VITAL GUARD INSURANCE SERVICES

Agent Digital Identity and
Automation Authorization

Consent and release agreement

This voluntary agreement authorizes selected digital business card, business promotion, and customer service features. It grants identity and media permissions and releases certain claims against the Company and the people identified below. Read all seven pages, make the choices, and sign at the end. A blank or conflicting optional selection means No until clarified in a signed writing.

1 Parties and protected persons

This agreement is between Vital Guard LLC DBA Vital Guard Insurance Services (Company) and the undersigned agent (Agent or I). Protected Parties means the Company; Alec Kruki, individually and as CEO and Principal Agent In Charge; and its present and former owners, members, officers, directors, managers, managing staff, employees, coworkers, and authorized contractors, service providers, affiliated business partners, and successors, solely for conduct within the scope of this agreement. The Company accepts the obligations stated here in exchange for my permissions and releases; I receive the opportunity to use available, selected agency features.

2 Agent identification and business information

I understand that my approved business email will be supplied to me and will be the only email address that I may use to interact with Vital Guard Insurance Services Consumers with

I understand that my approved business locally registered phone number and legally registered Vital Guard Insurance Services phone numbers will be supplied to me and will be the only phone numbers that I may use to interact with Vital Guard Insurance Services Consumers with

3 Digital business card and public website choices

Digital business card: May the Company create and operate a business card subdomain or URL identifying me for my business use?

Would you like your information to be publicly displayed on the primary Vital Guard Insurance Services web page (www.yourvitalguard.com) and any/all of its associated marketing domains/websites for the purposes of producing new business?

Choosing No for this option will not necessarily disqualify you from obtaining a subdomain URL for a digital business card you can use to conduct business. It only prevents the Company from displaying your information on the primary Vital Guard Insurance Services web page (www.yourvitalguard.com) and its associated marketing domains/websites for the purpose of producing new business. Your separately authorized business card is an exception solely for your own distribution and use. It may still be accessible to anyone with its link; it is not a private webpage.

4 Optional photograph or generated portrait

Choose one portrait option for my digital business card and, if authorized, public website listings. A blank or conflicting selection means no portrait.

A photograph I supply and have permission to license for these business uses.

An artificially generated photograph or portrait of me, created from reference images I voluntarily supply or otherwise approve.

No photograph or portrait.

I permit reasonable cropping, resizing, retouching, background replacement, color adjustment, and formatting. A generated portrait must depict me rather than an unrelated person, must not materially misrepresent my identity or qualifications, and must be shown to me for written approval before first publication. A materially different generated likeness requires new approval. The Company may label an image as AI generated and must make any disclosure required by law. This selection does not authorize face recognition or biometric identification.

5 Optional automated customer service permissions

For clients and consumers the Company is authorized to serve in connection with my work, select each channel separately. Section 7 governs communications on my behalf.

Artificial imitation of my voice: I expressly authorize the Company and its restricted service providers to collect voice samples I knowingly supply for this purpose and to create, store, test, and use a synthetic version of my voice for the selected customer service channels. It may generate words I did not personally speak, within the authorized service scope. Sections 7 and 8 limit its use.

A No to voice imitation permits a clearly identified generic automated voice for an otherwise selected channel where lawful. Voice consent does not override a No to telephone service or authorize public voice advertising. Activation requires my sample approval and the provider and retention information in section 8.

6 Identity and media license

Subject to my selections and this agreement, I grant the Company a nonexclusive, royalty-free license to reproduce, display, publish, transmit, host, format, and make the authorized adaptations of my name, approved image, likeness, business contact information, NPN, resident license state and number, and permitted voice. The license covers the selected webpages, digital card and its previews, QR codes linking to that card, agency records, and selected service communications. Internet availability may be worldwide, but insurance activity remains limited to jurisdictions where authorized. Public advertising or unrelated uses beyond my selections require separate written consent.

The Company may engage restricted vendors and affiliated entities for these uses, subject to the same limits. Private notice contacts may not be published. I retain my underlying identity rights and ownership of existing materials. No separate royalty or appearance fee is due unless separately agreed in writing. Earned compensation and commissions are unaffected.

7 Authorized representation and communication limits

Limited authority to communicate on my behalf. For selected channels, the Company may use staff, approved software, and automated assistants, including an approved imitation of my voice, to receive and respond to service inquiries, schedule appointments, send reminders, request missing documents through approved secure channels, explain approved administrative procedures, relay verified status information, and route requests to qualified personnel. This authority covers the client and consumer base the Company is legally and contractually authorized to service in connection with my work. It does not determine ownership of that business or change commission rights.

