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Moderation Guidelines Last updated: November 21, 2025 These Moderation Guidelines explain how Rate My Adjuster ("we," "our," or "us") manages user-submitted reviews, ratings, and other website content. Our goal is to maintain a respectful, honest, and safe platform while protecting users and adjusters from harmful or inappropriate content. These guidelines apply to all users and all submissions. 1. Overview of Moderation Our moderation approach focuses on: Promoting constructive and honest reviews Preventing harassment, defamation, or inappropriate content Removing content that violates laws or user safety We reserve the right to remove or modify content at our discretion. 2. Allowed Content Users are encouraged to share: Personal experiences with insurance adjusters Factual descriptions of interactions Honest opinions and feedback Information that may help others make informed decisions Content should be: Respectful Clear Relevant to the adjuster or the claim experience 3. Prohibited Content The following types of content are not allowed: 3.1 Harassment and Abuse Insults, name-calling, or personal attacks Threats or encouraging harm toward any individual 3.2 Defamatory or False Information Statements presented as fact that cannot be verified False accusations of illegal activity without evidence Fabricated reviews or intentionally misleading content 3.3 Personal or Sensitive Information Private details such as phone numbers, home addresses, email addresses Claim numbers, policy numbers, or confidential insurance information Personal information about adjusters or third parties without permission 3.4 Unrelated or Spam Content Advertisements or promotions Reviews unrelated to adjuster performance Repeated posting of the same content (spam) 3.5 Hate Speech or Discrimination Content that targets individuals or groups based on race, ethnicity, gender, sexual orientation, religion, disability, or similar characteristics 4. Review Moderation Process We may moderate content through: 4.1 Automated Review Tools may flag content for human review if it contains: Offensive language Potentially defamatory claims Personal information 4.2 Manual Review Our team may evaluate flagged or reported content to determine whether it violates these guidelines. 4.3 Content Removal Content may be removed if: It violates these guidelines It poses a legal or safety risk It is reported and confirmed to be inappropriate Serious or repeated violations may result in restrictions or removal of the user's ability to post. 5. User Reporting Users can report problematic content through our support channel at support@ratemyadjuster.com . When reporting, please include: A link to the content A brief explanation of the issue We will review all reports in a timely manner. 6. Appeals If your content is removed and you believe it was done in error, you may appeal by contacting us at support@ratemyadjuster.com . Please include: The original text of your review The reason you believe the removal was incorrect We will evaluate appeals but are not obligated to restore removed content. 7. Disclaimer Moderation decisions are made in good faith, but we cannot guarantee that all inappropriate content will be identified or removed. We do not endorse or verify the accuracy of user-submitted reviews. 8. Updates to These Guidelines We may update these Moderation Guidelines at any time. Changes take effect once posted. Continued use of the site signifies acceptance of the updated guidelines. 9. Contact Us For questions about these guidelines, contact: support@ratemyadjuster.com

Terms of Use Last updated: November 21, 2025 Welcome to Rate My Adjuster ("we," "our," or "us"). By accessing or using our website, you agree to these Terms of Use ("Terms"). If you do not agree, please do not use the site. 1. Acceptance of Terms By accessing or using this website, you confirm that you are at least 18 years old and agree to be bound by these Terms and our Privacy Policy. 2. Website Purpose Rate My Adjuster provides a platform for users to share experiences and opinions about insurance adjusters. We do not verify user-submitted ratings, reviews, or claims, and they reflect the personal opinions of users, not our organization. 3. User Content 3.1 Responsibility for Content You are solely responsible for any content (including reviews, ratings, comments, or other submissions) you post. You agree not to post: False, misleading, or defamatory statements Harassing, abusive, or threatening content Personal information without consent Content that violates any laws or third-party rights 3.2 License to Use Content By submitting content, you grant us a non-exclusive, worldwide, royalty-free license to use, display, reproduce, and distribute your content in connection with operating the website. We reserve the right (but not the obligation) to remove content at our discretion. 4. Prohibited Uses You agree not to: Use the site for unlawful purposes Attempt to disrupt or harm the website or servers Scrape, copy, or harvest data without permission Impersonate another person or entity 5. No Professional or Legal Advice Content on this website is for general informational purposes only. Nothing on the site should be considered legal, insurance, or professional advice. 6. Intellectual Property All trademarks, logos, design elements, and content on this site (excluding user submissions) are owned by Rate My Adjuster. You may not copy, reproduce, or use them without permission. 7. Third-Party Links The website may include links to third-party sites. We are not responsible for their content, policies, or practices. 8. Disclaimer of Warranties The site is provided “as is” without warranties of any kind. We do not guarantee: Accuracy or completeness of content Continuous availability of the site That all user-submitted information is truthful or reliable 9. Limitation of Liability To the fullest extent allowed by law, Rate My Adjuster is not liable for any damages resulting from: Use or inability to use the website User-submitted content Actions taken in reliance on information on the website 10. Indemnification You agree to indemnify and hold us harmless from any claims, losses, damages, or expenses arising from your use of the website or your violation of these Terms. 11. Changes to These Terms We may update these Terms at any time. Changes take effect upon posting. Continued use of the site means you accept the updated Terms. 12. Termination We may suspend or terminate your access at any time for violating these Terms or for any reason at our discretion. 13. Governing Law These Terms are governed by the laws of the United States and the State of [Your State]. Any disputes must be resolved in courts located in [Your State]. 14. Contact Us If you have questions about these Terms, contact us at: support@ratemyadjuster.com