CoverageAdvantage
Terms and Conditions
Last
Updated: March 12, 2025
1.
Acceptance of Terms
Welcome to
CoverageAdvantage ("we," "us," or "our"). By
accessing or using our website (the "Site"), you agree to comply with
and be bound by these Terms and Conditions ("Terms"). If you do not
agree with these Terms, please do not use our Site.
2.
Description of Services
CoverageAdvantage
provides a platform that connects users with auto insurance providers. We
collect information from you to generate insurance quotes from our partner
companies. We do not sell insurance directly. Our services are provided for
informational purposes only and do not constitute financial or legal advice.
3. User
Responsibilities
- Accuracy
of Information:
You are responsible for providing accurate and complete information. Any
inaccuracies may affect the accuracy of the insurance quotes you receive.
- Age
Requirement:
You must be at least 18 years old to use our services.
- Compliance
with Laws:
You agree to comply with all applicable laws and regulations when using
our Site.
- Prohibited
Conduct: You
agree not to use our Site for any unlawful or fraudulent purpose,
including but not limited to:
- Transmitting
viruses or other harmful code.
- Attempting
to gain unauthorized access to our systems.
- Interfering
with the operation of our Site.
4.
Insurance Quotes and Partner Relationships
- Quotes
are Estimates:
The insurance quotes provided on our Site are estimates and are not guaranteed.
Actual premiums may vary based on factors not captured by our platform.
- Third-Party
Providers: We
partner with various insurance providers. Your interactions with these
providers are governed by their respective terms and conditions. We are
not responsible for the actions or omissions of third-party providers.
- No
Endorsement:
The inclusion of any insurance provider on our Site does not constitute an
endorsement or recommendation.
5.
Intellectual Property
- Ownership: All content on our Site,
including text, graphics, logos, and software, is the property of
CoverageAdvantage or its licensors and is protected by intellectual
property laws.
- Limited
License: We
grant you a limited, non-exclusive, and non-transferable license to access
and use our Site for personal, non-commercial purposes.
- Restrictions: You may not reproduce,
distribute, or modify any content from our Site without our express
written permission.
6.
Disclaimer of Warranties
- "As
Is" Basis:
Our Site and services are provided on an "as is" and "as
available" basis.
- No
Warranties:
We make no warranties, express or implied, regarding the accuracy,
reliability, or availability of our Site or services.
- Limitation
of Liability:
We shall not be liable for any direct, indirect, incidental,
consequential, or punitive damages arising from your use of our Site or
services.
7. TCPA
Compliance (Telephone Consumer Protection Act)
- Consent
to Contact:
By providing your phone number, you expressly consent to receive calls and
text messages from us and our partners, including autodialed and
prerecorded messages, for marketing and informational purposes.
- Opt-Out: You may revoke your consent
at any time by following the opt-out instructions provided in our
communications or by contacting us directly.
- No
Purchase Required:
You understand that providing consent is not a condition of purchasing any
goods or services.
8. CCPA
Compliance (California Consumer Privacy Act)
- Privacy
Policy: Our
collection and use of personal information are governed by our Privacy
Policy, which is incorporated by reference into these Terms.
- Your
Rights:
California residents have certain rights under the CCPA, including the
right to know, the right to delete, and the right to opt-out of the sale
of personal information. Please refer to our Privacy Policy for more
information.
- No
Sale of Data:
While we do not "sell" your data in the traditional meaning of
selling, we do share data with business partners to provide quotes. Please
see our privacy policy for opt out details.
9.
Indemnification
You agree
to indemnify and hold harmless CoverageAdvantage and its affiliates, officers,
directors, and employees from any claims, damages, or expenses arising from
your use of our Site or your violation of these Terms.
10.
Governing Law
These
Terms shall be governed by and construed in accordance with the laws of the
State of IL, without regard to its conflict of law principles.
11. Changes
to Terms
We may
update these Terms from time to time. We will notify you of any changes by
posting the new Terms on this page. Your continued use of our Site after any
changes constitutes your acceptance of the new Terms.
12.
Contact Us
If you have
any questions about these Terms, please contact us at:
- Email:
contact@coverageadvantage.com
- Address:
3024 N Ashland Ave Chicago, IL 60657 PO Box 577962