Terms of Service

These Terms of Service (the "Terms") form a binding legal agreement between you ("you" or "user") and RETOR LLC, doing business as CoverageScout ("CoverageScout," "we," "us," or "our"), governing your access to and use of the website coverage-scout.com (the "Website"), all related online and offline services, content, features, and tools we provide (collectively, the "Services").

By accessing or using the Website or Services, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy, which is incorporated by reference. If you do not agree to these Terms, do not access or use the Website or Services.

You represent and warrant that you are at least 18 years of age (or the age of majority in your jurisdiction) and have the legal capacity to enter into a binding agreement. The Services are not directed to and may not be used by individuals under 18.

These Terms include important provisions that limit our liability and govern dispute resolution, including a binding arbitration agreement and class-action waiver in Section 14. Please read them carefully.

CoverageScout provides an educational and matchmaking service that:

• Helps consumers identify commonly overlooked liability coverage gaps in standard homeowners, automobile, and umbrella insurance policies
• Provides general educational content about insurance coverage categories
• Connects interested consumers with licensed specialty insurance agents and brokers ("Partner Agents") who may offer to review the consumer's specific situation and quote insurance products

2.1 What CoverageScout Is Not

CoverageScout is not a licensed insurance agent, insurance broker, insurance carrier, insurance underwriter, or financial advisor. We do not:

• Sell, solicit, negotiate, quote, or bind insurance
• Issue insurance policies
• Determine premiums or coverage terms
• Provide insurance, legal, tax, or financial advice
• Make coverage recommendations specific to your situation
• Hold customer funds, deposits, or premium payments
• Act as fiduciary in any capacity

All actual insurance advice, quoting, underwriting, and policy issuance is performed solely by Partner Agents and the carriers they represent, each of whom operates under their own licenses, agreements, and regulatory obligations. CoverageScout's role is limited to general education and matchmaking.

2.2 No Endorsement of Partner Agents

CoverageScout does not endorse, certify, guarantee, warrant, or otherwise vouch for the quality, expertise, advice, conduct, or services of any Partner Agent or insurance carrier with whom we connect you. Partner Agents are independent third parties. Your engagement with them, and any insurance product they offer, is between you and the Partner Agent or carrier directly.

You are solely responsible for evaluating any Partner Agent or insurance product before engaging.

You must be at least 18 years old and a legal resident of the United States to use the Services. The Services are intended for use only within the United States. By using the Services, you represent that you meet these requirements.

We currently do not offer user accounts. If we offer accounts in the future, additional terms will apply.

When you submit information through the Website or via a partner advertising platform (such as Meta or Google) presenting our advertisements, you represent and warrant that:

• All information you provide is accurate, current, and complete to the best of your knowledge
• You are the individual described in the submission, or you have authorization to submit on that individual's behalf
• Your submission does not violate any law or third-party right
• You are not submitting information about a minor under 18 without proper authorization

You are solely responsible for the accuracy and lawfulness of any information you submit. CoverageScout has no obligation to verify the information you provide and may rely on it as submitted.

We reserve the right to refuse, decline, or terminate Services to any user for any lawful reason, including suspected fraud, misrepresentation, or violation of these Terms.

By submitting your contact information through the Services or partner advertising platforms, you consent to receive communications from us and our Partner Agents as described below.

5.1 Email Communications

You consent to receive emails from us related to your inquiry, our Services, and (with your separate affirmative consent or as otherwise permitted by law) marketing or promotional communications. You may unsubscribe from marketing emails at any time using the unsubscribe link included in any such email. Transactional and service-related emails may continue regardless of marketing-email unsubscription, consistent with applicable law.

5.2 Telephone and SMS Consent (TCPA)

By providing your telephone number with affirmative consent, you provide express written consent under the Telephone Consumer Protection Act ("TCPA"), 47 U.S.C. § 227 and 47 C.F.R. § 64.1200, to receive telephone calls and/or SMS text messages from CoverageScout and Partner Agents at the number provided. Such contact may be made using automatic telephone dialing systems, prerecorded or artificial-voice messages, regardless of whether the number is on any state or federal Do-Not-Call list. Standard message and data rates may apply.

