Legal
Terms of Service
These Terms of Service govern your use of The Coverage Doc’s website, forms, quizzes, content, and related services.
Agreement
By using this website or submitting your information, you agree to these Terms. If you do not agree to these Terms, please do not use this website or submit your information.
Our Service
The Coverage Doc is a lead generation and connection service. We help connect consumers who are interested in life insurance with licensed insurance agents, agencies, brokers, or other insurance-related partners.
We are not an insurance company, insurance carrier, underwriter, or financial institution. We do not issue insurance policies, approve applications, determine eligibility, set rates, or make underwriting decisions.
No Insurance, Legal, Financial, or Tax Advice
The information on this website is provided for general informational and connection purposes only.
Nothing on this website should be considered insurance, legal, financial, or tax advice. Any decision about insurance coverage should be made after speaking directly with a properly licensed insurance professional.
You are responsible for reviewing all policy terms, coverage details, exclusions, pricing, and eligibility requirements before purchasing any insurance product.
No Guarantee of Coverage, Approval, or Pricing
Submitting a form, quiz, or request through our website does not guarantee that you will:
Receive a quote Qualify for coverage Be approved for a policy Receive a specific rate Be contacted by a specific agent, agency, broker, or carrier Obtain the coverage amount or policy type you requested
Final eligibility, pricing, underwriting, and approval decisions are made by licensed insurance professionals, agencies, brokers, and/or insurance carriers.
Third-Party Insurance Partners
When you submit your information, we may share it with one or more third-party insurance-related partners, including licensed agents, agencies, brokers, marketing partners, or service providers.
These third parties may contact you regarding your life insurance inquiry.
We are not responsible for the actions, advice, products, services, quotes, policies, communications, or business practices of any third-party insurance partner. Any agreement you enter into with a third party is solely between you and that third party.
User Information and Accuracy
By submitting information through our website, you agree that the information you provide is accurate, current, and complete to the best of your knowledge.
You agree not to submit false, misleading, fraudulent, or unauthorized information, including information belonging to another person without permission.
We may reject, remove, or refuse to process any submission that appears false, incomplete, abusive, fraudulent, or otherwise inappropriate.
Consent to Be Contacted
By submitting your information through our website, you agree that The Coverage Doc, Calico Leads, and/or our insurance-related partners may contact you by phone, text message, email, or other communication methods regarding your request.
Message and data rates may apply. Consent is not a condition of purchase.
You may opt out of certain communications by following unsubscribe instructions, replying STOP to text messages where available, or contacting us directly at team@thecoveragedoc.com.
Privacy
Your use of our website is also governed by our Privacy Policy.
Our Privacy Policy explains how we collect, use, share, and protect your information.
You can view our Privacy Policy here: thecoveragedoc.com/privacy
Website Content
We try to provide helpful and accurate information, but we do not guarantee that all content on this website is complete, current, accurate, or error-free.
Life insurance products, pricing, eligibility, and requirements may vary by state, carrier, applicant, health status, age, lifestyle factors, and other underwriting criteria.
We may update, remove, or change website content at any time without notice.
Permitted Use
You agree to use this website only for lawful purposes.
You agree not to:
Use the website for fraud or unlawful activity Submit false or misleading information Interfere with the website’s operation Attempt to access restricted systems or data Copy, scrape, resell, or misuse website content Use the website to submit spam or abusive requests Impersonate another person or entity
We may restrict or block access to users who violate these Terms.
Intellectual Property
All content on this website, including text, graphics, logos, branding, design, images, forms, quizzes, and other materials, is owned by or licensed to Calico Leads, unless otherwise stated.
You may not copy, reproduce, distribute, modify, sell, or use our content for commercial purposes without written permission.
Third-Party Links
Our website may contain links to third-party websites, insurance agencies, carriers, tools, or resources.
We are not responsible for the content, privacy policies, terms, products, services, or practices of third-party websites or businesses.
Accessing third-party links is at your own risk.
Disclaimer of Warranties
This website and our services are provided on an “as is” and “as available” basis.
We do not guarantee that:
The website will always be available The website will be error-free The website will be secure Any lead request will result in a quote, call, policy, or approval Any third-party partner will contact you Any insurance product will meet your needs
To the fullest extent permitted by law, we disclaim all warranties, express or implied.
Limitation of Liability
To the fullest extent permitted by law, Calico Leads, The Coverage Doc, its owners, employees, contractors, affiliates, and partners shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of this website or services.
We are not responsible for damages, losses, claims, disputes, or issues arising from your interactions with third-party insurance agents, agencies, brokers, carriers, or partners.
No Agency Relationship
Using this website or submitting your information does not create an agency, partnership, employment, fiduciary, or professional advisory relationship between you and Calico Leads, The Coverage Doc.
We act only as a lead generation and connection service.
State Availability
Insurance products and services may not be available in all states. Availability depends on the licensed insurance partners, agencies, brokers, carriers, and applicable state laws.
You are responsible for confirming that any insurance professional you work with is properly licensed in your state.
Changes to These Terms
We may update these Terms from time to time. When we do, we will revise the “Effective Date” at the top of this page.
Your continued use of the website after changes are posted means you accept the updated Terms.
Governing Law
These Terms are governed by the laws of the State of New Jersey, without regard to conflict of law principles.
Any disputes related to these Terms or your use of the website shall be handled in the appropriate courts located in Middlesex County, New Jersey, unless otherwise required by law.
Contact Us
For questions about these Terms, contact us at:
Calico Leads The Coverage Doc Email: team@thecoveragedoc.com Website: thecoveragedoc.com