal information. However, no method of transmission over the Internet is 100% secure. While we strive to protect your data, we cannot guarantee its absolute security.

6. YOUR DATA RIGHTS (CCPA/GDPR)

Depending on your residency, you may have the right to:

• Access: Request a copy of the data we hold about you.

• Correction: Request that we update or fix inaccurate information.

• Deletion: Request that we "forget" or delete your personal data.

• Opt-Out: Unsubscribe from our marketing list at any time via the "Unsubscribe" link in any email.

7. CHANGES TO THIS POLICY

We reserve the right to update this Privacy Policy at any time. Any changes will be posted on this page with an updated "Effective Date."

8. CONTACT US

If you have questions about this Privacy Policy or our data practices, please contact us at:

David Fischer Website: www.FischerDave.com Email: hello@fischerdave.com

Last Updated: March 14, 2026

1. FOR EDUCATIONAL AND INFORMATIONAL PURPOSES ONLY

The information contained on www.FischerDave.com and within the Life Agent Clarity Academy (the "Academy") is for educational and informational purposes only. David Fischer and all associated parties are not financial advisors, legal professionals, or tax experts.

2. NO GUARANTEES OF INCOME

Earnings and income representations made by www.FischerDave.com, its programs, and any associated products or services are aspirational statements only regarding potential earnings. There is no guarantee that you will earn any money using the techniques and ideas in these materials.

When we present revenue figures or "success stories," we are showcasing exceptional results. Success stories and testimonials are non-typical results and are not intended to guarantee that you or others will achieve the same outcomes.

3. THE "HARD WORK" DISCLOSURE (FTC COMPLIANCE)

The life insurance industry is commission-based and involves significant effort. Individual results will vary and depend entirely on your:

• Individual capacity and sales skill.

• Work ethic and persistence.

• Business experience and level of motivation.

• The economy and local market conditions.

• Normal and unforeseen risks of doing business.

We do not track the typical earnings of our students or community members, as many individuals do not implement the strategies taught. Therefore, we cannot provide "average" or "typical" earnings data.

4. FORWARD-LOOKING STATEMENTS

Any information found within our materials that contains "forward-looking" statements—which give our expectations or forecasts of future events—can be identified by words such as "anticipate," "estimate," "expect," "project," "intend," "plan," "believe," and other words of similar meaning. Any and all forward-looking statements here or on any of our sales material are intended to express our opinion of earnings potential.

5. DUE DILIGENCE

You are solely responsible for your own decisions and outcomes. The evaluation and use of our products and services should be based on your own due diligence. By using our services, you agree that David Fischer and www.FischerDave.com are not liable for the success or failure of your business.

6. CONTACT US

If you have questions regarding this disclaimer, please contact us at: Email: hello@fischerdave.com