TERMS & CONDITIONS

Nature of Services

Policy Limit Research acts solely as a broker and administrative intermediary for policy-limit probability and related investigative reports (collectively, "Services") requested by licensed plaintiff personal injury attorneys, authorized agents of those attorneys, or law firms employing licensed plaintiff personal injury attorneys representing personal injury victims in connection with or in anticipation of litigation. Policy Limit Research does not itself conduct investigations, perform searches, access investigative databases, analyze source data, verify information, or make policy-limit predictions. Policy Limit Research accepts case submissions, transmits those submissions to third-party investigative, receives the resulting work product from that third party, and provides the final report to the Client.

All investigative, search, verification, predictive, and data-analysis work underlying a report delivered by Policy Limit Research is performed by a third party as an independent service provider. Policy Limit Research may format, brand, transmit, invoice for, and deliver the final report, but Policy Limit Research does not perform or direct the underlying search methodology. The Client expressly acknowledges and agrees that Policy Limit Research is the entity providing the final report to the Client even though the third party contractor performs the underlying investigation, search, analysis, and preparation of the substantive results. Neither Policy Limit Research nor the third party contractor provides legal advice, settlement evaluation, or case strategy, and nothing furnished through Policy Limit Research should be construed as such.

Purpose of Services

The Services are provided for informational case-assessment purposes only. The purpose of each report is to provide a prediction concerning potential liability policy limits, and where applicable related asset information, based upon lawfully available information analyzed by the third party contractor. The report is intended to assist with concerns involving nondisclosure, concealment, or misrepresentation of liability policy limits and with case-risk analysis. Policy Limit Research brokers each engagement in good faith, for lawful purposes, and at the direction of an engaging attorney.

Engagement and Client Certifications

Policy Limit Research accepts submissions only from a licensed plaintiff attorney, an authorized agent of that attorney, or the law firm employing a licensed plaintiff attorney. Submission of a case to Policy Limit Research, together with acknowledgment of these Terms, constitutes authorization for Policy Limit Research to transmit the submission and all reasonably necessary information to a third party for performance of the underlying investigative and analytical work.

By submitting a case, the Client represents and certifies that the submission accurately identifies the matter, including all relevant parties and any relevant case number; identifies the jurisdiction or jurisdictions in which the firm is located; reflects a determination by the engaging attorney that the requested investigation is necessary for case assessment; arises from concerns of nondisclosure, concealment, or misrepresentation relating to coverage limits; and complies with all applicable professional, ethical, and legal obligations, including applicable rules of professional conduct, state bar requirements, and licensing or investigator-licensing laws of the jurisdictions involved. Any individual submitting a case for the Client represents and warrants that the individual has authority to bind the Client to these Terms.

The Client specifically certifies that all information submitted to Policy Limit Research complies with the Gramm-Leach-Bliley Act ("GLBA"), the Drivers Privacy Protection Act ("DPPA"), applicable Federal Trade Commission ("FTC") regulations or laws, and the Fair Credit Reporting Act ("FCRA"). The Client certifies that no information provided to Policy Limit Research or transmitted by Policy Limit Research to the third party contractor was obtained in violation of any federal or state law or regulation, or by any method that would result in Policy Limit Research or a third party contractor receiving confidential or protected personally identifiable information without lawful authority.

The Client certifies that the purpose for engaging Policy Limit Research includes investigation related to legal proceedings, prevention of fraud, misrepresentation or wrongful withholding of information, or case-risk evaluation. The Client will not provide Policy Limit Research with information that is unnecessary for a third party to perform the underlying work for those stated purposes.

The Client further represents that all information submitted to Policy Limit Research is true and accurate to the best of the Client knowledge, that the Client has authority to request the Services on behalf of the represented person or party, and that no part of the engagement is intended for harassment, intimidation, stalking, or any unlawful purpose.

Scope and Limits of Brokered Services

Policy Limit Research services are limited to brokering requests to a third party investigative service for reports predicting personal policy limits and, where available, reporting lawfully obtainable information concerning commercial liability policy limits or potential assets. Policy Limit Research does not perform any investigation, search, verification, prediction, or source-data analysis. The third party contractor may be unable to verify predicted policy limits, and neither Policy Limit Research nor the third party guarantees that verification will occur. The Services are not a substitute for statutory disclosure, formal discovery, or other legal processes. The Client remains responsible for pursuing those processes when appropriate.

Policy Limit Research does not request, authorize, or broker searches that involve or attempt to access, verify, or predict statutorily protected information, information protected by federal regulations, consumer credit reports or histories, medical or health records, insurance claim-file contents, telecommunications records, motor vehicle records protected by law, tax records, government benefit records, or any other nonpublic personal information protected by financial, health, or privacy regulations. The underlying work performed by the third party contractor relies solely upon information available through lawful public means or lawful third-party investigative methods. Policy Limit Research does not control, influence, or otherwise direct any third party contractor in its performance of any investigative search beyond selecting which third party to perform the investigative search. Policy Limit Research is not responsible for any of the information obtained by a third party contractor in its performance of any investigative search.

