Terms and Conditions

Effective Date: December 16, 2025

THIS PARAGRAPH CONTAINS AN IMPORTANT NOTICE. PLEASE READ IT CAREFULLY. SECTION 21 OF THIS DOCUMENT CONTAINS PROVISIONS THAT LIMIT OUR LIABILITY TO YOU, REQUIRE YOU TO WAIVE YOUR RIGHT TO A TRIAL BY JURY OR A CLASS ACTION SUIT. IF YOU ARE A PRODUCER AND ARE ACCEPTING THESE TERMS ON BEHALF OF YOUR CLIENT, YOU REPRESENT AND WARRANT THAT YOU HAVE DISCLOSED THESE TERMS TO YOUR CLIENT AND THAT YOU HAVE RECEIVED EXPRESS AUTHORIZATION FROM YOUR CLIENT TO ACCEPT THESE TERMS ON THEIR BEHALF AND THAT SUCH AUTHORIZATION EXPRESSLY INCLUDES A COMMITMENT FROM YOUR CLIENT TO UTILIZE RISK MANAGEMENT PROGRAM, SERVICES OR PLATFORM AS REQUIRED UNDER THE POLICY IF APPLICABLE.

Introduction

Welcome to the Coterie Website! By accessing or using the Website and any related services, tools, applications, or features (collectively, the “Platform,” “Site,” or “Services”) provided by Coterie Applications, Inc. and its parents, subsidiaries, affiliates, and their respective directors, officers, employees, representatives,(“Coterie”, “Coterie Insurance”, “we”, “us”, and “our”), you agree to be bound by the Terms and Conditions (the “Terms”), including those additional terms, conditions, and policies referenced or incorporated herein.

For purposes of these Terms, “you” and “your” refer to: (i) the individual accessing or using the Services; (ii) any business, organization, or other legal entity on whose behalf such access or use occurs (“Entity”); and (iii) any licensed insurance agents, sub-producers, brokers, and insurance agencies (collectively, “Producers”) who access or use the Services in connection with quoting, marketing, selling, or binding insurance products through Coterie. When we refer to “Users,” we mean all persons or Entities who access or use the Services, including Producers.

“Products” refers to insurance quotes, policies, coverages, endorsements, renewals, and other insurance-related offerings made available through the Services, whether issued directly by Coterie or through our authorized carrier partners.

If you have any questions or concerns regarding these Terms or the Services, please contact us at:

Email: support@coterieinsurance.com

Phone: 855-566-1011

1. Products and Services

Coterie provides a variety of insurance Products and Services through its Site and other means. As a condition of using the Services, you affirm that you are (i) at least 18 years of age, (ii) an emancipated minor, or (iii) at least 13 years of age and have valid legal consent from your parent or legal guardian. Under no circumstances may anyone under the age of 13 use the Services.

If you access or use Coterie’s Services on behalf of a company or other legal entity (“Entity”), you affirm that you are authorized to act on that Entity’s behalf and to agree to these Terms for that Entity. All references to “you” and “your” in these Terms apply to both you as an individual and the Entity you represent.

By using or accessing the Services, you represent and warrant that you are not located in a country subject to a U.S. Government embargo, or that has been designated by the U.S. Government as a “terrorist supporting” country, and that you are not listed on any U.S. Government list of prohibited or restricted parties. Coterie may refuse, suspend, limit, or terminate access to the Services or any Product as required under applicable law, sanctions programs, or governmental directives.

Coterie’s Products and Services may not be available in all jurisdictions within the United States, whether or not identified on the Platform. Eligibility for such Products and Services is subject to Coterie’s sole discretion and determination. Certain Products or Services may be subject to specific Terms, Conditions, representations or agreements as identified on the Site or elsewhere by Coterie.

We reserve the right to withdraw or amend any part of the Services, and any service or material we provide via the Services, in our sole discretion without notice. We will not be liable if all or any portion of the Services becomes unavailable at any time or for any period. From time to time, we may restrict access to certain parts of the Services, or to the Services as a whole, including for registered users.

2. Acceptance Of Terms

By using or accessing the Platform, you acknowledge that you have reviewed, understood, and accept these Terms, including those aspects of the Terms related to the availability of our Products and Services, eligibility for such Products and Services, collection of information, use of information, security of information, and/or privacy of information as identified in the Terms and/or in our Privacy Policy, which is incorporated by reference.

3. Changes To Terms

Coterie may, in its sole discretion, revise or update these Terms from time to time. Unless otherwise stated, changes will be effective as of the “Last Updated” date indicated at the end of these Terms and will govern all access to and use of the Services after that date.

We may provide notice of material changes by posting an updated version of these Terms on the Platform and, where required or appropriate, by sending a notice to the email address associated with your account. You further agree that any such communication as described herein satisfies any legal requirement that the communication must be provided in writing.

Your continued access to or use of the Services after the effective date of any changes to these Terms constitutes your acceptance of the updated Terms. You are responsible for reviewing this page periodically to remain informed of any updates, as they are binding upon you.

4. Account Information

You are required to register with Coterie in order to access the Services. You agree to provide accurate, current, and complete information when creating and maintaining your account, and to promptly update such information as necessary. It is your responsibility to maintain the security and privacy of your account information, including username, password, email identification, and any other credentials. You are responsible for any and all activity that occurs on your account. You may not use an email address or other identifier that misrepresents or impersonates a person other than yourself.

If you believe your account has been accessed without authorization or that there has been a breach of security, you agree to promptly notify Coterie through the contact information listed at the beginning of these Terms. For your protection, if we believe that any unauthorized access may occur or has occurred, we may suspend, limit, or terminate such access to your account or to the Services without prior notice if we reasonably determine that immediate action is necessary to protect our systems, your account, or other users.

You also agree that, with your consent, which shall not be unreasonably withheld or delayed, or, in certain circumstances, without such consent where necessary to protect our systems or your account, we are permitted to act upon any instructions received using your username and password and to consider such instructions as authorized by you.

We may, at any time and in our sole discretion, disable or terminate any username, password, or other identifier for any reason or no reason, including if we reasonably believe you have violated these Terms, created a security risk or engaged in fraudulent or abusive activity.

5. Insurance Policy Information

I. Insurance Policy Bind and Subsequent Renewals

The Platform may enable you to request quotes, purchase, bind, or renew insurance Products through Coterie and our carrier partners. All Products are subject to underwriting, eligibility verification, and formal policy issuance. Availability of Products and coverage Terms may vary by state or jurisdiction, and additional minimum coverage limits or requirements may apply as determined by applicable law or underwriting guidelines.

Insurance policies are underwritten and issued by our insurance carrier partners. Coverage under any insurance policy is subject to the specific terms, conditions, and exclusions of the applicable policy, notwithstanding any coverage summary provided by the carrier, your insurance agent/broker, or Coterie.

II. Content

The content made available through the Services, including text, graphics, data, tools, reports, trademarks, and other materials (collectively, the “Content”), is owned by Coterie or its respective licensors. Your use of the Content is subject to these Terms and any other applicable terms or permissions provided by Coterie.

Any insurance purchasing conclusions and decisions, including decisions regarding coverage types, amounts, limits and deductibles, are completely and solely the responsibility of the insured. The Services and Content, including coverage descriptions or policy summaries, should not be construed as rendering tax, legal, investment, or accounting, or insurance advice. The posting of any prospectus or any other information is not a recommendation or opinion for you to buy or sell any Product or participate in any transaction involving Coterie or any other party.

III. Quotes

All quotes, rate indications, or premium estimates generated through the Services are based upon the information provided and are not a legally binding contract or agreement to extend insurance coverage. Any coverage descriptions provided on the Services are general descriptions of available coverages and are not a statement of insurance contract.

To obtain coverage, you must submit a request for insurance to Coterie in the manner we permit. All such requests are subject to underwriting approval. Coverages, terms, premiums, and availability may vary by state and additional minimum coverage limits may be required in your state.

IV. Electronic Records

By purchasing or renewing any insurance Product or Service from us through the Services, you agree to accept all records, documents, and disclosures, including the insurance policy, provided to you in electronic form. This consent, unless withdrawn, applies to all transactions between you and Coterie. However, you have the right to withdraw this consent and receive communications from Coterie, including the insurance policy, in paper form. If you withdraw the consent to provide you with records in electronic form, you will then be provided with records in paper form. To withdraw your consent, you must email us at paperdocs@coterieinsurance.com with the following subject line “WITHDRAW ELECTRONIC CONSENT.” The body of the email must include your name, policy number, effective and expiration dates of the policy, the effective date of your withdrawal and whether you want (a) all communications to be in paper form or (b) your insurance policy to be sent to you in paper form, or both.

V. Insurance Claims

At the time of a claim, coverage will be determined in accordance with the terms and conditions of the insurance policy rather than the Terms herein. You may elect to report an insurance claim via the Services, where available. Any such reporting is subject to the applicable insurance policy. If you have any questions regarding the coverage afforded under your policy, please refer to the Coterie Support page available on our Website.

VI. Payment Method & Applicable Fees

This section of the Terms outlines the assessment and collection of premium, fees, and other related charges. We may make certain insurance Products and Services available for purchase for a fee (“Fees”). If you purchase Products via the Services, applicable Fees and other charges will be disclosed to you before you complete the purchase, which may include taxes, Fees and other charges that are displayed via the Services at the time of payment, and accessible in your account settings via the Services. If you purchase a Product via the Services, your account with Coterie may include information you provided to us during the insurance application or claims process. You hereby represent and warrant that you will ensure that this information is and will remain accurate, complete, and up to date. You further acknowledge that you have read, understand, and agree to these Terms. By purchasing the selected policy, you affirm that you have thoroughly reviewed all policy attributes and agree to all associated premiums, Fees, taxes, and surcharges. If you do not agree to these Terms, you must cease utilizing the Product by notifying Coterie in writing to request a policy cancellation.

All Fees and other amounts payable by you under these Terms are exclusive of taxes and similar assessments. You shall be responsible for all sales, use, excise, and other similar taxes, duties, and governmental charges of any kind assessed by any federal, state, or local authority in connection with amounts payable under these Terms, excluding taxes imposed on Coterie’s income.You hereby authorize Coterie to use your chosen form of payment, accepted by the company and hereafter referred to as the (“Payment Method”) for completion of any payment of premium, Fees or other charges associated with the Products, and to provide your Payment Method to a third-party for completion of any such payments as may be needed. You agree that Coterie and its third-party payment processor may use your Payment Method both for any current Products, as well as for any subsequently added Products or the renewal term of any Products. All currency references are in U.S. dollars. If payment is not made when due, Coterie reserves the right to suspend, limit, or terminate your access to the applicable Product and any related Services until all overdue amounts are paid in full. If you fail to pay Coterie any part of your owed premium, Fees, or other charges, you may be required to pay a higher monthly amount for the remainder of the policy term or your policy may be cancelled for non-payment in accordance with applicable regulatory requirements and your policy terms. You also agree that your purchase of any Product will be made with readily available funds. Purchasing any Product using “premium financing” or similarly secured lending is strictly prohibited. You can update your Payment Method by contacting Coterie or using the tools provided. Following any update to your Payment Method, you authorize Coterie to continue to charge any newly added or modified Payment Method with receipt to follow within a reasonable time.

Unless otherwise stated in the applicable policy, Products are available for a 12-month term and may renew automatically at the end of each term unless terminated in accordance with these Terms. Where automatic renewal is available for a Product, you may review or configure your preferences for renewal by contacting Coterie using the contact information at the beginning of these terms or using the tools provided via the Services. For your policy, renewal, or endorsement to remain active, you must pay the premiums, surcharges, Fees and taxes as agreed to at the time of binding, renewal, or endorsement. Upon renewal of any Product, additional Fees or costs may apply and may be automatically charged to your designated payment method. If you do not want a Product to automatically renew and incur additional Fees and charges, you must notify Coterie or configure your preferences for renewal in your account settings via the Services.

Agency Bill: Agency bill is a payment arrangement where the Producer collects premiums from the policyholder on behalf of the insurer and then remits the payment to the insurer. If the Producer utilizes agency bill, you are responsible for paying the Producer directly for all policy premium and applicable Fees. In the event of non-payment, the Producer will inform Coterie and the policy may be cancelled accordingly. Any premium changes due to policy endorsements should be coordinated with the Producer. All questions related to Agency Bill should be directed to the Producer.

Fees are state and line of business specific: Not all Fees are applicable in all states, and not all Fees apply to all types of policies. Fees are non-refundable and subject to product filings in each state.

