Effective date: July 22, 2026
These Terms of Use ("Terms") are a binding agreement between you and CoverageCard ("CoverageCard," "we," "us," or "our"), the operator of the CoverageCard website and service available at https://coveragecard.ai (also currently available at https://coveragecard-site.pages.dev, and any successor or mirror domain we designate) (the "Service"). Please read them carefully. These Terms contain a binding individual arbitration provision and a class action waiver (Section 16) that affect how disputes between you and CoverageCard are resolved. You have the right to opt out of arbitration within 30 days, as described in Section 16.
You accept these Terms by doing any of the following: (a) checking the box indicating your agreement to these Terms when you create an account; (b) requesting and using a one-time email sign-in link after being shown a conspicuous notice that doing so constitutes agreement to these Terms; or (c) clicking the "Agree & Scan" (or similarly labeled) button, presented with a conspicuous link to these Terms, before uploading a document for analysis without an account. We record the date and time of each such acceptance. If you do not agree to these Terms, do not use the Service.
These Terms, together with our Privacy Notice, are the entire agreement between you and us regarding the Service and supersede any prior or contemporaneous understandings about the Service.
The Service is offered only to individuals who are:
By using the Service, you represent that you meet both requirements. The Service is not directed to children, and we do not knowingly collect information from anyone under 18. If you use the Service on behalf of another person, you represent that you have that person's authorization to do so, including authorization to upload their insurance documents.
The Service may not be available in every U.S. state. We may limit, condition, or decline to offer the Service or particular features in particular states or jurisdictions at any time.
CoverageCard is an educational tool. You upload your own insurance declarations pages (auto, home, renters, or an auto-and-home bundle) as PDF or image files, subject to technical limits we set (currently a maximum of 5 files and 9 MB per scan, which we may change). An automated software pipeline that uses artificial intelligence (large language model technology provided by our AI service provider, called from our servers) extracts policy information from your documents and returns:
The analysis is generated by an automated AI system and may contain errors. AI systems can misread documents, miss information, or state things that are not correct. Grades and all other outputs are opinions produced by CoverageCard's own methodology — our assessment of how the coverage shown in your documents compares to our internal rubric. A grade is not an official, industry, or regulatory rating; it is not affiliated with, endorsed by, or a statement about any insurer, and it is not a statement about any insurer's financial condition, claims practices, or quality. We do not guarantee that our description of your coverage is complete or accurate. Your actual policy documents — the policy language issued by your insurer — control in all cases. Always verify the analysis against your policy and contact your insurer or a licensed insurance producer with questions.
We may modify, add, remove, or discontinue features of the Service at any time. We do not promise that the Service, or any particular feature, will always be available or free of charge.
This section describes what the Service is and, just as importantly, what it is not. It defines the scope of what we offer.
You acknowledge that the Service is not designed, offered, or suitable to serve as the basis for any decision to buy, decline, change, or cancel insurance coverage, and that we instruct you not to use it that way. This acknowledgment defines the scope of the Service we offer; it does not waive any right you have under applicable law that cannot be waived by contract.
You may scan documents without an account. An account is required to save your results ("cards"). You may create an account with an email address and password, or sign in using a one-time email sign-in link. You agree to:
You may have only one account, and your account is personal to you and may not be sold, transferred, or shared. Scanning a document on behalf of another person with their authorization, as described in Section 2, is not prohibited "sharing" of your account.
You agree that you will not, and will not attempt to:
We may investigate violations and may suspend or terminate access as described in Section 19. We apply per-IP daily scan limits and other technical controls, and we may change them at any time.
You retain all ownership rights you have in the documents and other content you upload ("Your Content"). We do not claim ownership of Your Content.
You grant CoverageCard a limited, non-exclusive, worldwide, royalty-free license to host, reproduce, process, transmit, and display Your Content solely to the extent necessary to provide the Service to you — that is, to perform the automated analysis you request, return your results, save the cards that are automatically saved to your account while you are signed in, and operate, secure, and troubleshoot the Service. This license includes the right to have Your Content processed by the service providers we use to run the Service (such as our AI, hosting, and database providers), acting on our behalf and solely for these purposes. The license ends when Your Content is deleted from the Service, subject to the retention practices described in our Privacy Notice.
We do not sell Your Content. We do not use your documents or the data extracted from them to train AI models, and we do not permit the service providers that process Your Content on our behalf to use it to train their models. Uploaded documents themselves are processed in memory and are not retained after your analysis is returned. If you are signed in, the results of your analysis are saved to your account as a card — including your grade, coverage breakdown, carrier, a vehicle or address display line, premium, and policy expiration date — until you delete the card or your account. Everything else we do and do not keep (including anonymized coverage analytics) is described in our Privacy Notice, which governs our data practices.
