Notices and Disclaimers

These Notices and Disclaimers apply to (i) all access to and/or use of Everest Group property, materials, Products and/or Services, and (ii) Everest Group’s use of data and information. By accessing or using any Everest Group property, materials, Products and/or Services (including through our website, Gen AI (defined below) applications and tools, calls, or digital platforms), or by interacting with Everest Group, you acknowledge and agree that you are bound by these Notices and Disclaimers. You may also agree to these Notices and Disclaimers through handwritten or electronic signature on an agreement in which these terms are incorporated, or via sign-in wrap, browse-wrap, click-wrap, or click-box acceptance.

No document provided by you, including any non-negotiated terms and conditions, will alter or amend these Notices and Disclaimers. Only a negotiated, signed written agreement executed by authorized representatives of Everest Group that specifies it intends to alter these Notices and Disclaimers may amend or modify these terms. Except when these Notices and Disclaimers are incorporated by reference into an agreement or to terms, or as expressly stated herein, any terms additional to or different from these Notices and Disclaimers are hereby expressly rejected and not accepted by Everest Group.

If the Notices and Disclaimers are being incorporated by reference into an agreement for the purchase of Everest Group Products and/or Services, such as Everest Group’s Terms of Sale, then “You”, “you”, “Your”, or “your” means Customer as defined in the Terms of Sale, available at www.everestgrp.com/terms-of-sale. Otherwise, “You”, “you”, “Your”, or “your” means the individual accessing or using Everest Group property, materials, Products and/or Services or interacting with Everest Group, on behalf of themselves and their employer if acting within the scope of their employment.

“Products and/or Services” is as defined in the Everest Group Terms of Sale.

Accordingly, you agree to and authorize the following.

