Terms and Conditions

This agreement includes an Arbitration Agreement and Class Action Waiver, which means you give up your right to a court hearing, jury trial, or participation in class actions. Arbitration is required as the exclusive method of resolving disputes unless specified otherwise or you choose to opt-out.

1. About Coverage Buddy LLC

Coverage Buddy LLC ("we" or "our") owns and operates the website CoverageBuddy.com (the "Site"). By accessing or using the Site, you agree to these Terms of Use, including all associated terms, conditions, and policies, without modification.

2. Products and Services

Coverage Buddy LLC is not an insurance provider or lender. We simply provide access to products and services that are the responsibility of third-party vendors. Any product or service offered through our Site or partners remains under the control of the respective vendor.

3. Information Acceptance Policy

Receiving confirmation of your application does not guarantee acceptance of your request for an insurance policy. Coverage Buddy LLC reserves the right to accept or decline your request for any reason and is not responsible for applications that are unsuccessful due to ineligibility.

4. Restrictions

You must be 18 or older to use the Site. You agree not to engage in any illegal or inappropriate behavior while using the Site.

5. Compliance With Laws

You agree to comply with all relevant laws and regulations related to your use of the Site. Coverage Buddy LLC may report any legal violations to authorities. If we suspect any violation of these Terms or our Privacy Policy, we may suspend your access and investigate.

6. Intellectual Property

All intellectual property on the Site, including trademarks, graphics, and software, is owned by Coverage Buddy LLC or its partners. You may view and print materials for personal, non-commercial use, but may not redistribute or display them without written permission from Coverage Buddy LLC.

7. Limitation of Liability and Disclaimer

While we strive for accuracy, Coverage Buddy LLC makes no guarantees about the accuracy, reliability, or results of the content on this Site. The Site is provided "AS IS," without warranties of any kind. We are not liable for any damages arising from your use of the Site.

8. Third-Party Content

The Site may link to third-party websites, but Coverage Buddy LLC is not responsible for the content or privacy practices of those sites. A link does not imply endorsement.

9. Privacy

Coverage Buddy LLC's Privacy Policy governs the use of your personal information. By using the Site, you consent to the Privacy Policy. We reserve the right to update it, and by continuing to use the Site, you accept the new terms.

10. Security

We use secure technology to protect your personal data, but cannot guarantee that it won't be intercepted by third parties. You acknowledge and accept this risk.

11. Site Use

Coverage Buddy LLC is not your agent or the agent of any insurance provider. We may receive compensation from third parties unrelated to your use of the Site.

12. Governing Law

This agreement is governed by the laws of the State of Delaware. Any legal actions related to this agreement must be brought in the state or federal courts located in Delaware.

13. Telephone Consumer Protection Act (TCPA)

By providing your phone number, you consent to receiving automated calls, prerecorded messages, and text messages related to Coverage Buddy LLC's services and from marketing partners. Message and data rates may apply. To opt-out, text "STOP."

14. Modifications

We reserve the right to change these Terms of Use at any time. By continuing to use the Site after changes are made, you agree to the updated terms.

15. Indemnification

By using the Site, you agree to indemnify Coverage Buddy LLC and its affiliates against any claims, damages, or losses arising from your use of the Site, including third-party claims.

16. Agreement to Arbitrate

Any disputes arising from your use of the Site or related services will be resolved through binding arbitration, rather than in court. You agree to waive your right to participate in class actions or representative actions.

17. Arbitration Procedures

The arbitration will be conducted by the American Arbitration Association (AAA). The rules are available on the AAA website at adr.org. If the dispute involves $10,000 or less, it may be handled by telephone or written submissions.

18. Confidentiality

Arbitration proceedings and outcomes must remain confidential, except as required by law or to enforce the arbitration decision.

19. Severability

If any part of this agreement is found to be unenforceable, the rest of the agreement remains in effect. If the class action waiver is invalid, the entire arbitration agreement becomes void.

20. Violation of Terms

Coverage Buddy LLC may suspend or terminate your access to the Site if you violate these Terms or the Privacy Policy.

21. Miscellaneous

These Terms of Use represent the full agreement between you and Coverage Buddy LLC. If any provision is invalid, it does not affect the rest of the agreement. Any failure to enforce these terms does not waive our rights.

22. Contact Information

If you have any questions or concerns about these Terms, please contact us at:
Email: [email protected]