Effective Date: May 11, 2026
Welcome to The Cowart Group (“we,” “us,” or “our”). These Terms & Conditions (“Terms”) govern your access to and use of our website, your communications with us, and any services we provide. By accessing our website, contacting us, or engaging our services, you (“you” or “your”) agree to be bound by these Terms. If you do not agree, please discontinue use of our website and services.
The Cowart Group is an executive benefits consulting firm based in Mobile, Alabama. We assist employers and their key employees with the design, placement, and administration of executive benefit programs, deferred compensation plans, life and disability insurance, and related strategies. Specific services are governed by separate written engagement agreements between us and our clients. These Terms do not, by themselves, create a client relationship or an obligation to provide services.
Our website and services are intended for individuals who are at least 18 years of age and who have the legal capacity to enter into binding agreements. By using our website or services, you represent and warrant that you meet these requirements.
The content provided on our website and in general communications is for informational purposes only. It is not intended as, and should not be relied upon as, legal, tax, accounting, investment, or insurance advice. Information regarding insurance products, plan design, and benefits is general in nature and may not reflect the specific terms, conditions, exclusions, or limitations that apply to any particular policy or program. You should consult with qualified legal, tax, and financial professionals before making any decisions based on information from our website or general communications.
Nothing on our website or in our general communications constitutes an offer to sell, or a solicitation of an offer to buy, any insurance product or security. Insurance products are offered and sold only by appropriately licensed individuals through the issuing carriers, and only in jurisdictions where the products and the licensed individuals are properly authorized. The Cowart Group and its representatives conduct insurance activities only in states where they hold the required licenses and appointments.
Specific services, deliverables, fees, and payment terms are set forth in a separate written engagement agreement or proposal. In the absence of such an agreement, no professional services relationship exists, and we have no obligation to perform work, render advice, or provide deliverables. Any preliminary discussions, presentations, or informational meetings are conducted without charge and without obligation unless otherwise expressly agreed in writing.
When you engage us, you agree to:
You acknowledge that the success of any benefit program depends in part on the accuracy of information provided and on factors outside our control, including carrier underwriting decisions, market conditions, and changes in law or regulation.
All content on our website and in materials we prepare — including text, graphics, logos, illustrations, plan designs, proposals, and presentations — is the property of The Cowart Group or its licensors and is protected by U.S. and international intellectual property laws. You may view and print materials for your personal, non-commercial reference in connection with our services. You may not otherwise copy, reproduce, distribute, modify, publish, or create derivative works from our materials without our prior written consent.
When using our website, you agree not to:
Our website may contain links to third-party websites, including those of insurance carriers, service providers, and informational resources. We do not control and are not responsible for the content, accuracy, products, services, or privacy practices of third-party sites. Inclusion of a link does not imply endorsement. You access third-party sites at your own risk.
By providing us with your email address, telephone number, or other contact information, you consent to receive communications from us electronically, by phone, and by mail in connection with our services and these Terms. You agree that electronic communications and records satisfy any legal requirement that such communications or records be in writing. You may opt out of non-essential marketing communications at any time by following the instructions in the message or contacting us directly.
We treat client information as confidential and handle it in accordance with our Privacy Policy and applicable law. You agree to keep confidential any non-public information we share with you in the course of an engagement, including proposals, plan designs, pricing, and strategies, and to use such information only for the purpose for which it was provided.
OUR WEBSITE, CONTENT, AND GENERAL INFORMATIONAL COMMUNICATIONS ARE PROVIDED “AS IS” AND “AS AVAILABLE,” WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, ACCURACY, OR UNINTERRUPTED AVAILABILITY. WE DO NOT WARRANT THAT THE SITE WILL BE SECURE OR FREE OF ERRORS, VIRUSES, OR OTHER HARMFUL COMPONENTS. PROFESSIONAL SERVICES PROVIDED UNDER A SEPARATE ENGAGEMENT AGREEMENT ARE GOVERNED BY THE TERMS OF THAT AGREEMENT.
TO THE FULLEST EXTENT PERMITTED BY LAW, THE COWART GROUP, ITS OWNERS, OFFICERS, EMPLOYEES, AND REPRESENTATIVES SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, REVENUE, DATA, OR BUSINESS OPPORTUNITY, ARISING OUT OF OR RELATED TO YOUR USE OF OUR WEBSITE OR RELIANCE ON GENERAL INFORMATIONAL CONTENT, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. ANY LIABILITY ARISING UNDER A SEPARATE ENGAGEMENT AGREEMENT SHALL BE GOVERNED BY THE LIMITATIONS SET FORTH IN THAT AGREEMENT.
You agree to indemnify, defend, and hold harmless The Cowart Group and its owners, officers, employees, and representatives from and against any claims, liabilities, damages, losses, and expenses, including reasonable attorneys’ fees, arising out of or related to (a) your violation of these Terms; (b) your misuse of our website or services; (c) your violation of any applicable law or the rights of any third party; or (d) inaccurate or incomplete information you provide to us.
These Terms are governed by the laws of the State of Alabama, without regard to its conflict-of-law principles. Any dispute arising out of or relating to these Terms or our services shall be brought exclusively in the state or federal courts located in Mobile County, Alabama, and you consent to the personal jurisdiction of those courts.
We may update these Terms from time to time to reflect changes in our practices, our services, applicable law, or for other operational reasons. The revised Terms will be posted with an updated effective date. Your continued use of our website or services after the revised Terms are posted constitutes your acceptance of the changes.
If any provision of these Terms is found to be unenforceable, the remaining provisions will remain in full force and effect. Our failure to enforce any provision of these Terms shall not be deemed a waiver of that provision or of any other provision.
These Terms, together with our Privacy Policy and any separate written engagement agreement between us, constitute the entire agreement between you and us with respect to your use of our website and the subject matter described in these Terms, and supersede any prior or contemporaneous understandings.
If you have questions about these Terms, please contact us at:
The Cowart Group
501 Bishop Lane N., Suite 2, Mobile, AL 36608
Phone: (251) 342-0446