1. Everest Group utilizes generative artificial intelligence applications and tools (“Gen AI”) internally (“Internal Gen AI”) and provides Gen AI to its clients to increase the value of or provide insights into Everest Group materials, Products and/or Services (“External Gen AI”). Gen AI includes AI-assisted dashboards, chatbots, and integrations. Everest Group’s External Gen AI is built upon an enterprise license with a reputable generative artificial intelligence provider and is not training that provider’s generative artificial intelligence application.
2. Everest Group may connect third party applications and platforms (“3P Apps”) to its Internal Gen AI, including, without limitation, its Customer Relationship Management (CRM) application, business intelligence and data visualization applications, its collaboration and document management platform, and its collaboration and communication platform. Everest Group disclaims all responsibility and liability for the data handling practices, performance, security, and privacy practices of any 3P Apps.
3. Everest Group maintains several distinct, custom, and separate Internal Gen AIs and 3P Apps. With respect thereto, Everest Group will maintain the confidentiality of your company’s data and information in compliance with agreements between our entities and will not disclose your confidential information in compliance with the same. Everest Group may record calls, and related transcripts may be inputted into Everest Group Internal Gen AI and 3P Apps. Interactions with our organization, including the information or data you provide, may also be inputted into Everest Group Internal Gen AI and 3P Apps.
4. Everest Group uses its Internal Gen AI and 3P Apps to, among other things, better understand markets, your business and potential needs, access and analyze Everest Group databases, and assist in the creation and development of Everest Group’s materials, Products and/or Services. Everest Group Internal Gen AI may also be used by Everest Group to identify business contacts best suited for marketing efforts or sales opportunities and to provide information on previous interactions between us.
5. By providing information or data to Everest Group (including personally identifiable information), or interacting with any Gen AI (including External Gen AI), you represent and warrant you are permitted to take such action and are not violating any law, rule or regulation, breaching any contract or terms, or infringing upon or misappropriating any intellectual property or intellectual property rights. Further, you acknowledge that Gen AI may produce inaccurate or incomplete results and should not be solely relied upon. You agree to validate all important information.
6. You consent and opt-in to Everest Group training its Internal Gen AI on information and data you provide, including personally identifiable information. We handle such information in accordance with our privacy notice, available at everestgrp.com/privacy-notice, and as described herein. You agree to such, as updated from time to time. To opt-out, please email [email protected]. To the extent legally permissible, you agree not to contest, dispute, or challenge Everest Group’s use of your information and data as described herein. You further agree to cooperate with Everest Group, should a data or cybersecurity incident occur.
7. Inputs into Gen AI and 3P Apps of your intellectual property, information or data remain your property; however, as between you and Everest Group, you agree Everest Group owns all outputs of the Gen AI and 3P Apps (“Outputs”). Accordingly, you agree to and do hereby irrevocably transfer and assign all rights, titles, and interests in and to such Outputs, and will acknowledge, execute, perfect, deliver, do, or cause to be done any and all things requested by Everest Group to ensure Everest Group receives and/or realizes the benefit it has bargained for hereunder or otherwise fulfill the intent hereunder, including, without limitation, completing or executing any documentation, affidavit, assignment, declaration, or oath. You may use Outputs from External Gen AI in accordance with the license negotiated with Everest Group, and, in the absence thereof, your license is limited to access and review. All rights reserved by Everest Group. If you do not wish to interact with External Gen AI, it is your responsibility to ensure your personnel adhere to such requirements and Everest Group has no responsibility to monitor your directives to your personnel.
8. You agree to disclose if your data and/or information is subject to any local, state, federal, or international law, regulation, policy, and/or guidance document that governs and/or restricts their use.
9. Gen AI cannot act or make an agreement on behalf of Everest Group, its affiliates, or subsidiaries.
10. • EVEREST GROUP IS NOT REGISTERED AS AN INVESTMENT ADVISER OR RESEARCH ANALYST WITH THE UNITED STATES (U.S.) SECURITIES AND EXCHANGE COMMISSION, THE FINANCIAL INDUSTRY REGULATORY AUTHORITY (FINRA), OR ANY STATE OR FOREIGN (NON-U.S.) SECURITIES REGULATORY AUTHORITY. AT PRESENT, EVEREST GROUP IS NOT REQUIRED TO REGISTER AS AN INVESTMENT ADVISER OR RESEARCH ANALYST. FOR THE AVOIDANCE OF DOUBT, EVEREST GROUP IS NOT PROVIDING ANY ADVICE CONCERNING SECURITIES AS DEFINED BY THE LAW OR ANY REGULATORY ENTITY OR AN ANALYSIS OF EQUITY SECURITIES AS DEFINED BY THE LAW OR ANY REGULATORY ENTITY.
