We share your information only as necessary to deliver services, fulfill legal obligations, or support your planning outcomes. Disclosures may include:

• Insurance Carriers & Underwriters: Life insurance carriers (including but not limited to North American, National Life Group, Nationwide, Transamerica, Pacific Life, Protective, Lincoln Financial, and Prudential) to process applications and manage policies.

• Affinity Advisory Network (AAN) Professionals: Independent registered investment advisors, CPAs, tax strategists, and estate planning attorneys who are part of our collaborative planning network. These professionals operate under their own licensing and ethical obligations. We facilitate introductions with your awareness.

• Technology Service Providers: CRM systems, scheduling tools (e.g., Calendly), email platforms, and marketing automation tools operating under data processing agreements.

• Legal & Regulatory Authorities: When required by law, court order, insurance regulatory examination, or compliance audit.

• Business Succession: In the event of a merger, acquisition, or sale of the Firm, subject to equivalent confidentiality protections.

AAN partner professionals are independent practitioners. Their services, recommendations, and privacy practices are governed by their respective professional licenses, registrations, and firm policies. RNC Elite Group LLC does not provide investment advisory, legal, or accounting services directly.

As a California resident, you have the following rights under the CCPA/CPRA:

• Right to Know: Request disclosure of the categories and specific pieces of personal information we have collected about you.

• Right to Delete: Request deletion of personal information we hold, subject to certain legal and regulatory retention exceptions.

• Right to Correct: Request correction of inaccurate personal information in our records.

• Right to Opt-Out: Opt out of the sale or sharing of your personal information. We do not sell personal information.

• Right to Limit Use of Sensitive Information: Restrict processing of sensitive personal data to permitted business purposes.

• Right to Non-Discrimination: Exercise your privacy rights without being subject to discriminatory service or pricing.

Additionally, California's Insurance Information and Privacy Protection Act (IIPPA) provides specific rights regarding information collected in connection with insurance applications and policies. You may request access to such information by contacting us directly.

We will respond to verifiable requests within 45 days as required by California law.