Terms of Service

2. Description of Services

CoverDad provides:

• Educational content about life insurance
• Free coverage calculator tools
• Informational guides and resources
• Connections to trusted insurance carriers through our licensed agency partnerships

Important: CoverDad is a licensed insurance agency. We connect customers with life insurance carriers and receive commissions on policies purchased through our agency relationships. We do not underwrite or issue insurance policies directly—policies are issued by the insurance carriers we represent.

3. Eligibility

You must be at least 18 years old to use our Services. By using our Services, you represent and warrant that you meet this age requirement and have the legal capacity to enter into these Terms.

4. User Responsibilities

You agree to:

• Provide accurate, current, and complete information when using our calculator tools
• Use the Services only for lawful purposes and in accordance with these Terms
• Not attempt to gain unauthorized access to any portion of the Services
• Not transmit any viruses, malware, or other malicious code
• Not engage in any activity that interferes with or disrupts the Services
• Not impersonate any person or entity or misrepresent your affiliation
• Not use automated systems (bots, scrapers) to access the Services without permission

5. Intellectual Property Rights

7. Third-Party Services and Links

Our Services may contain links to third-party websites or services (including our partners Eleos Life, HoneyQuote, and ERGO Next) that are not owned or controlled by CoverDad.

CoverDad has no control over, and assumes no responsibility for, the content, privacy policies, or practices of any third-party websites or services. You acknowledge and agree that CoverDad shall not be responsible or liable for any damage or loss caused by your use of any third-party services.

We strongly advise you to read the terms and conditions and privacy policies of any third-party websites or services that you visit.

10. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL COVERDAD, ITS OFFICERS, DIRECTORS, EMPLOYEES, OR AGENTS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING WITHOUT LIMITATION, LOSS OF PROFITS, DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES, RESULTING FROM:

• Your access to or use of or inability to access or use the Services
• Any conduct or content of any third party on the Services
• Any content obtained from the Services
• Unauthorized access, use, or alteration of your data
• Any decisions made based on information from our calculator tools

11. Indemnification

You agree to defend, indemnify, and hold harmless CoverDad and its licensors, employees, contractors, agents, and suppliers from any claims, liabilities, damages, losses, and expenses, including reasonable attorneys' fees, arising out of or in any way connected with your access to or use of the Services, or your violation of these Terms.

12. Termination

We may terminate or suspend your access to our Services immediately, without prior notice or liability, for any reason whatsoever, including without limitation if you breach these Terms.

Upon termination, your right to use the Services will immediately cease. All provisions of these Terms which by their nature should survive termination shall survive, including ownership provisions, warranty disclaimers, indemnity, and limitations of liability.

13. Governing Law and Jurisdiction

These Terms shall be governed by and construed in accordance with the laws of [Your State/Country], without regard to its conflict of law provisions.

Any disputes arising from these Terms or your use of the Services shall be resolved exclusively in the courts located in [Your Jurisdiction].

14. Dispute Resolution

If you have any concerns or disputes about the Services, you agree to first try to resolve the dispute informally by contacting us at legal@getcoverdad.com.

15. Changes to Terms

We reserve the right to modify or replace these Terms at any time at our sole discretion. If a revision is material, we will provide at least 30 days' notice prior to any new terms taking effect.

By continuing to access or use our Services after those revisions become effective, you agree to be bound by the revised terms. If you do not agree to the new terms, please stop using the Services.

16. Severability

If any provision of these Terms is held to be unenforceable or invalid, such provision will be changed and interpreted to accomplish the objectives of such provision to the greatest extent possible under applicable law, and the remaining provisions will continue in full force and effect.

17. Entire Agreement

These Terms, together with our Privacy Policy and Cookie Policy, constitute the entire agreement between you and CoverDad regarding the use of our Services and supersede all prior agreements and understandings.