Terms of Service

Effective October 1, 2025

These Terms of Service ("Terms") govern your access to and use of Covara's websites, software, and services (collectively, the "Platform"). By accessing or using the Platform, you agree to these Terms.

1. Scope

Covara provides tools that restructure insurance policy content into structured reports and offers AI chat functionality powered by third-party large language models (currently Google Gemini). The Platform is for informational purposes only. Covara does not sell insurance, place coverage, or act as a licensed insurance agent, broker, attorney, or fiduciary. Use of the Platform does not create any professional, advisory, or agency relationship.

2. User Content and License

You retain ownership of documents, policies, and other content you upload ("User Content"). You grant Covara a non-exclusive, worldwide, royalty-free license to process, host, and display User Content as necessary to operate the Platform's services. Covara may use de-identified or aggregated data derived from User Content for analytics, improvement, and commercial purposes (see Privacy Policy for details).

3. Outputs and Disclaimers

The Platform generates outputs, including Policy Genius Reports and AI chat responses ("Outputs"). Outputs may be inaccurate, incomplete, or misleading. Outputs are to be used as a tool to supplement, not replace, professional judgment.

Insurance Disclaimer: Outputs do not constitute coverage opinions, legal advice, or insurance advice. Always refer to the controlling terms and conditions of the actual insurance policy in evaluating appropriate insurance procurement. Always consult a qualified insurance professional or legal counsel before purchasing in insurance policy. You are solely responsible for decisions made in reliance on Outputs. Covara disclaims any liability arising from such reliance.

4. Prohibited Uses

You may not use the Platform to:

Violate any law or regulation.
Misrepresent Outputs as binding coverage opinions, certificates of insurance, or legal advice.
Submit infringing, unlawful, or harmful content.
Attempt to reverse engineer, copy, or create derivative works of Covara's systems.
Interfere with or disrupt the Platform.

5. Intellectual Property

Covara owns all rights in its software, schemas, and platform. You own your User Content and, subject to Section 3, your right to use Outputs. Nothing in these Terms grants you rights to Covara's trademarks, branding, or proprietary models.

6. Third-Party Services

The Platform rely on third-party providers (including Google Gemini). Covara disclaims liability for third-party services, outages, or errors.

7. Termination

Covara may suspend or terminate your access at any time for misuse, legal risk, or violation of these Terms.

8. Warranties and Disclaimers

The Services are provided "AS IS" and "AS AVAILABLE." Covara makes no warranties, express or implied, including fitness for a particular purpose, accuracy of Outputs, or non-infringement. Covara does not warrant that Outputs comply with insurance regulations or guarantee coverage outcomes.

9. Limitation of Liability

To the maximum extent permitted by law, Covara's liability is limited to the greater of $100 or the fees you paid to Covara in the 12 months preceding a loss. Covara is not liable for indirect, incidental, consequential, or punitive damages. Covara is not responsible for loss resulting from force majeure, including loss of access to third-party provide services.

10. Indemnification

You agree to indemnify and hold harmless Covara, its affiliates, and personnel from any claims, damages, or expenses arising from:

Your misuse of the Platform or Outputs;
Your reliance on Outputs in place of professional advice;
Your violation of these Terms or applicable law.

11. Governing Law and Dispute Resolution

These Terms are governed by the laws of the State of Texas, excluding conflict of law rules. All disputes must be resolved by binding arbitration in Texas under the rules of the American Arbitration Association. Class actions and jury trials are waived.

12. Changes to Terms

Covara may update these Terms from time to time. Material changes will be communicated through the Platform or via email. Continued use after changes take effect constitutes acceptance.