Legal
Terms of Service
These Terms of Service govern your access to and use of The Coverage Doc website, including our website, assessment, forms, quizzes, content, and related services.
Agreement
By accessing or using our website or submitting information through our forms or assessment, you agree to these Terms. If you do not agree with these Terms, please do not use the website or submit your information.
Our Service
The Coverage Doc is a lead-generation and consumer connection service operated by Calico Leads.
We provide consumers with a way to explore their life insurance needs and, when appropriate, connect with licensed insurance professionals, agencies, brokers, carriers, or other insurance-related service providers.
The Coverage Doc and Calico Leads are not insurance companies, insurance carriers, underwriters, financial institutions, or licensed insurance agents unless specifically stated otherwise.
We do not issue insurance policies, underwrite applications, determine eligibility, set insurance premiums, approve coverage, or make final insurance decisions.
Any insurance products, recommendations, quotes, applications, or policy decisions are provided by the applicable licensed insurance professional, agency, broker, or insurance carrier.
General Information Only
Information provided through The Coverage Doc is intended for general informational and lead-generation purposes.
The information on this website does not constitute insurance, financial, legal, tax, or investment advice.
The Coverage Doc does not recommend or endorse any particular insurance policy, carrier, agent, or insurance product.
Before purchasing an insurance product, you should discuss your individual circumstances with a properly licensed insurance professional and review the applicable policy documents, terms, exclusions, costs, and eligibility requirements.
No Guarantee of Coverage or Approval
Submitting information through our website, forms, or assessment does not guarantee that you will:
Receive an insurance quote Qualify for coverage Be approved for coverage Receive a particular premium or rate Receive a specific coverage amount Receive a particular type of policy Be contacted by a particular insurance professional Be contacted by an insurance carrier Obtain insurance coverage
Eligibility, pricing, underwriting, coverage availability, and policy approval are determined by the applicable insurance professional, agency, broker, and/or insurance carrier.
Connection With Third-Party Partners
When you submit information through The Coverage Doc, your information may be shared with one or more third parties for the purpose of responding to your request and connecting you with potential insurance-related services.
These parties may include:
Licensed insurance agents Insurance agencies Insurance brokers Insurance carriers Lead buyers or marketing partners Service providers that support our lead-generation operations
These third parties may contact you regarding your inquiry or potential insurance coverage.
The Coverage Doc does not control the products, services, recommendations, communications, pricing, underwriting decisions, or business practices of third-party insurance professionals or companies.
Any relationship you establish with a third-party insurance professional or company is between you and that third party.
Information You Provide
When submitting information through our website, you agree to provide information that is accurate and truthful to the best of your knowledge.
You agree not to:
Submit false or misleading information Submit information belonging to another person without authorization Impersonate another individual Use the website for fraudulent purposes Submit information for an unlawful purpose
We may refuse to process or remove submissions that we reasonably believe are fraudulent, abusive, misleading, incomplete, or otherwise inappropriate.
Consent to Communications
By submitting your information through The Coverage Doc, you may be contacted by Calico Leads, The Coverage Doc, or third-party insurance-related partners regarding your inquiry and potential insurance products or services.
Communications may occur through:
Telephone calls Text messages Email Other permitted communication methods
Message and data rates may apply.
Consent to receive communications is not a condition of purchasing any insurance product or service.
Where applicable, you may opt out of text messages by replying STOP or following the instructions provided in the message. You may also unsubscribe from marketing emails using the unsubscribe instructions included in the email.
You understand that opting out of certain communications may prevent us or our partners from responding to your inquiry through that communication method.
Privacy
Your use of The Coverage Doc is also subject to our Privacy Policy.
Our Privacy Policy explains how we collect, use, disclose, and otherwise process information submitted through our website and assessment.
Please review our Privacy Policy for additional information regarding our data practices.
Website Content
We make reasonable efforts to provide useful and accurate information on our website. However, we do not guarantee that all website content is complete, accurate, current, or error-free.
