Terms & Conditions

TERMS & CONDITIONS

Effective Date: October 23rd, 2025

These Terms & Conditions (“Agreement”) govern all insurance brokerage, advisory, and risk management services provided by Cory Washington & Co. LLC (“Cory Washington & Co.,” “we,” “us,” or “our”) to you (“Client”).

By engaging our services, receiving communications from us, or transacting business through any of our platforms, you agree to the terms outlined below.

1. DEFINITIONS & SCOPE

This Agreement applies to all services rendered by Cory Washington & Co. LLC in our capacity as an Insurance & Risk Management Firm, including but not limited to:

Advisory, placement, renewal, and claims-related services;
Risk assessments and consulting engagements;
SMS or digital communications; and
Self-service or third-party insurance links made available through our platforms.

Unless expressly modified by a separate written agreement, these Terms represent the full understanding between the parties.

2. CLIENT RESPONSIBILITIES

You agree to:

Provide accurate, complete, and timely information that is material to your insurance or risk profile.
Review all policy documents, binders, and certificates upon receipt and promptly notify us of any inaccuracies.
Immediately inform us in writing of any material changes in operations, exposures, ownership, or contact information, including:
- Changes to business activities, location, payroll, revenues, or assets;
- Expansion into new states, products, or industries;
- Modifications to contracts or vendor relationships that may affect insurance obligations.

Failure to disclose material information may void coverage, result in claim denial, or limit benefits under your policy. Cory Washington & Co. LLC is not responsible for losses arising from incomplete or inaccurate client disclosures.

3. OUR SERVICES

Cory Washington & Co. LLC acts solely as an independent intermediary between clients and insurers. Our role includes:

Identifying and recommending insurance products and carriers suited to your needs;
Negotiating with underwriters to secure favorable terms and coverage;
Assisting with renewals, claims advocacy, and risk management support.

We do not guarantee insurer solvency, policy issuance, or claims payment.
We do not provide legal, tax, or accounting advice unless separately retained under a written consulting agreement.

We may place coverage through affiliated intermediaries, MGAs, or other licensed entities, and may subcontract certain administrative or analytical functions when necessary.

4. FEES, COMPENSATION & TAXES

Our firm may be compensated through:

Broker commissions paid by insurance carriers;
Service or policy fees disclosed in advance of binding coverage; or
Advisory or consulting fees where applicable.

All fees are exclusive of applicable taxes unless expressly stated otherwise.
You authorize us to receive compensation from carriers or intermediaries as part of standard market practice.

5. LIMITATION OF LIABILITY

To the fullest extent permitted by law:

Direct Damages Only: Our liability is limited solely to direct losses caused by our proven negligence, gross negligence, or willful misconduct.
Exclusions: We shall not be liable for indirect, incidental, consequential, special, exemplary, or punitive damages, including loss of profits, goodwill, or data.
Aggregate Cap: Our total aggregate liability, whether in contract, tort, or otherwise, shall not exceed $1,000,000 per claim or series of related claims.
Claims Period: Any claim against Cory Washington & Co. LLC must be made in writing within 30 days of the date the issue was discovered or reasonably should have been discovered.

You agree to indemnify and hold us harmless against any third-party claims arising from your acts, omissions, misrepresentations, or failure to fulfill obligations under these Terms.

6. CONFIDENTIALITY & DATA PRIVACY

Both parties agree to maintain the confidentiality of proprietary and sensitive information shared in the course of engagement.

Confidentiality obligations survive for two (2) years following termination of this Agreement.
Disclosures required by law, regulation, or court order are permitted with reasonable notice, when practicable.
Cory Washington & Co. LLC complies with all applicable federal and state data protection laws, and processes personal data in accordance with our published Privacy Policy.

7. SMS TERMS OF SERVICE

By opting in via any form, application, or platform, you consent to receive SMS communications from Cory Washington & Co. LLC.

Purpose: Notifications may include account updates, renewals, payment reminders, claim updates, and occasional promotional content.
Frequency: Varies based on account activity.
Charges: Message and data rates may apply.
Opt-Out: Reply “STOP” to unsubscribe at any time.
Help: Reply “HELP” or visit https://corywashington.com.
Privacy: SMS consent and phone numbers are not sold, rented, or shared with any third party.

All messaging practices comply with the Telephone Consumer Protection Act (TCPA) and CAN-SPAM Act where applicable.

8. TERMINATION

Either party may terminate this Agreement upon 14–30 days’ written notice, subject to any ongoing policy obligations or unpaid fees.

