Confidentiality / Non-Disclosure Agreement

Once executed, please return to rfp-information@apg-team.com

(The “Agreement”)
This Confidentiality, Non-Disclosure, Non-Circumvention, and Restrictive Covenants Agreement (“Agreement”) is made and entered into as of the date of the last signature below (“Effective Date”) by and between:

Allied Professional Group, LLC, including all subsidiaries, affiliates, related entities, divisions, parent companies, managed entities, partners, and their respective officers, directors, employees, managers, members, shareholders, agents, attorneys, advisors, and representatives (collectively, “Discloser”), and
____________________________, including its affiliates, employees, agents, consultants, representatives, subcontractors, successors, and assigns (collectively, “Receiver”).
Discloser and Receiver may be referred to individually as a “Party” and collectively as the “Parties.”

Agreement

1. DEFINITIONS

1.1 Confidential Information

“Confidential Information” includes all information disclosed by Discloser, whether oral, written, electronic, visual, or in any other form, including but not limited to:

  • business models, insurance structures, financial programs, tax strategies, legal frameworks, underwriting methodologies, operational workflows, algorithms, models, analyses, projections, memoranda, or intellectual property;
  • technical, legal, tax, accounting, actuarial, and strategic guidance or documentation;
  • all personally identifiable information (PII), protected health information (PHI), and any information subject to HIPAA, GLBA, GDPR, or other privacy regimes;
  • all client information, data, communications, records, forms, applications, financial statements, and materials;
  • names and contact information of clients, partners, reinsurance markets, intermediaries, service providers, and any other relationship-based assets of Discloser;
  • any information marked confidential or that a reasonable party would understand to be confidential.

1.2 Exclusions

Confidential Information does not include information that:

(a) is or becomes publicly known through no breach by Receiver;

(b) is already in Receiver’s possession without obligation of confidentiality;

(c) is lawfully obtained from a third party not under confidentiality obligations;

(d) is independently developed by Receiver without use of Discloser’s information; or

(e) must be disclosed under law, provided Receiver complies with Section 7.

2. PURPOSE AND LIMITATION

Receiver shall use Confidential Information solely for the purpose expressly authorized in writing by Discloser (the “Authorized Purpose”). Receiver may not:

  • analyze, use, or apply the Information for any other purpose; -3- APGLLC-C&NDA 2025
  • reverse-engineer or derive business models, strategies, or structures similar to those disclosed;
  • utilize the Information to build or support competing programs, products, consulting services, or captive structures.

3. NON-DISCLOSURE OBLIGATIONS

Receiver shall:

(a) protect Confidential Information with the highest degree of care used to protect its own confidential information, and in no event less than commercially reasonable efforts;

(b) not disclose Confidential Information to any individual or entity except those expressly permitted and pre-approved in writing by Discloser;

(c) ensure that all permitted recipients execute written confidentiality and protective agreements at least as restrictive as this Agreement;

(d) immediately notify Discloser of any unauthorized access, disclosure, breach, or suspicion thereof;

(e) assist Discloser in mitigating, containing, and curing any unauthorized disclosure or data breach;

(f) segregate all HIPAA-protected information and maintain strict compliance with all applicable healthcare privacy laws.

These obligations survive for the maximum period permitted under applicable law, including indefinitely for trade secrets.

4. NON-CIRCUMVENTION

Receiver agrees that it shall not, directly or indirectly:

  • contact, solicit, negotiate with, interfere with, or attempt to circumvent Discloser concerning any clients, prospects, partners, reinsurers, service providers, or affiliates introduced by or related to Discloser;
  • bypass Discloser to obtain professional, financial, or insurance services;
  • develop or attempt to develop programs competing with or modeled after the CMS or any proprietary programs or structures owned by Discloser;
  • interfere with or attempt to interfere with Discloser’s contractual or business relationships.

    This covenant shall remain in effect for two (2) years following the last receipt of Confidential Information, and longer where trade-secret status persists.

5. NON-SOLICITATION

Receiver agrees that it shall not, directly or indirectly:

For a period of two (2) years following the last date on which Receiver obtains or has access to Confidential Information, Receiver shall not, directly or indirectly, whether on its own behalf or on behalf of any other person or entity:

(a) Solicit, induce, divert, or attempt to solicit any client, customer, policyholder, insurance owner, prospective client, partner, affiliate, advisor, vendor, or service provider of Discloser with whom Receiver had contact or gained knowledge through Discloser;

(b) Solicit, recruit, hire, or attempt to hire any employee, contractor, consultant, or representative of Discloser, nor encourage any such individual to terminate their employment or relationship with Discloser;

(c) Interfere with or disrupt any existing or prospective business relationship, contractual relationship, referral stream, insurance structure, program participation, or strategic partnership of Discloser;

(d) Engage in any conduct that is reasonably expected to divert business, opportunities, or goodwill away from Discloser.

This covenant applies globally, survives expiration or termination of this Agreement, and is independent of the non-circumvention and competitive-use restrictions.

6. RESTRICTION ON COMPETITIVE USE

Receiver shall not use any Confidential Information for:

(a) competing against Discloser

(b) supporting a third party that competes with Discloser;

(c) creation, refinement, or commercialization of alternative captive strategies, tax structures, or financial models;

(d) any purpose that could reasonably be expected to diminish Discloser’s competitive advantage.

This restriction applies worldwide.

7. REQUIRED DISCLOSURE

If Receiver receives a request or legal requirement to disclose Confidential Information, Receiver shall:

  1. give Discloser a prompt written notice, within ten (10) business days of response unless prohibited by law;
  2. cooperate with Discloser in seeking protective orders or confidential treatment;
  3. disclose only what is legally required and no more.

8. RETURN OR DESTRUCTION

Upon written request or upon termination of discussions, Receiver must within ten (10) business days:

  • return all Confidential Information, or
  • destroy it and certify destruction in writing.

No copies may be retained except as required by law.

Failure to return or destroy confidential information constitutes a breach.

9. TERM AND SURVIVAL

Confidentiality survives:

  • five (5) years from Effective Date for all non-trade-secret information;
  • indefinitely for trade secrets, HIPAA-protected data, and intellectual property.

10. INTERNATIONAL CONSIDERATIONS

This Agreement is intended to be enforceable internationally. Receiver agrees to comply with all applicable:

  • U.S. federal and state privacy laws
  • GDPR / UK-GDPR
  • HIPAA and HITECH
  • Any foreign laws governing privacy, data export, trade secrets, or confidentiality.


Receiver confirms that obligations hereunder apply to foreign affiliates, subsidiaries, personnel,
and representatives.

11. INDEMNIFICATION

Receiver shall indemnify, defend, and hold harmless Discloser and all Related Parties from all losses, liabilities, damages, claims, costs, fines, penalties, regulatory actions, and attorneys’ fees arising out of or relating to:

  • unauthorized disclosure;
  • breach of this Agreement;
  • negligent or intentional acts or omissions;
  • Violation of privacy, data-security, or healthcare laws

12. EQUITABLE RELIEF

Receiver acknowledges:

  • breaches will cause irreparable harm;
  • monetary damages may be inadequate;
  • Discloser is entitled to injunctive and equitable relief without bond.

13. GOVERNING LAW; VENUE

This Agreement shall be governed by:
the laws of the State of Texas, without regard to conflicts-of-law principles.

Venue shall lie exclusively in:
Harris County, Texas.

Receiver consents to personal jurisdiction therein.

14. WAIVER OF JURY TRIAL

THE PARTIES KNOWINGLY AND VOLUNTARILY WAIVE ANY RIGHT TO A TRIAL BY JURY for disputes arising out of or related to this Agreement.

15. ATTORNEYS’ FEES

The prevailing party in any dispute shall be entitled to recover its reasonable attorneys’ fees and costs.

16. MISCELLANEOUS

16.1 Entire Agreement

This Agreement constitutes the entire agreement regarding the subject matter.

16.2 Modifications

Modifications must be in a written document signed by both Parties.

16.3 Severability

Invalid provisions shall be modified or severed without affecting remaining terms.

16.4 Assignment

Receiver may not assign any rights or obligations without Discloser’s written consent.

16.5 Counterparts & Electronic Signatures

Electronic and counterpart signatures are valid and binding.