Terms & Conditions

Last Updated: September 7, 2024

Welcome to TheCoverageProfessor

By using our website, you agree to the following terms. This agreement includes an arbitration clause and class action waiver, meaning you waive your right to a court hearing or jury trial and agree to resolve disputes through arbitration.

1. Products and Services
TheCoverageProfessor does not provide insurance or issue any policies. Any products or services linked from our site are the responsibility of the respective vendors and service providers.

2. Information Acceptance
Receiving a confirmation from us does not guarantee acceptance of your application. We reserve the right to accept or decline your request at our discretion.

3. Restrictions
You must be at least 18 years old to use our site. Do not use our site for illegal or inappropriate purposes.

4. Compliance With Laws
You agree to follow all applicable laws when using our site. We may report any suspected legal violations to authorities. If we investigate a potential violation, we may suspend your access to the site and remove any related content.

5. Intellectual Property
All content on our site, including trademarks, graphics, and text, is owned by TheCoverageProfessor or used with permission. You may view and copy materials for personal use but cannot distribute or display them without our written consent.

6. Limitation of Liability and Disclaimer of Warranties
We strive to provide accurate information but cannot guarantee it. Our site is provided "as is" without warranties of any kind. We are not liable for any damages resulting from your use of the site.

7. Third-Party Content
Our site may link to third-party websites. We are not responsible for their content or privacy practices.

8. Privacy
Our Privacy Policy, available at thecoverageprofessor.com/privacy, governs how we handle your personal information. By using our site, you agree to our Privacy Policy and any updates to it.

9. Security
We use secure technology to protect your data but cannot guarantee complete security from interception or access by others.

10. Site Use
TheCoverageProfessor may receive compensation from third parties for services provided. This does not affect your use of the site.

11. Law and Venue
Delaware law governs any legal actions related to our site. Any disputes must be resolved in Delaware courts. If any provision is invalid, the remaining provisions will still apply.

12. Referring Short Code
By providing your phone number, you consent to receive calls and messages from us and our partners. You are not required to consent to purchase goods or services. You can opt out by texting STOP.

13. Modification
We may update these Terms of Use. Continued use of our site means you accept the new terms.

14. Indemnification
You agree to indemnify TheCoverageProfessor and its affiliates from any claims or damages arising from your use of the site.

15. Agreement to Arbitrate
Any disputes related to your use of our site or services will be resolved through binding arbitration, not in court. Class actions are not permitted. The arbitration will be conducted by the American Arbitration Association.

16. Prohibition of Class and Representative Actions
Claims must be brought individually and not as part of a class action. The arbitrator cannot consolidate claims or provide relief affecting other users.

17. Arbitration Procedures
Arbitration will be conducted under the AAA’s rules. The arbitrator has exclusive authority to resolve disputes related to this agreement. Arbitration will be held in your county or another agreed location.

18. Costs of Arbitration
If your claim is $10,000 or less, we will cover the arbitration fees. For claims over $10,000, we will pay fees if the arbitration is prohibitively expensive. If the arbitrator finds your claim frivolous, you must reimburse us for fees.

19. Confidentiality
Arbitration proceedings and awards are confidential, except as required by law.

20. Severability
If any part of this agreement is invalid, the remaining terms still apply. If the class action waiver is invalid, the entire arbitration agreement will be void.

21. Violation of Terms
We may terminate your access to the site and remove any content if we believe you are violating these terms or the law.

22. Miscellaneous
These Terms of Use and our Privacy Policy constitute the entire agreement between us. Any failure to enforce a provision does not waive our right to enforce it in the future.

Contact Us
For questions about these terms or your insurance policy, contact us at:

Mailing Address:
TheCoverageProfessor.com
8 The Green
Dover, DE 19901

Email: contact@coverageprofessor.com