You represent and warrant that you own or have all rights necessary to upload Your Content and to grant the license above, and that Your Content does not violate any law or any third party's rights.
Our collection, use, retention, and deletion of personal information are described in our Privacy Notice, available on the Service. The Privacy Notice is incorporated into these Terms by reference. Where these Terms and the Privacy Notice address the same data practice, the Privacy Notice controls as to that practice.
The Service — including the CoverageCard name and logo, the website, software, design, text, graphics, grading methodology, scoring rubric, prompts, and the format and presentation of grades and cards — is owned by CoverageCard or its licensors and is protected by intellectual property laws. We grant you a limited, personal, non-exclusive, non-transferable, revocable license to access and use the Service for your own non-commercial, personal use in accordance with these Terms. No other rights are granted.
You may share the grade card generated for you (for example, using the Service's share feature) for personal, non-commercial purposes. You may not remove or alter any notices on shared cards, present a card as an official rating, or use the CoverageCard name or outputs to advertise or promote any product or service without our prior written permission. Nothing in this Section 9 limits your rights under Section 12 (Consumer Reviews), including your right to display your own grade card as part of an honest review or criticism of the Service.
If you send us feedback or suggestions, you grant us the right to use them without restriction or compensation.
The Service is currently free to consumers. To support it, the Service may display links to third-party insurance quote services or other partners (for example, a "See what you'd pay elsewhere" link). We may be paid if you obtain a quote through a partner link. Where partner links appear, they are paid placements unless labeled otherwise.
We do not charge you, and we do not accept from any insurer, partner, or other person, any fee, commission, or other compensation for examining, appraising, reviewing, or evaluating any insurance policy or for any analysis or grade the Service produces. Any compensation we receive from partners is paid for advertising placement of optional partner links, is not conditioned on the content of any analysis or grade, and is separate from the analysis function of the Service.
Compensation never affects your grade or our analysis. Our grading methodology operates independently of any partner relationship: no partner has input into our scoring rules, and no grade or analysis output is influenced by whether or how much a partner pays us.
Partners are independent third parties. We do not provide quotes, sell insurance, or participate in any transaction between you and a partner. Any quote, policy, or service you obtain from a partner is governed solely by your agreement with that partner, and any insurance transaction should be conducted with a licensed insurance producer.
The Service may contain links to third-party websites and services, including partner quote services. We do not control and are not responsible for third-party sites, their content, their products, or their privacy and security practices. A link is not an endorsement. Your use of any third-party site is at your own risk and subject to that third party's terms and privacy policy.
Nothing in these Terms restricts your right to review, comment on, or criticize the Service, or to communicate with any regulator or law enforcement agency. Consistent with the Consumer Review Fairness Act, we do not prohibit or penalize honest reviews, and we claim no ownership of your reviews.
THE SERVICE AND ALL OUTPUTS — INCLUDING GRADES, COVERAGE DESCRIPTIONS, GAP LISTS, AND EXTRACTED NUMBERS — ARE PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, WE DISCLAIM ALL IMPLIED WARRANTIES, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY, TITLE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, SECURE, OR ERROR-FREE; THAT ANY ANALYSIS, GRADE, OR EXTRACTED INFORMATION WILL BE ACCURATE, COMPLETE, OR CURRENT; OR THAT THE SERVICE WILL IDENTIFY EVERY GAP, ERROR, OR FEATURE IN YOUR COVERAGE.
Some states do not allow the disclaimer of certain implied warranties, so some of the above disclaimers may not apply to you. Nothing in this section limits any warranty or right that cannot be disclaimed under the law of your state, and nothing in these Terms limits your rights under applicable consumer protection laws.
TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW: (A) NEITHER CoverageCard NOR ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, OR SERVICE PROVIDERS WILL BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR LOST PROFITS, LOST SAVINGS, LOSS OF DATA, OR COSTS OF SUBSTITUTE SERVICES, ARISING OUT OF OR RELATING TO THE SERVICE OR THESE TERMS, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES; AND (B) OUR TOTAL AGGREGATE LIABILITY FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THE SERVICE OR THESE TERMS WILL NOT EXCEED THE GREATER OF (i) ONE HUNDRED U.S. DOLLARS ($100) OR (ii) THE TOTAL AMOUNT YOU PAID US FOR THE SERVICE IN THE TWELVE (12) MONTHS BEFORE THE EVENT GIVING RISE TO THE CLAIM.
Without limiting Section 4, you acknowledge that insurance decisions carry significant financial consequences, that the Service is an educational tool that may contain errors, and that we specifically instruct you not to make insurance decisions based on the Service. Losses arising from buying, declining, changing, or canceling insurance coverage are not losses the Service is designed or offered to prevent.