    • ALL PROPERTIES, MATERIALS, PRODUCTS AND/OR SERVICES (INCLUDING IN RELATION TO GEN AI) OF EVEREST GROUP ARE PROVIDED OR MADE AVAILABLE FOR ACCESS ON THE BASIS SUCH IS FOR INFORMATIONAL PURPOSES ONLY AND ARE PROVIDED “AS IS” WITHOUT ANY WARRANTY OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR OTHERWISE, INCLUDING ANY WARRANTIES OF COMPLETENESS, ACCURACY, RELIABILITY, NONINFRINGEMENT, ADEQUACY, MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE. ALL IMPLIED WARRANTIES ARE DISCLAIMED TO THE EXTENT PERMITTED BY LAW. YOU UNDERSTAND AND EXPRESSLY AGREE THAT YOU ASSUME THE ENTIRE RISK AS TO YOUR USE AND ANY RELIANCE UPON SUCH.
    • EVEREST GROUP IS NOT A LEGAL, TAX, FINANCIAL, OR INVESTMENT ADVISER, AND NOTHING PROVIDED BY EVEREST GROUP IS LEGAL, TAX, FINANCIAL, OR INVESTMENT ADVICE. NOTHING EVEREST GROUP PROVIDES IS AN OFFER TO SELL OR A SOLICITATION OF AN OFFER TO PURCHASE ANY SECURITIES OR INSTRUMENTS FROM ANY ENTITY. NOTHING FROM EVEREST GROUP MAY BE USED OR RELIED UPON IN EVALUATING THE MERITS OF ANY INVESTMENT. DO NOT BASE ANY INVESTMENT DECISIONS, IN WHOLE OR PART, ON ANYTHING PROVIDED BY EVEREST GROUP.
    • ANY STATEMENTS THAT EXPRESS OR INVOLVE DISCUSSIONS WITH RESPECT TO PREDICTIONS, EXPECTATIONS, BELIEFS, PLANS, PROJECTIONS, OBJECTIVES, GOALS, ASSUMPTIONS OR FUTURE EVENTS OR PERFORMANCE ARE NOT STATEMENTS OF HISTORICAL FACT AND MAY BE “FORWARD LOOKING STATEMENTS.” FORWARD LOOKING STATEMENTS ARE BASED ON EXPECTATIONS, ESTIMATES AND PROJECTIONS AT THE TIME THE STATEMENTS ARE MADE THAT INVOLVE A NUMBER OF RISKS AND UNCERTAINTIES WHICH COULD CAUSE ACTUAL RESULTS OR EVENTS TO DIFFER MATERIALLY FROM THOSE PRESENTLY ANTICIPATED. FORWARD LOOKING STATEMENTS MAY BE IDENTIFIED THROUGH THE USE OF WORDS SUCH AS “EXPECTS,” “WILL,” “ANTICIPATES,” “ESTIMATES,” “BELIEVES,” AMONG OTHERS, OR BY STATEMENTS INDICATING THAT CERTAIN ACTIONS “MAY,” “COULD,” OR “MIGHT” OCCUR. PAST RESULTS ARE NOT NECESSARILY INDICATIVE OF FUTURE PERFORMANCE.
    • EVEREST GROUP MATERIALS, PRODUCTS AND/OR SERVICES REPRESENT RESEARCH OPINIONS OR VIEWPOINTS, NOT REPRESENTATIONS OR STATEMENTS OF FACT. ACCESSING, USING, OR RECEIVING A GRANT OF ACCESS TO EVEREST GROUP MATERIALS, PRODUCTS AND/OR SERVICES DOES NOT CONSTITUTE ANY RECOMMENDATION BY EVEREST GROUP TO (1) TAKE ANY ACTION OR REFRAIN FROM TAKING ANY ACTION OR (2) ENTER INTO A PARTICULAR TRANSACTION. NOTHING FROM EVEREST GROUP WILL BE RELIED UPON OR INTERPRETED AS A PROMISE OR REPRESENTATION AS TO PAST, PRESENT, OR FUTURE PERFORMANCE OF A BUSINESS OR A MARKET. THE INFORMATION CONTAINED IN ANY EVEREST GROUP MATERIAL, PRODUCT AND/OR SERVICE IS AS OF THE DATE PREPARED AND EVEREST GROUP HAS NO DUTY OR OBLIGATION TO UPDATE OR REVISE THE INFORMATION OR DOCUMENTATION.
    • EVEREST GROUP COLLECTS DATA AND INFORMATION FROM SOURCES IT, IN ITS SOLE DISCRETION, CONSIDERS RELIABLE. EVEREST GROUP MAY HAVE OBTAINED DATA OR INFORMATION THAT APPEARS IN ITS MATERIALS, PRODUCTS AND/OR SERVICES FROM THE PARTIES MENTIONED THEREIN, PUBLIC SOURCES, OR THIRD-PARTY SOURCES, INCLUDING DATA AND INFORMATION RELATED TO FINANCIALS, ESTIMATES, AND/OR FORECASTS. EVEREST GROUP IS NOT A CERTIFIED PUBLIC ACCOUNTING FIRM OR AN ACCREDITED AUDITOR AND HAS NOT AUDITED FINANCIALS. EVEREST GROUP ASSUMES NO RESPONSIBILITY FOR INDEPENDENTLY VERIFYING SUCH INFORMATION.
    • COMPANIES MENTIONED IN EVEREST GROUP MATERIALS, PRODUCTS AND/OR SERVICES MAY BE CUSTOMERS OF EVEREST GROUP OR HAVE INTERACTED WITH EVEREST GROUP IN SOME OTHER WAY, INCLUDING, WITHOUT LIMITATION, PARTICIPATING IN EVEREST GROUP RESEARCH ACTIVITIES. UNLESS EXPRESSLY AUTHORIZED IN WRITING AND SIGNED BY THE GENERAL COUNSEL OR A DULY ELECTED DIRECTOR OR OFFICER OF AN EVEREST GROUP ENTITY, IN NO EVENT WILL EVEREST GROUP MATERIALS, PRODUCTS AND/OR SERVICES, OR ANY PORTIONS THEREOF, BE USED OR DISCLOSED (i) IN ANY DOCUMENT FILED WITH THE UNITED STATES (U.S.) SECURITIES AND EXCHANGE COMMISSION OR ANY FOREIGN (NON-U.S.) EQUIVALENT OR COMPARABLE, (ii) IN ANY DOCUMENT FILED OR DISTRIBUTED IN CONNECTION WITH ANY PURCHASE OR SALE OF SECURITIES OR INSTRUMENTS, (iii) IN CONNECTION WITH ANY ATTEMPT OR ACTION TO OBTAIN FINANCING OR ANYTHING ELSE OF VALUE, OR (iv) IN CONNECTION WITH ANY FAIRNESS OPINION ISSUED IN CONNECTION WITH ANY TRANSACTION.
    • FURTHER, EVEREST GROUP IS NOT, AND WILL NOT BE CONSIDERED AS OR REPRESENTED AS, IN ANY CIRCUMSTANCE: (i) CERTIFYING ANY REPORT OR VALUATION OR (ii) AN “EXPERT” UNDER ANY CORPORATE OR SECURITIES LAW, INCLUDING, WITHOUT LIMITATION, THE COMPANIES ACT, 2013, OF INDIA OR THE SECURITIES ACT OF 1933 OF THE UNITED STATES OF AMERICA.
    • EVEREST GROUP DISCLAIMS ALL LIABILITY FOR ANY DAMAGE OR LOSS ARISING FROM OR RELATED TO THE SECURITY, RELIABILITY, OR PERFORMANCE OF INTERNET AND TELECOMMUNICATIONS PROVIDERS’ PRODUCTS OR SERVICES. EVEREST GROUP IMPLEMENTS SECURITY MEASURES TO PROTECT ITS PROPERTIES, MATERIALS, PRODUCTS, AND SERVICES FROM VIRUSES, MALICIOUS CODE, AND OTHER SIMILAR THREATS; HOWEVER, EVEREST GROUP MAKES NO GUARANTEE THAT THEY WILL BE FREE FROM SUCH THREATS OR THAT ANY RESULTING DAMAGE WILL BE PREVENTED.