Consent is not a condition of any purchase or service. You may revoke consent at any time by:

• Replying STOP to any SMS message
• Following unsubscribe instructions in any email
• Contacting us at contact@coverage-scout.com with the subject line "Revoke Consent"

After revocation, you may still receive a confirmation message and limited transactional or service-related communications consistent with applicable law.

5.3 Communications from Partner Agents

When we route your inquiry to a Partner Agent, that Partner Agent may contact you directly. Partner Agents operate under their own privacy practices and TCPA consent obligations. You may opt out of Partner Agent communications by following the opt-out mechanisms provided by that Partner Agent.

You agree not to:

• Use the Services in any manner that violates applicable law, regulation, or ordinance
• Provide false, misleading, or fraudulent information
• Submit information about another person without authorization
• Harvest, scrape, copy, or otherwise collect information from the Website using automated means without our prior written consent
• Reverse-engineer, decompile, or attempt to extract the source code of any software underlying the Services
• Use the Services to transmit malware, spam, or other harmful content
• Attempt to gain unauthorized access to any portion of the Website, our systems, or our partners' systems
• Interfere with or disrupt the integrity or performance of the Services
• Use the Services to engage in any activity that could harm CoverageScout, Partner Agents, other users, or third parties
• Use the Services in any manner that could constitute the unauthorized practice of insurance, law, accounting, or any other regulated profession
• Misrepresent your affiliation with us or imply endorsement by us where none exists

We reserve the right to investigate suspected violations and to pursue all available legal and equitable remedies.

7.1 Our Content

All content on the Website — including text, graphics, logos, icons, images, audio clips, video clips, data compilations, software, and the design and layout of the Website — is the property of RETOR LLC or its licensors and is protected by United States and international intellectual property laws. The CoverageScout name, logo, and related marks are trademarks of RETOR LLC.

You are granted a limited, non-exclusive, non-transferable, revocable license to access and view the Website and Services for your personal, non-commercial use, subject to these Terms. No other rights are granted. Any use beyond the limited license requires our prior written consent.

7.2 Your Submissions

You retain ownership of any information you submit to us. By submitting information, you grant CoverageScout a worldwide, non-exclusive, royalty-free, sublicensable, transferable license to use, store, process, transmit, modify, display, and otherwise handle that information solely as necessary to provide the Services, comply with applicable law, and as described in our Privacy Policy.

You represent and warrant that you have the right to grant this license and that your submission does not violate any third-party rights.

7.3 Feedback

If you provide feedback, suggestions, or ideas about the Services, you grant CoverageScout a perpetual, irrevocable, royalty-free, worldwide license to use such feedback for any purpose without obligation or compensation to you.

The Website may contain links to third-party websites, services, or resources, including Partner Agents and advertising platforms. We do not control these third parties and are not responsible for their content, products, services, privacy practices, or any harm arising from your use of them. Your interactions with third parties are solely between you and that third party.

We do not endorse any third-party site, service, or product unless we expressly state otherwise.

9.1 General Disclaimer

The Website and Services are provided on an "as is" and "as available" basis, without warranties of any kind, whether express, implied, or statutory. To the maximum extent permitted by applicable law, CoverageScout disclaims all warranties, including (without limitation) implied warranties of merchantability, fitness for a particular purpose, non-infringement, title, accuracy, completeness, and quiet enjoyment.

9.2 No Insurance, Legal, or Financial Advice

Information provided through the Website or Services is general in nature and is not insurance, legal, tax, or financial advice. No information on the Website should be relied upon as a substitute for individualized advice from a licensed insurance agent, broker, attorney, accountant, or other qualified professional.

You are solely responsible for evaluating your own insurance needs and for consulting appropriate licensed professionals before making coverage decisions.

9.3 No Guarantee of Outcomes

We do not guarantee:

• That you will receive a quote, policy, or any specific outcome from a Partner Agent or carrier
• That coverage offered by any Partner Agent will be appropriate, sufficient, available, or affordable for your situation
• That information on the Website is current, complete, accurate, or applicable to your specific circumstances
• That the Services will be uninterrupted, secure, error-free, or free of viruses or other harmful components
• The conduct, performance, or results of any Partner Agent or carrier

9.4 Public-Records Information

Where we augment your inquiry with publicly available information (as described in the Privacy Policy), such information is sourced from public databases that we do not control and may contain errors, omissions, or outdated entries. We make no warranty regarding the accuracy or completeness of public-records information.