Clear identity. An automated call must identify the Company and the automated assistant at the beginning, before substantive service, and explain that it is acting on my behalf. A cloned voice must also be identified as a synthetic version of my voice. Automated emails and texts must clearly identify the Company and their automated nature in the message or visible signature. A suitable introduction is: "This is Vital Guard Insurance Services' automated assistant for [Agent name], using an AI-generated version of their voice." The system may use my approved display name and company business contact channels, but may not falsely state that I am personally speaking, typing, reviewing a matter, or present live. A human assistance path must be available.

Licenses and credentials. Display of my NPN or license number is permission to identify me accurately, not permission to lend or transfer a license, impersonate me in a credentialed system, share passwords, or attribute another person's sales to me without lawful authority. Nothing authorizes signing my name, making attestations as me, accepting contracts for me, or using my voice to defeat identity verification. Licensing, appointments, training, carrier requirements, and Marketplace rules remain applicable. I will promptly report changes affecting my displayed information or authority.

Insurance decisions and customer authority. Automation must not independently recommend or select insurance, bind or cancel coverage, change an application or agent of record, or make assurances about eligibility, benefits, subsidies, or coverage beyond verified information and lawful authority. Activities requiring licensed judgment or a consumer's authorization must be routed to the appropriate person and completed only after required permissions and review. This agreement is not a consumer consent form, enrollment authorization, power of attorney, carrier appointment, or permission to use a consumer's credentials.

Calling and messaging permissions. Before initiating calls, texts, or emails, the Company must establish the legal basis and obtain and document any required recipient consent, including consent to artificial or prerecorded voice calls and written consent where required for marketing. It must honor applicable opt-outs, do-not-call rules, calling times, caller identification, email rules, and state requirements. An existing client relationship or this Agent signature does not, by itself, supply required customer consent. These service permissions do not authorize unsolicited marketing with my synthetic voice. Mixed sales and service messages must receive the permissions and treatment their actual content requires.

Oversight and accuracy. The Company controls approved workflows and access, maintains appropriate records of approvals and activity, and provides escalation for uncertain, sensitive, or disputed matters. I may report errors or request correction through management. I do not approve each future message individually, but that fact does not expand the selected scope or excuse a legally required review. Neither my voice consent nor my name on a message makes me personally responsible for conduct I did not authorize beyond duties imposed by law or a separate agreement.

8 Voice models and sensitive identity data

The voice permission covers voice recordings voluntarily supplied for cloning, technical voice representations needed to generate the approved synthetic voice, and generated service audio. It permits work on a model restricted to the Company's selected services. It does not permit selling my voice or biometric data, licensing my persona for unrelated customers, training a vendor's general-purpose model, or using my voice for authentication, political content, fabricated testimonials, or unrelated endorsements.

Before voice samples are collected for cloning, the Company must give me a written notice identifying the provider or providers, the data collected, the service purpose, the retention and destruction schedule, and how to withdraw. If a workflow would create or use a legally regulated voiceprint, face geometry, or other biometric identifier, the Company must first provide the applicable written policy and obtain any separate informed consent required for that processing. This agreement does not represent that every voice model is a biometric identifier or replace state-specific requirements.

Active voice models may be retained only while the approved feature is enabled and this permission remains effective. On withdrawal, separation, or retirement of the feature, new use must stop as required by section 12. Models and source samples must be deleted within 30 days after use ends, or sooner if law requires; retained backups must be access-restricted, excluded from reuse, and purged on the disclosed schedule, subject to any shorter legal deadline. A lawful preservation duty may justify restricted evidence retention, never continued operational cloning. Existing communications may remain in required business records.

9 Recording transcription and affiliated partner sharing

My express consent. I consent to the Company recording, monitoring, storing, transcribing, reviewing, and using my participation in business telephone calls; voicemail; email and text message exchanges; and video conferences, including audio, video, screen content, and resulting transcripts, when connected with the selected features or my work for the Company. This covers future communications after signing and my contribution to previously lawfully obtained business records. It does not retroactively validate unlawful recording or permit access to unrelated personal accounts or private conversations.

Authorized recipients and purposes. I permit disclosure of those lawfully obtained recordings, transcripts, messages, and related business records to any affiliated business partner or entity of the Company with a legitimate need for them for the authorized purpose. Recipients may include insurers and carriers; general agencies, uplines, and third-party administrators; enrollment, CRM, communications, hosting, automation, and storage providers; affiliated service entities; compliance reviewers, auditors, legal and accounting advisers; and insurers evaluating a business claim. Permitted purposes are customer service, enrollment support, quality assurance, staff training, compliance, complaint and fraud investigation, commission or transaction reconciliation, system support, and establishing or defending legal rights. Disclosures to regulators or under valid legal process are also permitted where lawful.

