DISCLOSURES & PRIVACY POLICY

DISCLOSURES and PRIVACY POLICY

General Investment Advisory Services offered by James Jurica CFP® CLU® CHFC® RICP® through Wealth Watch Advisors, an SEC Registered Investment Advisor. Wealth Watch Advisors has no affiliation with the website represented. Wealth Watch Advisors is not responsible for their views and opinions, and makes no representations or warranties about the accuracy, reliability, completeness or timeliness of the content and does not recommend or endorse any specific information herein. Custom Insurance and Retirement Solutions LLC. is not affiliated. Investing involves risk including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. Opinions expressed as written or recorded are subject to change at any time without notice and are not intended to be used as investment advice

or to predict future performance. Past performance does not guarantee future results. Consult your financial professional before making any investment decision.

This information is designed to provide general information on the subjects covered. Pursuant to IRS Circular 230, it is not, however, intended to provide specific legal or tax advice and cannot be used to avoid tax penalties or to promote, market, or recommend any tax plan or arrangement. Please note that Custom Insurance and Retirement Solutions LLC. and its affiliates do not give legal or tax advice. You are encouraged to consult your tax advisor or attorney for any legal or tax advice.

Annuity guarantees rely on the financial strength and claims-paying ability of the issuing insurer. Any comments regarding safe and secure investments, and guaranteed income streams refer only to fixed insurance products. They do not refer, in any way, to securities or investment advisory products. Fixed Insurance and Annuity product

guarantees are subject to the claims‐paying ability of the issuing company and are not offered by Wealth Watch Advisors.

Products

Annuity products may not be available in all states. Insurance companies represented by Custom Insurance and Retirement Solutions Agency LLC. may change interest rates and offerings without notice.

Recommendations

Custom Insurance and Retirement Solutions Agency LLC. does not provide tax or legal advice. Always consult with a qualified tax and legal advisor. All views expressed by Custom Insurance and Retirement Solutions Agency LLC. and its members are done so as merely a free opinion, based on such investigations as are deemed reasonable, and are not in any way to be construed as investment or tax advice. All readers are solely responsible for making their own investment decisions, and it is recommended that any views or suggestions contained within this document should be reviewed by a licensed tax or financial advisor prior to implementation. Neither Custom Insurance and Retirement Solutions Agency LLC nor its members make any guarantees as to the accuracy of this information, or the financial success of anyone who bases theirinvestment decisions in an effort to implement the suggestions contained within this document. Any references made to “safety” or “guarantees” refer to the insured nature of fixed annuities, along with past performance of said products, but are subject at all times to the solvency and claims-paying ability of the underlying insurance companies where the policies are issued.

Copyright Notices

Unless otherwise noted, the graphic images, buttons, layout, and text contained in this website are the exclusive property of NJM Wealth Preservation Strategies and its related, affiliated and subsidiary companies, and may not be copied or distributed, in whole or in part, without the express written consent of NJM Wealth Preservation Strategies.

Taxes

Withdrawals from annuities prior to 59 ½ may be subject to a 10% tax penalty, according to IRS regulations. Because tax laws are subject to varying interpretations and changes, we recommend that you consult your attorney, tax advisor or accountant. Custom Insurance and Retirement Solutions Agency LLC does not provide specific tax or legal advice.

PRIVACY POLICY

We collect information from you when you register on our site, subscribe to our newsletter, respond to a survey or fill out a form. When ordering or registering on our ite, as appropriate, you may be asked to enter your: name, e-mail address or phone number. You may, however, visit our site anonymously.

What do we use your information for?

Any of the information we collect from you may be used in one of the following ways:

To personalize your experience (your information helps us to better respond to your individual needs)

To improve our website (we continually strive to improve our website offerings based on the information and feedback we receive from you)

To improve customer service (your information helps us to more effectively respond to your customer service requests and support needs)

To send periodic informative emails. The email address you provide for order

processing, may be used to send you information and updates pertaining to your order,

in addition to receiving occasional company news, updates, related product or service information, etc

Note: If at any time you would like to unsubscribe or opt out from receiving future emails, we include detailed unsubscribe instructions at the bottom of each email.

