These Notices and Disclaimers apply to (i) all access to and/or use of Everest Group property, materials, products and services, and (ii) Everest Group’s use of data and information. Everest Group’s Terms of Sale and Terms of Use, as well as additional terms, authority matrices, notices and statements, are available at www.everestgrp.com/legal.

Thank you for choosing Everest Group!

You agree to and, where applicable, authorize Everest Group to perform, the following:

  1. Everest Group utilizes generative artificial intelligence application and tools (“Gen AI”) internally (“Internal Gen AI”) and, in some instances, provides Gen AI to its clients to utilize to increase the value of or provide insights into Everest Group materials, products and services (“External Gen AI”). Gen AI includes AI-assisted dashboards, chatbots, and integrations. Everest Group’s 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.
  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 of Everest Group’s materials, products and 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 make mistakes and is not to be relied upon. Everest Group encourages you 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 www.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]. 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. You also agree to carry cybersecurity insurance and to indemnify Everest Group for any actions or omission attributable to you during private litigation and/or any and all types of governmental action and/or enforcement.
  7. Inputs into Gen AI of your intellectual property, information or data remain yours; however, you agree Everest Group owns all outputs of the Gen AI (“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 warrant that you comply with U.S. Department of Justice’s Evaluation of Corporate Compliance Programs, Updated September 2024 (https://www.justice.gov/criminal/criminal-fraud/page/file/937501/dl), and any amendments or updates thereto, including ensuring adequate training and compliance programs related to Gen AI.
  9. 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.
  10. EVEREST GROUP IS NOT REGISTERED AS AN INVESTMENT ADVISER OR RESEARCH ANALYST WITH THE 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, ASSETS, 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 THAT RECIPIENT (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 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 U.S. SECURITIES AND EXCHANGE COMMISSION OR ANY FOREIGN 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) CERTIFIYING ANY REPORT OR VALUATION OR (ii) AN “EXPERT” UNDER ANY CORPORATE OR SECURITIES LAW, INCLUDING, WITHOUT LIMTIATION, 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, ASSETS, 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. The newer, revised version will become effective upon posting, and you are agreeing to such terms by accessing, reviewing, or using any Everest Group property, asset, materials, products, and/or services, or 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. Any provision of these terms that is prohibited or unenforceable in any jurisdiction will, as to such jurisdiction, be ineffective and severable only to the extent necessary so that the remaining provisions will remain, be effective, and govern. Any provision deemed prohibited or unenforceable will be rewritten consistent with its purpose and to give the same or closest economic impact as originally intended.
  13. 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 and forum for all claims and lawsuits (including any extra-contractual, tort, statutory, or equitable claims) is the jurisdiction and forum of Collin County, Texas, and includes their appeals court.