Limits and safeguards. Affiliation alone is not sufficient authority to disclose a record. The Company must obtain other participants' legally required consent before recording and meet applicable requirements for later use and disclosure. It must limit access and sharing to what the recipient needs, use appropriate security and confidentiality restrictions, and bind downstream recipients as required. Applicable Marketplace privacy rules, insurance privacy law, and HIPAA duties where applicable remain controlling. No consumer record becomes public marketing material or general AI training data under this consent. My approval releases only my own waivable rights; it cannot waive a consumer's, coworker's, or other participant's rights. Public website choices do not control this separate business-record authorization.

10 URL administration and operational risks

The Company retains control of its domains, subdomains, URL paths, hosting, page templates, branding, software, and integrations. Providing a URL gives me a limited opportunity to use the selected features, not ownership of the domain or a right to perpetual hosting, exclusive leads, particular search results, uninterrupted service, or any revenue level. The Company may update, secure, suspend, relocate, or discontinue a feature for business, technical, legal, or compliance reasons, consistent with this agreement and any separate enforceable contract. A domain transfer or successor must remain bound by the existing choices; it does not expand permissions.

If my public website selection is No, the Company must not add my identity or card to agency marketing directories, promotional listing pages, advertising feeds, or campaign links intended to generate new business. It must configure my direct-use card to discourage search indexing where technically feasible. I may share the card with my own contacts. A public URL can still be forwarded, indexed, copied, cached, or captured by others; no guarantee of secrecy or complete third-party removal is made. Required legal or regulatory disclosures are unaffected.

I understand that authorized digital publication and automation can involve image differences, synthetic speech or transcription errors, delivery failures, outages, unauthorized third-party copying, and mistaken inferences by readers or listeners. The Company does not guarantee error-free operation or prevention of every third-party misuse. These acknowledgments are subject to its express commitments, my choices, and the exceptions below.

11 Release of claims and covenant not to sue

READ CAREFULLY. THIS SECTION RELEASES CERTAIN CLAIMS, INCLUDING CLAIMS BASED ON THE PROTECTED PARTIES' OWN ORDINARY NEGLIGENCE, TO THE FULLEST EXTENT APPLICABLE LAW PERMITS.

Scope of release. Subject to the exceptions below, I release and discharge each Protected Party from my claims, demands, actions, damages, liabilities, and expenses arising from conduct after this agreement takes effect within the permissions I actually grant. This includes authorized use, editing, publication, and display of my identity, images, identifiers, and likeness; approved synthetic voice creation and use; authorized communications on my behalf; operation and integration of my digital business card URL; and authorized recording, transcription, retention, and sharing with affiliated business partners or entities. The release expressly includes waivable claims for misappropriation of name, likeness, voice, or publicity rights; invasion of privacy; distortion from authorized editing; emotional, reputational, or economic injury; and ordinary negligence in carrying out those activities.

Protection for sharing and URL use. Within that scope, I agree not to sue or seek to hold the Company, Alec Kruki individually or in his stated roles, any owner, managing staff member, coworker, or other Protected Party legally liable solely because an authorized record was shared or the URL and selected integrations were created, used, displayed, maintained, changed, suspended, or discontinued. This is intended as the broadest lawful protection for use consistent with my choices. It is not immunity for every situation. The Company and each Protected Party may rely on this agreement as a defense to a released claim.

Exceptions control every release and limitation. Nothing releases fraud, gross negligence, reckless or intentional misconduct, unlawful discrimination, retaliation, nonwaivable statutory rights, or use outside my choices or after permission ends, except the narrow retention and removal provisions expressly allowed here. This agreement does not release failure to honor its express consent, security, or deletion commitments, override required consumer consents, waive earned wages or commissions, settle existing disputes, or bar good-faith regulatory reports, testimony, protected activity, or a good-faith challenge to enforceability. No right belonging to someone else is released. My promise not to sue applies only to claims actually and lawfully released; no penalty is imposed merely for raising a claim or reporting misconduct.

12 Duration withdrawal and separation

This agreement takes effect when signed by both parties. Permissions continue while I am affiliated with the Company unless earlier withdrawn; they end prospectively upon separation, except for the limited purposes below. I may withdraw a selected permission, change a choice, or revoke this agreement by written notice to Alec Kruki or the Company's designated management contact, without an employment penalty. An email is sufficient. The Company must acknowledge receipt and retain an accurate record of my current choices. Any new or expanded permission requires my signed written authorization.