Late Fee: A late fee may be assessed if payment for the Product is not received by the specified due date. The late fee amount will be up to $10. The late fee will be charged ten days after the failed payment if the outstanding payment has not been received.
Fee for Insufficient Funds: If a payment for the Product is returned due to insufficient funds, a non-sufficient funds (NSF) fee of up to $35 may be applied. This fee will be assessed for each instance of a returned payment. If the payment is not made within 10 days, the NSF fee will be charged in addition to any applicable late payment fees. In the event that the fee payment fails, we reserve the right to reattempt collection at least once.
Policy Fee: All new policies and policy renewals are subject to a one-time policy fee. The policy fee may differ depending on your state, line of business, and other applicable factors. The policy fee is disclosed prior to bind and in the conditional renewal notice provided prior to policy renewal.
Installment Fee: If payment is successfully made for the Product, we will assess a $7 installment fee. This fee applies to both new and renewal policies and will also be charged when a mid-term, premium-bearing endorsement is issued.
Additional Fees: Charges may apply for other Products and Services. These Fees will be disclosed before policy bind or renewal.
Payment Obligations: You are responsible for ensuring that all payments for the Product are made in a timely and accurate manner. It is your responsibility to maintain sufficient funds via your Payment Method to cover any payments you initiate or any recurring payments. You agree to promptly notify Coterie of any changes to your payment by visiting My Billing Center.
Waiver and Refunds: Coterie reserves the right to waive or reduce Fees at its discretion. Refunds of Fees will be considered on a case-by-case basis.
Disputes and Resolution: If you believe that a Fee has been assessed in error, you must notify the Company in writing within 30 days of receiving notice of the Fee. Your notice should include sufficient details and documentation to identify the charge and explain the basis of your dispute. Coterie will review the dispute and respond within a reasonable time. Failure to notify Coterie of a dispute within the specified time frame may result in the waiver of your right to dispute the Fee, and the Fee will be deemed valid and accepted.
Changes to Fees: Coterie reserves the right to modify the amount, frequency, or structure of any Fees as well as any other provisions of these Terms related to Fees. Your continued use of the Product following such changes constitutes your acceptance of the modified Terms.
Governing Law: These Terms and any disputes arising out of or in connection with the Fees shall be governed by and construed in accordance with the laws of Delaware¹ and applicable federal laws. Any legal action or proceeding related to these Terms or the Fees shall be brought exclusively in the courts located in Delaware.

6. Coterie’s Manage My Risk Program

The Coterie Manage My Risk Program (“Program”) is designed to provide guidance and recommendations for minimizing the risk of loss, accidents, and damage to property. The Program is advisory only. Coterie is not responsible for managing or overseeing customer loss control or risk management activities, implementing recommended corrective actions, or identifying all potential hazards or exposures. We do not warrant that this information is consistent with Coterie or our carriers’ underwriting guidelines, or with any federal, state or local law, regulation or ordinance. Please refer to the appropriate government authority for interpretation or clarification. We maintain no affiliations with third-party consultants or firms that may be recommended from this advisory service, and do not endorse any of their services.

By participating in or following the Program, you acknowledge and agree to the following:

Program Overview: The Program is provided for informational and educational purposes only. It is not intended as a substitute for professional advice or services. The recommendations and suggestions are offered in good faith, but we make no representations or warranties regarding their accuracy, completeness, applicability to your specific circumstances or that if followed it will result in no losses to you or others.
No Guarantees: Coterie makes no guarantees, either express or implied, that participating in the Program will eliminate or prevent all or any losses, accidents, or property damage. The effectiveness of the recommendations may vary depending on your specific situation.
Independent Evaluation: It is essential to consult with a qualified professional, such as an insurance advisor, safety consultant, or attorney, to assess your specific needs and tailor loss control measures accordingly. The Program does not replace the need for professional advice.
Assumption of Risk: Your participation in the Program is voluntary, and you assume all risks associated with implementing its recommendations. Coterie shall not be liable for any loss, injury, or damage resulting from your reliance on the Program.
Accuracy of Information: While we strive to provide accurate and up-to-date information, we do not guarantee the accuracy or relevance of the content. It is your responsibility to verify the information and consult with professionals as necessary.
Change in Laws and Regulations: Laws, regulations, and best practices related to loss control or risk management may change over time. It is your responsibility to stay informed about such changes and adjust your loss control measures accordingly.
No Endorsement: Reference to specific products, services, organizations, or websites within the Program does not constitute an endorsement or recommendation by Coterie.
Training: Any training content linked or referred to has been compiled from various sources, including third-party materials, and has been curated for the purpose of enhancing your knowledge and skills. Coterie does not claim ownership of the individual components used to create this content, and we do not take responsibility for the accuracy, completeness, or suitability of the information contained herein
Partnerships: Coterie may partner with third party vendors to support the Program. If you opt-in to the Program, your email may be shared with a third-party vendor in order for the vendor to communicate with you regarding your enrollment in the program. To opt-out of email communications, please email managemyrisk@coterieinsurance.com with your name and policy number. Except for the products and services expressly included as part of the Program, third party vendors are not obligated to offer or continue to offer any additional products or services to enrollees.
Program Fee: The Fee paid for the Program along with your insurance purchase are fully earned upon payment. If you choose to cancel your policy mid-term, you will not be refunded any Fees.
Program Opt-In: Unless you do not participate in the Program, your purchase of an insurance policy through Coterie includes a separate Program Fee. Participation in the Program or a similar qualified risk management program reduces the premium you pay for insurance through Coterie. If you opt not to participate in the Program or a similar risk management program that qualifies for a discount from the applicable carrier, you will pay a higher premium for the insurance through Coterie. You can obtain further information by contacting your insurance agent/broker or emailing managemyrisk@coterieinsurance.com.
External Program: If you have enrolled in a loss control program outside of the Program prior to policy bind, please email managemyrisk@coterieinsurance.com to receive instructions for submitting proof of your third-party program.

By participating in or following the Program, you acknowledge that you have read, understood, and agreed to the terms and conditions outlined in this Section. If you do not agree with these terms, please do not use the Program or its recommendations.

7. Mobile Device Access

To the extent you access the Services through a Mobile Device, your wireless service carrier’s standard charges, data rates and other Fees may apply. In addition, downloading, installing, or using certain mobile services or applications may be prohibited or restricted by your carrier, and not all mobile services or applications may work with all carriers or devices. Coterie may use certain functionality facilitated by your mobile device to improve your experience with our Services. You may disable any aspect of your mobile device, including GPS functionality, push notifications, and other data features and settings, at any time. Disabling certain functions may impair Coterie’s ability to provide certain aspects of the Services, and Coterie is not responsible for any limitation imposed on the Services by your mobile device and/or its settings.

8. Consent to Receive Text Messages

By providing your email, phone number, or other contact information to the Services for the purpose of receiving certain communications from or related to the Services, you consent to receiving such communications from Coterie, which may include automated emails, electronic messages, or other electronic communications, may include automated voice calls, and may include other similar communications. Consent is not a condition of any purchase. Message and data rates may apply. Message frequency varies. You can unsubscribe from any such communications at any time by updating your account settings and/or following the instructions provided with such communication (e.g., by clicking an “Unsubscribe” link in an email, or by replying STOP to a text message). To unsubscribe to text messages regarding your claims payment, reply STOP to 63539. You can also contact claims@coterieinsurance.com for any questions regarding your claim. For additional information, view our Privacy Policy.

9. Authorized Producer & Agency Terms (Not Applicable to Consumers)

The Terms in this section apply solely to licensed insurance agents, sub-producers, brokers, and insurance agencies (“Producers”) who are authorized to market, quote, sell, or bind insurance Products offered through Coterie. These provisions do not apply to consumers, policyholders, or any other users of the Services acting in a non-producer capacity.

By accessing or using the Services for the purpose of offering or distributing Coterie Products, you acknowledge that you are doing so as a licensed Producer and agree to comply with the obligations and requirements set forth in this section, in addition to the general Terms.

If any part of this section conflicts with the general Terms, this section takes precedence for Producers.

I. Producer Licensing, NPN Verification, and Consumer Reporting Authorization

Producers must hold and maintain all required licenses and be in good standing in every state where they market, solicit, or sell Coterie products. You are responsible for keeping your licenses and approvals current and for complying with all federal, state, and local laws, regulations, and Department of Insurance requirements governing your insurance activities.

By agreeing to these Terms, you acknowledge, authorize and consent to the collection, use, and verification of your National Producer Number (NPN) to gather related licensing data. Coterie may use your NPN to obtain licensing, appointment, and regulatory information from the Producer Database (PDB) via the National Insurance Producer Registry (NIPR) and other state or federal regulatory sources. This information may include, without limitation, license, status, lines of authority, appointment, regulatory, disciplinary, or enforcement actions.

This information will be securely stored and tracked by Coterie for the purposes of: (i) verifying your eligibility to transact business in each state and line of authority; (ii) monitoring ongoing compliance with state insurance laws and Department of Insurance regulations; (iii) maintaining accurate and up to date licensing and appointment records; and (iv) ensuring the continued validity of your relationship with Coterie and its partners. When necessary, Coterie may request reports from third-party vendors to confirm your producer licensing status and obtain information regarding insurance regulatory compliance, financial or credit background, and criminal history. These reports may include “consumer reports” from a “consumer reporting agency” (CRA), as such terms are defined under the Fair Credit Reporting Act (FCRA). Coterie will obtain written authorization from the Producer prior to requesting any consumer reports from a vendor.

By providing your NPN during the Coterie Producer Activation process or by signing the Producer Agreement or Agency Agreement to solidify your relationship with Coterie, you affirm your understanding and acceptance of the utilization of your NPN and acknowledge that Coterie may request written authorization to order a consumer report.

You agree to promptly notify Coterie of any changes to your licensing status, lines of authority, or any regulatory standing and to cooperate in providing any additional documentation or authorization reasonably requested by Coterie to maintain compliance. You represent that all licensing information provided is true, accurate and complete to the best of your knowledge

At any time, you may reach out to Coterie at producers@coterieinsurance.com with questions, to request for Coterie to no longer track your NPN, or to refuse authorization to request the consumer reports.

A Summary of Your Rights Under the Fair Credit Reporting Act (FCRA) can be found by visiting: https://www.consumer.ftc.gov/sites/default/files/articles/pdf/pdf-0096-fair-credit-reporting-act.pdf. For more information on the FCRA and additional rights, please visit www.consumerfinance.gov/learnmore.

II. Coterie Insurance Incentive Program

Overview: From time to time, Coterie may offer various incentive programs (collectively, the “Incentive Program”) for participants binding new business with eligible Products (each, a “Participant”) during unique activations during applicable periods (“Program Periods”). The Incentive Program sponsored by Coterie offers certain “Rewards” based on criteria detailed in the Incentive Program Flier or Contract. The Reward will be awarded after the conclusion of the applicable Program Period based on meeting the criteria set forth in the Flier or Contract, calculated from the start of the Program Period to the end of the Program Period. Eligible Products are detailed in the Incentive Program Flier or Contract. Receiving the Reward is contingent upon fulfilling all requirements set forth in the Incentive Program Flier or Contract. Rewards are paid out to the applicable Channel Partner or Agency based on setup with Coterie during the onboarding process. THE INCENTIVE PROGRAM, AND COTERIE’S OBLIGATIONS THEREUNDER, SHALL BE VOID IN ANY JURISDICTION WHERE PROHIBITED BY LAW.

Requirements: The Incentive Program is only open to Producers who meet the following requirements: activated and able to sell Coterie Products, licensed in the State(s) in which they conduct business, and are in good standing in such State(s). Participants may need to acquire approval from a Coterie Channel Partner to participate in such Incentive Programs. The Incentive Program Flier or Contract may include additional requirements to be eligible for participation and Reward. Producers must comply with all applicable state and federal insurance laws, licensing requirements, and Coterie policies.

It is each Participant’s or their authorized representative’s responsibility to review, understand, and comply with the Program requirements, and any gifting or ethics policies from the Participant’s Agency or Channel Partner regarding the Participant’s eligibility to participate in the promotion.

Incentive Program Changes: In the event that Coterie is prevented from awarding Rewards or continuing with the Incentive Program by any event beyond its control, Coterie shall have the right to modify, suspend, or terminate the Incentive Program. Coterie may disqualify, in its sole discretion, any Participant who Coterie believes is tampering with the Program, acting in violation of these Terms & Conditions, or acting unethically.

Incentive Reward Issuance: In the event of a dispute of the Reward, Coterie will make the final determination. Participants can reach out to their Coterie Account Representative to discuss the results and dispute accordingly. Rewards not claimed prior to expiration as set forth in the applicable rules will be forfeited. No cash alternative or substitutions will be allowed. If a Reward notification is returned as undeliverable, the Participant may be disqualified. Certain Incentive Programs may include an opt-out for Participants, which would limit future participation in Incentive Programs. Participants are responsible for any federal, state, local taxes and reporting consequences thereof, and for any other Fees or costs associated with claiming the applicable Reward.

Disclaimers: The Incentive Program is in addition to all existing Coterie offerings, all of which shall continue to apply in accordance with their respective Terms and Conditions. Participation in the Incentive Program constitutes Participant’s full and unconditional agreement to Coterie Terms & Conditions. Coterie may utilize a third-party vendor in support of the Incentive Program.

This Incentive Program and Coterie obligations shall be void in any jurisdiction where prohibited by law. Where an authorized representative has been utilized to review the Incentive Program requirements, Coterie disclaims any and all liability and responsibility for disputes arising between an authorized representative and Participant they represented.

Coterie disclaims all warranties, express or implied, regarding the Rewards or Websites in connection with the Incentive Program. The Rewards are provided “AS IS” without any warranty, including but not limited to implied warranties of merchantability, fitness for a particular purpose and/or non-infringement.

Non-Disclosure Requirement: The contents of Incentive Programs, as detailed in the Flier or Contract, are confidential and intended solely for designated recipients. Any sharing, distribution, or disclosure of this information to individuals or entities outside of your Agency is strictly prohibited without prior written authorization from your Coterie Account Representative.

