Terms & Conditions

Coverage Cody is an independent insurance marketing and matching service. We help connect consumers with insurance companies, licensed insurance agents, brokers, agencies, and other insurance professionals that may be able to assist with their insurance needs.

Coverage Cody is not an insurance company, insurance carrier, insurance agency, insurance broker, or insurance provider. Coverage Cody does not directly sell, issue, underwrite, bind, administer, or guarantee insurance policies.

Coverage Cody does not make decisions regarding insurance eligibility, coverage, premiums, rates, exclusions, claims, cancellations, or policy terms.

Any insurance quote, recommendation, product, policy, or service you receive will be provided by an independent insurance provider or insurance professional—not Coverage Cody.

Submitting your information through the Site does not guarantee that:

• You will be matched with an insurance provider;
• You will receive an insurance quote;
• You will qualify for insurance coverage;
• A particular insurance product will be available;
• You will receive a lower rate or save money;
• An insurance provider will contact you; or
• Any insurance policy will meet your particular needs.

Insurance availability, pricing, eligibility, and policy terms are determined solely by the insurance providers and professionals with whom you may be matched.

You are responsible for reviewing all insurance documents, policy terms, exclusions, limitations, costs, and conditions before purchasing coverage.

The information provided on the Site is for general informational and marketing purposes only.

Nothing on the Site is intended to constitute insurance, financial, tax, legal, medical, or professional advice. Coverage Cody does not recommend or endorse a particular insurance carrier, agent, agency, policy, coverage amount, or insurance product unless expressly stated.

You should speak directly with a properly licensed insurance professional before making decisions regarding insurance coverage.

Coverage Cody makes no representation that information available on the Site is complete, accurate, current, or appropriate for your particular circumstances.

When you submit information through the Site, you represent that:

• The information you provide is accurate and complete to the best of your knowledge;
• You are at least 18 years old;
• You are submitting information for yourself or have permission to submit it for another person;
• You will not impersonate another person;
• You will not knowingly submit false, misleading, fraudulent, or unlawful information; and
• You have the right to provide the information submitted.

You are responsible for updating or correcting information that you discover is inaccurate.

Coverage Cody may refuse, remove, or disregard any submission that we believe is fraudulent, misleading, incomplete, unlawful, abusive, or otherwise inappropriate.

To provide our insurance-matching services, Coverage Cody may share, transfer, sell, or disclose information submitted through the Site to insurance companies, licensed insurance agents, brokers, agencies, call centers, lead buyers, marketing partners, or other insurance professionals.

Coverage Cody may receive compensation when information submitted through the Site is transferred to or used by an insurance provider or insurance professional.

By requesting to be matched, you understand that your information may be provided to one or more independent insurance professionals that may be able to assist you.

Our collection, use, and disclosure of personal information are further described in our Privacy Policy.

Where you provide the appropriate consent through the Site, Coverage Cody and the insurance providers or professionals with whom you are matched may contact you regarding your insurance inquiry.

Communications may be made by:

• Telephone call;
• Text message; or
• Email.

Depending on the consent you provide, communications may use automated dialing systems, prerecorded or artificial voices, or automated text-message technology where permitted by law.

Consent to receive marketing communications is not a condition of purchasing insurance.

Message and data rates may apply. Message frequency may vary.

You may opt out of text messages by replying "STOP" and may unsubscribe from marketing emails by following the unsubscribe instructions contained in the email.

Insurance providers and insurance professionals are independent third parties. You may need to submit a separate opt-out request to each company that contacts you.

Insurance companies, agents, brokers, agencies, call centers, and other professionals with whom you may be matched are independent third parties.

Coverage Cody does not own, operate, manage, or control these third parties and is not responsible for:

• Their products or services;
• Their licensing or appointment status;
• Their rates, quotes, or fees;
• Their eligibility or underwriting decisions;
• Their communications or sales practices;
• Their insurance recommendations;
• Their handling of your personal information;
• Their policy terms, exclusions, or limitations;
• Their claims decisions; or
• Any agreement or transaction between you and them.

You are responsible for confirming that any insurance professional you work with is properly licensed and authorized to offer the applicable insurance product in your location.

Any dispute involving an insurance policy, quote, product, agent, agency, or insurance carrier must be addressed directly with the applicable third party.

The Site and all original content made available by Coverage Cody, including its name, logo, branding, text, graphics, designs, website layout, and other materials, are the property of Coverage Cody or its licensors.

Such content is protected by applicable copyright, trademark, and other intellectual property laws.

You may not copy, reproduce, republish, distribute, modify, display, sell, license, or otherwise use Site content for commercial purposes without prior written permission from Coverage Cody.

You agree not to use the Site to:

• Violate any applicable law or regulation;
• Submit fraudulent, misleading, or inaccurate information;
• Impersonate another person or organization;
• Attempt to gain unauthorized access to the Site or its systems;
• Introduce viruses, malware, or harmful code;
• Interfere with the operation or security of the Site;
• Collect information about other Users without authorization;
• Send spam or other unauthorized communications;
• Copy or scrape Site content for commercial use; or
• Use the Site in a manner that could damage Coverage Cody or another person.

Coverage Cody may restrict or terminate access to the Site when we reasonably believe a User has violated these Terms.

The Site may contain links to websites and online resources that are not owned or controlled by Coverage Cody.

Coverage Cody has no control over and assumes no responsibility for the content, products, services, privacy practices, security, or general operations of third-party websites.

The inclusion of a link does not necessarily mean that Coverage Cody recommends or endorses the third party or its products and services.

We strongly encourage you to review the terms and conditions and privacy policy of every third-party website you visit.

The Site and Coverage Cody's services are provided on an "as is" and "as available" basis.

To the fullest extent permitted by law, Coverage Cody makes no warranties or representations, express or implied, regarding:

• The availability or operation of the Site;
• The accuracy or completeness of Site content;
• The availability of an insurance provider;
• The quality or suitability of an insurance product;
• The conduct of an insurance provider or insurance professional;
• The results of using our matching service; or
• Whether the Site will be uninterrupted, secure, or error-free.

Your use of the Site and reliance on any information obtained through it are at your own risk.

To the fullest extent permitted by law, Coverage Cody and its owners, employees, contractors, affiliates, and service providers will not be liable for any direct, indirect, incidental, special, consequential, punitive, or other damages arising from or related to:

• Your use of or inability to use the Site;
• Your reliance on information provided through the Site;
• Your communication or transaction with an insurance provider;
• An insurance quote, policy, denial, cancellation, claim, or coverage decision;
• Unauthorized access to or use of information submitted through the Site;
• Errors, interruptions, viruses, or technical problems; or
• The actions or omissions of any third party.

Some jurisdictions do not permit certain limitations of liability. In those jurisdictions, these limitations will apply only to the extent permitted by law.

You agree to defend, indemnify, and hold harmless Coverage Cody and its owners, employees, contractors, affiliates, and service providers from claims, damages, liabilities, losses, costs, and expenses arising from:

• Your use or misuse of the Site;
• Information you submit;
• Your violation of these Terms;
• Your violation of applicable law; or
• Your infringement of another person's rights.

Coverage Cody reserves the right to suspend or terminate your access to the Site at any time, with or without notice, if we believe you have violated these Terms, misused the Site, created a legal or security risk, or engaged in fraudulent or unlawful activity.

Provisions that by their nature should survive termination will remain effective after your access ends.

This Agreement will be governed and interpreted in accordance with the laws of the State of Arkansas, without regard to its conflict-of-law principles.

Any dispute arising from or relating to the Site or these Terms will be brought in a court with appropriate jurisdiction in the State of Arkansas, unless applicable law requires otherwise.

If any provision of this Agreement is found to be invalid, unlawful, or unenforceable, that provision will be enforced to the greatest extent permitted by law.

The remaining provisions will continue in full force and effect.

These Terms, together with our Privacy Policy and any consent language presented when you submit information, constitute the entire agreement between you and Coverage Cody regarding your use of the Site.

Coverage Cody reserves the right to modify these Terms of Service at any time.

We may make changes by posting an updated version of these Terms on the Site and revising the modification date shown at the top of this page.

Your continued use of the Site after changes are posted constitutes your acceptance of the updated Terms.

We encourage you to review this Agreement periodically. If you do not agree with any provision of this Agreement or any future changes, you should stop using the Site immediately.

If you have questions about this Agreement, please contact us at:

Coverage Cody
Email: coveragecody@gmail.com