How do we protect your information?

We implement a variety of security measures to maintain the safety of your personal information when you access your personal information.

Do we use cookies?

Yes (Cookies are small files that a site or its service provider transfers to your

computers hard drive through your Web browser (if you allow) that enables the sites or service providers systems to recognize your browser and capture and remember certain information. We use cookies to compile aggregate data about site traffic and site interaction so that we can offer better site experiences and tools in the future.

Do we disclose any information to outside parties?

We do not sell, trade, or otherwise transfer to outside parties your personally identifiable information. This does not include trusted third parties who assist us in operating our website, conducting our business, or servicing you, so long as those parties agree to keep this information confidential. We may also release your information when we believe release is appropriate to comply with the law, enforce our site policies, or protect ours or others rights, property, or safety. However, non-personally identifiable visitor information may be provided to other parties for marketing, advertising, or other uses.

Third party links

Occasionally, at our discretion, we may include or offer third party products or services on our website. These third party sites have separate and independent privacy policies. We therefore have no responsibility or liability for the content and activities of these linked sites. Nonetheless, we seek to protect the integrity of our site and welcome any feedback about these sites.

Online Privacy Policy Only

This online privacy policy applies only to information collected through our website and not to information collected offline.

Your Consent

By using our site, you consent to our web site privacy policy.

Changes to our Privacy Policy

If at any time, we decide to change our privacy policy, any and all changes will beposted on this page.

TERMS OF USE

All information available through this website is the property of Custom Insurance and Retirement Solutions Agency LLC (the “Company”) or its Information Providers and is protected by copyright and intellectual property laws. All rights reserved. You may not reproduce, retransmit, disseminate, sell, publish, broadcast, nor shall the information be used in connection with creating, promoting, trading, or marketing financial instruments or products without the express written consent of Custom Insurance and Retirement Solutions Agency LLC or its licensors. You are entitled to use the information it contains for your private, non-commercial use only. Custom Insurance and Retirement Solutions Agency LLC operates this website (the “website”) to provide information, related features and services (the “Service”). The terms and conditions set forth herein (the “Terms of Use”) constitute a legally binding agreement between the Company and you regarding the terms on which the Company offers you access to Service. Please take a few minutes to review the Terms of Use. By accessing and using this website, you agree to be bound by each of the Terms of Use and all applicable laws and regulations governing the website. If you do not agree with any of the Terms of Use, you

are not authorized to access or use this website or any of its contents for any purpose. Contents not intended for distribution or use where prohibited

The information provided on this website is not intended for distribution to, or use by, any person or entity in any jurisdiction or country where such distribution or use would be contrary to law or regulation or which would subject the Company to any registration requirement within such jurisdiction or country. Neither the information, nor any opinion contained in this website constitutes a solicitation or offer by the Company to buy or sell any securities, futures, options or other financial instruments or provide any investment

advice or service. These terms of use may change without prior notice.

The Company reserves the right to modify these Terms of Use at any time without giving you prior notice. Your use of the website following any such modification constitutes your agreement to follow and be bound by the Terms of Use as modified. For this reason, we encourage you to review these Terms of Use whenever you use this website.

Notices of restrictions on your use

The Service, the website and all data and information and/or content that you see, hear or otherwise experience on the website (the “Content”) belongs to the Company, its partners, affiliates, contributors or third parties and may be protected by U.S. and international copyright, trademark, intellectual property and additional laws. Content provided by third-parties is used on the website with the permission of such third-parties.

