Terms of Use - Covr Financial Technologies

Covr Financial Technologies, LLC, and its parents, subsidiaries and/or affiliated companies (collectively, “Covr,” “we,” “our,” or “us”), maintain a website at covrtech.com and a services platform for purchasing insurance products (collectively herein, “Platform”). These Terms of Use apply whenever you access or use our Platform.

PLEASE READ THESE TERMS OF USE CAREFULLY.

THEY CONTAIN IMPORTANT INFORMATION REGARDING YOUR LEGAL RIGHTS INCLUDING MANDATORY ARBITRATION IN YOUR INDIVIDUAL CAPACITY ONLY, NO REPRESENTATIVE CLAIMS, AND WAIVER OF YOUR RIGHT TO A JURY TRIAL. BY USING THE PLATFORM, YOU AGREE TO THESE TERMS OF USE. YOUR ACCESS TO AND/OR USE OF THE PLATFORM SIGNALS YOUR ACCEPTANCE OF THESE TERMS OF USE. IF YOU DO NOT AGREE TO THESE TERMS OF USE, YOU MAY NOT USE THE PLATFORM.

The Platform is controlled, operated and intended for use only in the United States of America. We do not represent that content or materials in the Platform, or use of it, is appropriate or made available for use outside of the United States.

Throughout these Terms of Use, you will see capitalized words or phrases. These capitalized words and phrases are defined terms and the definitions are found either in these Terms of Use, the applicable Official Rules, if any, or our Privacy Policy found here.

TABLE OF CONTENTS

This table of contents provides a summary of these Terms of Use. It is for your convenience only and is intended only to help guide you. It should not be read as a complete presentation of all of the terms and conditions contained herein.

1. Acceptance of Terms of Use & Modification. Each time you access and/or use the Platform, you agree to be bound by these Terms of Use and any additional terms that will apply prospectively to you. You agree that we have the right to discontinue your access to the Platform, in whole or in part, at any time and for any reason whatsoever. You agree to accept notice of posting of any new terms or conditions to these Terms of Use. When these Terms of Use are modified, you will receive notice that they have been modified. You are encouraged to review these Terms of Use each time you access the Platform.

2. Scope of Permitted Use & Revocable License. We grant you a limited revocable license to use the Platform for your own personal, non-commercial use, subject to certain rules and limitations. We reserve the right to modify or discontinue the Platform, in whole or in part, at any time.

3. Access to and Availability of the Platform. Your use of the Platform is subject to various restrictions designed to protect the Platform and others. Carrier and wireless carrier charges may apply depending upon the means of your access to the Platform (i.e., via wireless networks, devices), and you are solely responsible for paying such charges.

4. Registration, Passwords, Unauthorized Use of Your Account, Content. When you access the Platform, you may be required to establish an account with us. If so, you must provide true, accurate and current information if you establish an account with us. Your activities with the Platform may be shared with others in accordance with our Privacy Policy. You may be able to post content on the Platform. You grant us a broad license to any content that you post, and you bear all responsibility for all such content. No confidential or fiduciary relationship is created by your posting on the Platform.

5. You Agree to Our Privacy Policy. By using the Platform, you consent to our Privacy Policy and our practices detailed therein, including disclosure/sharing of your information.

6. Your Conduct and Acceptable Use. Your use of the Platform is subject to our rules regarding acceptable conduct and practices, including no unlawful or harassing conduct. We may, but have no obligation to, monitor your use of the Platform. We reserve the right, but have no duty, to investigate any suspected violations of these Terms of Use.

7. Children’s Online Privacy Protection Act Notification. The Platform is not designed or intended for use by children under the age of eighteen (18).

8. Disclaimers and Limitations. We disclaim all warranties and provide the Platform “As-Is.” You agree that you are entitled to no damages for any claims related to your use of the Platform, except as set out below. Our liability to you, if any, is limited.

9. Linked Websites and Merchants. We are not responsible for third-party websites or their content or advertisements, even if they are linked to our Platform. We are not responsible for your business dealings with financial advisors, insurance carriers, brokers, or other third parties with whom you may interact in connection with your use of the Platform and/or our Services.

10. Indemnification and Termination. You agree to indemnify us in certain circumstances. We may terminate your account, password, and/or access to the Platform in our sole discretion at any time and without prior notice.

11. Use in the U.S. Only. The Platform is not intended to be available in locations outside the United States. We do not represent that the Platform is appropriate under or comply with any law or regulation outside the U.S. If you access the Platform outside of the U.S., there may be additional legal restrictions on the Platform for those countries subject to U.S. export controls. If you access the Platform while outside of the U.S., you do so at your own risk.

12. Disputes. YOU AGREE TO ARBITRATE ANY DISPUTES WITH US AND WAIVE ALL RIGHTS TO JURY TRIAL OR TO PARTICIPATE IN CLASS ACTIONS. Non-U.S. citizens agree to an alternative procedure for dispute resolution if a tribunal rules that arbitration is prohibited by law.

13. Notice for California Users. Residents of California are entitled to specific consumer rights information, which is provided herein.

14. Miscellaneous. By accessing and using the Platform, you agree to certain terms regarding (a) the applicable law and venue; (b) no waiver; (c) the enforcement and interpretation of these Terms of Use; (d) your limited time to file claims; and (e) the manner in which you communicate with us. You also agree not to assign or delegate your rights and obligations under these Terms of Use.