Terms of Service

1. Acceptance of Terms

These Terms of Service (“Terms”) constitute a legally binding agreement between you and USAcovered (“we,” “our,” or “us”). By accessing or using our website, submitting an insurance quote request, or interacting with our services, you acknowledge that you have read, understood, and agree to be bound by these Terms.

If you do not agree with any part of these Terms, you must immediately discontinue use of this website.

2. Website Purpose & Agency Services

USAcovered operates as an independent insurance marketing and quote-request platform. We assist consumers by matching their insurance preferences with licensed insurance agents and top-rated insurance carriers (such as Mutual of Omaha, Transamerica, Aetna, or Lincoln National).

Important Notice: USAcovered is not an insurance carrier. We do not underwrite policies, issue insurance contracts, or guarantee coverage approvals directly. All policy underwriting, approval, and issuance are performed exclusively by licensed third-party insurance carriers.

3. User Eligibility & Information Accuracy

To use our quote request services, you represent and warrant that:

You are at least 18 years of age and reside in the United States.
All information you submit (including contact information, age, state of residence, and coverage interests) is accurate, current, and truthful.
You are requesting insurance information for yourself or an individual for whom you possess legal authority to act.

4. Express Written Consent to Contact (TCPA Disclosure)

By completing and submitting an insurance intake form on USAcovered, you grant your express written consent under the Telephone Consumer Protection Act (TCPA) to be contacted by USAcovered and its partner licensed insurance agents via phone calls, prerecorded voice messages, automated dialing technology, SMS text messages, and email.

📞 Consent Disclosure: You understand that consent is not a condition of purchase. Message and data rates may apply. You may opt out of texts by replying STOP or contact us directly at (929) 607-2484 to opt out of calls or emails at any time.

5. Quotes & Non-Binding Estimates

Any sample monthly premiums, coverage levels ($10,000–$25,000+), budget estimates, or carrier matching results displayed on our website are non-binding estimates intended solely for preliminary comparison. Final policy availability, rates, and coverage terms depend on formal application and carrier underwriting.

6. Intellectual Property Rights

All website graphics, logos, text, button designs, dynamic form builder software, layouts, and trademarks are the exclusive property of USAcovered ([TODO: Legal Business Name]) and protected by applicable copyright, trademark, and intellectual property laws. Unapproved copying, modification, or distribution is prohibited.

7. Limitation of Liability & Disclaimers

To the maximum extent permitted by applicable law, USAcovered shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from your use of this website, delay in services, or decisions made by third-party insurance carriers.

8. Governing Law & Contact Information

These Terms shall be governed by and construed in accordance with the laws of the State of [TODO: Governing State/Jurisdiction], without regard to its conflict of law principles. If you have questions regarding these Terms, contact us at:

[TODO: Legal Business Name]

Attn: Legal Department

[TODO: Corporate Street Address, City, State, ZIP]

Email: [TODO: Support Email - info@usacovered.us]

Phone: (929) 607-2484