TERMS AND CONDITIONS AGREEMENT

Effective Date: 04/01/2026

Welcome to Kam Financial Group, LUX Global Enterprise, Total CRM Systems, and affiliated entities (“Company,” “we,” “our,” or “us”). These Terms and Conditions govern your use of our services, platforms, software, and business opportunities.

By accessing or using our services, you agree to be bound by these Terms.

## 1. SERVICES PROVIDED

We provide services including but not limited to:

- Tax preparation and financial services  
- Business setup and consulting  
- CRM software access and automation tools  
- Marketing, lead generation, and communication systems  
- Training, coaching, and business opportunities  
- Client portal access and document management  

Services may be updated, modified, or discontinued at any time.

## 2. USER RESPONSIBILITIES

By using our services, you agree to:

- Provide accurate and complete information  
- Maintain the confidentiality of your account credentials  
- Use our systems lawfully and ethically  
- Not misuse, duplicate, or resell services without authorization  

You are responsible for all activity under your account.

## 3. PAYMENTS & FEES

- All payments are due as agreed upon at the time of purchase  
- Fees may include setup, subscription, service, or licensing fees  
- Certain services may be non-refundable unless otherwise stated  
- Late or failed payments may result in suspension or termination  

## 4. COMMISSIONS & BUSINESS OPPORTUNITIES

For agents, affiliates, and partners:

- Compensation structures (including commissions) will be outlined separately  
- Earnings are not guaranteed and depend on performance  
- The Company reserves the right to modify compensation plans  

## 5. INTELLECTUAL PROPERTY

All content, systems, software, branding, and materials provided by the Company remain our property.

You may not:
- Copy, distribute, or reproduce any materials  
- Reverse engineer or misuse proprietary systems  

## 6. DATA PRIVACY & GDPR COMPLIANCE

We are committed to protecting your personal data in accordance with applicable laws, including the General Data Protection Regulation (GDPR).

By using our services, you consent to:

- Collection and processing of your data  
- Communication via email, phone, and SMS  
- Secure storage and usage of your information  

You have the right to access, correct, transfer, or request deletion of your data at any time.

## 7. COMMUNICATION CONSENT

By providing your contact information, you agree to receive:

- Service updates  
- Appointment reminders  
- Marketing communications  

You may opt out at any time by contacting us or following unsubscribe instructions.

## 8. LIMITATION OF LIABILITY

We are not liable for:

- Indirect or consequential damages  
- Loss of income, data, or business opportunities  
- Third-party service interruptions  

All services are provided “as is” without guarantees of specific results.

## 9. THIRD-PARTY SERVICES

Our platform may integrate with third-party services (e.g., SMS providers, payment processors).

We are not responsible for:
- Third-party performance or outages  
- Data handling outside our systems  

## 10. TERMINATION

We reserve the right to suspend or terminate access if:

- Terms are violated  
- Fraudulent or unlawful activity is suspected  
- Payments are not fulfilled  

## 11. MODIFICATIONS

We may update these Terms at any time. Continued use of our services constitutes acceptance of any changes.

## 12. GOVERNING LAW

These Terms shall be governed by the laws of the State of Florida, United States.

## 13. CONTACT INFORMATION

For questions or concerns regarding these Terms, please contact:

Kam Financial Group  
Email: csr@kamfinancialgroup.com  
Phone: 800-498-3147  

By using our services, you acknowledge that you have read, understood, and agreed to these Terms and Conditions.