Upon termination:

All commissions and service fees earned or incurred prior to the effective date of termination remain due and payable.
Cory Washington & Co. LLC retains the right to complete pending transactions and ensure proper policy administration.

9. FORCE MAJEURE

Neither party shall be held liable for delays or failures in performance caused by events beyond reasonable control, including but not limited to natural disasters, pandemics, regulatory actions, cyber incidents, or infrastructure failures.

10. GOVERNING LAW & DISPUTE RESOLUTION

This Agreement is governed by the laws of the State of Nevada, without regard to conflict of law principles.

All disputes shall be resolved exclusively in the state or federal courts located in Clark County, Nevada, and both parties consent to the jurisdiction and venue of those courts.

11. MODIFICATIONS & ENTIRE AGREEMENT

We may amend these Terms periodically by posting an updated version on our website or providing written notice.

Your continued use of our services or receipt of communications constitutes acceptance of the revised Terms.

These Terms supersede any prior agreements or understandings unless expressly modified by a written agreement signed by both parties.

12. SELF-SERVICE INSURANCE LINKS & DIRECT CARRIER ACCESS

For your convenience, our Site may provide links that allow you to apply for or purchase insurance directly from carriers or authorized third-party platforms.

By using these links, you acknowledge and agree:

You are solely responsible for the accuracy and completeness of all information submitted.
Policies purchased via these links are administered directly by the carrier, including all renewals, payments, and claims.
Use of self-service links does not create a brokerage, fiduciary, or advisory relationship with Cory Washington & Co. LLC.
We disclaim any liability for underwriting outcomes, coverage terms, or claim denials arising from carrier-controlled platforms.
Once redirected, your information is governed by the third party’s privacy policy and terms of use.

If you wish to receive professional brokerage or advisory assistance, you must engage our firm directly.

13. CONTACT INFORMATION

For questions or notices regarding this Agreement, please contact:

CORY WASHINGTON & CO. LLC
Insurance & Risk Management Firm
info@corywashington.com
https://corywashington.com

Terms Of Use

Terms of Use

Effective Date: October 23rd, 2025

Welcome to the official website of Cory Washington & Co. LLC (“Cory Washington & Co.,” “we,” “us,” or “our”). These Terms of Use (“Terms”) govern your access to and use of our website, client portal, digital applications, and related online services (collectively, the “Site”).

By accessing or using this Site, you agree to be bound by these Terms and our Privacy Policy. If you do not agree, please discontinue use immediately.

1. Who We Are

Cory Washington & Co. LLC is a licensed Insurance & Risk Management Firm operating nationwide. We provide commercial and personal insurance brokerage, risk consulting, and advisory services to individuals and organizations across various industries.

Our Site is designed to provide general information about our firm, the services we offer, and resources to assist clients in managing their insurance and risk programs.

2. Authorized Use of This Site

You agree to use the Site only for lawful purposes and in compliance with these Terms. You must not:

Use the Site for fraudulent, misleading, or unlawful activity.
Attempt to gain unauthorized access to any data, system, or network connected to the Site.
Reproduce, republish, distribute, display, or exploit any Site content without our prior written consent.
Use bots, crawlers, scrapers, or any automated means to extract or harvest data.
Interfere with or disrupt Site functionality or attempt to bypass any security measures.

Your use of the Site is subject to monitoring and review for compliance and security purposes.

3. Intellectual Property Rights

All materials and content available on this Site—including but not limited to text, graphics, logos, icons, photographs, videos, and software—are the exclusive property of Cory Washington & Co. LLC or its licensors, protected by U.S. and international copyright, trademark, and intellectual property laws.

You may download or print content for personal, internal business, or informational use only, provided that you do not modify or remove proprietary notices. Any other use, including commercial reproduction or redistribution, is strictly prohibited without our express written authorization.

4. Third-Party Links & Resources

Our Site may contain links to third-party websites, tools, or platforms. These links are provided for convenience and informational purposes only. We do not control or endorse the content, products, or services offered by third parties and are not responsible for their accuracy, reliability, or data practices.

Accessing third-party sites is at your own risk. We recommend reviewing their terms of use and privacy policies before engaging with them.

5. SMS Communications

By providing your mobile number and opting in, you consent to receive SMS messages from Cory Washington & Co. LLC.

