Terms of Service

1. Definitions

• "CoverIQ," "Company," "we," "us," or "our" means CoverIQ and its owners, operators, successors, and assigns.
• "Service" means the CoverIQ platform, APIs, mobile applications, and all related software and services.
• "User," "you," or "your" means any individual or entity accessing or using the Service, including agency owners, brokers, and administrators.
• "Agency Data" means all data you upload, input, or generate within the Service, including lead records, contact information, call recordings, and communications.
• "Third-Party Contacts" means the leads, clients, or prospects whose data you manage within the Service.
• "Subscription Plan" means the tier of service (Starter, Pro, or Agency) you have selected and are billed for.

2. Acceptance of Terms

By accessing or using the Service, clicking "I agree," completing registration, or otherwise manifesting assent, you agree to be legally bound by these Terms of Service ("Terms"), our Privacy Policy, and any additional policies referenced herein. These Terms constitute a binding contract between you and CoverIQ.

If you are accepting these Terms on behalf of a company or other legal entity, you represent and warrant that you have authority to bind that entity. If you do not have such authority, or if you do not agree with these Terms, you must not access or use the Service.

3. Description of Service

CoverIQ is a cloud-based customer relationship management (CRM) platform designed exclusively for life insurance professionals. The Service includes lead management, pipeline tracking, SMS campaigns, VoIP calling via Twilio, AI-powered tools (via OpenAI), drip sequences, reporting, and related features as made available from time to time.

We reserve the right to modify, suspend, or discontinue any feature of the Service at any time with or without notice. We will make commercially reasonable efforts to notify you of material changes via email or in-platform notification.

4. Account Registration and Security

• You must provide accurate, complete, and current registration information and keep it updated.
• You are responsible for maintaining the confidentiality of your login credentials. You must not share your account with any third party.
• You are solely responsible for all activity that occurs under your account, whether or not authorized by you.
• You must notify us immediately at support@coveriq.com of any unauthorized use of your account or any other security breach.
• Accounts are granted on an invitation or approval basis. We reserve the right to refuse registration at our sole discretion.
• You may not create accounts using automated means or under false pretenses.

5. Subscription, Billing, and Payments

We offer a 14-day free trial for new agency accounts. No credit card is required during the trial. At the end of the trial period, continued use of the Service requires a paid Subscription Plan. Trial accounts that are not converted to paid plans will have access suspended.

Billing. Subscriptions are billed in advance on a monthly basis through Stripe. By providing payment information, you authorize us to charge the applicable fees for your selected plan on a recurring basis until you cancel.

Cancellation. You may cancel your subscription at any time through the Billing settings within the platform or by contacting us. Cancellation takes effect at the end of the current billing period. We do not provide refunds for partial billing periods, except where required by applicable law.

Price Changes.We reserve the right to modify pricing at any time. We will provide at least 30 days' advance notice of price increases. Your continued use after the effective date constitutes acceptance of the new pricing.

Late Payments. Accounts with failed or overdue payments may be suspended without notice. Reactivation requires payment of all outstanding amounts.

Taxes. All fees are exclusive of applicable taxes. You are responsible for any sales tax, use tax, VAT, or similar taxes that may apply to your purchase.

6. Acceptable Use Policy

You agree to use the Service only for lawful purposes and in accordance with these Terms. You agree not to:

• Send unsolicited, deceptive, or spam SMS messages or emails in violation of the TCPA, CAN-SPAM Act, or any applicable federal, state, or local law;
• Contact any individual who has opted out, revoked consent, or is on a Do-Not-Call registry;
• Use the Service for any illegal activity, including insurance fraud, money laundering, or unauthorized practice of law;
• Upload or process data you do not have legal authority to use;
• Attempt to gain unauthorized access to any part of the Service, its systems, or networks;
• Reverse-engineer, decompile, disassemble, or attempt to derive the source code of the Service;
• Introduce malware, viruses, Trojan horses, or other malicious code;
• Use automated bots, scrapers, or scripts to access the Service in a manner that exceeds normal usage;
• Impersonate any person or entity, or misrepresent your affiliation with any person or entity;
• Violate any applicable insurance licensing laws, regulations, or codes of conduct in your jurisdiction;
• Use AI-generated content from the Service without human review, particularly for compliance-sensitive communications;
• Resell, sublicense, or make the Service available to third parties without our written consent.

