Effective Date: 08 September, 2026

These Terms & Conditions apply to LLQP mentorship provided by Navdeep Virk.

By participating in the mentorship, you acknowledge and agree to the following terms.

Purpose of the Mentorship

LLQP mentorship is provided for educational and professional-development purposes.

The mentorship is designed to help participants strengthen areas such as:

• Product understanding
• Client communication
• Asking better client questions
• Case discussions
• Professional confidence
• Presentation skills
• Follow-up
• Personal branding
• Business habits
• General industry knowledge

The mentorship is intended to provide practical guidance and support.

It is not a substitute for regulatory supervision, MGA compliance, insurer training, official product training, licensing education, legal advice or any other professional requirement.

Mentorship Fee

The LLQP mentorship is currently provided at no charge.

There is no payment required to participate unless a separate service is introduced in the future and clearly disclosed before you agree to participate.

Eligibility

Mentorship may be offered to individuals who have completed or are working toward applicable LLQP licensing requirements, or who otherwise meet the eligibility requirements communicated before participation.

Participation in mentorship does not itself give you the right to sell, recommend or advise on insurance or financial products.

You are responsible for ensuring that you hold all licences, appointments, E&O insurance, continuing education and other authorizations required for your own activities.

Your Responsibility

You remain fully responsible for your own professional activities and business decisions.

This includes responsibility for:

• Advice or recommendations you provide to clients
• Determining whether a recommendation is suitable
• Completing appropriate needs analyses
• Following your MGA and insurer requirements
• Following applicable laws and regulations
• Completing required forms and disclosures
• Confirming current product information
• Maintaining your licence
• Maintaining required E&O insurance
• Completing continuing education requirements
• Keeping appropriate client records
• Decisions you make in your own business

A discussion during mentorship should not be treated as approval of a particular recommendation, application or client transaction.

Product & Case Discussions

Products, case examples and client situations may be discussed during mentorship for educational purposes.

Product information can change, and participants are responsible for confirming current information using official insurer, MGA and regulatory resources before presenting information to a client.

Any final client recommendation remains the responsibility of the licensed advisor handling the client relationship.

Client Confidentiality

Participants must protect client privacy and confidentiality.

You should not share unnecessary personally identifying, medical, financial or confidential client information during mentorship discussions.

Where a case is discussed for educational purposes, identifying information should be removed wherever reasonably possible.

You remain responsible for complying with your own privacy, confidentiality, recordkeeping and regulatory obligations.

No Guarantee of Licensing or Business Results

Participation in mentorship does not guarantee:

• Passing an LLQP examination
• Obtaining or maintaining an insurance licence
• Insurer approval
• MGA contracting
• Sponsorship
• Employment
• Recruitment
• Clients
• Sales
• Commissions
• Income
• Promotions
• Business growth
• Any particular professional or financial result

Results depend on many factors, including your own skills, actions, effort, licensing status, market conditions and regulatory requirements.

No Employment or Business Relationship

Participation in mentorship does not create an employment relationship, partnership, joint venture, agency relationship or guaranteed business relationship between you and Navdeep Virk.

It also does not guarantee a contracting or business relationship with Experior Financial Group Inc. or any insurance company.

Any future decision to work together would be separate from the mentorship and would remain subject to applicable licensing, contracting, compliance and organizational requirements.

Separate From Financial Services

LLQP mentorship is separate from the insurance and financial services I provide to clients.

You are not required to purchase an insurance or financial product from me in order to participate in mentorship.

Likewise, participating in mentorship does not give you any special entitlement to a financial product, insurance approval, employment or business opportunity.

Compliance & Regulatory Requirements

Mentorship does not override the requirements of your regulator, MGA, agency, insurance company or applicable legislation.

If information discussed during mentorship differs from an official regulatory, insurer or MGA requirement, the applicable official requirement should be followed.

Participants are responsible for confirming current compliance requirements for their own province and business.

Mentorship Materials

Materials, templates, presentations, training documents, recordings or other resources provided during mentorship are intended for the participant’s personal educational and professional use unless otherwise stated.

They may not be reproduced, sold, published, distributed or presented as your own original material without permission.

Official insurer or third-party materials remain the property of their respective owners and may be subject to their own terms of use.

Recording Sessions

Mentorship sessions should not be recorded unless permission has been provided in advance.

If a session is recorded with permission, participants must respect the privacy and confidentiality of everyone involved.

Communication

Mentorship-related communication may take place through email, messaging platforms, video calls, social media or other reasonable communication methods.

A response is not guaranteed immediately, and mentorship does not provide emergency, on-demand or continuous professional support.

Scheduling & Participation

Participants are expected to attend scheduled sessions on time and communicate reasonably if they are unable to attend.

Because mentorship is provided without charge, session availability, frequency, format and continuation may change depending on availability.

Professional Conduct

Participants are expected to communicate respectfully and professionally.

Mentorship may be discontinued where there is inappropriate conduct, misuse of materials, repeated disruption, confidentiality concerns or other conduct that makes continued participation inappropriate.

Limitation of Responsibility

Mentorship is educational in nature.

To the extent permitted by law, Navdeep Virk is not responsible for losses, penalties, complaints, regulatory consequences, declined applications, chargebacks, business losses or other outcomes resulting from decisions a participant makes in their own business.

Participants are responsible for obtaining appropriate professional, compliance or legal guidance where necessary.

Changes to the Mentorship

The structure, availability, content and terms of the mentorship may be updated from time to time.

The most current version of these terms will apply to future participation after the updated terms are posted or communicated.

Acceptance of Terms

By choosing to participate in LLQP mentorship, you acknowledge that you have read and understood these Terms & Conditions and agree to participate on this basis.

Contact

Questions about the mentorship or these terms can be directed to:

Navdeep Virk

Email: navkaurvirk05@gmail.com