Third-party platform BeeLiked: Certain interactive experiences, games, or promotional campaigns offered by Coterie may be powered by BeeLiked, a third-party platform that specializes in gamification and engagement. While Coterie is responsible for the design, administration, and outcomes of the Incentive Program or Campaigns (as defined below), the underlying technology is provided by BeeLiked.

Coterie does not own or control the BeeLiked platform and makes no warranties regarding the availability, performance, or functionality of the BeeLiked platform. Participants are responsible for using secure and compatible devices when accessing BeeLiked-powered experiences. All participation is subject to applicable laws, campaign-specific rules, and Coterie’s internal policies.

By engaging with a BeeLiked-powered campaign, you acknowledge that your participation does not guarantee a specific result or reward and that any outcome is determined in accordance with the campaign rules. Use of the BeeLiked platform is further subject to BeeLiked’s own terms of service and privacy policy where applicable.

Participation in Incentive Programs, experiences, games, or promotional campaigns (“Campaigns”) is not guaranteed and may be limited to certain producers, partners, or agencies. Availability may vary by region. Campaigns do not guarantee any rewards, compensation, or payouts. We reserve the right to modify, suspend, or terminate any Campaign at any time without prior notice.

Campaign winnings may be awarded in the form of gift cards. Such winnings may be considered taxable income under applicable federal and state tax laws. Participants are responsible for consulting with their tax advisor to ensure proper reporting and compliance with all tax obligations.

III. Advertising

The Services may contain advertisements. In consideration for Coterie allowing access to and use of the Services, you agree that Coterie and its third-party partners may place advertising on the Services, including in connection with content generated by Users or Producers.

Producers may not use Coterie’s name, trademarks, or logos in advertising, marketing materials, or public communications without Coterie’s prior written consent, except as expressly permitted by Coterie brand guidelines or separate written agreements.

IV. Producer User Content

In addition to the General User Content requirements in these Terms, Producers who submit, upload, transmit, or provide any content, data, materials, or communications through the Services (“Producer Content”) must comply with the obligations in this section. Producer Content includes, without limitation, information submitted in connection with quoting, underwriting, binding, servicing, endorsing, or renewing insurance Products, as well as communications with applicants, policyholders, or other Users made through or in connection with the Services.

Producers must not:

Submit, upload, or transmit any information that is false, misleading, incomplete, or inaccurate, including in connection with applications, quotes, underwriting submissions, endorsements, renewals, or claims.
Provide or imply insurance advice, recommendations, or coverage interpretations unless properly licensed and authorized to do so under applicable law.
Make statements, promises, or representations that conflict with approved policy forms, underwriting guidelines, or instructions provided by Coterie.
Misclassify, alter, or manipulate any information used for rating or underwriting, including business descriptions, payroll, revenue, or other exposure data.
Upload or distribute altered, inaccurate, unauthorized, or unapproved documents, certificates, proofs of insurance, or similar materials.
Misuse or improperly disclose applicant or policyholder information, or fail to comply with applicable privacy, data security, and Department of Insurance requirements.
Imply approval, sponsorship, or affiliation by Coterie where none exists.

Coterie may, in its sole discretion, require correction of, remove, or reject any Producer Content; suspend or terminate a Producer’s access to the Services; report suspected regulatory or legal violations; and use Producer Content as permitted under these Terms and Coterie’s Privacy Policy.

V. Relationship

These Terms do not create a partnership, joint venture, or agency relationship between Coterie and any Producer. Except as expressly set forth in a separate, written agreement with Coterie, Producers act as independent contractors and do not have authority to enter into written or oral (whether implied or express) contracts on behalf of Coterie. Even where a Producer links to Coterie’s Services and/or promotes Coterie’s Services on its Platform(s), such activities shall not confer any authority to bind or otherwise solicit contracts on behalf of Coterie nor shall any Producer be entitled to any compensation or remuneration for engaging in such activities.

Coterie is not responsible or liable for any representations, omissions, advice, statements, or conduct by any Producer toward any applicant, policyholder, or third party, whether or not such Producer accesses the Services to obtain or service a Product.

10. General User Content

You understand that content (including any text, graphic, audio, video, transcripts, log files, or other content) made available or transmitted via the Services by a User or generated in connection with your use of or access to the Services (“User Content”), whether privately transmitted or made publicly available, is the sole responsibility of the User who generated such User Content. You, not Coterie, are responsible for all User Content that you transmit via, make available on, or generate in connection with your use of or access to the Services. In no event will we be liable in any way for User Content.

User Content generated by other users is provided to you as is. You may access and use such User Content solely as intended through the provided functionality of the Services and as permitted under the Terms. Unless otherwise permitted under these Terms, you may not use, copy, distribute, display, sell, or otherwise exploit another User Content without prior written consent from Coterie and the content owner or licensor.

By submitting User Content through the Services, and where permitted by law and our Privacy Policy, you give Coterie a perpetual, royalty-free, worldwide license to use, copy, display, modify, and distribute that Content in connection with Coterie’s Products and Services.

The following content standards (“Content Standards”) apply to all User Content and use of the Services. User Content must in its entirety comply with all applicable federal, state, local, and international laws and regulations. Without limiting the foregoing, User Content must not:

Contain any material that is defamatory, obscene, indecent, abusive, offensive, harassing, violent, hateful, inflammatory, or otherwise objectionable.
Promote sexually explicit or pornographic material, violence, or discrimination based on race, sex, religion, nationality, disability, sexual orientation, or age.
Infringe any patent, trademark, trade secret, copyright, or other intellectual property or other rights of any other person.
Violate the legal rights (including the rights of publicity and privacy) of others or contain any material that could give rise to any civil or criminal liability under applicable laws or regulations or that otherwise may be in conflict with these Terms of Service and our Privacy Policy.
Be likely to deceive any person.
Promote any illegal activity, or advocate, promote, or assist any unlawful act.
Cause annoyance, inconvenience, or needless anxiety or be likely to upset, embarrass, alarm or annoy any other person.
Impersonate any person or misrepresent your identity or affiliation with any person or organization.
Involve commercial activities or sales, such as contests, sweepstakes, and other sales promotions, bartering or advertising.
Suggest or imply approval, sponsorship, or affiliation by Coterie or any other person or Entity when that is not the case.

We have the right to:

Remove or refuse to post any User Content for any or not reason in our sole discretion.
Take any action with respect to any User Content that we deem necessary or appropriate in our sole discretion, including if we believe that such User Content violates the Terms of Service, including the Content Standards, infringes any intellectual property right or other right of any person or Entity, threatens the personal safety of users of the Services or the public, or could create liability for Coterie.
Disclose your identity or other information about you to any third party who claims that material posted by you violates their rights, including their intellectual property rights or their right to privacy.
Take appropriate legal action, including without limitation, referral to law enforcement, for any illegal or unauthorized use of the Services.

