Terms of Service

These Terms of Service govern your use of [DOMAIN], operated by [LEGAL ENTITY NAME], LLC d/b/a CoverFind ("CoverFind," "we," "us"). By using the site, you agree to these terms.

Educational content only

CoverFind publishes general educational information about insurance. We are not an insurance agency, broker, producer, or carrier. We do not sell, solicit, or bind insurance, we do not recommend specific insurers or policies, and nothing on the site is insurance, legal, tax, or financial advice. Coverage rules and pricing vary by state and insurer — always confirm details with a licensed professional or your insurer before making decisions.

Tools and calculators

Our calculators produce illustrative estimates based only on the numbers you enter. They are not offers of coverage or pricing, and results may differ from what any insurer would offer.

Updates and text messages

If you sign up for email or text updates, you agree to receive them as described at sign-up. Text messaging is governed by our SMS Terms & Conditions, which are part of these terms. Consent to receive texts is optional and not required to use any part of the site.

Acceptable use

You agree not to misuse the site, interfere with its operation, attempt unauthorized access, or scrape content in a way that burdens our systems.

Intellectual property

Site content, design, and the CoverFind name are owned by [LEGAL ENTITY NAME], LLC d/b/a CoverFind or its licensors. Photographs are used under the Unsplash License. You may share links and brief excerpts with attribution.

Disclaimers and limitation of liability

The site is provided "as is" without warranties of any kind. To the fullest extent permitted by law, CoverFind is not liable for any indirect, incidental, or consequential damages arising from your use of the site or reliance on its content.

Governing law

These terms are governed by the laws of the state in which [LEGAL ENTITY NAME], LLC is organized, without regard to conflict-of-law rules.

Changes

We may update these terms and will post changes on this page with a new effective date.

Contact

[LEGAL ENTITY NAME], LLC d/b/a CoverFind, [STREET ADDRESS], [CITY, STATE ZIP] · support@[DOMAIN] · [BUSINESS PHONE NUMBER]