Types of Messages: Account updates, policy reminders, renewal notifications, payment alerts, claim-related communications, and occasional promotional content.
Frequency: Message frequency may vary.
Rates: Standard message and data rates may apply.
Opt-Out: Reply “STOP” to unsubscribe at any time.
Assistance: Reply “HELP” or visit https://corywashington.com.
Privacy: We do not share SMS consent or phone numbers with third parties. For full details, refer to our Privacy Policy.

6. Disclaimer of Warranties

The Site and all materials contained herein are provided on an “as is” and “as available” basis without warranties of any kind, either express or implied.

We make no representations or warranties regarding:

The accuracy, completeness, or reliability of Site content.
The availability or functionality of the Site.
The absence of viruses, security vulnerabilities, or errors.

Your use of the Site and its content is entirely at your own risk.

7. Limitation of Liability

To the fullest extent permitted by law, Cory Washington & Co. LLC and its affiliates, officers, employees, and agents are not liable for any direct, indirect, incidental, consequential, special, or punitive damages arising from:

Your access to or use of the Site;
Any errors, omissions, interruptions, or delays in Site operation;
Viruses or harmful components transmitted through the Site; or
Reliance on any content or information obtained from the Site.

Certain jurisdictions do not allow limitation of liability for incidental or consequential damages, so some of the above limitations may not apply to you.

8. Indemnification

You agree to indemnify, defend, and hold harmless Cory Washington & Co. LLC, its affiliates, partners, officers, employees, and agents from any claims, losses, damages, liabilities, costs, or expenses (including attorneys’ fees) arising from your use of the Site, your violation of these Terms, or your misuse of any content or services.

9. Privacy & Data Use

Your use of this Site is also governed by our Privacy Policy, which describes how we collect, use, disclose, and safeguard your personal information.

Residents of California and other applicable states may have additional rights outlined in our California Privacy Rights Notice.

10. Children’s Use

Our Site and services are not directed toward children under the age of 18. We do not knowingly collect personal information from minors without verified parental consent. If you believe a child has provided us information, please contact us to request deletion.

11. Governing Law & Jurisdiction

These Terms are governed by the laws of the State of Nevada, without regard to conflict of law principles.

You agree that any dispute, claim, or proceeding arising under or related to these Terms shall be brought exclusively in the state or federal courts located in Clark County, Nevada, and you consent to the personal jurisdiction of those courts.

12. California Users – Your Rights

California residents may:

Request to know what categories of personal information we collect or disclose;
Request deletion of personal data; and
Opt out of the sale or sharing of personal information (we do not currently sell or share personal data).

We do not knowingly sell or share data of individuals under 16 years old. For details, see our California Privacy Rights Notice or contact info@corywashington.com.

13. Self-Service Insurance Links & Direct Carrier Access

As part of our client resources, we may provide links that allow you to purchase or apply for insurance directly from carriers or third-party platforms.

By using these self-service links, you acknowledge and agree that:

Accuracy of Information: You are solely responsible for ensuring all information submitted during the application process is accurate and complete.
Policy Management: Policies purchased through third-party links are your responsibility to review, manage, and maintain with the carrier directly.
No Advisory Relationship: Use of these links does not create a broker-client, fiduciary, or advisory relationship with Cory Washington & Co. LLC.
Liability Limitation: We are not responsible for any loss, claim, or coverage dispute arising from transactions on third-party platforms.
Third-Party Policies: Your data will be governed by the privacy and terms of the platform you use.

To obtain professional advice or brokerage assistance, please contact us directly to establish a client relationship.

14. Updates to These Terms

We may revise or update these Terms periodically. The “Effective Date” at the top indicates the most recent version. Material changes will be communicated as required by law. Continued use of the Site after changes constitutes acceptance of the updated Terms.

15. Contact Us

For questions, requests, or additional information regarding these Terms, please contact:

CORY WASHINGTON & CO. LLC
Insurance & Risk Management Firm
info@corywashington.com
https://corywashington.com

Privacy Policy

Effective Date: October 23rd, 2025

At Cory Washington & Co. LLC (“Cory Washington & Co.,” “we,” “us,” or “our”), safeguarding your privacy is integral to the way we conduct business. As a professional Insurance & Risk Management Firm, we are committed to maintaining the confidentiality, integrity, and security of the personal information entrusted to us by our clients, prospects, and business partners.

This Privacy Policy describes how we collect, use, disclose, and protect your personal information, and outlines the rights and choices available to you.

