Terms of Service

1. Agreement to Terms

Welcome to CoverLedger ("Company," "we," "our," or "us"). These Terms of Service ("Terms") govern your access to and use of our Certificate of Insurance (COI) tracking platform, website, and related services (collectively, the "Service").

By accessing or using our Service, you agree to be bound by these Terms and our Privacy Policy. If you do not agree to these Terms, you may not access or use the Service.

We reserve the right to modify these Terms at any time. Continued use of the Service after changes constitutes acceptance of the modified Terms.

2. Service Description

CoverLedger provides a cloud-based platform for managing certificates of insurance, including:

• Document upload and storage for insurance certificates
• AI-powered extraction of policy data
• Automated tracking of policy expiration dates
• Email alerts and notifications
• Insured management and portal access
• Compliance monitoring and reporting

We reserve the right to modify, suspend, or discontinue any part of the Service at any time with or without notice.

3. Account Registration and Security

3.1 Registration

To use the Service, you must create an account by providing accurate, complete, and current information. You must be at least 18 years old and have the legal authority to enter into these Terms.

3.2 Account Security

You are responsible for:

• Maintaining the confidentiality of your account credentials
• All activities that occur under your account
• Notifying us immediately of any unauthorized access
• Ensuring your account information remains accurate and up-to-date

We are not liable for any loss or damage arising from your failure to protect your account credentials.

3.3 Account Termination

We reserve the right to suspend or terminate your account at any time for violation of these Terms, fraudulent activity, or any other reason at our sole discretion.

4. Acceptable Use Policy

You agree not to:

• Violate any applicable laws or regulations
• Infringe upon intellectual property rights of others
• Upload malicious code, viruses, or harmful content
• Attempt to gain unauthorized access to the Service or other accounts
• Interfere with or disrupt the Service's operation
• Use the Service for any unlawful or fraudulent purpose
• Scrape, mine, or extract data without authorization
• Impersonate any person or entity
• Share your account credentials with others
• Use the Service to send spam or unsolicited communications

5. Subscriptions and Payments

5.1 Subscription Plans

Access to certain features requires a paid subscription. Pricing and plan details are available on our website and may change upon notice.

5.2 Billing

• Subscriptions are billed in advance on a recurring basis (monthly or annually)
• You authorize us to charge your payment method for all subscription fees
• Failure to pay may result in suspension or termination of your account
• All fees are non-refundable except as required by law or stated in our refund policy

5.3 Cancellation

You may cancel your subscription at any time. Cancellation takes effect at the end of the current billing period, and you will retain access until that time. No refunds are provided for partial periods.

5.4 Free Trials

We may offer free trials for new users. You may cancel before the trial ends to avoid charges. If you do not cancel, you will be automatically charged for a paid subscription.

6. Intellectual Property Rights

6.1 Our Rights

The Service, including all content, features, functionality, software, and design, is owned by CoverLedger and protected by United States and international copyright, trademark, and other intellectual property laws.

6.2 Your Rights

Subject to these Terms, we grant you a limited, non-exclusive, non-transferable license to access and use the Service for your internal business purposes.

6.3 Restrictions

You may not:

• Copy, modify, or create derivative works of the Service
• Reverse engineer, decompile, or disassemble the Service
• Remove or alter any proprietary notices
• Use the Service to develop competing products

7. User Content and Data Ownership

7.1 Your Data

You retain all ownership rights to the content and data you upload to the Service ("User Content"), including insurance documents, policy information, and business data.

7.2 License to Us

By uploading User Content, you grant us a worldwide, non-exclusive, royalty-free license to use, store, process, and display your User Content solely to provide and improve the Service. This includes using AI to extract and process data from your documents.

7.3 Responsibility

You are solely responsible for your User Content and represent that:

• You have the right to upload and use the User Content
• Your User Content does not violate any laws or third-party rights
• Your User Content does not contain malicious code or harmful content

8. AI-Powered Processing

Our Service uses artificial intelligence to extract and process information from insurance documents. You acknowledge and agree that:

• AI extraction may not be 100% accurate and should be reviewed
• You are responsible for verifying extracted information
• We are not liable for errors or omissions in AI-generated data
• AI processing is subject to the terms of our third-party AI providers

9. Disclaimers and Warranties

10. Limitation of Liability

11. Indemnification

You agree to indemnify, defend, and hold harmless CoverLedger and its officers, directors, employees, and agents from any claims, damages, losses, liabilities, and expenses (including attorneys' fees) arising from:

• Your use or misuse of the Service
• Your violation of these Terms
• Your violation of any rights of another party
• Your User Content

12. Termination

12.1 By You

You may terminate your account at any time by contacting us or using account settings. Upon termination, your right to use the Service ceases immediately.

12.2 By Us

We may terminate or suspend your account immediately, without notice, for:

• Violation of these Terms
• Non-payment of fees
• Fraudulent or illegal activity
• Any other reason at our sole discretion

12.3 Effect of Termination

Upon termination, we may delete your User Content. We recommend exporting your data before terminating your account. Provisions that should survive termination (including disclaimers, limitations of liability, and indemnification) will remain in effect.

13. Governing Law and Dispute Resolution

13.1 Governing Law

These Terms are governed by the laws of the United States, without regard to conflict of law principles.

13.2 Dispute Resolution

Any disputes arising from these Terms or the Service shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association, except as otherwise provided by law.

13.3 Class Action Waiver

You agree to resolve disputes on an individual basis only and waive any right to participate in class actions or class-wide arbitration.

14. General Provisions

14.1 Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and CoverLedger regarding the Service.

14.2 Severability

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions will remain in full force and effect.

14.3 Waiver

Our failure to enforce any right or provision of these Terms does not constitute a waiver of that right or provision.

14.4 Assignment

You may not assign or transfer these Terms without our written consent. We may assign these Terms without restriction.

14.5 Force Majeure

We are not liable for any failure or delay in performance due to circumstances beyond our reasonable control, including acts of God, natural disasters, war, terrorism, or service provider outages.

15. Contact Information

If you have questions about these Terms, please contact us: