Terms & Conditions

NOTICE REGARDING INSURANCE TRACING REQUESTS

BY SUBMITTING A REQUEST WITH RED FOLDER RESEARCH AND/OR RED FOLDER INVESTIGATIONS (RFR), AN IDAHO LIMITED LIABILITY COMPANY, YOU (THE “CUSTOMER”) HEREBY CONFIRM AND ACKNOWLEDGE THAT YOU READ, UNDERSTAND, AND AGREE TO THE FOLLOWING TERMS AND CONDITIONS.

1. NOTICE REGARDING INSURANCE TRACING REQUESTS

By submitting any request to Red Folder Research and/or Red Folder Investigations (RFR), an Idaho limited liability company, you (“Customer”) confirm and acknowledge that you have read, understand, and agree to be bound by these Terms & Conditions.

2. FEES & BILLING

2.1 Terms of Business

NET 15 days from the date RFR returns results via the JIRA Client Portal or email,
and delivers the invoice via the JIRA Client Portal or email from QuickBooks.
15-day grace period; late fee of $25 after grace period.
Additional 15% late fee every 30 days thereafter, calculated on the invoice total plus
any prior late fees previously assessed.
Services may be suspended and the payment method on file charged without
further notice, with the charge calculated on the invoice total plus any prior late
fees previously assessed.
All approved clients must maintain a valid payment method on file.

2.2 Fees Quoted

“Per policy researched.” Applies even if the policy or self-insurer fails to provide coverage.
Only an inconclusive result or “no-hit” is No-Fee.

2.3 Exceptions to the Fee Schedule

May apply for lengthy research (e.g., older cases). Additional charges will be
approved in writing before work begins.

2.4 Incomplete or Inaccurate Information

dditional fees may apply if incomplete or inaccurate information is provided.

2.5 No Charge Policy

No fee if RFR cannot identify policy limits or confirm lack of coverage.

2.6 Partial Information

If only part of the requested information is found, only that portion is billed.

2.7 Turnaround Times

Standard: 4 business days – Policy Limit Search.
7 business days for Policy Existence Search.
Black Card: 2 business days – Policy Limit Search
3 business days – Policy Existence Search
Delays do not entitle Customer to withhold payment unless RFR agrees in writing to waive fees

2.8 Rush Cases

Placed ahead of non-rush cases.
Rush fee waived if results not obtained or research exceeds 5 business days.
3-Day, 1-Day, and 3-Hour rush cases cannot be canceled.
Rush fees remain payable in full under NET 15 terms.

2.9 Policy Existence Case

Cannot be canceled once submitted.
$270 No Hit Fee ($375 for commercial) applies regardless of outcome.
Failure to disclose known policies waives any right to dispute results or fees.
Policies in police reports count as valid hits unless RFR is instructed otherwise in
writing.

2.10 Termination

$50 fee for termination or changes after request submission.
All changes must be in writing; verbal requests not accepted.

2.11 Dispute of Fees

Must be submitted within 90 days from invoice date; no exceptions after.

3. DEFINITIONS

Insurer: Carrier, Agent, Broker, or Defendant found to be Self-Insured.
Date of Loss: As stated on Request Form, or any date within provided loss period.
Policy Existence / Identifying the Insurer: Providing the Insurer name for the
named Defendant on loss date.
Termination: Cancellation after request is received.
Liability Limits: Returned for policy number provided or associated with claim
number for date of loss; no guarantee regarding excluded/non-permitted drivers.

4. PROCESS

Requests: Submit via JIRA Client Portal or as directed by RFR. Submit each request
only once. Duplicate submissions are billed individually.
Policy Existence Searches: Subject called “Defendant” on order form; may or may
not cover subject vehicle/property.
Successful Hit: Subject is policyholder or named driver on located policy.
Additional Searches: Only conducted on separate requests.
Turnaround: 5–7 days for policy limit requests; 7–10 for policy existence requests
(target only, not guaranteed). Expedited services available.
Policy Limit Traces: Must include policy/claim number and any insurer
correspondence.

5. LIABILITY & LEGAL PROTECTIONS

5.1 Disclaimer

RFR’s results are for informational purposes only and do not constitute legal
advice.
Data is sourced from third parties and may be inaccurate or incomplete.
Services provided “as-is” and “as-available.”
Customer’s sole remedy is a refund of fees paid for the specific service in question.

5.2 No Incidental or Consequential Damages

RFR is not liable for any indirect, incidental, consequential, punitive, or statutory
damages, including lost profits or opportunities.

5.3 Indemnification

Customer will indemnify RFR, its affiliates, contractors, vendors, and information
providers for claims arising from breach, misuse, or inaccurate information
provided.

5.4 Confidentiality

Customer must keep RFR’s proprietary methods, processes, pricing, and
communications confidential.

5.5 Force Majeure

RFR is not liable for delays caused by events beyond its control (e.g., natural
disasters, government actions, internet outages, strikes).

6. GOVERNING LAW

Governed by the laws of Idaho.
Venue: Ada County, Idaho. Parties waive objections to jurisdiction.n.

7. AFFIRMATIONS & DECLARATIONS

Customer will only use services for lawful purposes.
Customer is responsible for compliance with all laws when using RFR’s
information.

8. AMENDMENT CLAUSE

RFR may update these Terms & Conditions at any time without notice.
The most current version posted on RFR’s website or client portal supersedes prior
versions.
Continued use of services = acceptance of current Terms

9. ENTIRE AGREEMENT

These Terms & Conditions, the Request Form, and Fee Schedule constitute the
entire agreement between RFR and the Customer, superseding all prior
understandings.