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Terms and Conditions of Service

Effective Date: 02/10/2025

Welcome to Policy Limit Research. Please read the following terms and conditions carefully before using our services. By submitting a case or accessing any part of our website or offerings, you acknowledge that you have read, understood, and agreed to be bound by these Terms and Conditions.

1. Informational Services Only

Policy Limit Research provides policy limit search and insurance discovery services strictly for informational purposes. Our investigations and results are designed to assist clients—primarily attorneys and legal professionals—in evaluating potential insurance coverage. However, we do not guarantee the existence, applicability, enforceability, or full scope of any policy uncovered.

You agree and understand that:

Our findings do not constitute legal advice.
Results may be incomplete, limited by third-party availability, or subject to change.
No guarantees or warranties are made about the accuracy, completeness, or timeliness of the information provided, though we aim to be as accurate as reasonably possible.

2. “As Is” and “As Available” Basis

All services and materials provided by Policy Limit Research are offered “as is” and “as available” with no warranties, express or implied. This includes, but is not limited to:

Implied warranties of merchantability
Fitness for a particular purpose
Accuracy or reliability of the information
Results obtained from using our service

We do not warrant that our services will meet your expectations or that the information delivered will be free of errors, omissions, or inaccuracies.

3. Limited Refund Policy

We stand behind the integrity of our work. If a result provided is proven to be incorrect and demonstrably verifiable through official documentation (e.g., policy declarations, court-verified coverage), the sole remedy available to the client is a refund of the original fee paid for that specific case.

We do not provide refunds under the following circumstances:

Dissatisfaction with the format or scope of information
Lack of success in your case or negotiation
Changes in insurance data after delivery
Partial information when the carrier or adjuster declines to confirm coverage

Requests for refunds must be submitted in writing within 30 calendar days of delivery and include supporting documentation for review.

4. No Attorney-Client Relationship

Use of Policy Limit Research services does not create an attorney-client relationship. We are not a law firm, do not employ attorneys, and do not provide legal representation or counsel. Information provided by us is not a substitute for legal advice from a licensed professional.

5. Limitation of Liability

To the maximum extent permitted by law:

Policy Limit Research, its owners, affiliates, and employees shall not be liable for any direct, indirect, incidental, special, or consequential damages arising from the use or inability to use our services or reliance on any provided information.
Our total liability for any claim related to our services shall not exceed the total amount paid by the client for the specific case giving rise to the claim.

6. User Responsibilities

By using our services, you agree:

To provide accurate and complete case details at the time of submission.
That you are authorized to request and receive the information sought.
That you will use the results only for lawful purposes.

You agree not to use our services to obtain information for unlawful investigations, harassment, or any purpose that violates state or federal law.

7. Confidentiality & Data Handling

We maintain strict confidentiality of all information you provide and will not share case details with third parties unless required by law. However, we cannot be held liable for any unauthorized access to your data resulting from actions outside our control.

8. General Disclaimer

Some names, scenarios, or representations on this site may be fictional or illustrative in nature. They are presented for informational and branding purposes only and should not be interpreted as representations of actual individuals or events.

9. Jurisdiction & Governing Law

These Terms are governed by the laws of the State of [Insert State, e.g., Delaware or Idaho], without regard to conflict of law principles. Any legal dispute or claim shall be resolved in the appropriate court of that jurisdiction.

10. Modifications

We reserve the right to update or change these Terms and Conditions without prior notice. Continued use of our services after changes constitutes your acceptance of the revised terms.

11. Fee Schedule

Our standard service rates are as follows: Policy Limit Research (known carrier) is $250, and Insurance Discovery (unknown carrier) is $350. If no active policy is found, a $200 no-hit fee applies to discovery searches. All pricing is subject to change at any time without prior notice. No additional fees will be charged unless explicitly stated at request time.

12. Contact

If you have questions or concerns about these Terms, please contact:

Policy Limit Research
Email: travis@policylimitresearch.com
Website: www.policylimitresearch.com