Effective Date: August 15, 2025

This Agreement governs all services provided by CORY WASHINGTON & CO. LLC (“we,” “us,” “our”) as insurance brokers or risk consultants to you (“Client”). It applies to proposals, advice, placements, renewals, SMS communications, and claims-related services unless otherwise agreed in writing.

• You must provide accurate, complete, and timely information material to your risk profile and insurance program.
   
• You are responsible for reviewing all policy documents and notifying us of errors or omissions promptly.
   
• Failure to disclose material information may void your coverage or impair claims.
   
• It is your sole responsibility to notify CORY WASHINGTON & CO. LLC in writing of any material changes to business operations. This includes, but is not limited to, changes in physical or mailing address, business activities, expansion of operations, or any other relevant developments not previously disclosed. Failure to provide timely notice of such changes may result in a denial of coverage, limitation of benefits, or cancellation of the policy.
   

• We act solely as an intermediary: recommending, sourcing, and placing insurance coverage.
   
• We do not guarantee insurer solvency or claims payment and do not provide legal advice unless you retain legal counsel.
   
• We may place business with selected insurers and affiliates, and occasionally subcontract work as reasonably required.
   

• We may be compensated via broker commissions, fees, or both.
   
• Any additional fees (e.g., policy administration, endorsements, claims handling) will be disclosed.
   
• All prices are exclusive of taxes unless stated otherwise.
   

• We are liable only for direct losses resulting from our negligence, gross negligence, or misconduct.
   
• We disclaim liability for indirect, incidental, consequential, loss of profits, goodwill, or data.
   
• Our aggregate liability per claim or series of claims arising from the same event is capped at $3,000,000, unless prohibited by law.
   
• Claims must be notified to us in writing within 12 months of discovery.
   
• You agree to indemnify us for third-party claims arising from your actions or omissions beyond our scope.
   

• We and you each agree to maintain the confidentiality of the other’s proprietary information.
   
• Confidentiality obligations expire two (2) years after termination.
   
• Any disclosures required by law or regulator are permitted with prior notice where possible.
   
• We follow applicable privacy laws and maintain a separate Privacy Policy.
   

By opting into SMS from a web form, application, or other medium, you agree to receive SMS messages from CORY WASHINGTON & CO. LLC.

• Types of Messages: You may receive account notifications, policy updates, renewal reminders, payment alerts, claims-related updates, and occasional marketing messages.
   
• Frequency: Message frequency may vary.
   
• Rates: Message and data rates may apply.
   
• Opt-Out: You may opt out at any time by replying STOP to any text message.
   
• Help: For assistance, reply HELP or visit https://corywashington.com.
   
• Privacy: SMS consent is not shared with third parties or affiliates. Please review our full Privacy Policy.
   

Either party may terminate by giving written notice (e.g., 14 or 30 days depending on practice). On termination, you remain liable for fees, commissions, or claims transactions due prior to termination continuity.

Neither party is liable for delay or non-performance due to unforeseen events outside control (e.g., natural disasters, regulation changes).

This Agreement is governed by the laws of the State of Nevada, and all legal actions shall be brought in the courts located in Clark County, Las Vegas, NV. You submit to personal jurisdiction in that forum and waive objections to venue.

We may update these Terms at our discretion by posting updates online or providing notice. Your continued use of our services and SMS communications constitutes acceptance. These Terms supersede all prior agreements unless explicitly agreed in writing.