11. Everest Group may update and modify these Notices and Disclaimers to a newer, revised version at any time by posting such on the Everest Group website at everestgrp.com/legal. The newer, revised version will become effective upon posting, and you are agreeing to such terms by accessing or using any Everest Group property, materials, Products and/or Services, or by interacting with or otherwise providing Everest Group with data or information. It is your continuing responsibility to check the Everest Group website regularly for such updates and modifications. You also agree that Everest Group has no obligation to proactively provide notice of updates and/or modifications.
12. If any provision or part of a provision is held to be unenforceable or prohibited in any jurisdiction, it will be ineffective in that jurisdiction only to the extent of such unenforceability or prohibition, and the remainder of these terms will remain in full force and effect.
13. You are representing that you have the authority to agree to the provisions hereunder on behalf of yourself and/or your employer, as applicable.
14. If you have an agreement with Everest Group in relation to your access or use of Everest Group property, materials, Products and/or Services or your interactions with Everest Group, and that agreement contains a governing law provision, then this provision will not apply and the governing law provision in that agreement with Everest Group will apply instead e.g., you executed an Order (as defined in Everest Group’s Terms of Sale) with Everest Group that incorporates Everest Group’s Terms of Sale. However, in all other cases where no such agreement exists, the following applies: These Notices and Disclaimers (including any extra-contractual, tort, statutory, or equitable claims) will be governed and construed in accordance with the state laws of Texas, United States of America, and the federal laws of the United States of America, without regard to its conflict of laws principles. The exclusive jurisdiction, forum, and venue for all claims and lawsuits (including any extra-contractual, tort, statutory, or equitable claims) is the jurisdiction, forum, and venue of Collin County, Texas, and includes their appeals court.
15. These Notices and Disclaimers supersede all prior agreements or understandings between the parties on the subject matter herein.

Effective April 2025

Version 3