You may download, print and store selected portions of the Content, provided that you

(1) do not copy or post the Content on any network computer or transmit, distribute,

publish or broadcast the Content in any media, including without limitation, a website;

and (2) do not modify or alter the Content in any way, or delete or change any copyright

or trademark notice. No right, title or interest in any copied or downloaded Content is transferred to you as a result of any such copying or downloading. The Company reserves complete title and full intellectual property rights in any Content you copy or download from this website. By visiting this site, you agree not to alter, modify, reformat, copy, download, reproduce, duplicate, display, distribute, repost, transmit, publish, license, sell, rent, transfer, or

create derivative works from any Content obtained from the website or the Service, except as expressly permitted by these Terms of Use. Moreover, you may not use any of the marks, images, text or data appearing throughout this website without express written consent from the trademark owner, except as permitted by applicable law.

DISCLAIMER OF WARRANTIES

By agreeing to grant you access, the Company does not obligate ourselves to do so or to maintain this site, or to maintain it in its present form, and we expressly reserve the right to modify, suspend or terminate your access privileges. You agree and understand that we may, at our sole discretion and without any prior notice, close this website or deny you access to it and delete any files which you may maintain at this site and any information which you may choose to post here.

THE INFORMATION ON THIS WEBSITE IS PROVIDED “AS IS.” YOU EXPRESSLY

AGREE TO ASSUME TOTAL RESPONSIBILITY AND RISK FOR YOUR USE OF THE

WEBSITE AND THE SERVICE. THE COMPANY MAKES NO EXPRESS OR IMPLIED

WARRANTIES, REPRESENTATIONS OR ENDORSEMENTS WHATSOEVER WITH

RESPECT TO THE WEBSITE OR THE SERVICE. THE COMPANY EXPRESSLY

DISCLAIMS ALL WARRANTIES OF ANY KIND, EXPRESS, IMPLIED, STATUTORY

OR OTHERWISE, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF

MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE AND

NONINFRINGEMENT, WITH REGARD TO THE WEBSITE, THE SERVICE, OR ANY

INFORMATION OR CONTENT CONTAINED THEREIN (INCLUDING THIRD PARTY

INFORMATION). THE COMPANY SHALL NOT BE LIABLE FOR ANY LOSS OR DAMAGE OCCURRING EITHER DIRECTLY OR INDIRECTLY FROM ANY USE OF THE WEBSITE, THE SERVICE OR ANY INFORMATION OR CONTENT CONTAINED THEREIN (INCLUDING THIRD PARTY INFORMATION). IT IS SOLELY YOUR RESPONSIBILITY TO EVALUATE THE ACCURACY, COMPLETENESS AND USEFULNESS OF ALL INFORMATION OR CONTENT PROVIDED BY THE WEBSITE OR THE SERVICE. THE COMPANY DOES NOT WARRANT THAT THE FUNCTIONS PERFORMED BY THE WEBSITE OR THE SERVICE WILL BE UNINTERRUPTED, TIMELY, SECURE OR ERROR-FREE, OR THAT DEFECTS IN THE WEBSITE OR THE SERVICE WILL BE CORRECTED. THE COMPANY DOES NOT WARRANT THE ACCURACY OR COMPLETENESS OF THE INFORMATION OR CONTENT PROVIDED BY THE WEBSITE OR THE SERVICE, OR THAT ANY ERRORS IN THE INFORMATION OR CONTENT WILL BE CORRECTED. THE WEBSITE, THE SERVICE AND THE INFORMATION OR CONTENT ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS.

LIMITATION OF LIABILITY

IF YOU ARE DISSATISFIED WITH THE WEBSITE OR ANY CONTENT ON THE

WEBSITE, OR WITH THE TERMS OF USE, YOUR SOLE AND EXCLUSIVE REMEDY

IS TO DISCONTINUE USING THE WEBSITE. YOU ACKNOWLEDGE, BY YOUR USE

OF THE WEBSITE, THAT YOUR USE OF THE WEBSITE IS AT YOUR SOLE RISK.