Violation of this Acceptable Use Policy may result in immediate account suspension or termination, without refund, in addition to any other remedies available to us.

7. TCPA and SMS Compliance — Your Responsibility

You are solely and exclusively responsible for ensuring that all SMS messages, calls, and other communications sent through the Service comply with the Telephone Consumer Protection Act (TCPA), 47 U.S.C. § 227, the CAN-SPAM Act, the FTC Telemarketing Sales Rule, and all applicable state and local laws and regulations, including state do-not-call lists, state-level TCPA analogues, and consent requirements.

You represent and warrant that:

• You have obtained all legally required prior express written consent from each Third-Party Contact before sending automated SMS messages or using an automatic telephone dialing system;
• You maintain accurate and complete records of all consents obtained and will produce such records upon request;
• You honor all opt-out requests promptly and permanently, including STOP replies, verbal revocations, and written revocations;
• You comply with all applicable carrier messaging guidelines, including A2P 10DLC registration requirements;
• All calling and texting is done in connection with legitimate insurance business activities by properly licensed individuals.

TCPA violations can result in statutory damages of $500–$1,500 per violation. CoverIQ is not liable for any TCPA violations, FCC enforcement actions, class action lawsuits, regulatory fines, carrier suspension, or any other consequence arising from your use of communication features. You agree to fully indemnify CoverIQ for any claims arising from your TCPA non-compliance. See Section 14 (Indemnification).

8. AI Features and Generated Content

CoverIQ uses OpenAI and other AI services to provide lead scoring, call analysis, message drafting, and other AI-powered features. You acknowledge and agree that:

• AI-generated content is provided for informational and productivity purposes only and must be reviewed and verified by a qualified human before use;
• CoverIQ makes no warranty regarding the accuracy, completeness, reliability, or suitability of any AI-generated output;
• AI-generated insurance scripts, objection responses, or policy recommendations do not constitute professional insurance advice and should not be relied upon as such;
• You are solely responsible for any content you send using AI-generated suggestions, including compliance with TCPA and applicable advertising and solicitation laws;
• Call recordings and transcripts processed by AI are subject to applicable wiretapping and recording consent laws, which vary by state. You are responsible for obtaining all required consents before recording calls.

9. Insurance Regulatory Disclaimer

CoverIQ is a technology platform, not an insurance company, insurance agent, broker, or advisor. We do not provide insurance, financial, legal, or actuarial advice. Nothing in the Service constitutes a recommendation regarding any specific insurance product or carrier.

You are solely responsible for ensuring that your use of the Service complies with all applicable insurance regulations, including but not limited to: state licensing requirements, approved advertising and solicitation requirements, replacement regulations, suitability standards, and disclosure requirements. CoverIQ is not responsible for any regulatory action, license suspension, or enforcement action arising from your use of the Service.

10. Data Ownership, License, and Processing

Your Data. You retain full ownership of all Agency Data. By using the Service, you grant CoverIQ a limited, non-exclusive, worldwide, royalty-free license to process, store, display, and transmit your Agency Data solely to the extent necessary to provide and improve the Service for you.

No AI Training. We do not use your Agency Data to train AI models or share it with third parties except as described in our Privacy Policy and Section 11 below.

Your Responsibility for Third-Party Contact Data. You represent and warrant that you have the legal right to upload, store, and process all Third-Party Contact data entered into the Service, and that such processing complies with all applicable privacy laws including CCPA, GDPR (if applicable), and applicable state privacy statutes.

Data Portability and Deletion. You may export your Agency Data at any time using the built-in export feature. Upon account termination, you have 30 days to request an export. After that period, data may be permanently deleted.