Exceptions. Nothing in these Terms limits or excludes our liability for: (a) fraud or fraudulent misrepresentation; (b) gross negligence or willful misconduct; (c) death or personal injury caused by our negligence; or (d) any liability that cannot be limited or excluded under applicable law. Some states do not allow the exclusion or limitation of incidental or consequential damages or certain other damages, so some of the limitations above may not apply to you; in those states, our liability is limited to the fullest extent permitted by that state's law. These Terms do not limit any rights you have under your state's consumer protection statutes that cannot be waived by contract.
You agree to indemnify and hold harmless CoverageCard and its officers, directors, employees, and agents from third-party claims, and resulting liabilities, damages, and reasonable attorneys' fees, to the extent arising out of: (a) your upload of documents or content that you knew, or reasonably should have known, you did not have the right to upload, including another person's insurance documents uploaded without authorization; (b) your violation of law in connection with your use of the Service; or (c) your intentional misuse of the Service in breach of Section 6. This obligation does not apply to the extent a claim results from our own breach of these Terms, our negligence, or our willful misconduct. We will give you prompt notice of any such claim, and you may not settle any claim in a way that imposes obligations on us without our consent.
PLEASE READ THIS SECTION CAREFULLY. IT REQUIRES YOU AND CoverageCard TO RESOLVE MOST DISPUTES THROUGH BINDING INDIVIDUAL ARBITRATION RATHER THAN IN COURT, AND IT WAIVES THE RIGHT TO A JURY TRIAL AND THE RIGHT TO PARTICIPATE IN A CLASS ACTION FOR THOSE ARBITRATED DISPUTES. YOU MAY OPT OUT WITHIN 30 DAYS AS DESCRIBED BELOW.
Agreement to arbitrate. You and CoverageCard agree that any dispute, claim, or controversy arising out of or relating to the Service or these Terms — including their formation, interpretation, breach, or termination, and including statutory, tort, and consumer protection claims — will be resolved by binding arbitration on an individual basis, except as expressly provided in this section. This agreement to arbitrate is governed by the Federal Arbitration Act.
Exceptions. Either party may: (a) bring an individual claim in small claims court in the county (or equivalent jurisdiction) of your residence, if the claim qualifies for that court and remains in that court on an individual basis; and (b) seek injunctive or other equitable relief in court to protect its intellectual property or to stop unauthorized access to or abuse of the Service. You may also bring complaints to any federal, state, or local agency; agencies may seek relief against us on your behalf.
Informal resolution first. Before starting arbitration, the party with the dispute must send the other a written notice describing the dispute and the relief sought (to us: support@coveragecard.ai, subject line "Dispute Notice"; to you: the email associated with your account or that you provide). The parties will try in good faith to resolve the dispute for 60 days from receipt of the notice. If it is not resolved, either party may begin arbitration. Any applicable statute of limitations, and any contractual deadline to file, will be tolled from the date a compliant Dispute Notice is received until 60 days later or the end of any agreed extension of the informal-resolution period, whichever is later.
Arbitration procedure. The arbitration will be administered by the American Arbitration Association ("AAA") under its Consumer Arbitration Rules and, where applicable, its Mass Arbitration Supplementary Rules, each as in effect when the arbitration is filed (available at www.adr.org). If the AAA is unavailable, the parties will select a comparable consumer arbitration administrator, or a court will appoint one. The arbitration will be conducted in the county where you live, by videoconference or telephone, or by documents only, at your choice consistent with AAA rules. Payment of filing, administration, and arbitrator fees will be governed by the AAA's Consumer Arbitration Rules; if your claim is for less than $10,000, we will pay all AAA filing, administration, and arbitrator fees beyond the consumer filing fee those rules require you to pay, unless the arbitrator determines that your claim was brought for an improper purpose or is frivolous under standards comparable to Federal Rule of Civil Procedure 11(b). The arbitrator may award the same individual relief a court could award, including damages, injunctive or declaratory relief limited to your individual claim, and attorneys' fees where available under applicable law. The arbitrator's award may be entered in any court of competent jurisdiction.
Delegation. The arbitrator, and not any court, has exclusive authority to resolve disputes about the interpretation, applicability, enforceability, or formation of this arbitration agreement, except that a court, and not the arbitrator, will decide (a) any dispute about the validity or enforceability of the class action waiver below and (b) whether a dispute falls within the small-claims or intellectual-property exceptions above.