1. Information We Collect

We may collect personal and business information through a variety of sources, including but not limited to:

Information you provide on applications, forms, contracts, or through direct communication (e.g., name, business entity, address, Social Security number, FEIN, income, industry, or risk profile).
Transactional data arising from your interactions with us or other parties (e.g., policy numbers, coverage details, premiums, and claims).
Third-party data sources such as consumer reporting agencies, loss history databases, credit bureaus, and motor vehicle records.
Digital information collected automatically from our website, portals, or emails (e.g., IP address, cookies, browser type, session logs).
Mobile communications data, including phone numbers and SMS consent records, when you opt in to receive text messages from us.

2. How We Use Your Information

We process personal information strictly for legitimate business purposes, including to:

Provide, manage, and service insurance, risk management, and advisory products.
Underwrite and administer policies, process claims, and manage renewals.
Communicate with you regarding your account, coverage updates, billing, and renewal reminders.
Deliver educational or promotional communications (only with your consent, where required).
Fulfill legal, regulatory, and compliance obligations with state and federal authorities.
Enhance operational efficiency, internal analytics, and client experience.

We do not use your information for automated decision-making or profiling beyond what is necessary for legitimate insurance underwriting or risk assessment.

3. Information We Share

We value confidentiality and never sell your personal information. However, we may disclose information when necessary to provide services or meet legal requirements, including to:

Insurance carriers, reinsurers, MGAs, and wholesalers for placement and servicing of policies.
Service providers and vendors supporting firm operations (e.g., billing platforms, IT infrastructure, CRMs, SMS communication systems).
Regulatory authorities and law enforcement agencies when required by law, subpoena, or regulatory order.
Claims professionals, including adjusters, investigators, or legal counsel, as part of claim resolution.

Your SMS consent and mobile contact information are never shared or sold to third parties and are used solely for communications from Cory Washington & Co. LLC.

4. Data Security & Safeguards

We maintain robust administrative, technical, and physical safeguards designed to protect personal information against unauthorized access, loss, misuse, or alteration. Access to client data is restricted to personnel and service partners who require it for legitimate business purposes and are bound by confidentiality obligations.

5. Your Privacy Rights

Depending on your jurisdiction, you may have the right to:

Access personal information we maintain about you.
Request correction or deletion of your personal data, subject to regulatory retention requirements.
Opt out of certain data-sharing or marketing activities.
Withdraw SMS consent at any time by replying “STOP” to any text message.

To exercise your rights, please contact us at info@corywashington.com.

6. California Privacy Rights (CCPA/CPRA Addendum)

If you are a California resident, you are entitled to additional rights under the California Consumer Privacy Act (CCPA) and the California Privacy Rights Act (CPRA):

Right to Know – You may request information regarding the categories and purposes of data we collect.
Right to Delete – You may request deletion of specific personal information, subject to legal exceptions.
Right to Opt Out – You may opt out of any sale or sharing of personal information (we do not sell personal data).
Right to Correct – You may request correction of inaccurate information.
Right to Limit Use of Sensitive Data – You may limit our use of sensitive information (e.g., SSN, driver’s license) to what is reasonably necessary for providing insurance services.

To submit a privacy request, email info@corywashington.com. We will verify your identity before processing any request. Cory Washington & Co. LLC does not discriminate against individuals who exercise their rights.

7. SMS Communications

By providing your mobile number and opting in, you consent to receive SMS messages from Cory Washington & Co. LLC for service updates, policy notifications, and marketing (where applicable).

Message frequency may vary.
Message and data rates may apply.
Reply STOP to cancel or HELP for assistance.
SMS consent data is not shared or sold to any third party.

8. Third-Party Platforms & Self-Service Links

Our website or communications may include links to carrier portals, quote platforms, or third-party applications.

Independent Privacy Policies: Information submitted directly through these platforms is governed by their respective privacy policies, not ours.
No Automatic Data Transfer: We do not automatically receive personal information you submit to third-party systems unless you expressly authorize sharing.
Your Responsibility: We recommend reviewing third-party privacy policies before providing personal information.
Our Role: Providing access to these links does not create an advisory or brokerage relationship unless you formally engage our firm for professional services.

9. Policy Updates

We may amend this Privacy Policy periodically to reflect legal, technological, or business developments. Updated versions will be posted with a revised “Effective Date.” Material changes will be communicated as required by law.

10. Contact Us

For questions, requests, or to obtain a printed copy of this Privacy Policy, please contact:

CORY WASHINGTON & CO. LLC
Insurance & Risk Management Firm
info@corywashington.com