Kerner Advisory

Business Audit Services Agreement

The agreement between us for the Business Audit we discussed. It is written in plain language to be easy to understand. If anything is unclear, please ask before you accept.

Kerner Ventures LLC  ·  Winchester, Kentucky  ·  Last updated May 2026

By checking the acceptance box and completing payment for the Audit, you confirm that you have read this Agreement, understood it, and agreed to all of it.

This Agreement is between Kerner Advisory, a brand operated by Kerner Ventures LLC, a Kentucky limited liability company located in Winchester, Kentucky ("Consultant"), and the client who accepts these terms at checkout ("Client"). The Client name, Client business name, and email captured at checkout, together with the date and time of acceptance, identify the Client and form part of this Agreement. The Effective Date is the date acceptance and payment are completed.

Section 1

Services

Consultant will provide a Business Audit (the "Audit") consisting of:

The Audit identifies operational pain points and recommends tools, workflows, and process changes, often involving artificial intelligence and automation software. The Audit is the entire scope of services under this Agreement. Implementation of any recommendation is a separate engagement and requires a signed Statement of Work as described in Section 5.

Section 2

Fee and Payment

The fee for the Audit is the amount quoted by Consultant and presented at the payment link provided to Client.

Payment is due in full before the live working session begins. Consultant will provide a payment link, and the session will not be scheduled or held until payment is received and cleared.

Section 3

Satisfaction Guarantee

If, by the end of the live working session, Client believes the Audit was not worth the fee paid, Client may notify Consultant in writing within twenty four (24) hours of the session ending and receive a full refund of the fee.

To exercise this guarantee, Client must:

  1. Send written notice to Consultant by email at the address listed in Section 18 within the 24 hour window
  2. Not implement any of the recommendations provided during or after the session

Refund will be issued within 7 business days of valid notice. If Client implements any recommendation from the Audit, Client waives the right to a refund. After the 24 hour window passes without written notice, the fee is fully earned and not refundable.

Section 4

Client Cooperation

Client agrees to:

If Client fails to complete the questionnaire or attend the scheduled session, the fee is forfeited and Consultant has no further obligation.

Section 5

Implementation Work

Implementation of any recommendation, whether by Consultant or any third party, is outside the scope of this Agreement. If Client wishes to engage Consultant for implementation support, the parties will execute a separate written Statement of Work specifying:

No implementation work begins until a Statement of Work is signed by both parties and the agreed initial payment is received. Verbal agreements, text messages, and casual conversations do not create implementation obligations.

Section 6

Client Representations and Warranties

Client represents and warrants that:

  1. Industry exclusion. Client's business is not an insurance carrier, insurance agency, insurance brokerage, managing general agent, reinsurance entity, InsurTech company, financial services firm, registered investment advisor, or any other entity in the insurance, financial services, or regulated professional advisory industries. Client further represents that Client's primary revenue does not come from selling, distributing, or servicing insurance, financial, or investment products. Client also confirms that, to the best of Client's knowledge, Client is not currently and has not been within the last twelve (12) months an Erie Insurance policyholder, an employee or agent of an Erie Insurance agency, or a party to any active claim, coverage dispute, or commercial relationship with Erie Insurance.
  2. Authority. The person accepting this Agreement on Client's behalf has full authority to bind Client.
  3. Truthful information. All information provided by Client in the intake questionnaire and during the session is, to the best of Client's knowledge, accurate and complete.
  4. Continuing accuracy. Client agrees to notify Consultant in writing within five (5) business days if any representation in this Section 6 becomes inaccurate during the term of this engagement. Failure to disclose a change that creates a conflict of interest is grounds for immediate termination by Consultant under Section 6, with no obligation to refund any portion of the fee.

If any of these representations is or becomes untrue, Consultant may terminate this Agreement immediately by written notice, retain the full fee paid, and have no further obligation to provide services or refunds.

Section 7

Data Handling and AI Tools

What Consultant collects

During the Audit, Consultant receives information from Client through the intake questionnaire, the live working session, and any follow up communication. This may include business operations details, descriptions of processes, names of customers, employees, or vendors that Client chooses to share, and other content Client provides voluntarily.

What Consultant does not ask for

Consultant does not request, and Client should not provide, regulated personal information including: Social Security numbers, dates of birth, driver's license numbers, financial account numbers, credit card numbers, employer identification numbers (EINs), tax identification numbers, individual health information, or login credentials of any kind. If Client inadvertently provides any such information, Consultant will delete it upon discovery and notify Client.

Where Client information lives

Client information is stored on Consultant's personal business systems, including encrypted cloud storage and password protected devices used solely for Kerner Advisory work. Consultant does not store Client information on any system belonging to any other employer or organization.

How AI tools are used

Consultant uses artificial intelligence tools, including large language models, to assist with research, analysis, and preparation of recommendations. Information Client provides may be processed through these tools as part of preparing the Audit. AI generated content is always reviewed by Consultant before delivery, and Consultant remains responsible for the substance of all recommendations. Consultant uses AI providers with standard commercial data protection practices but cannot guarantee the specific data handling practices of any third party AI provider. Client expressly acknowledges this risk and agrees that Consultant is not liable for any data exposure, breach, or unauthorized access caused by a third party AI provider acting outside of Consultant's reasonable control.

Retention and deletion

Consultant will delete Client's questionnaire responses, session notes, and other identifying information from active systems within ninety (90) days after completion of the Audit, unless Client has engaged Consultant for ongoing implementation work under a separate Statement of Work. Consultant may retain general lessons learned (without identifying Client) for the purpose of improving services for other clients. Client may request earlier deletion in writing at any time.

Marketing and case studies

Consultant will not use Client's business name, logo, identifying details, or specific situation in any marketing, social media post, blog, case study, or testimonial without Client's prior written permission.

Section 8

No Professional Advice

The Audit and any recommendations made by Consultant are operational and strategic in nature. They are not:

Consultant is not a licensed attorney, certified public accountant, financial advisor, or insurance producer acting in those capacities under this Agreement. Client is solely responsible for consulting appropriate licensed professionals before acting on any recommendation.

Section 9

Third Party Tools and Services

Recommendations may include the use of third party software, platforms, or service providers (for example, Jobber, QuickBooks, Calendly, Zapier). Consultant is not responsible for:

Client is solely responsible for reviewing and accepting the terms of any third party tool before adopting it.

Section 10

Confidentiality

Each party will treat the other's nonpublic business information as confidential and will not disclose it to any third party except:

Confidential information does not include information that is publicly available, was already known to the receiving party before disclosure, or is independently developed by the receiving party.

This obligation continues for two (2) years after termination of this Agreement.

Section 11

Independent Contractor Relationship

Consultant is an independent contractor. Nothing in this Agreement creates:

Consultant is not an employee or agent of Client. Client is not an employee or agent of Consultant. Each party is responsible for its own taxes, insurance, and legal compliance.

Section 12

Intellectual Property

  1. Deliverables. Upon receipt of full payment, Client owns the written Audit summary and any custom recommendations prepared specifically for Client.
  2. Consultant materials. Consultant retains all rights to its underlying frameworks, methodologies, templates, intake questionnaires, processes, and know how. Nothing in this Agreement transfers ownership of those materials to Client.
  3. No restriction on Consultant. Consultant may use general lessons learned from the engagement (without identifying Client or disclosing confidential information) to improve its services for other clients.
Section 13

Limitation of Liability

To the maximum extent allowed by law:

  1. Consultant's total liability under this Agreement, for any reason, is capped at the total fees actually paid by Client to Consultant under this Agreement.
  2. Neither party is liable to the other for any indirect, incidental, consequential, special, exemplary, or punitive damages, including lost profits, lost revenue, loss of business opportunity, loss of data, or business interruption, even if advised of the possibility of such damages.
  3. No guarantee of results. Client acknowledges that the success of any recommendation depends on factors outside Consultant's control, including Client's execution, market conditions, employee performance, and customer behavior. Consultant makes no guarantee of revenue, savings, growth, efficiency, or any other business outcome.
Section 14

Indemnification

Each party will indemnify and hold harmless the other party, and the other party's owners and personnel, from any third party claim, damage, or expense (including reasonable attorney fees) arising from the indemnifying party's:

Consultant's total indemnification obligation is also subject to the cap in Section 13(a).

Section 15

Termination

Either party may terminate this Agreement at any time by written notice. The consequences of termination depend on when it occurs:

Sections 6, 8, 10, 11, 12, 13, 14, 16, and 17 survive termination of this Agreement.

Section 16

Dispute Resolution

If a dispute arises, the parties agree to first attempt to resolve it through good faith direct discussion within thirty (30) days of written notice of the dispute.

If direct discussion fails, the parties agree to attempt mediation through a mutually agreed mediator located in Kentucky before filing any lawsuit. Each party will bear its own mediation costs and split the mediator's fee equally.

If mediation fails, any lawsuit must be filed in the state or federal courts located in Clark County, Kentucky, or the closest court of competent jurisdiction. Both parties consent to that jurisdiction and venue.

Section 17

Governing Law

This Agreement is governed by the laws of the Commonwealth of Kentucky, without regard to its conflict of laws principles.

Section 18

Notices

Written notices required under this Agreement must be sent to:

Consultant: Kerner Advisory, 20 Mockingbird Valley Road, Winchester, KY 40391, rob@kerneradvisory.com

Client: the email and mailing address provided at checkout.

Notice is effective when received by email (with no bounce) or three (3) business days after mailing.

Section 19

Miscellaneous

  1. Entire agreement. This Agreement is the complete and exclusive agreement between the parties regarding the Audit. It replaces any prior conversations, emails, or proposals on the same subject.
  2. Amendments. Any change to this Agreement must be in writing and agreed by both parties.
  3. No assignment. Neither party may assign this Agreement without the other party's written consent, except that Consultant may assign to a successor entity in connection with a sale or reorganization of its business.
  4. Severability. If any provision is held unenforceable, the rest of the Agreement remains in effect, and the unenforceable provision will be modified to the minimum extent needed to make it enforceable.
  5. No waiver. A failure to enforce any provision does not waive the right to enforce it later.
  6. Electronic acceptance. This Agreement may be accepted electronically. Acceptance recorded at checkout, including the acceptance box and the timestamp captured at payment, has the same effect as a handwritten signature.
Section 20

Force Majeure

Neither party is liable for delays or failures in performance caused by events outside their reasonable control, including but not limited to serious illness, family emergency, natural disaster, internet or power outage, acts of government, or pandemic. The party affected will notify the other in writing as soon as reasonably possible. If the delay continues for more than thirty (30) days and the Audit has not yet been delivered, either party may terminate this Agreement and Client will receive a full refund of any fees paid.


Acceptance

By checking the acceptance box at checkout and completing payment, both Client and Consultant agree to the terms above. Consultant is Kerner Ventures LLC, doing business as Kerner Advisory, accepted on its behalf by Robert Kerner, Member and Owner. Client acceptance is recorded electronically at checkout with a timestamp, which both parties agree has the same effect as a handwritten signature under Section 19(f).