How to give notice. Send notice to the Company contact completed below or deliver it to Alec Kruki or agency management through an established company business channel. I do not lose the ability to give notice if the field is blank or a mailbox is unavailable. The Company must provide me a usable contact and a copy of this signed agreement.

Company notice email: Info@yourvitalguard.com

Alternative management contact or delivery address: Aaron@yourvitalguard.com , Alexg@yourvitalguard.com , or call 1-(866)-949-3404.

Stopping use. On receipt of withdrawal or notice of separation, the Company must promptly disable new outbound communications presented on my behalf and new use of my synthetic voice, and in all events within five business days, or sooner if law requires. A telephone or credential safety concern requires immediate suspension of the affected function. The Company must remove withdrawn identity material from active webpages it controls within ten business days, or sooner if required, and promptly instruct vendors to stop corresponding use. A technical transition cannot imply that I remain affiliated after separation. A neutral service notice or redirect may be used only without implying my continuing endorsement.

Limited survival. Withdrawal does not undo a lawful use already completed or withdraw the release for that use. The Company may retain this agreement, approval records, and lawfully obtained business communications for legal, regulatory, audit, claims, and security needs, with restricted access and no new promotional use. It need not retrieve every previously delivered email, text, or distributed copy, but must stop creating and distributing new withdrawn material and make reasonable removal requests to controlled vendors and platforms. No continuing advertising right is created by a cached copy. Voice data deletion follows section 8. Previously required records must not be destroyed merely because permission ends.

13 Agent supplied materials and limited indemnity

I represent that my identifying information is accurate to my knowledge and that I own or have obtained sufficient permission for each photograph, recording, or other item I supply. I will not provide another person's identity, copyrighted photograph, or confidential information without the rights needed for the intended use. I will promptly notify management of a material error or rights concern. The Company remains responsible for checking qualifications and uses that it is legally required to verify.

To the extent lawful, I will reimburse a Protected Party for reasonable, documented amounts awarded to a third party, reasonable defense costs, or a settlement I approve in writing, but only to the extent directly caused by my knowing material misrepresentation about rights in supplied material or my willful unlawful submission of that material. The Protected Party must promptly notify me, permit reasonable participation in the defense, and reasonably mitigate loss. This clause does not make me responsible for the Protected Parties' negligence or misconduct, unauthorized edits or uses, consumer claims caused by their automation, or liabilities the law prohibits shifting. It does not authorize payroll deductions or waiver of wage protections.

14 Agreement administration

Law and forum. Florida law governs, subject to other jurisdictions' nonwaivable protections. Disputes may be brought in a court with jurisdiction in the Florida county of the Company's principal office, unless mandatory law requires another forum. Access to regulators and protected administrative processes is unaffected.

Entire agreement and priority. This agreement governs these identity, digital card, automation, and recording permissions, without changing employment status, compensation, business ownership, or carrier terms. A specific No or narrower choice controls over any general grant, including an earlier general media consent. Separately required lawful compliance records are unaffected. Changes require both parties' signatures, except I may narrow or withdraw consent by notice under section 12. Invalid terms may be severed or lawfully narrowed without expanding consent; unaffected terms remain effective.

Protected beneficiaries and execution. Protected Parties may enforce the protections expressly granted to them as third-party beneficiaries, subject to every limitation here. Legally valid electronic signatures and counterparts are permitted. Each party receives the complete agreement, selections, and amendments. No checkbox or initial may be changed after signing without my documented authorization.

15 Acknowledgments and signatures

I confirm that I am at least 18, have read this agreement, understand the selected permissions and the ordinary-negligence release, and have had the opportunity to ask questions and consult independent counsel. I understand that synthetic communications may contain words I did not personally speak or type. My choices are voluntary, and no one has promised that signing is required to keep or obtain a job. The Company accepts the restrictions, consent procedures, and other obligations in this agreement. No notarial acknowledgment is required by this agreement.

Agent signature:

Accepted for Vital Guard LLC DBA Vital Guard Insurance Services

Authorized representative printed name: Alec J. Kruki

Title: Chief Executive Office & Principal Agent In Charge

Authorized digital card URL when assigned will be supplied to you via email and/or text message.

Voluntary participation

Signing this document is entirely voluntary and is in no way intended to be a requirement for obtaining employment or for continuing already established employment with Vital Guard Insurance Services. Declining to sign, choosing No, or later withdrawing an optional permission will not, by itself, result in denial of employment, termination, discipline, retaliation, or loss of earned compensation. A feature that depends on a declined permission may be unavailable, but participation in these optional features is not an employment condition. The same voluntary principle applies to an independent contractor relationship. I also understand and agree to having a copy of this form being sent to Info@yourvitalguard.com upon submission.

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