1. Acceptance

By accessing CoverWise, you agree to these terms. If you don't agree, please don't use the site.

2. Informational content only

All content is for general information and education. It is not financial, legal or insurance advice, and doesn't create any professional relationship. See our Disclaimer.

3. Intellectual property

All text, design and graphics on CoverWise are our property (or licensed to us) and protected by copyright law. You may share links to our pages and quote brief excerpts with attribution, but you may not republish substantial portions of our content without written permission.

4. Acceptable use

You agree not to misuse the site — including attempting to disrupt it, scrape it aggressively, or use it for unlawful purposes. We may block access for violations.

5. Third-party links and ads

We link to third-party sites and display third-party ads. We're not responsible for their content, accuracy or practices. Your dealings with advertisers are solely between you and them.

6. No warranties

The site is provided "as is" without warranties of any kind. Insurance pricing, rules and availability change; we work to keep content current but can't guarantee it is error-free or up to date at all times.

7. Limitation of liability

To the maximum extent permitted by law, CoverWise isn't liable for any loss arising from your use of (or reliance on) the site's content.

8. Changes

We may update these terms at any time; continued use of the site means you accept the current version.