Not a Consumer Reporting Agency

Policy Limit Research does not assemble, evaluate, or furnish consumer reports and does not determine creditworthiness or eligibility for credit, insurance, employment, housing, or any other purpose governed by the Fair Credit Reporting Act. Information provided through Policy Limit Research may not be used for any FCRA-regulated purpose, and the Client agrees not to use any report for such a purpose. No Service rendered by Policy Limit Research is intended to constitute Policy Limit Research acting as a consumer reporting agency.

Informational Use Only

All information provided through Policy Limit Research is strictly for informational and data-analysis purposes. Information is delivered "as is," without warranties of any kind, express or implied, including warranties of accuracy, completeness, reliability, merchantability, or fitness for a particular purpose. Policy Limit Research expressly disclaims, and the Client specifically acknowledges, any guarantee concerning the accuracy of predicted policy limits. Reports delivered by Policy Limit Research may not be relied upon as proof or verification of insurance coverage. The Client must independently verify available insurance coverage through appropriate legal means or processes.

Policy Limit Research does not guarantee, warrant, or represent that any result, finding, or information provided in a report is complete, accurate, or free from error. The Client acknowledges that errors, omissions, and inaccuracies may occur in source information, investigative work, analysis, report preparation, transmission, or delivery. All materials and outputs delivered by Policy Limit Research are for informational and research purposes only and are not intended to create reliance of any kind. Policy Limit Research expressly disclaims responsibility or liability for how information is used or interpreted in any legal, professional, or strategic context. All results must be independently reviewed, confirmed, and verified by the Client or another appropriate professional, and the Client remains solely responsible for determining accuracy, applicability, and legal sufficiency before relying upon any information.

Fees, Payment, and Refunds

Fees for Services brokered and delivered by Policy Limit Research are due as quoted or invoiced at the time of engagement and are payable in accordance with the Policy Limit Research Fee Schedule, which is incorporated by reference. Unless expressly stated otherwise in writing, all fees are earned when Policy Limit Research delivers or makes available the resulting report, regardless of the findings or whether specific information is obtained. The Client understands that payment is for the intake, administration, coordination, brokering, analysis, report preparation, and delivery, and not for any specific outcome or level of accuracy.

Payment is due within seven (7) days from the date case results are originally provided. If payment remains outstanding, reminder notices may be issued. Balances unpaid more than thirty (30) days after the due date will incur a ten percent (10%) late fee accruing monthly until paid in full. All payments will be applied to accrued charges first and then to principal. Policy Limit Research may suspend acceptance, processing, or delivery of any matter submitted by a Client with a delinquent balance.

If the Client fails to remit payment to Policy Limit Research in a timely manner, the account may be submitted to an attorney or collection provider. The Client will be responsible for all reasonable collection costs, including pre-litigation collection efforts, litigation costs and attorney fees, and judgment-enforcement expenses. A failure by Policy Limit Research to enforce any right or provision of these Terms does not waive later enforcement of that right or provision.

Confidentiality

All information provided to Policy Limit Research in connection with an engagement will be treated as confidential and, where applicable, as attorney work product. The Client authorizes Policy Trace to disclose and transmit information to a third party contractor to the extent reasonably necessary for the third party contractor to perform the underlying investigative and analytical work. Policy Limit Research and the third party contractor may also disclose information with Client authorization or as required by law, subpoena, or court order. The confidentiality obligations stated in these Terms survive termination of an engagement.

Ownership and Use of Reports

Reports and deliverables provided by Policy Limit Research are licensed to the Client for use only in the specific matter for which they were commissioned. Policy Limit Research retains all contractual rights in the report format, branding, compilation, and delivery materials, while the third party contractor retains all rights in underlying methodologies, source selection, templates, analysis, and research processes. The Client may not republish, resell, redistribute, reverse engineer, or use a report for another matter without prior written consent from Policy Limit Research. Any dissemination of information concerning how Policy Limit Research brokers cases or how a third party contractor performs the underlying investigative work is prohibited except as required by law or legal process.

Limitation of Liability

To the fullest extent permitted by law, Policy Limit Research will not be liable for errors, omissions, misstatements, or misconduct by any third party, data providers, public-record sources, or other third parties; for delays, refusals, outages, or failures outside the reasonable control of Policy Limit Research; for reliance upon any report without independent Client confirmation; or for any direct, indirect, incidental, consequential, special, exemplary, or punitive damages arising from or relating to the Services.