11. Third-Party Services and Sub-Processors

The Service integrates with the following third-party services ("Sub-Processors") to deliver functionality. Your use of the Service constitutes acknowledgment and acceptance of these integrations:

CoverIQ is not responsible for the acts, omissions, or downtime of any third-party service. Each third party is governed by its own terms and privacy policy.

12. Intellectual Property

CoverIQ and its licensors own all intellectual property rights in the Service, including all software, designs, trademarks, service marks, trade names, logos, algorithms, and documentation. Nothing in these Terms transfers any ownership of CoverIQ's intellectual property to you.

You may not copy, modify, distribute, sell, sublicense, reverse-engineer, or create derivative works based on the Service or any part of it without our express prior written consent. Any feedback, suggestions, or ideas you provide about the Service may be used by us without obligation to compensate you.

13. Confidentiality

Each party agrees to maintain in confidence any non-public information of the other party that is designated as confidential or that reasonably should be understood to be confidential given the nature of the information and circumstances of disclosure ("Confidential Information"). This obligation does not apply to information that: (a) is or becomes publicly available without breach of these Terms; (b) was independently known to the receiving party prior to disclosure; (c) is required to be disclosed by law or court order.

14. Indemnification

You agree to defend, indemnify, and hold harmlessCoverIQ and its officers, directors, employees, contractors, agents, and successors from and against any and all claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys' fees and court costs) arising out of or relating to:

• Your use or misuse of the Service;
• Your violation of these Terms or any applicable law or regulation;
• Your TCPA, CAN-SPAM, or other communications law violations;
• Any claim that your Agency Data or communications infringes any third-party intellectual property, privacy, or other right;
• Your violation of any insurance licensing law or regulation;
• Your negligence, fraud, or willful misconduct;
• Any claim by a Third-Party Contact arising from your use of the Service.

We reserve the right to assume exclusive defense and control of any matter subject to indemnification by you, at your expense. You will cooperate fully in asserting any available defenses.

15. Disclaimers of Warranty

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTY OF ANY KIND, EXPRESS OR IMPLIED. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, COVERIQ EXPRESSLY DISCLAIMS ALL WARRANTIES, INCLUDING BUT NOT LIMITED TO:

• Implied warranties of merchantability, fitness for a particular purpose, and non-infringement;
• Warranties that the Service will be uninterrupted, error-free, or secure;
• Warranties regarding the accuracy, reliability, or completeness of any data, AI output, or content;
• Warranties that any defects will be corrected;
• Warranties arising from course of dealing or usage of trade.

No oral or written information obtained from CoverIQ creates any warranty not expressly stated in these Terms.

16. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW:

• IN NO EVENT SHALL COVERIQ BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO: LOST PROFITS, LOST REVENUE, LOSS OF DATA, LOSS OF GOODWILL, BUSINESS INTERRUPTION, COST OF SUBSTITUTE GOODS OR SERVICES, OR ANY OTHER INTANGIBLE LOSSES;
• COVERIQ'S TOTAL AGGREGATE LIABILITY TO YOU FOR ALL CLAIMS ARISING OUT OF OR RELATED TO THE SERVICE OR THESE TERMS SHALL NOT EXCEED THE GREATER OF: (A) THE TOTAL AMOUNT ACTUALLY PAID BY YOU TO COVERIQ IN THE TWELVE (12) MONTHS IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO THE CLAIM, OR (B) ONE HUNDRED DOLLARS ($100);
• THESE LIMITATIONS APPLY REGARDLESS OF THE THEORY OF LIABILITY (CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY, OR OTHERWISE), EVEN IF COVERIQ HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

Some jurisdictions do not allow the exclusion or limitation of incidental or consequential damages, so the above limitations may not apply to you to the extent prohibited by applicable law.

17. Force Majeure

CoverIQ shall not be liable for any delay or failure to perform resulting from causes beyond our reasonable control, including but not limited to: acts of God, natural disasters, pandemic or epidemic, war, terrorism, riots, embargoes, acts of civil or military authorities, fire, floods, accidents, network infrastructure failures, strikes, or shortages of transportation, fuel, energy, labor, or materials.