Without limiting the foregoing, we have the right to cooperate fully with any law enforcement authorities or court order requesting or directing us to disclose the identity or other information of anyone posting any materials on or through the Services. YOU WAIVE AND HOLD HARMLESS COTERIE AND ITS AFFILIATES, LICENSEES, AND SERVICE PROVIDERS FROM ANY CLAIMS RESULTING FROM ANY ACTION TAKEN BY ANY OF THE FOREGOING PARTIES DURING, OR TAKEN AS A CONSEQUENCE OF, INVESTIGATIONS BY EITHER SUCH PARTIES OR LAW ENFORCEMENT AUTHORITIES.

However, we cannot review all material before it is posted on the Services and cannot ensure prompt removal of objectionable material after it has been posted. Accordingly, we assume no liability for any action or inaction regarding transmissions, communications, or content provided by any user or third party. We have no liability or responsibility to anyone for performance or nonperformance of the activities described in this section.

11. Termination

Coterie may, in its sole discretion, terminate, limit, suspend, or restrict your access to all or any part of the Services at any time, for any reason, and without prior notice, for any reason or no reason, including for any actual or suspected violation of these Terms, misuse of the Services, non-payment of Fees, fraud or misrepresentation, or as required by applicable law or regulatory authority. Upon Termination, all rights granted to you under these Terms will immediately cease, and you must discontinue all access to and use of the Services. Termination of your access to the Services does not, by itself, cancel or alter any insurance policy, which remains subject to its own terms, conditions, and applicable law.

Coterie also reserves the right to demand the removal of any marks or other intellectual property, including drop-in code or other approved link, from your website or other platform(s). In addition to suspension and/or termination of your use of the Services, nothing in these Terms shall preclude or prohibit Coterie from pursuing any other remedy available at law or equity in connection with your use of the Services.

12. Restrictions

In accessing and using the Services, you agree to abide by the following rules, restrictions and limitations. You are solely responsible for your conduct and for your communications and interactions with other Users and with Coterie. Coterie is not responsible for any dispute that may arise between Users while using the Services.

You shall not access or use the Services for any unlawful purpose, or for any use or purpose not intended by Coterie;
You will not use the Services in any way that could interfere with, disrupt, negatively affect, or inhibit other Users from using the Services, or that could damage, disable, overburden or impair the functioning of the Services;
You will not use the Services in violation of any law, including traffic laws;
You will not abuse, harass, impersonate, intimidate or threaten any User or any Coterie employee, Producer or vendor;
You will not use the Services to contact, advertise to, solicit, or sell any product or service to any User without express consent from Coterie and any such User;
You will not post or transmit any content of any kind using the Services that links to marketing schemes or solicitation of other Products or Services without Coterie’s express consent;
You will not use any data mining software, robots, spiders or similar data gathering and extraction tools to access, acquire, copy, monitor, retrieve, index, “scrape,” “data mine,” or in any way gather content or data from the Services or otherwise circumvent the navigational structure or presentation of the Services;
You will not disseminate or transmit viruses, worms, Trojan horses, keyboard loggers, time bombs, spyware, adware, cancelbots, passive collection mechanisms, or any other malicious or invasive code or program or upload or transmit (or attempt to upload or to transmit) any material that acts as a passive or active information collection or transmission mechanism, including, without limitation, clear GIFs, single pixel GIFs, pixel tags, web beacons, action tags, web bugs, cookies, or other similar devices;
You will not attempt to decipher, decompile, disassemble, or reverse-engineer any of the software comprising or in any way making up a part of the Services;
You will not interfere with or circumvent any security feature or any feature that restricts or enforces limitations on the use of, or access to, the Services;
You will not probe, scan, or test the vulnerability of any system or network or breach or circumvent any security or authentication measures of the Services;
You will not remove, change or obscure any copyright, trademark notice, trademark, hyperlink or other proprietary rights notices contained within the Services; and
You will not encourage or promote any activity that violates these Terms.

13. Technical Problems

Coterie is not responsible for any technical issues, interruptions, or unavailability of the Services for any reason. You may report technical problems by emailing us at the contact information provided at the beginning of these Terms. Coterie is not responsible for fixing any technical issues submitted or discovered.

14. Links To Other Sites

The Services may link to, or may be accessed in connection with, third-party websites, services, or content (collectively, “Third-Party Sites”). These links are provided for your convenience only and do not constitute an endorsement by Coterie of any Third-Party Sites or its content, products, or services.

You access such external sites at your own risk. Coterie has no control over, and assumes no responsibility for, the content, privacy practices, or practices of any Third-Party Site, including any representations or warranties such sites make about Coterie or the Services. If you choose to access a Third-Party Site, you do so subject to that site’s own terms and conditions and privacy policies. You agree to hold Coterie harmless from any loss or liability arising from your use of or reliance on Third-Party Sites.

15. Feedback

You can share comments, suggestions, ideas, or other feedback (collectively, “Feedback”) using the contact information provided at the beginning of these Terms or through any method made available by Coterie or its Services. You understand and acknowledge that your feedback is voluntary, and Coterie may use such feedback in any way it sees fit in accordance with applicable laws. You acknowledge that Coterie has no obligation to you regarding any feedback you provide. You assign to Coterie all rights, title, and interest in your feedback, including any ideas, know-how, concepts, techniques, or other intellectual property contained within it. Coterie may use such feedback for any purpose, without attribution or compensation, but is not required to do so. Coterie may use, display, modify, make derivative works, sell, and/or transfer such Feedback at its sole discretion.

16. Intellectual Property

You hereby grant Coterie a non-exclusive, royalty-free, fully paid-up license to use your data solely for the purpose of providing the Services. You represent and warrant that you are the sole owner of your data or otherwise possess all rights, licenses, and permissions necessary to grant Coterie the rights set forth in these Terms without obtaining additional third-party consent.
The Services (including the underlying technology, code, systems and software comprising the Site) are protected by copyright, trademark, patent, and/or other proprietary rights and laws. Subject to your compliance with these Terms, and solely for as long as you are permitted by Coterie to access and use the Services, Coterie grants to you a limited, revocable, non-exclusive, non-transferable, and non-sublicensable right to access and use the Services for private, personal, non-commercial use. Unless expressly granted to you in these Terms, Coterie and its licensors reserve and retain all right, title and interest (including all intellectual property rights) in and to: (i) the Services; and (ii) the technology, code, systems and software used to provide the Services. This includes software that we may provide you to integrate into your website or platform, or other software we make available to download, including updates and new features added to the software. You shall not circumvent or disable any content protection system or digital rights management technology used in the Services or take any other action in contravention of any intellectual property right of Coterie with respect to the Services and any other Products, Services, marks, copyrights, patents and/or trade secrets of Coterie. Notwithstanding anything in these Terms, Coterie at all times and in all forms retains full, exclusive and complete ownership of the Services.
Certain software code incorporated into or distributed with the Services may be licensed by third parties under various “open-source” or “public-source” software licenses, and such software is not licensed under these Terms and is instead separately licensed pursuant to the terms and conditions of their respective open-source software licenses. You agree to comply with all such license agreements.
You further understand and agree that Coterie owns and has the right to collect, extract, compile, synthesize, analyze and use aggregate data and usage data, without a duty of accounting to you or any User, consistent with our Privacy Policy. By using our Services, you acknowledge that we may employ artificial intelligence (“AI”) tools or third-party AI vendors to assist in the servicing and administration of your policy, and you consent to our use of such technologies for these purposes.