Class action and jury trial waiver. Because disputes subject to this Section 16 are resolved by binding arbitration, you and CoverageCard each give up the right to a trial by jury for those disputes. You and CoverageCard each also waive the right to bring or participate in any class action, collective action, consolidated action, or representative action in arbitration. If any dispute proceeds in court — including because you opted out of arbitration, the dispute falls within an exception above, or a claim is severed under this section — nothing in this paragraph waives any right to a jury trial or to class procedures except to the extent such a waiver is enforceable under the law applicable in that court. If you opt out under this section, you retain all rights you would otherwise have to a jury trial and to participate in a class action. The arbitrator may not consolidate more than one person's claims (except as provided in the AAA Mass Arbitration Supplementary Rules for administrative coordination) and may not preside over any form of class or representative proceeding. Nothing in this section waives your right to seek public injunctive relief where that right cannot be waived under applicable law; any claim for such relief will be stayed pending arbitration of all arbitrable claims.
Coordinated filings. If 25 or more similar arbitration demands are filed against us by claimants represented by the same or coordinated counsel, the AAA Mass Arbitration Supplementary Rules will apply, including their fee schedules, process-arbitrator procedures, and global mediation process. Nothing in this paragraph limits any individual claimant's right to a full and fair individual arbitration of their own claim, and no ruling in any other claimant's arbitration will bind you without your consent.
30-day right to opt out. You may opt out of this arbitration agreement and the class action waiver entirely, with no penalty and no effect on any other part of these Terms, by emailing support@coveragecard.ai within 30 days after you first accept these Terms through one of the actions described in Section 1, with the subject line "Arbitration Opt-Out" and your name and the email address you use with the Service (or, if you do not have an account, an email address where you can be reached and a statement that you use the Service without an account). Opting out is a one-time choice; you never need to renew it. If you opt out, disputes will be resolved in court under Section 17.
Changes; survival. Any future change to this Section 16 will not apply to disputes that arose, or of which either party had notice, before the change became effective. If we make a material change to this Section 16, we will notify you at least 30 days before it takes effect. You may reject the change by emailing support@coveragecard.ai with the subject line "Arbitration Change Rejection" within 30 days after the notice; if you do, the prior version of this Section 16 continues to apply to you. Rejecting a change does not opt you out of arbitration itself; you may separately opt out only as provided above. This Section 16 survives termination of these Terms and your account.
Severability of this section. If the class action waiver is found unenforceable as to a particular claim or request for relief, then that claim or request (and only that one) will be severed and may proceed in court, and the remaining claims will proceed in arbitration. If this entire Section 16 is found unenforceable, Section 17 governs where disputes will be heard.
These Terms and any dispute arising out of or relating to them or the Service are governed by the laws of the State of Ohio and applicable federal law, without regard to conflict-of-laws rules, except that the Federal Arbitration Act governs Section 16. This choice of law does not deprive you of protections you are entitled to under mandatory consumer protection laws of your state of residence.
For any dispute that is not subject to arbitration (including if you opt out under Section 16) and that is not brought in small claims court, you and CoverageCard consent to the exclusive jurisdiction and venue of the state and federal courts located in Ohio, provided that, if you are a consumer, you may instead bring the action in the state or federal courts of the state and county where you reside, and nothing in this section waives any non-waivable venue or forum right you have under the law of your state.
We may update these Terms from time to time. Changes apply prospectively only: no change applies retroactively to events that occurred, or disputes that arose, before its effective date. If we make a material change, we will provide reasonable advance notice — such as by email to your account address, a notice on the Service, or both — at least 30 days before the change takes effect, and we will update the effective date above. If you do not agree to a change, stop using the Service and, if you have an account, close it before the change takes effect. Continued use of the Service after a change takes effect constitutes acceptance of the revised Terms, except that for material changes to Section 16 or changes that materially reduce your rights, we will require account holders to affirmatively accept the revised Terms; continued use alone will not constitute acceptance of those changes.
You may stop using the Service at any time. You may delete individual saved cards in the app, and you may request deletion of your account by emailing support@coveragecard.ai from your account email address.
We may suspend or terminate your access to the Service (including your account) if you materially breach these Terms, if we reasonably believe your use poses a security, legal, or abuse risk, or if we discontinue the Service. Where practicable, we will give you notice and an opportunity to review or note your saved cards before termination that is not based on a serious breach or legal requirement.
Upon termination, your license to use the Service ends. Sections that by their nature should survive — including Sections 3, 4, 7 (as to the wind-down of the license), 8, 9, 12 through 17, 20, 21, and 22 — survive termination.
Except as provided in Section 16, if any provision of these Terms is held invalid or unenforceable, that provision will be enforced to the maximum extent permissible, or severed if it cannot be, and the remaining provisions will remain in full force and effect.
If you believe content on the Service infringes your copyright, notify us by email at support@coveragecard.ai with the subject line "Copyright Notice", including the information required by 17 U.S.C. § 512(c)(3). We will respond to valid notices, including by removing content and, in appropriate circumstances, terminating repeat infringers.
Questions about these Terms or the Service may be directed to:
CoverageCard
postal address available on request at support@coveragecard.ai
Email: support@coveragecard.ai
Website: https://coveragecard.ai