18. Termination

By You. You may terminate your account at any time by cancelling your subscription and ceasing use of the Service. Cancellation does not entitle you to a refund of any prepaid fees.

By Us. We may suspend or terminate your access to the Service at any time, with or without cause, with or without notice, including for: violation of these Terms, non-payment, illegal activity, harmful behavior, or any reason in our sole discretion. Upon termination for cause, we are not obligated to provide a refund.

Effect of Termination. Upon termination: (a) all licenses granted to you immediately cease; (b) you must cease all use of the Service; (c) we may delete your Agency Data after a 30-day grace period unless prohibited by law. Sections 7, 12, 13, 14, 15, 16, 18, 19, 20, and 21 survive termination.

19. Dispute Resolution — Binding Arbitration and Class Action Waiver

Informal Resolution. Before initiating arbitration, you agree to first contact us at support@coveriq.com and attempt to resolve the dispute informally. We will attempt to resolve the dispute within 30 days of receiving notice.

Binding Arbitration.If we cannot resolve the dispute informally, you and CoverIQ agree to resolve any claim, dispute, or controversy arising out of or relating to these Terms or the Service through binding individual arbitration, rather than in court, except as set forth below. The arbitration shall be conducted by the American Arbitration Association (AAA) under its Consumer Arbitration Rules, or JAMS under its Streamlined Arbitration Rules, at CoverIQ's election. Arbitration will take place in Michigan, or by telephone/video conference.

CLASS ACTION WAIVER.YOU AND COVERIQ EACH AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN AN INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, COLLECTIVE, CONSOLIDATED, PRIVATE ATTORNEY GENERAL, OR REPRESENTATIVE PROCEEDING. The arbitrator may not consolidate more than one person's claims and may not preside over any class or representative proceeding. If this class action waiver is found unenforceable, then the entirety of this arbitration provision shall be null and void.

Exceptions. Either party may seek emergency injunctive or other equitable relief from a court of competent jurisdiction to prevent actual or threatened infringement, misappropriation, or violation of intellectual property rights. Small claims court actions (within applicable jurisdictional limits) are also exempt from arbitration.

Opt-Out. You may opt out of this arbitration agreement by sending written notice to support@coveriq.com within 30 days of first accepting these Terms. Opting out does not affect any other provision of these Terms.

20. Governing Law and Jurisdiction

These Terms are governed by and construed in accordance with the laws of the State of Michigan, without regard to conflict of law principles. For any claims not subject to arbitration, you consent to the exclusive personal jurisdiction and venue of the state and federal courts located in Michigan.

21. General Provisions

• Entire Agreement. These Terms, together with the Privacy Policy and any other policies expressly incorporated by reference, constitute the entire agreement between you and CoverIQ regarding the Service and supersede all prior agreements and understandings.
• Severability. If any provision of these Terms is found to be invalid or unenforceable, that provision will be enforced to the maximum extent permissible, and the remaining provisions will remain in full force and effect.
• Waiver. Our failure to enforce any right or provision of these Terms will not be considered a waiver of those rights.
• No Agency. Nothing in these Terms creates any agency, partnership, joint venture, or employment relationship between you and CoverIQ.
• Assignment. You may not assign your rights or obligations under these Terms without our prior written consent. We may assign these Terms in connection with a merger, acquisition, or sale of all or substantially all of our assets.
• Notices. Legal notices to CoverIQ must be sent by email to support@coveriq.com with "Legal Notice" in the subject line. We may provide notices to you at the email address on your account.
• Headings. Section headings are for convenience only and have no legal effect.

22. Changes to Terms

We reserve the right to modify these Terms at any time. For material changes, we will provide at least 30 days' advance notice via email to the address on your account or through an in-platform banner. Non-material changes (such as clarifications, corrections, or additions required by law) may take effect immediately.

Your continued use of the Service after the effective date of any changes constitutes acceptance of the updated Terms. If you do not agree to the updated Terms, you must stop using the Service and may cancel your subscription.

23. Contact

For questions, notices, or concerns about these Terms: