The Specialist Opinion (“TSO”), together with its affiliates, related entities, subsidiaries, and associated brands, including but not limited to ClaimsAssist (collectively, the “Company”), provides information, content, and services on this website and through its platforms strictly for general informational and administrative purposes only.

Nothing contained on this website, in any materials, communications, consultations, or services provided by the Company shall be construed as, nor is intended to constitute, legal advice, medical advice, financial advice, insurance advice, or professional advice of any kind. Users should not rely on any information provided by the Company as a substitute for obtaining advice from appropriately qualified professionals.

No Professional or Specialist Advice

The Company does not provide legal opinions, medical diagnoses, treatment recommendations, insurance determinations, or professional judgments. Any assistance rendered, including but not limited to claims support, documentation assistance, coordination services, administrative facilitation, or specialist opinion summaries, is non-decisional and non-advisory in nature.

All decisions made based on information obtained through the Company’s website or services are undertaken solely at the user’s own discretion and risk.

No Reliance

While reasonable efforts are made to ensure that information provided is accurate and up to date, the Company makes no representations, warranties, or guarantees, whether express or implied, regarding the accuracy, completeness, suitability, or reliability of any content or services.

The Company expressly disclaims any duty of care owed to users in respect of reliance on information or services provided.

Third Parties and External Providers

The Company may refer users to, coordinate with, or facilitate access to third-party professionals, service providers, insurers, medical practitioners, or specialists. The Company does not control, endorse, supervise, or assume responsibility for the acts, omissions, advice, opinions, services, or outcomes provided by any third party.

Any engagement between the user and a third party is strictly a matter between those parties.

Limitation of Liability

To the fullest extent permitted by law, the Company shall not be liable for any loss, damage, cost, expense, injury, claim, or liability whatsoever (whether direct, indirect, incidental, consequential, special, or otherwise) arising out of or in connection with:

• Use of or reliance on this website or its content

• Use of the Company’s services

• Any incorrect, incomplete, delayed, or misunderstood information

• Any alleged wrongful, negligent, or inaccurate advice

• Acts or omissions of third parties

• Any decision, action, or inaction taken by the user

Indemnity

By using this website or the Company’s services, you agree to fully indemnify, defend, and hold harmless The Specialist Opinion, its affiliates (including ClaimsAssist), directors, officers, employees, agents, and contractors from and against any and all claims, losses, damages, liabilities, costs, and expenses (including legal fees) arising from or related to:

• Your reliance on information or services provided

• Any misuse of the website or services

• Any claim that the Company provided wrongful, misleading, or negligent advice

• Any breach of these terms or applicable laws

Jurisdiction

This disclaimer shall be governed by and construed in accordance with the laws of the applicable jurisdiction in which the Company operates, without regard to conflict of law principles.