Terms and conditions

Welcome to The Coverage Checkup. These Terms & Conditions (“Terms”) govern your access to and use of TheCoverageCheckup.com, our forms, advertisements, communications, and related services (collectively, the “Services”).

By accessing our website, submitting information, or using our Services, you agree to these Terms. If you do not agree with these Terms, please do not use our Services.

1. ABOUT THE COVERAGE CHECKUP

The Coverage Checkup provides marketing, lead-generation, informational, and referral services designed to help consumers review their insurance needs and connect with licensed insurance professionals or insurance agencies.

The Coverage Checkup is not an insurance carrier and does not itself issue insurance policies, determine insurance eligibility, establish premiums, bind coverage, or guarantee that insurance coverage will be available.

Insurance products and services are provided by the applicable licensed insurance professionals, agencies, and/or insurance carriers.

2. NO GUARANTEE OF SAVINGS OR COVERAGE

The Coverage Checkup does not guarantee that you will qualify for insurance coverage, receive a particular premium, obtain better coverage, or save money.

Insurance availability, eligibility, coverage, rates, discounts, underwriting decisions, and policy terms are determined by the applicable insurance agency and/or insurance carrier.

Any references on our website or advertisements to reviewing coverage, identifying potential gaps, or exploring potential savings are informational and do not constitute a guarantee of any particular result.

3. INFORMATION YOU PROVIDE

You agree that information you submit through our website, forms, advertisements, or other Services will be accurate and provided in good faith.

You authorize us to use information you submit to process your request, communicate with you, and connect you with insurance professionals or agencies that may be able to assist you.

You should not submit information about another person unless you are authorized to provide that information.

4. CONNECTION WITH INSURANCE PROFESSIONALS

By requesting a Coverage Checkup, insurance review, quote, or related service, you understand that The Coverage Checkup may provide information from your request to one or more participating licensed insurance professionals, insurance agencies, insurance carriers, or other appropriate service providers.

Those businesses are independent from The Coverage Checkup unless expressly stated otherwise.

Any insurance transaction, recommendation, quote, application, coverage determination, or policy is between you and the applicable licensed insurance professional, agency, and/or insurance carrier.

Participating insurance professionals and agencies may have their own terms, privacy policies, and business practices.

5. COMMUNICATIONS

If you provide your telephone number or email address and provide the applicable consent, The Coverage Checkup and insurance professionals or agencies receiving your request may contact you regarding your request and insurance products or services.

Depending on the consent you provide, communications may occur by telephone call, text message, email, or other electronic communication and may involve automated technology or AI-assisted communications.

Consent to receive marketing communications is not a condition of purchasing any product or service.

Message and data rates may apply.

You may opt out of marketing text messages by replying STOP. You may unsubscribe from marketing emails by following the unsubscribe instructions contained in those emails.

Additional methods of withdrawing consent may be available as required by applicable law.

6. PRIVACY

Your use of our Services is also subject to our Privacy Policy.

Our Privacy Policy explains how we collect, use, disclose, and protect information.

Please review our Privacy Policy at:

TheCoverageCheckup.com/privacy-policy

7. WEBSITE CONTENT

Information provided through The Coverage Checkup is intended for general informational and marketing purposes.

Nothing on our website should be interpreted as legal, financial, tax, or individualized insurance advice.

Insurance needs vary by individual and household. You should review insurance recommendations, policy terms, exclusions, deductibles, limits, and other coverage information with an appropriately licensed insurance professional.

8. INTELLECTUAL PROPERTY

The Coverage Checkup name, branding, logos, website content, graphics, text, and other materials associated with our Services may be protected by copyright, trademark, and other intellectual property laws.

You may not copy, reproduce, distribute, modify, sell, or commercially exploit our materials without prior written permission, except as permitted by applicable law.

9. THIRD-PARTY SERVICES AND LINKS

Our website or Services may contain links to third-party websites, services, insurance professionals, agencies, carriers, or other businesses.

The Coverage Checkup does not control and is not responsible for the content, availability, security, privacy practices, products, or services of independent third parties.

Your interactions with third parties are governed by the terms and policies applicable to those parties.

10. PROHIBITED USE

You agree not to use our website or Services to:

• Violate applicable laws or regulations

• Submit fraudulent, false, misleading, or unauthorized information

• Interfere with the operation or security of our website or systems

• Attempt to gain unauthorized access to our systems or data

• Introduce malicious software or harmful code

• Use our content or Services for unlawful or unauthorized commercial purposes

11. DISCLAIMER OF WARRANTIES

To the extent permitted by applicable law, our website and Services are provided on an “as is” and “as available” basis.

We do not guarantee that our website or Services will always be available, uninterrupted, error-free, or that use of our Services will result in obtaining insurance coverage or savings.

12. LIMITATION OF LIABILITY

To the extent permitted by applicable law, The Coverage Checkup will not be liable for indirect, incidental, special, consequential, or punitive damages arising from or related to your use of our website or Services.

The Coverage Checkup is not responsible for insurance coverage decisions, premiums, underwriting decisions, claims decisions, representations, products, services, or actions of independent insurance professionals, agencies, carriers, or other third parties.

13. CHANGES TO THESE TERMS

We may update these Terms periodically to reflect changes in our Services, business practices, technology, or legal requirements.

When changes are made, we may update the Effective Date shown at the top of these Terms.

Your continued use of our Services after revised Terms become effective constitutes acceptance of the updated Terms.

14. GOVERNING LAW

These Terms will be governed by applicable United States law and the laws of the state applicable to The Coverage Checkup's operations, without regard to conflict-of-law principles, except where applicable law requires otherwise.

15. CONTACT US

If you have questions about these Terms & Conditions, please contact:

The Coverage Checkup

Email: [email protected]

Website: TheCoverageCheckup.com

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