Terms of Service

1. Acceptance of Terms

By accessing or using coverforgeusa.com (the "Site") operated by Cover Forge USA ("we," "us," or "our"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to all of these Terms, do not use the Site.

These Terms apply to all visitors, users, and others who access or use the Site. We reserve the right to update these Terms at any time. Your continued use of the Site following the posting of revised Terms means you accept those changes.

2. Site Description & Purpose

Cover Forge USA is an independent educational and informational resource focused on insurance topics including auto, home, life, health, and specialty coverage. We publish consumer guides, rate comparisons, state-specific information, and expert analysis.

Cover Forge USA is NOT an insurance agency, broker, carrier, or intermediary. We do not sell insurance policies, bind coverage, provide quotes with binding effect, or act as a licensed insurance agent or broker in any jurisdiction. Nothing on this Site constitutes an offer to sell or solicit insurance.

All content is provided for general educational purposes only. For actual insurance advice, coverage decisions, or policy purchases, you should consult a licensed insurance professional in your state.

3. Disclaimer of Warranties

THE SITE AND ALL CONTENT ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT ANY WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, WE DISCLAIM ALL WARRANTIES, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

We do not warrant that:

• The Site will be uninterrupted, error-free, or secure
• Insurance rate data, coverage information, or regulatory details are complete, current, or accurate
• Results obtained from using the Site will be accurate or reliable
• Any defects in the Site will be corrected

Insurance rates, coverage requirements, and laws vary by state and change frequently. Always verify information directly with a licensed insurer or agent before making any insurance decision.

4. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL COVER FORGE USA, ITS OFFICERS, DIRECTORS, EMPLOYEES, OR AGENTS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING WITHOUT LIMITATION LOSS OF PROFITS, DATA, GOODWILL, OR OTHER INTANGIBLE LOSSES, ARISING OUT OF OR IN CONNECTION WITH:

• Your use of or inability to use the Site
• Any insurance decision made in reliance on content published on the Site
• Any unauthorized access to or alteration of your data
• Any conduct or content of third parties on or through the Site

In no event shall our total liability exceed one hundred dollars ($100). Some jurisdictions do not allow exclusions of certain warranties or limitations of liability, so some of the above limitations may not apply to you.

5. Affiliate & Advertiser Disclosure

Some links on this Site are affiliate links. This means we may earn a commission if you click through and take a qualifying action (such as requesting a quote or purchasing a policy) at no additional cost to you. This compensation may influence which products and companies we feature, but it does not affect our editorial content or ratings.

We also display third-party advertisements served through Google AdSense and other networks. The presence of an advertisement does not constitute an endorsement of the advertiser's products or services.

Our editorial team maintains independence from our commercial relationships. Advertiser or affiliate relationships do not influence our rankings, recommendations, or factual reporting. See our Advertiser Disclosure for full details.

6. Intellectual Property

All content on the Site, including but not limited to text, graphics, logos, data tables, insurance guides, and editorial analysis, is the property of Cover Forge USA or its content suppliers and is protected by U.S. and international copyright laws.

You may view and print content from the Site for personal, non-commercial use only. You may not reproduce, distribute, republish, sell, or create derivative works from Site content without our express written permission.

Brief quotations with attribution and a link back to the original article are permitted for journalistic and educational purposes under fair use principles.

7. User Conduct

You agree not to:

• Use the Site for any unlawful purpose or in violation of any applicable laws
• Scrape, crawl, or systematically harvest content without prior written permission
• Attempt to gain unauthorized access to any part of the Site or its systems
• Transmit any malicious code, viruses, or disruptive content
• Impersonate any person or entity or misrepresent your affiliation with any entity
• Use the Site to distribute spam, unsolicited commercial communications, or phishing content
• Interfere with or disrupt the integrity or performance of the Site

8. Links to Third-Party Sites

The Site contains links to third-party websites, including insurance carrier sites, government resources (state insurance departments, CMS, IRS), and comparison platforms. These links are provided for your convenience and do not constitute an endorsement of the linked site or its operators.

Cover Forge USA has no control over and assumes no responsibility for the content, privacy policies, or practices of any third-party sites. We strongly encourage you to review the privacy policy and terms of any website you visit.

9. Privacy

Your use of the Site is also governed by our Privacy Policy, which is incorporated into these Terms by reference. Please review the Privacy Policy to understand our practices regarding data collection and use.

10. Governing Law & Dispute Resolution

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

Any dispute arising from or relating to these Terms or your use of the Site shall be resolved through binding arbitration administered by the American Arbitration Association under its Consumer Arbitration Rules. The arbitration shall take place in Delaware. You waive any right to a jury trial or class action proceeding.

Notwithstanding the foregoing, either party may seek injunctive or other equitable relief in any court of competent jurisdiction to prevent the actual or threatened infringement of intellectual property rights.

11. Changes to These Terms

We reserve the right to modify these Terms at any time. We will provide notice of significant changes by posting the updated Terms on this page with a revised "Last Updated" date. Your continued use of the Site after any modification constitutes your acceptance of the revised Terms.

12. Contact

If you have questions about these Terms, please contact us: