Terms of Service

Effective Date: January 1, 2024
Last Updated: June 19, 2025

1. About Our Services

Platform Overview

MatchedCover operates an online insurance comparison and marketplace platform that connects consumers with licensed insurance providers. Our services include:

• Insurance quote comparisons across multiple providers
• Educational resources and insurance guidance
• Application assistance and enrollment support
• Customer service and claims support coordination
• AI-powered insurance recommendations

Important Disclaimer

2. Eligibility and Account Requirements

Age and Capacity

To use our services, you must:

• Be at least 18 years of age
• Have the legal capacity to enter into binding contracts
• Reside in a state where our services are available
• Provide accurate and complete information

Account Security

You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account. You must notify us immediately of any unauthorized use or security breach.

3. User Responsibilities

Accurate Information

You agree to provide accurate, current, and complete information when:

• Requesting insurance quotes
• Creating your account profile
• Applying for insurance coverage
• Communicating with insurance providers

Prohibited Uses

You agree not to:

• Provide false, misleading, or fraudulent information
• Use our services for any illegal or unauthorized purpose
• Attempt to gain unauthorized access to our systems
• Interfere with or disrupt our services
• Use automated tools to access our platform without permission
• Violate any applicable laws or regulations
• Harass, abuse, or harm other users or our staff

4. Insurance Quotes and Applications

Quote Accuracy

Insurance quotes provided through our platform are estimates based on the information you provide. Final pricing and coverage terms are determined by the insurance companies and may differ from initial quotes due to:

• Additional underwriting requirements
• Credit checks and background verification
• Property inspections or medical examinations
• Changes in risk assessment

Application Process

When you submit an insurance application through our platform:

• Your information is transmitted to the selected insurance provider
• The insurance company conducts its own underwriting process
• Coverage is subject to the insurer's approval and terms
• You will receive policy documents directly from the insurer

5. Payment and Fees

Our Platform Fees

MatchedCover's services are free to consumers. We receive compensation from insurance partners when you purchase a policy through our platform. This compensation does not affect the pricing or availability of insurance products.

Insurance Premiums

Insurance premiums and fees are paid directly to the insurance company according to their payment terms. We do not process premium payments on behalf of insurance providers.

6. Intellectual Property

Our Rights

All content, features, and functionality on our platform, including but not limited to:

• Text, graphics, logos, and images
• Software, algorithms, and technology
• Trademarks and service marks
• Trade secrets and proprietary information

are owned by MatchedCover or our licensors and are protected by copyright, trademark, and other intellectual property laws.

Limited License

We grant you a limited, non-exclusive, non-transferable license to access and use our platform for personal, non-commercial purposes in accordance with these Terms.

7. Privacy and Data Protection

Your privacy is important to us. Our collection, use, and protection of your personal information is governed by ourPrivacy Policy, which is incorporated into these Terms by reference.

Data Sharing

By using our services, you consent to the sharing of your information with insurance providers and partners as necessary to provide quotes and facilitate insurance applications. All partners are required to protect your information in accordance with applicable privacy laws.

8. Disclaimers and Limitations

Service Availability

Insurance Coverage Disclaimer

We make no representations or warranties regarding:

• The accuracy of insurance quotes or coverage information
• The financial stability or claims-paying ability of insurance providers
• The availability or continuation of specific insurance products
• The outcome of insurance applications or claims

Limitation of Liability

9. Third-Party Services and Links

Our platform may contain links to third-party websites, services, or applications. We are not responsible for:

• The content, privacy practices, or terms of third-party services
• Any damages or losses resulting from your use of third-party services
• The availability or functionality of linked websites

10. Termination

Termination by You

You may terminate your account at any time by contacting us or using the account deletion feature in your profile settings.

Termination by Us

We may suspend or terminate your access to our services at any time for:

• Violation of these Terms or our policies
• Fraudulent or illegal activity
• Extended periods of inactivity
• Business or operational reasons

11. Dispute Resolution

Governing Law

These Terms are governed by the laws of the State of California, without regard to its conflict of law principles.

Arbitration

Any disputes arising from these Terms or your use of our services will be resolved through binding arbitration in accordance with the Commercial Arbitration Rules of the American Arbitration Association.

Class Action Waiver

You agree that any arbitration or legal proceeding shall be limited to the dispute between you and MatchedCover individually. You waive any right to participate in class action lawsuits or class-wide arbitrations.

12. Changes to Terms

We may modify these Terms at any time by posting the updated version on our website. Material changes will be communicated through email or prominent notice on our platform. Your continued use of our services after such changes constitutes acceptance of the updated Terms.

13. Regulatory Compliance

Insurance Regulations

Our services are subject to state insurance regulations. We maintain appropriate licenses and comply with applicable insurance laws in the states where we operate.

Consumer Protection

We are committed to fair and transparent business practices. If you have concerns about our services, you may contact your state insurance department or other applicable regulatory authorities.

14. Contact Information

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