DISCLAIMER OF WARRANTIES AND LIMITATIONS OF LIABILITY: This Insurance Pro-Rata Premium Calculator ("Calculator") is provided by Cogitate ("Cogitate") on an "AS IS" and "AS AVAILABLE" basis for informational and estimation purposes only.

NO WARRANTIES: Cogitate makes no representations or warranties of any kind, express or implied, regarding the accuracy, completeness, reliability, or suitability of the Calculator or its results. The Calculator is provided without warranty of any kind, including but not limited to warranties of merchantability, fitness for a particular purpose, or non-infringement.

CALCULATION LIMITATIONS: The Calculator uses standard pro-rata methodologies and may not account for:

• All policy-specific terms, conditions, or endorsements
• State-specific insurance regulations or requirements
• Applicable fees, taxes, surcharges, or assessments
• Policy-specific minimum earned premium rules
• Short-rate cancellation penalties beyond standard calculations
• Reinstatement fees or conditions
• Other factors that may affect actual premium calculations

NOT PROFESSIONAL ADVICE: The Calculator is not intended to provide legal, financial, or insurance advice. Results are estimates only and should not be used as the sole basis for making insurance decisions. Users should consult with qualified insurance professionals, review actual policy documents, and verify all calculations through their policy administration systems.

LIMITATION OF LIABILITY: To the fullest extent permitted by law, Cogitate, its affiliates, officers, directors, employees, and agents shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, whether incurred directly or indirectly, or any loss of data, use, goodwill, or other intangible losses resulting from:

• Your use or inability to use the Calculator
• Any errors or omissions in the Calculator or its results
• Any decisions made based on Calculator results
• Any reliance on the accuracy, completeness, or usefulness of Calculator results

INDEMNIFICATION: You agree to indemnify, defend, and hold harmless Cogitate and its affiliates from any claims, damages, losses, liabilities, and expenses (including reasonable attorneys' fees) arising from your use of the Calculator or violation of these terms.

MODIFICATIONS: Cogitate reserves the right to modify, suspend, or discontinue the Calculator at any time without notice. Cogitate may update these disclaimers and limitations at any time.

GOVERNING LAW: These disclaimers and limitations shall be governed by and construed in accordance with the laws of the State of Georgia, without regard to its conflict of law provisions.

By using this Calculator, you acknowledge that you have read, understood, and agree to be bound by these disclaimers and limitations.