Terms of Service

1. Acceptance of Terms

By accessing or using CoverGuard (“the Platform”), you agree to be bound by these Terms of Service (“Terms”), our Privacy Policy, and any supplemental terms presented during registration. If you do not agree to these Terms, do not use the Platform. These Terms apply to all visitors, users, and others who access or use the Platform.

2. Description of Service

CoverGuard provides property risk intelligence and insurance information tools for home buyers, home sellers, real estate agents, lenders, and insurance professionals. The Platform aggregates publicly available data from sources including FEMA, USGS, Cal Fire, and FBI Crime Data to provide risk assessments, insurance cost estimates, and carrier availability information.

3. Informational Use Only

All information provided on CoverGuard is for informational and educational purposes only. Nothing on the Platform constitutes:

• A binding insurance quote, offer, or contract
• Professional insurance, financial, or legal advice
• A guarantee of coverage availability or pricing
• An endorsement of any particular insurance carrier or product

You should consult a licensed insurance professional before making any insurance or real estate decision.

4. Insurance Services, Quote Requests & Compensation

CoverGuard is not a licensed insurance agent, broker, or carrier. When you submit a quote request through the Platform, it goes to CoverGuard's brokerage team, which works with licensed insurance partners to approach insurers that may write coverage for the property.

A quote request is a request only. Nothing on the Platform or in any message from us — including a modeled premium or cost estimate, a carrier shown as writing in a market, or the confirmation of your request — is a quote, a price, a binder, or a promise of coverage until an insurer confirms it in writing.

CoverGuard does not currently bind insurance policies or collect premiums. If in future a policy is placed through CoverGuard or one of its licensed insurance partners, CoverGuard or that partner may be compensated by the insurer (for example, by a commission or referral fee). We will tell you before you proceed.

5. AI Features

The CoverGuard Advisor and some other features of the Platform are AI-assisted: they use AI models to explain results, answer questions, and suggest next steps. AI output can be incomplete or wrong, is provided for information only, and is not insurance, financial, or legal advice. Check anything important with a licensed professional before you rely on it.

The CoverGuard Score is not generated by AI. It is computed by a deterministic scoring engine from measured data; the CoverGuard Advisor explains it but never decides it. What you send to AI features is processed as described in our Privacy Policy.

6. User Accounts & Authentication

You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account. You agree to: (a) create only one account per individual; (b) provide accurate, current, and complete registration information; (c) use a strong, unique password of at least eight characters; (d) enable multi-factor authentication where available; and (e) notify us immediately at security@coverguard.io upon discovering any unauthorized use or suspected compromise of your account. CoverGuard is not liable for any loss or damage arising from your failure to maintain account security.

7. Subscriptions, Billing, Cancellation & Refunds

(a) Paid plans. Some features require a paid subscription or a one-time purchase. The price, the billing interval (monthly or annual) and, for team plans, the number of seats are shown before you pay. Payments are processed by Stripe; we never see or store your full card number. Prices do not include taxes, which you are responsible for where they apply.

(b) Automatic renewal. A subscription renews automatically at the end of each billing period, and the renewal is charged to the payment method on file, until you cancel it.

(c) Cancel anytime. You can cancel at any time from Account → Subscription. Cancellation takes effect at the end of the current billing period: you keep your plan until then and are not charged again. You can reactivate before the period ends. Apart from the guarantee in (e), we do not refund the unused part of a billing period.

(d) Changing plans or seats. An upgrade, downgrade or change in the number of seats takes effect immediately, and the charge or credit for the rest of the billing period is prorated. The prorated amount is shown before you confirm. If a team plan has fewer seats than members, the members over the limit lose the plan’s features until a seat is free.

(e) 30-day money-back guarantee. If you are not satisfied with your first paid subscription, email support@coverguard.io within 30 days of its first payment and we will refund that payment in full, to the original payment method, and end the subscription. The guarantee applies once per customer, to the first payment of a subscription, and not to renewals or one-time purchases.

(f) One-time purchases. A one-time purchase, such as an expanded property Record, does not renew and cannot be transferred. If a purchase comes with a complimentary plan period, that period ends on its own unless you choose to renew it, in which case it is billed as a subscription under these terms. A refunded purchase removes access to what was bought and ends any complimentary period that came with it.

(g) Failed payments. If a payment fails, we will tell you and retry it, and you keep access while the retries continue. If the payment still cannot be collected, the subscription ends and paid features stop.

(h) Price changes. We may change our prices. A new price applies to an existing subscription only from a renewal after we have given you notice, so you can cancel before it applies.

(i) Deleting your account. Deleting your account cancels any subscription immediately, without a refund for the rest of the billing period, except as stated in (e).

