TERMS & CONDITIONS

Effective Date: 11/25/2025

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I. Introduction and Acceptance

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By submitting a case, purchasing a service, clicking “I Agree,” or otherwise using any part of the Policy Limit Research website, you acknowledge that you have read, understood, and agreed to be bound by these Terms and Conditions (“Agreement”). If you do not agree to these terms, you must not use the service. This Agreement constitutes a legally binding contract between you (“Client” or “You”) and Policy Limit Research, LLC (“Policy Limit Research,” “We,” or “Us”).

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II. Nature of Services (Informational Estimates Only)

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Policy Limit Research provides informational, probability-based research designed to estimate potential insurance policy limits. All results generated are non-verified estimates produced through the use of public records, economic indicators, industry data, statistical modeling, and proprietary scoring methodologies. Policy Limit Research does not represent, confirm, or guarantee the existence of any policy, the accuracy of any policy information, the existence or amount of actual coverage, the enforceability of any coverage dollar amounts, or the presence of any umbrella or excess insurance layers.

Policy Limit Research does not contact insurers, brokers, agents, claims personnel, policyholders, adjusters, or any individual or entity associated with a claim. Policy Limit Research does not obtain or attempt to obtain nonpublic personal information protected by the Gramm-Leach-Bliley Act, consumer reports governed by the Fair Credit Reporting Act, claim-file materials, policy numbers, account-level identifiers, or any information requiring authorization or access beyond what is legally obtainable from public or modeled data.

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III. No Legal, Financial, or Claims Advice

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Policy Limit Research is not a law firm and does not provide legal, claims, financial, professional, or advisory services. No attorney-client relationship is created by your use of the service. You agree not to interpret any information provided by Policy Limit Research as legal advice, confirmation of insurance coverage, negotiation strategy, claims-handling guidance, adjusting determination, or proof of insurance. You further acknowledge that you alone bear responsibility for determining the legal, strategic, or evidentiary value of any estimate provided.

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IV. Client Responsibilities and Professional Duties

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You agree to independently verify all information, including but not limited to insurer identities, policy coverage, and liability limits, before relying on any estimate in a professional context. You accept full professional responsibility for all strategic decisions you make, for any reliance on information furnished by Policy Limit Research, and for any filing, communication, or representation that incorporates or references such information. Policy Limit Research does not update, track, or monitor case developments after an estimate is delivered. You further acknowledge your obligation to comply with all ethical, professional, and legal responsibilities applicable in your jurisdiction. You agree not to portray, submit, or represent any output from Policy Limit Research as an insurer-confirmed fact or as evidence of actual insurance coverage.

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V. Fees, Billing, No Refund Policy, and Collections

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All fees are earned upon receipt, non-refundable, and non-cancellable once work has commenced. Policy Limit Research will not issue refunds, credits, or chargebacks due to no-hit results, changes in case posture, subsequently discovered contrary documentation, incorrect or incomplete information provided by the Client, dissatisfaction with estimated limits, or duplicate submissions. Payment is made for the work performed and not for any particular outcome or result.

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You irrevocably waive any right to dispute, reverse, or charge back any payment through a financial institution or payment processor. If you initiate a chargeback contrary to this Agreement, you acknowledge that Policy Limit Research incurs damages that are inherently difficult to quantify. As a result, you agree that Policy Limit Research shall be entitled to liquidated damages in the amount of one thousand dollars ($1,000) for each disputed charge, together with all associated collection costs and attorney’s fees. These liquidated damages constitute a reasonable pre-estimate of actual harm and are not a penalty.

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Any invoice or outstanding balance not paid within thirty (30) days of issuance shall be deemed delinquent. Policy Limit Research may, at its sole discretion, refer any unpaid balance to a third-party collections agency, and you shall be responsible for all reasonable costs incurred as a result of such collection efforts, including administrative fees, agency charges, and attorney’s fees.

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VI. No Guarantee and Assumption of Risk

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Policy Limit Research makes no representation or warranty regarding the accuracy, completeness, reliability, or correctness of any estimate provided. Policy Limit Research does not guarantee that any estimate will match, reflect, or correspond to insurer disclosures, subpoenaed policy documents, or any official insurance record. Insurance research is inherently uncertain, and all results may be incomplete, inaccurate, or wholly incorrect.

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By using the service, you voluntarily assume all risks associated with the possibility of incorrect estimates, strategic reliance, misinterpretation, or adverse outcomes resulting from the use or non-use of any information provided. You release and discharge Policy Limit Research from all liability arising out of or relating to such risks.

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VII. Limitation of Liability

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To the fullest extent permitted by law, the total cumulative liability of Policy Limit Research for any claim arising out of or relating to this Agreement shall not exceed the amount paid by the Client for the specific case at issue. Under no circumstances shall Policy Limit Research be liable for indirect, incidental, consequential, punitive, or special damages, including but not limited to missed settlement opportunities, erroneous settlement valuations, litigation outcomes, professional discipline, loss of income or clients, business interruption, or strategic harm. Policy Limit Research owes no fiduciary duty, professional duty, or duty of care beyond performing services in good faith. Any reliance on information produced by Policy Limit Research is undertaken exclusively at your own risk.

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VIII. Indemnification

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You agree to indemnify, defend, and hold harmless Policy Limit Research and its owners, employees, contractors, affiliates, and representatives from any claim, liability, loss, cost, or damage, including attorney’s fees, arising out of or relating to your use or misuse of information provided by Policy Limit Research, your reliance on any estimate, your strategic, legal, or professional decisions, any representation you make regarding the accuracy of Policy Limit Research’s output, or any chargeback, dispute, or breach of this Agreement. This indemnification obligation is broad, unconditional, and shall survive the termination of this Agreement.

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IX. Intellectual Property Protections

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All methods, scoring systems, predictive models, data structures, output formats, proprietary tools, and related intellectual property used or created by Policy Limit Research are owned exclusively by Policy Limit Research. You may not reverse-engineer, resell, redistribute, scrape, or utilize Policy Limit Research’s data or outputs to train any machine-learning model or automated system without prior written consent.

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X. Compliance with Laws

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You certify that your use of Policy Limit Research’s services will be lawful and ethical at all times. Policy Limit Research complies with the Gramm-Leach-Bliley Act, the Fair Credit Reporting Act, anti-pretexting statutes, state impersonation laws, and all applicable consumer privacy regulations. You agree not to request or encourage Policy Limit Research to engage in any conduct that violates or could violate these laws.

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XI. Modifications

Policy Limit Research reserves the right to update or amend these Terms and Conditions at any time. Continued use of the service after such modifications shall constitute acceptance of the revised Agreement.

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XII. Governing Law, Venue, and Arbitration

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This Agreement shall be governed exclusively by the laws of the State of Wyoming. Any dispute, controversy, or claim arising from or relating to this Agreement or the services provided by Policy Limit Research shall be resolved through binding arbitration administered by the American Arbitration Association, with all proceedings conducted in Sheridan, Wyoming. By entering into this Agreement, you knowingly waive any right to a jury trial and any right to pursue or participate in a class action, group arbitration, or mass action. Any claim brought in violation of these requirements shall be subject to dismissal.

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XIII. Severability

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If any provision of this Agreement is found to be invalid, unlawful, or unenforceable, the remaining provisions shall continue in full force and effect without impairment.

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XIV. Entire Agreement

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This Agreement constitutes the complete and exclusive understanding between the parties and supersedes all prior or contemporaneous communications, representations, or agreements, whether written or oral, concerning the subject matter herein.

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