Non-Disclosure Agreement

1. Parties

This Non-Disclosure Agreement (“Agreement”) is entered into between CoverGuard, Inc. (“CoverGuard,” “we,” “us,” or “our”) and the individual or entity accessing or using the CoverGuard platform (“User,” “you,” or “your”). By creating an account or accessing the Platform, you agree to the terms of this Agreement.

2. Definition of Confidential Information

“Confidential Information” means any non-public information disclosed by CoverGuard to User through the Platform, including but not limited to:

• Proprietary risk scoring methodologies and algorithms
• Carrier availability data and writing status intelligence
• Underwriting intelligence and market condition assessments
• Property insurability assessments and scoring models
• Pricing models and premium estimation methodologies
• Aggregated market data and carrier relationship information
• Platform source code, technical architecture, and infrastructure details
• Business strategies, partnerships, and non-public product roadmaps

3. Obligations of Receiving Party

User agrees to:

• Hold all Confidential Information in strict confidence
• Not disclose Confidential Information to any third party without prior written consent from CoverGuard
• Use Confidential Information solely for lawful property research purposes and personal or professional decision-making
• Take reasonable measures to protect the confidentiality of information, using at least the same degree of care used to protect their own confidential information
• Promptly notify CoverGuard of any unauthorized disclosure or use of Confidential Information

4. Exclusions

Confidential Information does not include information that:

• Is or becomes publicly available through no fault of the User
• Was known to the User prior to disclosure by CoverGuard, as evidenced by written records
• Is independently developed by the User without use of or reference to the Confidential Information
• Is disclosed with the prior written approval of CoverGuard
• Is required to be disclosed by law, regulation, or court order, provided that the User gives CoverGuard prompt written notice to allow CoverGuard to seek a protective order

5. Term and Duration

This Agreement is effective upon your first access to the Platform and shall remain in effect for a period of five (5) years following the termination of your access to the Platform, regardless of the reason for termination. The confidentiality obligations under this Agreement survive expiration or termination.

6. Remedies

User acknowledges that any breach of this Agreement may cause irreparable harm to CoverGuard for which monetary damages may be inadequate. Accordingly, CoverGuard shall be entitled to seek equitable relief, including injunction and specific performance, in addition to all other remedies available at law or in equity, without the requirement of posting a bond.

7. No License

Nothing in this Agreement grants User any rights in or to the Confidential Information, except the limited right to use it as described herein. All Confidential Information remains the sole and exclusive property of CoverGuard.

8. Governing Law

This Agreement shall be governed by and construed in accordance with the laws of the State of Delaware, without regard to its conflict of laws principles. Any disputes arising under this Agreement shall be resolved in the state or federal courts located in Delaware.

9. Contact

If you have questions about this Agreement, please contact us at legal@coverguard.com.