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Effective: 09/09/2025

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These Terms & Conditions (“Agreement”) govern all investigative services provided by Coastal Investigative Research LLC (“Coastal”), an Idaho business entity, to licensed plaintiff attorneys (“Client”). By submitting a case through the Coastal Research Limits Request Form, the Client acknowledges and agrees to these Terms.

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1. Nature of Services

Coastal provides investigative services exclusively to licensed plaintiff injury attorneys representing accident victims.

Coastal’s investigative work is limited to confirming liability insurance policy limits. Coastal does not provide legal advice, settlement evaluation, case strategy, or compliance consulting.

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2. Purpose of Services

The purpose of Coastal’s services is investigative only. Our mission is to confirm factual coverage information and to detect or uncover:

• nondisclosure of liability policy limits,

• concealment of liability policy limits,

• misrepresentation of liability policy limits, and

• fraudulent insurance information.

Coastal conducts all investigations in good faith, for lawful purposes, and under the direction of an attorney.

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3. Attorney Supervision & Engagement

Coastal performs services only under the written direction of licensed attorneys.

Submission of a case through the Coastal Research Limits Request Form, together with acknowledgment of these Terms, constitutes the attorney’s engagement and written direction. By submitting a case, the attorney certifies that:

• The submission identifies the matter, including relevant parties and case number;

• The submission identifies the jurisdiction(s) in which the matter arises.

• The attorney determines and represents that the requested investigation is necessary, and that attempts have been made, or will be made, by lawful means available before or after filing to obtain liability limits directly through proper channels;

• The investigative need arises from concerns of nondisclosure, concealment, misrepresentation, or potentially fraudulent insurance information relating to coverage limits.

• The scope of engagement is expressly limited to the investigation of liability policy limits; and

• The engagement complies with all applicable professional and ethical obligations.

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4. Jurisdiction of Engagement

All services are conducted by Coastal as the work of an Idaho business. Coastal operates from Idaho only and does not place investigative staff or “boots on the ground” in other states.

Clients nationwide acknowledge they are engaging directly with an Idaho company, and that Idaho law governs all engagements.

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5. Investigative Boundaries

Coastal’s services are limited to:

• confirming liability policy limits in accident-related matters, and

• providing investigative labor solely for informational purposes.

Coastal’s services are not a substitute for statutory disclosure, discovery, or other legal processes. Attorneys remain responsible for pursuing those processes.

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6. Compliance Boundaries – No Restricted Searches

Coastal does not, and will not, conduct searches that involve or attempt to access:

• banking or financial account data,

• consumer credit reports or histories,

• medical or health records,

• insurance claim file contents,

• telecommunications records,

• motor vehicle records restricted by law,

• tax records or government benefit records, or

• any other nonpublic personal information protected by financial, health, or privacy regulations.

Coastal is not a consumer reporting agency and does not assemble, evaluate, or furnish consumer reports, nor provide information to determine creditworthiness, eligibility for credit, insurance, employment, or any purpose governed by the Fair Credit Reporting Act.

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7. Informational Use Only

All information provided by Coastal is strictly for informational and investigative purposes.

• Information is delivered “as is,” without warranties of accuracy, completeness, or reliability;

• Reports generated by Coastal are not admissible in court and may not be relied upon as proof of coverage.

• Attorneys must independently verify all coverage information through appropriate legal channels before reliance or use in litigation.

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8. Confidentiality

All information provided to Coastal in the course of an engagement is treated as confidential and used solely to perform the agreed services. Coastal does not disclose attorney or client information except as necessary to complete the engagement or as required by law.

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9. Limitation of Liability

Coastal shall not be liable for:

• errors, omissions, or misstatements made by third parties,

• delays, refusals, or failures outside Coastal’s control,

• reliance placed on Coastal’s reports without attorney confirmation, or

• any damages, direct or indirect, arising from the use of Coastal’s services.

Attorneys accept full responsibility for evaluating, verifying, and relying upon any information obtained through Coastal’s investigations.

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10. No Guarantee of Outcome

Engagement with Coastal does not guarantee that liability policy limit information will be obtained, that it will be accurate, or that it will uncover nondisclosure, concealment, misrepresentation, or fraud.

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11. Indemnification

The Client agrees to indemnify and hold harmless Coastal, its parent company, GTC Inc., and its affiliate Policy Trace AI, as well as their respective owners, employees, and agents, from any claims, liabilities, damages, or expenses arising from the Client’s use or misuse of information provided.

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12. Corporate Affiliation

Coastal Investigative Research LLC and Policy Trace AI are separate companies under common ownership by GTC Inc. This acknowledgment is made for purposes of transparency. Engagements with Coastal are contracts solely with Coastal Investigative Research LLC.

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13. Recordkeeping & Accountability

Coastal maintains internal records of attorney engagements, including matter name, jurisdiction, necessity certification, and scope of services, for compliance and accountability purposes. Coastal does not create or retain call recordings or transcripts.

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14. Severability

If any provision of this Agreement is found invalid or unenforceable, the remaining provisions shall remain in full force and effect.

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15. Governing Law & Venue

This Agreement shall be governed by and construed under the laws of the State of Idaho. Any dispute arising under this Agreement shall be brought exclusively in the state or federal courts located in Idaho.