In no event will the aggregate liability of Policy Limit Research arising from or relating to these Terms or the Services exceed the total fees actually paid by the Client to Policy Limit Research for the specific engagement giving rise to the claim. The Client accepts full responsibility for evaluating, verifying, and relying upon information contained in any report. The selected third party contractor is an intended third-party beneficiary of the limitations, disclaimers, releases, and protections stated in these Terms to the extent a claim arises from or relates to work performed by the third party contractor.

Without limiting the preceding provisions, Policy Limit Research specifically disclaims, and the Client acknowledges that Policy Limit Research is not responsible for, any claim, loss, damage, or other harm arising from a predicted policy limit or related information that is inaccurate, incomplete, outdated, or later shown to be incorrect. This disclaimer applies even though Policy Limit Research delivers the final report to the Client.

No Guarantee of Outcome

Engagement with Policy Limit Research does not guarantee that liability policy-limit information will be obtained, that information contained in a report will be accurate, or that any particular case outcome will follow. The Client acknowledges that investigative work performed by the third party contractor is inherently uncertain and that public, quasi-public, and third-party records may be incomplete, outdated, or erroneous through no fault of Policy Limit Research or the third party contractor.

Indemnification

The Client agrees to indemnify, defend, and hold harmless Policy Limit Research and each of their owners, members, managers, employees, contractors, third party contractors, and agents from and against all claims, liabilities, damages, losses, costs, and expenses, including reasonable attorney fees, arising from or related to Client use or misuse of information provided through Policy Limit Research; breach of these Terms or any representation made under them; violation of applicable law, any rule of professional conduct, or any third-party right; or any decision made or action taken in reliance upon a report.

The Client further agrees to indemnify, defend, and hold harmless Policy Limit Research and each of their owners, members, managers, employees, contractors, third party contractors, and agents from and against all claims, liabilities, damages, losses, costs, and expenses, including reasonable attorney fees, arising from or related to information supplied by the Client to Policy Limit Research, transmission of that information to a third party contractor, or the Services requested by the Client.

Reports delivered by Policy Limit Research are for informational purposes only and do not constitute legal advice or confirmed insurance coverage. The Client must independently verify policy limits and assumes full responsibility for use of any information provided. The Client agrees that neither Policy Limit Research nor the third party contractor will be liable for decisions made or actions taken in reliance upon a report.

Term and Termination

These Terms govern each engagement upon submission of a case and continue until the requested Services are completed or the engagement is terminated. Either party may terminate an engagement at any time by written notice. Termination does not relieve the Client of the obligation to pay for work performed or reports prepared before termination. Provisions that by their nature should survive, including confidentiality, ownership, limitation of liability, third-party beneficiary protections, indemnification, and governing law, will survive termination.

Force Majeure

Policy Limit Research will not be liable for any failure or delay caused by circumstances beyond its reasonable control, including acts of God, natural disasters, governmental action, civil unrest, labor disputes, public-health emergencies, internet or utility outages, failures of a third party contractor or other service providers, third-party data-source failures, or other events of force majeure.

Entire Agreement

These Terms constitute the entire agreement between Policy Limit Research and the Client concerning the subject matter addressed and supersede all prior or contemporaneous understandings, representations, or agreements, whether written or oral, unless expressly incorporated.

Assignment

The Client may not assign or transfer any obligation, duty, responsibility, or right under these Terms without prior written consent from Policy Limit Research. Policy Limit Research may subcontract, delegate, or transmit the underlying investigative and analytical work to a third party contractor without further Client consent. Policy Limit Research may otherwise assign an engagement only in connection with a merger, acquisition, reorganization, or sale of substantially all assets.

Severability

If any provision of these Terms is found invalid or unenforceable by a court of competent jurisdiction, the remaining provisions shall remain in full force and effect, and the invalid or unenforceable provision shall be reformed to the minimum extent necessary to make it valid and enforceable while preserving the parties’ original intent. If the invalid or unenforceable provision cannot be reformed to make it enforceable, then it shall be removed and all remaining provisions shall remain in effect.

Governing Law, Jurisdiction, and Venue

Policy Limit Research is a Wyoming limited liability company, and the Client engagement is with Policy Limit Research. By engaging Policy Limit Research and accepting the Services, the Client agrees to personal jurisdiction in the state and federal courts located in Wyoming. Venue for any state-court action will lie in the Wyoming county where the principal office of Policy Limit Research is located according to the last filed Secretary of State filing, as amended from time to time. Venue for any federal action will lie in the United States District Court for the District of Wyoming.

These Terms will be interpreted and enforced under the laws of the State of Wyoming, without regard to conflict-of-law principles.

Electronic Acknowledgment, Acceptance, and Authority

Submission of a case through the Policy Limit Research website, email, application, portal, or other approved method constitutes electronic acceptance of these Terms. The individual submitting the request represents and warrants that the individual has authority to bind the Client. Electronic records maintained by Policy Limit Research concerning acceptance, including the submitting account, date, time, and applicable version of these Terms, will constitute evidence of assent.