17. Copyright Policy

Copyright Policy. Coterie takes claims of copyright infringement seriously and will respond to notices of alleged copyright infringement that comply with applicable law. If you believe any materials accessible on or from the Coterie Site infringe your copyright, you may request removal of those materials (or access to them) by submitting written notice to the Copyright Agent designated below.
Notice to Coterie. In accordance with the Online Copyright Infringement Liability Limitation Act of the Digital Millennium Copyright Act (17 U.S.C. § 512) (“DMCA”), the written notice (the “DMCA Notice”) must include substantially the following: (i) your physical or electronic signature; (ii) identification of the copyrighted work you believe to have been infringed or, if the claim involves multiple works on the Site, a representative list of such works; (iii) identification of the material you believe to be infringing in a sufficiently precise manner to allow us to locate that material; (iv) adequate information by which we can contact you (including your name, postal address, telephone number, and, if available, email address); (v) a statement that you have a good faith belief that use of the copyrighted material is not authorized by the copyright owner, its agent, or the law; a statement that the information in the DMCA Notice is accurate; and (vi) a statement, under penalty of perjury, that you are authorized to act on behalf of the copyright owner. If you fail to comply with all of the requirements of Section 512(c)(3) of the DMCA, your DMCA Notice may not be effective. Please be aware that if you knowingly or materially misrepresent that any material or activity on the Site is infringing your copyright, you may be held liable for damages (including costs and attorneys’ fees) under Section 512(f) of the DMCA.
Copyright Agent. DMCA Notices must be delivered to our designated Copyright Agent:

Coterie Insurance Agency, LLC
Attn: Compliance Team
181 S. RiverHeath Way, Suite 1200
Appleton, WI, 54915
compliance@coterieinsurance.com

18. Disclosure Notice

Coterie reserves the right to access, read, preserve, and disclose any information we reasonably believe is necessary to do any of the following: (i) satisfy any applicable law, regulation, legal process, subpoena or governmental request; (ii) enforce these Terms, including investigation of potential violations of it; (iii) detect, prevent, or otherwise address fraud, security or technical issues; (iv) cooperate with law enforcement authorities; (v) respond to user support requests; or (vi) protect our, Coterie’s users’ or the public’s rights, property or safety.

19. Disclaimers

COTERIE SERVICES ARE PROVIDED TO YOU ON AN “AS-IS” AND “AS AVAILABLE” BASIS AND THE USE THEREOF IS AT YOUR SOLE RISK. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, COTERIE MAKES NO, AND HEREBY DISCLAIMS, ANY REPRESENTATIONS OR WARRANTIES OF ANY KIND, EXPRESS, IMPLIED, STATUTORY OR OTHERWISE, INCLUDING THE WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, SATISFACTORY QUALITY, NONINFRINGEMENT, AND TITLE WITH RESPECT TO THE SERVICES. COTERIE DOES NOT WARRANT THAT THE USE OF YOUR SERVICES IS LAWFUL IN ANY PARTICULAR JURISDICTION, AND COTERIE EXPRESSLY AND SPECIFICALLY DISCLAIMS ANY SUCH WARRANTIES. COTERIE FURTHER DOES NOT WARRANT THAT: (I) THE SERVICES (OR THE RESULTS OBTAINED FROM THE USE THEREOF) WILL BE TIMELY, ERROR-FREE, SECURE OR UNINTERRUPTED; (II) THE SERVICES WILL MEET YOUR REQUIREMENTS; OR (III) ANY ERRORS OR MALFUNCTIONS IN THE SITE WILL BE CORRECTED. COTERIE IS NOT LIABLE IN THE EVENT OF ANY UNAUTHORIZED ACCESS TO OR USE OF THE SITE, ANY INTERRUPTION, SUSPENSION OR CESSATION OF ACCESS TO THE SITE, OR ANY BUGS, VIRUSES, TROJAN HORSES, OR OTHER HARMFUL OR MALICIOUS CODE WHICH MAY BE TRANSMITTED THROUGH THE SITE BY ANY THIRD PARTY. COTERIE MAKES NO REPRESENTATIONS, WARRANTIES OR GUARANTEES, EXPRESS OR IMPLIED, REGARDING THE ACCURACY, RELIABILITY OR COMPLETENESS OF THE CONTENT MADE AVAILABLE ON ITS SITE. COTERIE SHALL NOT BE LIABLE FOR ANY LOSS, DAMAGE, OR INJURY ARISING OUT OF OR RELATING TO YOUR RELIANCE ON ANY INFORMATION OBTAINED THROUGH THE SERVICES OR FROM THIRD-PARTY LINKS, CONTENT, OR RESOURCES ACCESSED THROUGH THE SERVICES. COTERIE TAKES NO RESPONSIBILITY AND ASSUMES NO LIABILITY FOR ANY CONTENT THAT YOU, ANOTHER USER, OR A THIRD PARTY CREATES, UPLOADS, POSTS, SENDS, RECEIVES, OR STORES ON OR THROUGH THE SITE YOU UNDERSTAND AND AGREE THAT YOU MAY BE EXPOSED TO CONTENT THAT MIGHT BE OFFENSIVE, ILLEGAL, MISLEADING, OR OTHERWISE INAPPROPRIATE, NONE OF WHICH COTERIE WILL BE RESPONSIBLE FOR.

ALL THIRD-PARTY MATERIAL AND THIRD-PARTY SERVICES ARE PROVIDED AS-IS WITHOUT WARRANTIES OF ANY KIND. COTERIE MAKES NO WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, RELATING TO ANY PRESENT OR FUTURE METHODOLOGY EMPLOYED IN OUR GATHERING OR REPRODUCING OF ANY THIRD-PARTY MATERIAL OR THIRD-PARTY SERVICES, OR AS TO THE ACCURACY, CURRENCY, OR COMPREHENSIVENESS OF THE SAME.