9.5 State-Specific Limitations

Some states do not allow the exclusion of certain warranties or the limitation of certain damages. To the extent any provision of this Section 9 is unenforceable in your jurisdiction, the remaining provisions remain in full force and effect, and the unenforceable provision shall be enforced to the maximum extent permitted by applicable law.

To the maximum extent permitted by applicable law, in no event will CoverageScout, RETOR LLC, or their respective officers, directors, members, managers, employees, agents, affiliates, licensors, or service providers be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, including (without limitation) loss of profits, revenue, data, goodwill, business opportunity, or insurance coverage, arising from or related to your use of, or inability to use, the Website or Services, even if we have been advised of the possibility of such damages, and regardless of whether the claim is based in contract, tort (including negligence), statute, or any other legal theory.

In no event will our total cumulative liability to you from all causes of action arising from or related to these Terms or the Services exceed the greater of (a) one hundred dollars (US $100.00) or (b) the total amount you have paid to CoverageScout, if any, in the twelve (12) months preceding the event giving rise to the claim.

This limitation is a fundamental element of the bargain between you and CoverageScout. The Services would not be provided without these limitations.

10.1 No Liability for Partner Agent Conduct

We are not liable for any acts, omissions, advice, recommendations, conduct, or services of any Partner Agent or insurance carrier. Your relationship with any Partner Agent or carrier is independent of your relationship with us. Disputes regarding insurance products, advice, claims, or service must be addressed directly with the Partner Agent, the carrier, or the applicable state insurance regulator.

10.2 State-Specific Limitations

Some states do not allow the limitation or exclusion of liability for certain damages, including incidental or consequential damages. To the extent any provision of this Section 10 is unenforceable in your jurisdiction, the remaining provisions remain in full force and effect, and the unenforceable provision shall be limited or excluded to the maximum extent permitted by applicable law.

You agree to defend, indemnify, and hold harmless CoverageScout, RETOR LLC, and their respective officers, directors, members, managers, employees, agents, affiliates, licensors, and service providers (collectively, the "Indemnitees") from and against any and all claims, demands, suits, proceedings, losses, damages, liabilities, costs, and expenses (including reasonable attorneys' fees and litigation costs) arising from or related to:

• Your use of, or interaction with, the Website or Services
• Your breach of these Terms or the Privacy Policy
• Your violation of any applicable law, regulation, or third-party right
• Any information you submit being false, inaccurate, fraudulent, or unauthorized
• Your interactions with any Partner Agent or insurance carrier
• Any insurance coverage decision you make or fail to make based on information from the Services

We reserve the right, at our own expense, to assume exclusive defense and control of any matter subject to indemnification by you. You agree to cooperate with our defense of such matters. You will not settle any matter that affects the Indemnitees without our prior written consent.

We may suspend or terminate your access to the Website or Services at any time, with or without cause, with or without notice, including for any suspected violation of these Terms or applicable law.

You may stop using the Services at any time. Termination does not relieve you of obligations that arose prior to termination.

The provisions of these Terms that by their nature should survive termination shall survive, including (without limitation) Sections 4 (your obligations regarding submissions), 7 (intellectual property), 9 (disclaimers), 10 (limitation of liability), 11 (indemnification), 13 (governing law), 14 (arbitration and class-action waiver), 15 (statute of limitations), and 17 (general).

These Terms and any dispute arising from or related to them or the Services are governed by the laws of the State of Connecticut, without regard to its conflict-of-laws principles, and applicable United States federal law.

Subject to Section 14 (Arbitration), any judicial proceeding permitted under these Terms shall be brought exclusively in the state or federal courts located in Hartford County, Connecticut, and you consent to the personal jurisdiction of those courts and waive any objection to inconvenient forum.

Please read this section carefully. It affects your legal rights, including your right to file a lawsuit in court and to have a jury hear your claims.

14.1 Agreement to Arbitrate

You and CoverageScout agree that any dispute, claim, or controversy arising out of or relating to these Terms, the Privacy Policy, the Website, the Services, or your relationship with us (a "Dispute") shall be resolved by binding individual arbitration rather than in court, except as provided in Section 14.4.

