TERMS & CONDITIONS

3:16 Capital & The Broker Group**

Last Updated: December 8, 2025

These Terms & Conditions (“Terms”) govern your access and use of the websites, funnels, webinars, and online content operated by 3:16 Capital and The Broker Group (“we,” “us,” “our”).
By accessing or using our site, you agree to these Terms. If you do not agree, discontinue use immediately.

🔵 1. Use of This Website

You agree to use our website only for lawful purposes. You may not:

Use the site to engage in illegal or unauthorized activities

Interfere with site functionality or security

Copy, distribute, or resell proprietary content without permission

Provide false or misleading information when submitting forms

We reserve the right to restrict access to users who violate these Terms.

🔵 2. No Professional Advice

All webinars, videos, training materials, and written content are provided for educational purposes only.

Content on this website does not constitute:

Financial advice

Legal advice

Tax advice

Investment advice

Product-specific recommendations are provided only by licensed professionals during a formal appointment.

🔵 3. Earnings & Income Disclaimer

Any earnings examples, commissions, or success stories are shared for illustration only and are not guarantees.

Your income depends on:

Licensing

Work ethic

Experience

Skill

Market conditions

Ability to serve clients

Carrier approvals

We make no guarantees of income or success.

⭐ IMPORTANT: No Income Is Earned From Webinars, Licensing, or Recruiting

We do not earn money when:

You attend a webinar

You register for training

You begin licensing

You complete licensing

You onboard as a new agent

You refer another person

We do not compensate anyone for recruiting, referrals, or for new agents entering the licensing process.

All compensation comes solely from licensed financial services activities performed for clients.

This ensures our model is not MLM, not recruitment-based, and fully compliant.

🔵 4. No Franchise Fees or Joining Fees

We do not charge:

Franchise fees

Enrollment fees

Platform fees

Hidden fees for training or onboarding

The only cost involved is state licensing, paid directly to third-party providers and regulators — not to us.

🔵 5. State Licensing & Carrier Approval Required

Before offering any financial services, you must:

Complete state-approved pre-licensing

Pass the state exam

Complete a background check

Be contracted and approved by one or more insurance carriers

Carrier approval is not guaranteed and may be denied for reasons outside our control.

Completing training or webinars does not guarantee approval.

🔵 6. Not a Quick-Income Program

We do not promote:

Get-rich-quick schemes

Overnight success

Guaranteed income

Easy-money programs

Financial services is a regulated profession requiring training, effort, and ongoing learning.

🔵 7. Independent Contractor Status

If you decide to work with our agency after licensing and contract approval:

You are considered an independent contractor, not an employee.

Nothing in our webinars or content should be interpreted as an employment offer.

You are responsible for your own taxes, business decisions, and compliance requirements.

🔵 8. Registration & Information Accuracy

When submitting information, you agree to provide accurate and current data.
We may refuse access or services if we detect fraudulent or misleading submissions.

🔵 9. Communications Consent

By submitting your information, you consent to receive:

Emails

Text messages (SMS)

Phone calls

Automated messages

Webinar reminders

Follow-up communication

You may opt out at any time by:

Clicking “unsubscribe”

Replying “STOP” to SMS

Contacting us directly

Standard message and data rates may apply.

🔵 10. Intellectual Property

All content on this website — including text, audio, video, images, and training materials — is the property of 3:16 Capital and The Broker Group unless otherwise stated.

You may not:

Copy

Reproduce

Modify

Distribute

Upload

Post

Translate

Create derivative works

without express written permission.

🔵 11. Third-Party Links & Tools

We may use or link to third-party tools such as:

Webinar platforms

Email systems

CRM systems

Analytics tools

Scheduling software

We are not responsible for the practices or policies of third-party sites.

🔵 12. Limitation of Liability

To the fullest extent permitted by law, we are not liable for:

Loss of income

Loss of data

Business interruption

Damages of any kind

Errors, omissions, or inaccuracies in content

Issues caused by third-party vendors

You use this website at your own risk.

🔵 13. Indemnification

You agree to indemnify and hold harmless 3:16 Capital, The Broker Group, our agents, and affiliates from any claims, losses, or damages resulting from:

Your use of this website

Violations of these Terms

Misuse of content or information provided

🔵 14. Severability

If any part of these Terms is found to be invalid or unenforceable, the remaining sections remain in full effect.

🔵 15. Entire Agreement

These Terms constitute the entire agreement between you and 3:16 Capital/The Broker Group regarding your use of this website.

🔵 16. Governing Law

These Terms are governed by the laws of the State of California.
Any disputes must be resolved within California jurisdiction.

🔵 17. Contact Information

For questions about these Terms, contact:

3:16 Capital / The Broker Group
📩 Email: [email protected]
📞 Phone: 626-664-9157
🌐 Website: https://thebrokergrp.com/