20. Waiver, Release, And Limitation of Liability

COTERIE IS IN NO EVENT RESPONSIBLE OR LIABLE TO YOU OR TO ANY THIRD PARTY, WHETHER UNDER CONTRACT, WARRANTY, TORT (INCLUDING NEGLIGENCE), STRICT LIABILITY, INDEMNITY OR OTHER THEORY, FOR ANY INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, EXEMPLARY, LIQUIDATED OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFIT, REVENUE OR BUSINESS, COST OF SUBSTITUTE PROCUREMENT, ARISING IN WHOLE OR IN PART FROM YOUR USE OF (OR INABILITY TO USE) THE SERVICES OR ANY PORTION THEREOF, EVEN IF COTERIE HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. NOTWITHSTANDING ANYTHING TO THE CONTRARY IN THESE TERMS, COTERIE’S AGGREGATE LIABILITY TO YOU FOR ANY CAUSE WHATSOEVER AND REGARDLESS OF THE FORM OF THE ACTION, WILL BE LIMITED TO ONE HUNDRED DOLLARS (USD$100.00). TO THE EXTENT ALLOWED BY LAW, YOU WAIVE ANY RIGHT TO PURSUE DISPUTES ON A CLASS WIDE BASIS; THAT IS, TO EITHER JOIN A CLAIM WITH THE CLAIM OF ANY OTHER PERSON OR ENTITY, OR ASSERT A CLAIM IN A REPRESENTATIVE CAPACITY ON BEHALF OF ANYONE ELSE IN ANY LAWSUIT, ARBITRATION, OR OTHER PROCEEDING.
WAIVER OF TRIAL BY JURY. BY ENTERING INTO THIS AGREEMENT, YOU WAIVE, TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, ANY RIGHT YOU MAY HAVE TO A TRIAL BY JURY IN ANY LEGAL ACTION, PROCEEDING, CAUSE OF ACTION, OR COUNTERCLAIM ARISING OUT OF OR RELATING TO THESE TERMS. YOU CERTIFY AND ACKNOWLEDGE THAT BY ACCESSING AND USING THE SITE THAT YOU MAKE THIS WAIVER KNOWINGLY AND VOLUNTARILY. IF YOU DO NOT AGREE TO SUCH WAIVER, YOU SHOULD NOT USE THE SERVICES.
California Residents. If you are now, or at any time during your use of the Site, a California resident, you hereby waive California Civil Code Section 1542, which says: “A general release does not extend to claims which the creditor does not know or suspect to exist in his or her favor at the time of executing the release, which if known by him or her must have materially affected his or her settlement with the debtor.

California Notice

California Policyholders – Consumer Affairs Contact Information
California Department of Insurance
Consumer Hotline: 800-927-4357 (HELP)
300 South Spring Street, 14th Floor
Los Angeles, CA 90013
https://www.insurance.ca.gov/

d. Limitation on Time to File Claims. ANY CAUSE OF ACTION OR CLAIM YOU MAY HAVE ARISING OUT OF OR RELATING TO THESE TERMS OF SERVICE OR THE SERVICES MUST BE COMMENCED WITHIN ONE (1) YEAR AFTER THE CAUSE OF ACTION ACCRUES; OTHERWISE, SUCH CAUSE OF ACTION OR CLAIM IS PERMANENTLY BARRED.

21. Indemnification

To the extent permitted by law, you will indemnify, defend, and hold harmless Coterie Applications, Inc. (“Coterie”), its parents, subsidiaries, affiliates, and their respective directors, officers, employees, representatives, and Producers (each an “Indemnified Party”) from any and all liabilities or losses of any kind arising from or relating to any claim, suit, proceeding, demand, or action brought by you or a third party or other user against an Indemnified Party relating to: (i) your use of the Services, including any payment obligations incurred through receipt or use of any Services; (ii) you or the Producers failure to comply with these Terms or agreement with Coterie; (iii) you or the Producers failure to comply with applicable law, regulation, or Department of Insurance requirement; (iv) you or the Producers negligence, willful misconduct, or fraud; (v) you or the Producers violation of privacy rights or infringement of intellectual property rights or allegations thereof to the extent caused; or (vi) any submissions, transmissions, disclosures of inaccurate, incomplete, or unauthorized information or content, including applications, claims data, or personal information.

22. Governing Law

Our Services are hosted in the United States. If you are using or accessing the Services from outside the United States or any other region with laws or regulations governing personal data collection, use and disclosure that differ from United States laws, please be advised that through your use of the Services, which are governed by United States law, you are transferring information to and from the United States and you consent to that transfer.

The laws of the State of Delaware and applicable United States law govern these Terms and matters arising out of or relating to the Services, without giving effect to such state’s conflicts of law principles or rules of construction concerning the drafter. You hereby irrevocably and unconditionally submit to the jurisdiction of the federal and state courts venued in the State of Delaware for the purpose of any suit, action, or other proceeding arising out of or based upon this Policy, your access to or your use of the Services, which courts are the exclusive forum for any such suit, action, or other proceeding.

23. Assignment

These Terms are not intended to change or affect any separate agreement or contract that you may have with Coterie. However, with respect to the Services, these Terms constitute the entire agreement between us with respect to anything related to the Services and your use of the Services. No failure to act on any right by Coterie shall constitute a further continuing waiver of the same. You have no right to assign any rights under these Terms, but Coterie may transfer and/or assign any rights under these Terms without limitation and without notice or consent from you.

24. Miscellaneous

The invalidity, illegality or unenforceability of any term or provision of these Terms shall in no way affect the validity, legality or enforceability of any other term or provision of these Terms. These Terms will be binding on and will inure to the benefit of the legal representatives, successors and assigns of the parties hereto. If a court or arbitrator decides that any term or provision of these Terms is invalid or unenforceable, the parties agree to replace such term or provision with a term or provision that is valid and enforceable and that comes closest to achieving the purpose of the invalid or unenforceable term or provision, and the parties agree that these Terms shall be enforceable as so modified.

25. Accessibility

Coterie cares about all of our Producers, partners, policyholders and customers and is committed to facilitating and improving the accessibility and usability of our Site ensuring that our Services and content are accessible to persons with disabilities. Efforts to maintain accessibility and usability are ongoing. While we strive to make the Site as accessible as possible, some issues may be encountered by different assistive technology as the range of assistive technology is wide and varied.

If you have any questions or concerns about the accessibility of any web page on the Site, you may contact us at: peopleoperations@coterieinsurance.com

If you encounter an accessibility issue, specify the web page and describe the nature of the issue, and we will make all reasonable efforts to ensure that the page or the information it contains is accessible to you.

Last Updated: December 16, 2025