Terms of Service

These Terms of Service (“Terms”) govern access to and use of Coverly’s quote, lead-routing, partner-dashboard, API, embed, notification, and related software services (collectively, the “Services”). By using the Services, creating an account, submitting information through a quote flow, or authorizing an integration, you agree to these Terms. If you use the Services for an organization, you represent that you can bind that organization.

Some partner, carrier, enterprise, or paid features may have an order form or written agreement with additional terms. If those terms conflict with these Terms, the applicable written agreement controls for that customer or feature.

Coverly provides software that collects quote inputs, presents or compares insurance options, qualifies lead intent, routes leads to participating partners or carriers, supports partner-branded quote experiences, and provides dashboards, APIs, webhooks, notifications, and related workflow tools. Features can vary by product, plan, geography, carrier connection, and account configuration.

Coverly is a technology service. Unless a written agreement expressly says otherwise, Coverly is not an insurer, does not underwrite or issue a policy, and does not guarantee that a carrier, broker, or other partner will offer coverage or contact a lead.

You are responsible for the accuracy of account information, the people you authorize to use an account, and activity performed through your credentials. Keep magic-link emails, dashboard access, API keys, webhook secrets, and other credentials confidential; do not share them with unauthorized people or place them in public code or repositories.

Tell Coverly promptly if you suspect unauthorized access, a compromised key, or inaccurate account information. Coverly may rotate, revoke, suspend, or limit credentials when reasonably needed to protect the Services, an account, or lead data.

You may use the Services only for lawful business or personal purposes and in accordance with these Terms. You must not:

• abuse, disrupt, overload, probe, reverse engineer, or interfere with the Services, or scrape them outside an expressly permitted API or export;
• share, sell, transfer, or expose account credentials, API keys, webhook secrets, or magic links to unauthorized users;
• circumvent rate limits, access controls, security features, plan limits, attribution controls, or other technical restrictions;
• impersonate a person, organization, carrier, or partner, misrepresent an affiliation, or use Coverly to send deceptive or unlawful communications; or
• access, copy, export, disclose, or use lead data without authorization or for a purpose that violates applicable privacy, insurance, marketing, or data-protection law.

Partners are responsible for their business, content, campaigns, integrations, and treatment of leads. A partner must:

• maintain all licenses, appointments, registrations, permissions, and authorizations required for the insurance products and jurisdictions it serves;
• obtain appropriate end-user consent and provide required privacy, marketing, call, text, email, and recording notices before collecting or contacting a lead;
• use truthful, clear, and non-misleading marketing and quote explanations;
• follow carrier instructions, underwriting rules, insurance regulations, consumer-protection requirements, and other applicable law; and
• secure API keys and other integration credentials, limit internal access, and promptly revoke or rotate compromised credentials.

Coverly does not replace a partner’s compliance program or professional judgment. Partners decide whether and how to contact a lead and remain responsible for their representations and advice.

Quote results, premiums, eligibility indicators, AI scores, plan comparisons, and other outputs may be estimated, simulated, incomplete, delayed, or based on information supplied by a user or a carrier connection. They are not a binder, application approval, policy, coverage confirmation, or promise of a particular rate.

Actual availability, price, benefits, exclusions, underwriting, effective date, and eligibility are determined by the applicable carrier or licensed professional under its rules and the law of the relevant jurisdiction. Review official policy documents and ask a licensed professional questions before making a coverage decision. Coverly does not provide legal, tax, medical, or financial advice.

Fees, usage limits, billing cadence, included features, and any trial terms are stated in the applicable pricing page, order form, or partner agreement. You are responsible for accurate billing information, authorized charges, applicable taxes, and fees incurred by your account. A trial or promotional feature may change or end as described at signup or in the applicable offer.

Either party may end a Services relationship as permitted by the applicable agreement. Coverly may suspend or terminate access for nonpayment, material breach, security risk, unlawful use, or where continued service would violate law. On termination, access may stop and information will be handled as described in the Privacy Policy and any applicable written agreement.

Coverly and its licensors retain all rights in the Services, software, designs, documentation, workflows, interfaces, trademarks, and related technology. Subject to these Terms and any order form, Coverly grants you a limited, non-exclusive, non-transferable, revocable right to use the Services during the applicable subscription or authorization period.

You retain rights in information and materials you submit, subject to the licenses needed for Coverly and its providers to operate the Services. You grant Coverly permission to host, process, transmit, display, and modify those materials as needed to provide the Services, maintain security, and comply with law. Feedback may be used without restriction or payment.

Coverly may perform maintenance, make product or security changes, retire features, adjust limits, or change a provider. We will use reasonable operational judgment to keep the Services available, but uninterrupted or error-free operation is not guaranteed unless an applicable written SLA says otherwise. Support channels and response targets may differ by plan.

Documentation, examples, and public pages are provided for general guidance and may not describe every account configuration. If a change materially affects a paid feature, the applicable order form or customer agreement governs any notice, transition, credit, or termination right.

To the fullest extent permitted by law, the Services and all outputs are provided “as is” and “as available,” without warranties except those expressly stated in an applicable written agreement. Coverly disclaims implied warranties of merchantability, fitness for a particular purpose, title, non-infringement, accuracy, and uninterrupted availability. Nothing in these Terms removes a warranty or consumer right that applicable law does not allow us to exclude.

Liability cap. To the fullest extent permitted by law, Coverly’s aggregate liability arising out of or related to the Services, these Terms, or any output will not exceed the applicable agreed cap: the fees paid or payable by the affected customer for the 12 months before the event giving rise to the claim, or the approved minimum amount stated in the applicable order form, as applicable.

To the fullest extent permitted by law, Coverly will not be liable for indirect, incidental, special, consequential, exemplary, or punitive damages, or for lost profits, revenue, business, goodwill, data, or expected savings. The cap and exclusions do not apply to liability that cannot legally be limited or excluded, including fraud, willful misconduct, death or personal injury caused by negligence, or other mandatory legal carve-outs.

These Terms are governed by the laws of [STATE / JURISDICTION TO BE CONFIRMED], without regard to conflict-of-law rules. The parties agree that courts located in [STATE / JURISDICTION TO BE CONFIRMED] will have the agreed venue, subject to any mandatory law or applicable customer agreement.

This jurisdiction and venue language is intentionally a pending business and legal placeholder. It must be confirmed before these Terms are relied on as a final contract.

Questions about the Services or these Terms can be sent to coverly-8@polsia.app. Please include the account or organization name and avoid sending passwords or API keys by email.