Life insurance products, availability, eligibility requirements, premiums, and underwriting standards can vary based on factors including the applicant, state, age, health, lifestyle, coverage amount, policy type, and insurance carrier.
We may modify, update, suspend, or remove website content or functionality at any time.
Acceptable Use
You may use The Coverage Doc only for lawful purposes and in accordance with these Terms.
You agree not to:
Use the website for fraudulent or unlawful purposes Submit false or misleading information Interfere with website functionality Attempt to gain unauthorized access to systems or data Scrape, copy, reproduce, or commercially exploit website content without permission Submit spam or abusive requests Introduce malicious software or code Impersonate another person or organization Use the website in a manner that could damage, disable, or impair the service
We reserve the right to restrict or terminate access to users who violate these Terms.
Intellectual Property
The website and its contents, including text, graphics, logos, branding, designs, images, forms, assessment materials, and other original materials, are owned by or licensed to Calico Leads unless otherwise indicated.
You may not reproduce, distribute, modify, publish, sell, license, or commercially exploit our content without prior written permission.
Third-Party Websites and Services
The Coverage Doc may contain links, references, or connections to third-party websites, insurance companies, agencies, carriers, tools, or other services.
Third-party websites and services are governed by their own terms and privacy policies.
We are not responsible for the content, availability, security, privacy practices, products, services, or conduct of third parties.
Your interactions with third-party companies or insurance professionals are solely between you and those parties.
Disclaimer of Warranties
The Coverage Doc website and related services are provided on an “as is” and “as available” basis to the fullest extent permitted by law.
We do not guarantee that:
The website will always be available The website will be uninterrupted or error-free Information on the website will always be accurate or current The website will be completely secure Your submission will result in an insurance quote You will qualify for insurance You will be approved for coverage You will receive a particular policy or coverage amount A third-party insurance professional will contact you Any insurance product will meet your individual needs
To the fullest extent permitted by applicable law, we disclaim warranties that are not expressly stated in these Terms.
Limitation of Liability
To the fullest extent permitted by applicable law, Calico Leads, The Coverage Doc, and their respective owners, employees, contractors, affiliates, and service providers will not be liable for indirect, incidental, special, consequential, exemplary, or punitive damages arising from or related to your use of the website or services.
We are not responsible for losses, claims, disputes, recommendations, communications, insurance products, policy decisions, or other issues arising from your interactions with third-party insurance professionals, agencies, brokers, carriers, or other partners.
Nothing in these Terms is intended to limit any rights or remedies that cannot legally be limited under applicable law.
No Professional or Agency Relationship
Your use of The Coverage Doc or submission of information through our website does not create an insurance, financial advisory, fiduciary, employment, partnership, joint venture, or agency relationship between you and Calico Leads or The Coverage Doc.
The Coverage Doc acts as a lead-generation and consumer connection service.
Any professional relationship you establish with a licensed insurance professional is separate from your relationship with Calico Leads and The Coverage Doc.
Insurance Licensing and Availability
Insurance products and services may not be available in every state or to every individual.
Availability depends on applicable state laws, insurance carrier requirements, underwriting guidelines, and the licensing and availability of participating insurance professionals.
You should confirm that any insurance professional you work with is properly licensed to provide insurance services in your state.
Changes to These Terms
We may update these Terms from time to time.
When changes are made, we may update the Effective Date displayed at the top of this page.
Your continued use of the website after updated Terms are posted constitutes acceptance of the revised Terms to the extent permitted by applicable law.
Governing Law
These Terms shall be governed by and interpreted in accordance with the laws of the State of New Jersey, without regard to its conflict-of-law principles, except to the extent otherwise required by applicable law.
Any dispute arising out of or relating to these Terms or your use of the website shall be subject to the jurisdiction of the applicable courts located in New Jersey, unless otherwise required by law.
Contact Us
If you have questions regarding these Terms of Service, you may contact us at:
Calico Leads The Coverage Doc Email: team@thecoveragedoc.com Website: thecoveragedoc.com