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Terms and Conditions of Service
Effective Date: 09/03/2025
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 (“PLR”) provides policy limit research services solely for informational purposes. Our work product is based on available public data, third-party information, industry research, and informed investigative methods that do not involve impersonation, pretexting, or misrepresentation.
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We do not guarantee the existence, enforceability, accuracy, or applicability of any policy or coverage.
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All findings are educated estimates derived from available sources and are subject to error, incompleteness, or later contradiction by official documentation.
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PLR’s research is designed to assist licensed attorneys and legal professionals in evaluating potential coverage, but it should never be relied upon as conclusive evidence of insurance limits.
2. Ethical Practices
PLR rejects the use of pretexting that specifically involves verbal misrepresentation with insurers. Policy Limit Research does not employ verbal misrepresentation. All research is conducted in accordance with state and federal law, and within the ethical boundaries of private investigation standards.
3. “As Is” Basis / No Guarantee of Accuracy
All services and information are delivered strictly on an “as is” and “as available” basis.
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No warranties, express or implied, are made regarding accuracy, completeness, timeliness, or reliability.
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Attorneys must treat PLR’s findings as non-authoritative leads that require independent legal verification.
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PLR does not represent that any reported policy limit is definitive or binding on any insurer.
4. Attorney Responsibility
By engaging PLR:
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Attorneys acknowledge and agree that they bear full responsibility for how the information is used in claims, negotiations, or litigation.
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Attorneys are responsible for independently verifying all insurance coverage information through discovery, subpoenas, disclosures, or other lawful means.
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PLR cannot and shall not be held accountable for strategic, legal, or evidentiary use of the information provided.
5. Limitation of Liability
To the fullest extent permitted by law:
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PLR, its owners, affiliates, contractors, and employees shall not be liable for any direct, indirect, incidental, consequential, or special damages arising from the use—or inability to use—our services.
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In no event shall PLR’s total liability exceed the fee paid for the specific case at issue.
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No representations, guarantees, or assurances are made that reliance on PLR’s information will result in favorable case outcomes, settlements, or judgments.
7. Confidentiality & Data Handling
PLR treats all submissions as confidential and does not disclose client or case data to third parties, except where required by law. Reasonable safeguards are maintained to protect client information, though PLR is not liable for unauthorized access outside its control.
8. No Attorney-Client Relationship
PLR is not a law firm, does not provide legal advice, and no attorney-client relationship is created by use of our services.
9. Governing Law
These Terms are governed by the laws of the State of Idaho, without regard to conflicts of law. Any disputes must be brought in the appropriate courts of that jurisdiction.
10. Modifications
PLR reserves the right to amend these Terms at any time without prior notice. Continued use of services after such changes constitutes acceptance of the revised Terms.
11. Fee Schedule
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Known Carrier – $100
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Insurance Discovery (Unknown Carrier) – $200
All fees are subject to change at PLR’s discretion.
Website: www.policylimitresearch.com