Terms of Use

Welcome to CoverCrest (“we”, “us”, or “our”). These Terms of Use (“Terms”) govern your access to and use of our website, content, and services (collectively, the “Services”). By using the Services, you agree to these Terms. If you do not agree, please do not use the Services.

1) Eligibility & Accounts

You must be the age of majority in your jurisdiction to use the Services. If creating an account, you agree to provide accurate information and keep your credentials secure. You are responsible for all activity under your account.

2) Informational Nature (No Advice)

Content on this site is provided for general informational purposes related to health insurance. It does not constitute legal, tax, financial, or medical advice. You should consult qualified professionals for advice specific to your situation.

3) Coverage & Product Information

Descriptions of plans, benefits, pricing, or eligibility may be summaries and may change without notice. Actual terms of coverage are governed by the applicable policy documents issued by the insurer or plan administrator.

4) Quotes, Payments & Cancellations

• Quotes: Any quote is not a binding offer and may change after underwriting/review.
• Payments: If payments are enabled, you authorize us or our payment processor to charge your selected method. You agree to applicable taxes and fees.
• Cancellations/Refunds: Where applicable, cancellations and refunds follow the specific policy’s terms. Some fees may be non-refundable.

5) Acceptable Use

You agree not to misuse the Services, including by:

• Violating laws or third-party rights;
• Interfering with security or operation of the Services;
• Scraping, crawling, or using automated means without permission;
• Uploading malicious code or harmful content.

6) Intellectual Property

The Services, including text, graphics, logos, and software, are owned by us or our licensors and are protected by law. You receive a limited, non-exclusive, non-transferable license to access and use the Services for personal or internal business use.

7) Third-Party Links & Services

The Services may link to third-party websites or involve third-party tools. We are not responsible for their content, policies, or practices. Your use of third-party resources is at your own risk and may be subject to their terms.

8) Privacy

Your use of the Services is also subject to our Privacy Policy, which explains how we collect, use, and share information. If there is any conflict between these Terms and the Privacy Policy regarding data handling, the Privacy Policy controls.

9) Disclaimers

• The Services are provided “as is” and “as available” without warranties of any kind, express or implied.
• We do not warrant that the Services will be uninterrupted, secure, or error-free, or that defects will be corrected.
• We disclaim any warranty of merchantability, fitness for a particular purpose, and non-infringement to the maximum extent permitted by law.

10) Limitation of Liability

To the fullest extent permitted by law, we shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits, revenues, data, or goodwill arising from or related to your use of the Services.

11) Indemnification

You agree to indemnify and hold us and our affiliates, officers, directors, employees, and agents harmless from any claims, damages, liabilities, costs, and expenses (including reasonable attorneys’ fees) arising from your use of the Services or violation of these Terms.

12) Changes to the Services & Terms

We may modify or discontinue the Services at any time. We may update these Terms from time to time by posting a revised version with a new “Last updated” date. Your continued use of the Services after changes are posted constitutes acceptance.

13) Governing Law & Disputes

These Terms are governed by the laws of [Insert your jurisdiction], without regard to conflict of law principles. Disputes shall be resolved in the courts located in [Insert venue], unless applicable law requires otherwise.

14) Contact

If you have questions about these Terms, contact us at [email protected].