1. Acceptance of Terms
By accessing or using autocovershield.com (the "Website"), you agree to be bound by these Terms and Conditions ("Terms"). If you do not agree to these Terms in their entirety, you must not access or use the Website. These Terms constitute a legally binding agreement between you and AutoCoverShield.
2. Description of Service
AutoCoverShield is an advertising and marketing referral service that connects consumers seeking auto insurance with licensed auto insurance agents, brokers, and insurance providers in our partner network.
AutoCoverShield is not an insurance company, is not a licensed insurance broker or agent, and is not affiliated with any government agency or official insurance program. We do not underwrite, issue, bind, or sell insurance policies. All insurance products, quotes, coverage decisions, and policy issuance are provided solely by independent third-party licensed insurance agents and carriers.
By submitting your information through our Website, you authorize AutoCoverShield to share your contact details and relevant information with licensed insurance agent partners who may contact you directly.
3. No Insurance Advice; No Guarantee of Coverage
Nothing on this Website constitutes insurance, legal, or financial advice. The information provided on our Website is for general informational and marketing purposes only.
AutoCoverShield does not determine eligibility for insurance coverage, does not set rates or premiums, and does not guarantee any coverage, premium, discount, savings, or approval. All coverage decisions, pricing, underwriting, and policy terms are determined solely by the licensed insurance providers and carriers with whom you may be connected. Any quotes or estimates provided by agent partners are subject to final underwriting review and approval.
4. Eligibility to Use
You must be at least 18 years of age and a resident of the United States to use this Website. By using the Website, you represent and warrant that you meet these eligibility requirements and that all information you provide is accurate, complete, and truthful.
5. User Responsibilities
When using our Website, you agree to:
- Provide accurate, current, and complete information;
- Use the Website only for lawful purposes;
- Not use the Website in any manner that could disable, overburden, damage, or impair the site;
- Not attempt to gain unauthorized access to any part of the Website or its systems;
- Not use any automated system, software, or device to scrape, crawl, spider, or mine data from the Website;
- Not interfere with any other user's use and enjoyment of the Website.
6. Consent to Be Contacted (TCPA)
By submitting your information through our Website or calling any phone number displayed on our site, you expressly consent to be contacted by AutoCoverShield and its licensed insurance agent partners by telephone, text message (SMS), and email, including through the use of automated technology, prerecorded messages, artificial intelligence (AI), and automatic telephone dialing systems, at the phone number you provide, even if your number is listed on a state or federal Do Not Call registry.
You understand that consent is not a condition of purchase and that standard message and data rates may apply. You may opt out of text messages at any time by replying STOP. You may opt out of phone calls by requesting removal during any call or by contacting us at info@autocovershield.com.
7. Intellectual Property
All content on this Website, including but not limited to text, graphics, logos, icons, images, audio clips, software, and the overall design and layout ("Content"), is the property of AutoCoverShield or its licensors and is protected by United States and international copyright, trademark, patent, trade secret, and other intellectual property laws.
The AutoCoverShield name, logo, and all related names, logos, product and service names, designs, and slogans are trademarks of AutoCoverShield. You may not use, reproduce, distribute, modify, create derivative works from, publicly display, or exploit any Content without our prior written permission.
8. Third-Party Partners and Links
Our Website connects users with third-party licensed insurance agents, brokers, and insurance providers. We do not control, endorse, or assume responsibility for the conduct, services, products, content, privacy practices, or policies of any third-party partners.
Our Website may contain links to third-party websites. These links are provided for your convenience only. AutoCoverShield is not responsible for the content, accuracy, or practices of any linked third-party websites. Your interactions with third-party agents, providers, and websites are solely between you and those third parties.
9. Disclaimers
THE WEBSITE AND ALL CONTENT, SERVICES, AND FEATURES AVAILABLE THROUGH THE WEBSITE ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS, WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMITTED BY LAW, AUTOCOvershield DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, AND TITLE.
AUTOCOvershield DOES NOT WARRANT THAT THE WEBSITE WILL BE UNINTERRUPTED, TIMELY, SECURE, ERROR-FREE, OR FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS, OR THAT ANY DEFECTS WILL BE CORRECTED.
10. Limitation of Liability
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL AUTOCOvershield, ITS AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, OR LICENSORS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, PUNITIVE, OR EXEMPLARY DAMAGES, INCLUDING BUT NOT LIMITED TO DAMAGES FOR LOSS OF PROFITS, GOODWILL, USE, DATA, OR OTHER INTANGIBLE LOSSES, ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF THE WEBSITE OR ANY SERVICES OBTAINED THROUGH THE WEBSITE, OR YOUR INTERACTIONS WITH ANY THIRD-PARTY AGENT PARTNERS, WHETHER BASED ON WARRANTY, CONTRACT, TORT (INCLUDING NEGLIGENCE), OR ANY OTHER LEGAL THEORY, EVEN IF AUTOCOvershield HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
11. Indemnification
You agree to indemnify, defend, and hold harmless AutoCoverShield and its affiliates, officers, directors, employees, and agents from and against any and all claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys' fees) arising out of or in any way connected with your access to or use of the Website, your violation of these Terms, or your violation of any rights of another.
12. Dispute Resolution and Arbitration
Binding Arbitration
Any dispute, claim, or controversy arising out of or relating to these Terms or your use of the Website shall be resolved exclusively through binding arbitration administered by the American Arbitration Association ("AAA") in accordance with its Consumer Arbitration Rules. The arbitration shall be conducted on an individual basis only. YOU AGREE THAT YOU MAY BRING CLAIMS AGAINST AUTOCOvershield ONLY IN YOUR INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE PROCEEDING.
Class Action Waiver
TO THE FULLEST EXTENT PERMITTED BY LAW, YOU WAIVE ANY RIGHT TO PARTICIPATE IN CLASS ACTIONS, PRIVATE ATTORNEY GENERAL ACTIONS, OR CLASS-WIDE ARBITRATION AGAINST AUTOCOvershield. The arbitrator may not consolidate more than one person's claims and may not preside over any form of a representative or class proceeding.
Opt-Out
You may reject this arbitration provision and class action waiver by sending written notice to info@autocovershield.com within 30 days of first accepting these Terms. Your opt-out notice must include your name, address, phone number, and a clear statement that you wish to opt out of the arbitration agreement and class action waiver. If you opt out in accordance with these instructions, all other terms of these Terms shall remain in full force and effect.
Exceptions
Notwithstanding the foregoing, either party may bring an individual action in small claims court or seek injunctive or other equitable relief in a court of competent jurisdiction for matters related to intellectual property rights.
13. Governing Law
These Terms and any dispute arising out of or related to these Terms or the Website shall be governed by and construed in accordance with the laws of [STATE OF INCORPORATION], without regard to its conflict of law principles.
14. Changes to Terms
AutoCoverShield reserves the right to modify, amend, or update these Terms at any time in its sole discretion. Any changes will be effective immediately upon posting on the Website. Your continued use of the Website following the posting of revised Terms constitutes your acceptance of those changes. We encourage you to review these Terms periodically.
15. Contact
If you have any questions, concerns, or comments regarding these Terms and Conditions, please contact us:
- Email: info@autocovershield.com
- Website: autocovershield.com