8. Acceptable Use

You agree not to:

• Use the Platform for any unlawful purpose or in violation of any applicable laws or regulations
• Systematically scrape, crawl, extract, or redistribute data from the Platform through automated means
• Resell, sublicense, or commercialize any data obtained from the Platform without our prior written consent
• Attempt to reverse-engineer, decompile, or circumvent any security measures, access controls, or technical protections
• Probe, scan, or test the vulnerability of the Platform or any connected system or network
• Introduce malicious code, viruses, or any other harmful technology
• Use the Platform to harass, harm, or discriminate against any individual
• Impersonate any person or entity, or misrepresent your affiliation with any person or entity
• Share, transfer, or otherwise make your account credentials available to any other person

Violation of this Acceptable Use policy may result in immediate suspension or termination of your account, and we reserve the right to report violations to applicable law enforcement authorities.

9. Data Accuracy

CoverGuard makes reasonable efforts to provide accurate and current information, but makes no warranties or representations regarding the accuracy, completeness, or timeliness of any data on the Platform. Risk scores and insurance estimates are derived from third-party data sources that may be incomplete, outdated, or inaccurate for specific locations. You acknowledge that all data is provided for informational purposes and should be independently verified before making any decision.

10. Confidentiality & Data Protection

We treat all non-public information you provide through the Platform as confidential and handle it in accordance with our Privacy Policy. You agree to treat all proprietary data, risk scoring methodologies, carrier intelligence, and non-public information made available to you through the Platform as confidential and to not disclose such information to any third party without our prior written consent.

11. Intellectual Property

The Platform and its original content, features, functionality, risk scoring algorithms, and data models are owned by CoverGuard, Inc. and are protected by copyright, trademark, trade secret, and other intellectual property laws. You may not reproduce, distribute, modify, or create derivative works without our express written permission. You retain ownership of any data you submit to the Platform, and grant us a limited license to use that data solely to provide and improve the Platform.

12. Service Availability

We use commercially reasonable efforts to maintain the availability of the Platform. However, we do not guarantee uninterrupted or error-free access. The Platform may be temporarily unavailable due to scheduled maintenance, system upgrades, or circumstances beyond our reasonable control. We will make reasonable efforts to provide advance notice of planned downtime when feasible.

13. Limitation of Liability

To the fullest extent permitted by applicable law, CoverGuard, Inc., its officers, directors, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, goodwill, or other intangible losses, arising from your use of or inability to use the Platform, even if advised of the possibility of such damages. In no event shall our total aggregate liability exceed the greater of (a) the amounts paid by you to CoverGuard in the twelve (12) months preceding the claim, or (b) one hundred dollars ($100).

14. Disclaimer of Warranties

The Platform is provided on an “AS IS” and “AS AVAILABLE” basis without any warranties of any kind, express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, non-infringement, or accuracy of data. CoverGuard does not warrant that the Platform will be secure, error-free, or available at all times.

15. Indemnification

You agree to indemnify, defend, and hold harmless CoverGuard, Inc. and its officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses (including reasonable attorneys' fees) arising out of or related to: (a) your use of or access to the Platform; (b) your violation of these Terms; (c) your violation of any third-party right, including any intellectual property or privacy right; or (d) any claim that your actions caused damage to a third party.

16. Termination

We reserve the right to terminate or suspend your account and access to the Platform at our sole discretion, with or without notice, for conduct that we believe violates these Terms, is harmful to other users or the Platform, or for any other reason. Upon termination, your right to use the Platform ceases immediately. You may delete your account at any time through Account Settings. Sections 3, 4, 5, 7, 10, 11, 13, 14, 15, 17, and 18 survive termination of these Terms.

17. Governing Law & Dispute Resolution

These Terms are governed by the laws of the State of Delaware, without regard to conflict of law principles. Any dispute arising out of or relating to these Terms or the Platform shall first be submitted to good-faith mediation. If mediation is unsuccessful, disputes shall be resolved in the state or federal courts located in Wilmington, Delaware, and you consent to the exclusive jurisdiction of those courts.

18. Changes to Terms

We reserve the right to modify these Terms at any time. When we make a material change we update the “Last updated” date and ask you to review and accept the revised Terms the next time you sign in. Your continued use of the Platform after the effective date of any changes constitutes acceptance of the revised Terms. If you do not agree to the updated Terms, you must discontinue use of the Platform.

19. Severability

If any provision of these Terms is held to be invalid or unenforceable, the remaining provisions shall continue in full force and effect. The invalid or unenforceable provision shall be modified to the minimum extent necessary to make it valid and enforceable.

20. Contact us

If you have questions about these Terms, please contact us at legal@coverguard.io.