Terms of Service & User Agreement

Effective Date: March 17, 2026

Welcome to the digital properties of Cover Technologies, LLC ("we," "us," or "our"). This Agreement governs your interaction with our websites, applications, and online resources (collectively, the “Site”) as well as the various interactive tools, widgets, and insurance-related resources we provide (the “Services”).

By accessing our Site, you are entering into a legally binding contract. If you do not agree to these terms, you are not authorized to use our Services. We reserve the right to revoke access to our site for any reason, at any time, without notice.

These Terms of Use, our Privacy Policy, and any additional site rules (the “Terms”) constitute a legal agreement between you and us. If you have a separate written contract with us (e.g., an advertiser agreement), that document prevails over these Terms regarding any conflicting points.

1. Eligibility and Scope

  • Target Audience: Our Site and Services are intended exclusively for citizens and legal residents of the United States who are at least 18 years of age. If you do not meet these criteria, you are prohibited from using the Site.
  • Entire Agreement: These Terms, alongside our Privacy Policy and any specific rules posted on the Site, constitute the full agreement between you and Cover Technologies, LLC.
  • Modifications: We reserve the right to update these Terms at any time without prior notice. Your continued use of the Site following any changes signifies your acceptance of the revised Terms. We recommend reviewing this page periodically.

2. Our Role: Insurance Connectivity & Content

Cover Technologies, LLC acts as a bridge between consumers and the insurance industry.

  • The Connection: We provide information regarding insurance products and facilitate introductions to insurance agents, carriers, and third-party providers (“Insurance Services”).
  • No Professional Advice: We are not an insurance provider or an agent in this context. We do not provide financial, tax, or legal advice.
  • Compensation Disclosure: We do not charge consumers for using our matching services. Instead, we receive referral fees or commissions from the Insurance Services with whom we connect you.
  • No Endorsements: We do not recommend specific products or carriers. We cannot guarantee that any Insurance Service will provide you with a quote, offer coverage, or honor specific discounts.
  • Accuracy of Information: While we strive for precision, all "Content" (including insurance data and job listings) is provided for informational purposes only. We do not guarantee its absolute accuracy or continued availability.

3. Communication & Consent

By providing your contact information, you agree to the following:

  • Automated Marketing: You provide your express written consent for Cover Technologies, LLC and our third-party partners to contact you via live calls, automated dialing systems, and prerecorded or artificial voice messages/text messages at the number provided.
  • No Purchase Required: Your consent to receive marketing communications is not a condition for purchasing any goods or services.
  • Recording Disclosure: To ensure quality and for analytical purposes, all calls to or from Cover Technologies, LLC may be monitored or recorded. By using our Services, you consent to this recording and agree to obtain consent from any other parties on your end of the line.
  • SMS Programs: Participation in our texting programs is subject to our specific SMS Terms and Conditions (found at the conclusion of this document). Standard message and data rates may apply.

4. User Accounts and Security

If you register for an account:

  1. Accuracy: You must provide truthful, current information.
  2. Confidentiality: You are responsible for maintaining the secrecy of your password. You may not share your account with others.
  3. Liability: You are responsible for all activity occurring under your account credentials.
  4. Security Best Practices: We recommend updating your password every 12 weeks. Note that our employees will never ask for your password; please report any such requests immediately.

5. Ownership of Intellectual Property

The "look and feel," graphics, text, and assembly of the Site are the exclusive property of Cover Technologies, LLC or its licensors and are protected by copyright and trademark laws.

  • Limited License: You may download or print materials for your personal, non-commercial use only.
  • Prohibitions: You may not reproduce, modify, distribute, or reverse engineer any part of the Site or Services. Systematic data scraping or "crawling" to create databases is strictly prohibited without our prior written consent.

6. User Submissions & Conduct

When you submit a quote request, review, or message (a "Submission"), you grant Cover Technologies, LLC a perpetual, royalty-free, and worldwide license to use, modify, and distribute that content for any business purpose.

Submission Rules:

  • You must own the rights to anything you post.
  • Submissions must not be illegal, defamatory, or harmful.
  • You may not impersonate others or use automated scripts to interact with the Site.
  • You may not attempt to probe or bypass our security measures.

7. Digital Millennium Copyright Act (DMCA)

If you believe your copyrighted work has been infringed upon, please contact our DMCA Agent:

Cover Technologies, LLC Attn: DMCA Department 4041 MacArthur Blvd, Suite 210 Newport Beach, CA 92660 Email: legal@cover.com Phone: 855-214-2291

Your notice must include a physical signature, a description of the work, the URL of the infringing material, and a statement under penalty of perjury that your claim is accurate.

8. Disclaimers and Liability Limits

PLEASE READ CAREFULLY

THE SITE IS PROVIDED “AS IS.” TO THE MAXIMUM EXTENT PERMITTED BY LAW, COVER TECHNOLOGIES, LLC AND ITS AFFILIATES DISCLAIM ALL WARRANTIES, INCLUDING MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE.

WE ARE NOT LIABLE FOR ANY INDIRECT, INCIDENTAL, OR CONSEQUENTIAL DAMAGES ARISING FROM YOUR USE OF THE SITE. IN NO EVENT SHALL OUR TOTAL CUMULATIVE LIABILITY EXCEED FIVE DOLLARS ($5.00).

9. Indemnification

You agree to defend and hold Cover Technologies, LLC and its officers, directors, and employees harmless from any claims, losses, or legal fees resulting from your violation of these Terms or your misuse of the Site.

10. Dispute Resolution & Arbitration

Any legal dispute arising from these Terms will be governed by the laws of the State of California, without regard to conflict of laws principles.

  • Mandatory Arbitration: Any unresolved Dispute shall be settled via binding arbitration through the American Arbitration Association (AAA).
  • Venue: Arbitration shall take place in Franklin County, Ohio.
  • Class Action Waiver: All claims must be brought in an individual capacity. You waive the right to participate in a class action or representative proceeding.
  • Statute of Limitations: Any claim must be filed within one (1) year of the occurrence of the facts giving rise to the dispute.

11. Third-Party Links

Our Site contains links to external websites. We do not control, endorse, or assume responsibility for the content or practices of these third-party sites. Your use of them is at your own risk.

12. Contact Information

For legal inquiries or general questions regarding these Terms, please reach us at:

Cover Technologies, LLC Attn: Legal Department 4041 MacArthur Blvd, Suite 210 Newport Beach, CA 92660 Email: service@cover.com Phone: 855-214-2291