YOU UNDERSTAND AND AGREE THAT UNDER NO CIRCUMSTANCES WILL THE

COMPANY BE LIABLE FOR ANY DAMAGES WHATSOEVER, INCLUDING, BUT NOT LIMITED TO, (I) ANY DIRECT, INCIDENTAL, CONSEQUENTIAL, EXEMPLARY OR INDIRECT DAMAGES (INCLUDING, BUT NOT LIMITED TO, DAMAGES FOR LOSS OF BUSINESS PROFITS, BUSINESS INTERRUPTION, LOSS OF DATA, PROGRAMS OR INFORMATION, AND THE LIKE) ARISING OUT OF THE USE OF OR INABILITY TO USE THE WEBSITE, THE SERVICE, OR THE INFORMATION OR CONTENT PROVIDED THEREIN, (II) ANY CLAIM ATTRIBUTABLE TO ERRORS, OMISSIONS, OR OTHER INACCURACIES IN THE WEBSITE, THE SERVICE AND/OR INFORMATION OR CONTENT CONTAINED THEREIN OR DOWNLOADED THROUGH THE WEBSITE, (III) UNAUTHORIZED ACCESS TO OR ALTERATION OF YOUR TRANSMISSIONS OR DATA, (IV) STATEMENTS OR CONDUCT OF ANY THIRD PARTY ON THE WEBSITE OR THE SERVICE, OR (V) ANY OTHER MATTER RELATING TO THE WEBSITE OR THE SERVICE, EVEN IF THE COMPANY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

BECAUSE SOME STATES DO NOT ALLOW THE EXCLUSION OR LIMITATION OF

LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, SOME OF THE

ABOVE LIMITATIONS MAY NOT APPLY TO YOU. IN SUCH STATES, THE

COMPANY’S LIABILITY IS LIMITED AND WARRANTIES ARE EXCLUDED TO THE

GREATEST EXTENT PERMITTED BY LAW.

USER CONDUCT

You agree not to take any action that interferes with the proper working of the website; imposes an unreasonable or disproportionately large load on the website’s infrastructure; might compromise the security of the website; render the website or the Service inaccessible to others; or otherwise cause damage to the website or any Content contained on the website. You agree not to add to, subtract from, or otherwise modify the Content on the website except as expressly authorized by the Company in these Terms of Use or by a written agreement between you and the Company.

GENERAL PROVISIONS

Entire agreement. These Terms of Use constitute the entire agreement of the parties with respect to the subject matter hereof, and supersede all previous written or oral agreements between the parties with respect to such subject matter. No waiver by the Company of any breach or default hereunder shall be deemed to be a waiver of any preceding or subsequent breach or default.

Correction of errors and inaccuracies. The information in the website may contain typographical errors or other errors or inaccuracies and may not be complete or current. We therefore reserve the right to correct any errors, inaccuracies or omissions and to change or update information at any time without prior notice. We do not, however, guarantee that any errors, inaccuracies or omissions will be corrected. No endorsements of links. Hypertext links to third-party websites or information do not constitute or imply an endorsement, sponsorship, or recommendation by the Company

of the third party, the third-party website, or the information contained therein. You acknowledge and agree that the Company is not responsible for the availability of any such websites and that the Company does not endorse or warrant, and is not responsible or liable for any such website or the content therein. Any links to other sites are provided for convenience only. You must make your own decisions regarding your interactions or communications with any other website. Enforcement. If any part of these Terms of Use is determined to be invalid or unenforceable, it will not impact any other provision of these Terms of Use, all of which will remain in full force and effect. These Terms of Use are governed by, and will be interpreted in accordance with, the laws of the State of Michigan, without regard to any

conflict of laws provisions. Although you acknowledge that we will have the ability to enforce our rights in any court of competent jurisdiction, you hereby consent to the exclusive jurisdiction and venue of courts in North Dakota, U.S.A., regarding any and all disputes relating to these Terms of Use, the Company’s Privacy Statement, your use of the Web Site, any other website, the Service, or Content or Material contained therein.

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CONTACTING US

If there are any questions regarding this privacy policy you may contact us using the information below:

Custom Insurance and Retirement Solutions Agency LLC

Phone (701) 318-1215

Email: jjday11@msn.com

CONTACT

Main Location:

2917 36 th Ave S.

Fargo, ND 58104

LOCATION

Legal/Privacy

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