The arbitration shall be administered by the American Arbitration Association ("AAA") under its Consumer Arbitration Rules then in effect (available at adr.org), as modified by these Terms. The arbitrator's decision shall be final and binding, and judgment on the award may be entered in any court of competent jurisdiction.

The Federal Arbitration Act, 9 U.S.C. § 1 et seq. ("FAA"), governs the interpretation and enforcement of this arbitration provision. The arbitrator, not any court or agency, shall have exclusive authority to decide all issues regarding the formation, interpretation, applicability, enforceability, scope, or waiver of this arbitration agreement, except that disputes regarding the enforceability of the class-action waiver in Section 14.3 shall be decided by a court.

14.2 Arbitration Procedures

Arbitration shall be conducted in Hartford County, Connecticut unless you and we agree otherwise. The arbitrator shall apply the substantive law specified in Section 13. Each party shall bear its own attorneys' fees and costs except as otherwise provided in the AAA rules or by applicable law.

If the value of your claim is $10,000 or less, you may elect to have the arbitration conducted entirely on the basis of written submissions, by telephone, or in person.

14.3 Class-Action Waiver

You and CoverageScout agree that each party may bring claims against the other only in an individual capacity and not as a plaintiff or class member in any purported class, collective, or representative action.

The arbitrator may not consolidate claims of multiple users or preside over any form of representative or class proceeding.

If this class-action waiver is found unenforceable as to any claim or remedy, that claim or remedy (and only that claim or remedy) shall be severed and adjudicated in court, while all other claims subject to arbitration shall remain in arbitration.

14.4 Exceptions to Arbitration

This arbitration agreement does not apply to:

• Claims that may be brought in small-claims court (provided they remain in small-claims court and are not removed or appealed to a court of general jurisdiction)
• Claims for injunctive or equitable relief related to intellectual property infringement
• Claims that, under applicable law, cannot be subject to mandatory pre-dispute arbitration

14.5 Right to Opt Out

You may opt out of this arbitration agreement by sending written notice to CoverageScout at contact@coverage-scout.com with the subject line "Arbitration Opt-Out" within 30 days of first agreeing to these Terms. Your notice must include your full name, mailing address, and a clear statement that you wish to opt out of arbitration. Opting out will not affect any other portion of these Terms.

14.6 Survival

This arbitration agreement and class-action waiver survive termination of these Terms or your relationship with us.

To the maximum extent permitted by applicable law, any claim or cause of action arising out of or related to these Terms or the Services must be filed within ONE (1) YEAR after such claim or cause of action arose, or be permanently barred. This shortened limitation period applies to the maximum extent permitted by your jurisdiction. Where state law prohibits a contractually shortened limitation period, the applicable statutory limitation period shall apply.

By using the Services, you consent to receive communications from us in electronic form, including (without limitation) email, SMS, and notices posted on the Website. You agree that all agreements, notices, disclosures, and other communications we provide electronically satisfy any legal requirement that such communications be in writing.

You acknowledge your right under the federal Electronic Signatures in Global and National Commerce Act ("E-SIGN Act"), 15 U.S.C. § 7001 et seq., to receive paper copies of certain communications. You may request paper copies by contacting contact@coverage-scout.com. You may withdraw your consent to electronic communications at any time by notifying us at the same address; however, doing so may result in our inability to provide certain Services.

17.1 Entire Agreement

These Terms, together with the Privacy Policy and any other policies referenced herein, constitute the entire agreement between you and CoverageScout regarding the Services and supersede any prior agreements, communications, or understandings (whether written or oral) on the same subject.

17.2 Severability

If any provision of these Terms is held invalid, illegal, or unenforceable, that provision shall be severed and the remaining provisions shall remain in full force and effect. The invalid provision shall be replaced with a valid provision that most closely approximates the intent and economic effect of the invalid provision, to the extent permitted by applicable law.

17.3 No Waiver

Our failure to enforce any right or provision of these Terms is not a waiver of that right or provision. Any waiver must be in writing and signed by an authorized representative of CoverageScout.

17.4 Assignment

You may not assign or transfer these Terms or any rights or obligations under them without our prior written consent. We may assign these Terms freely, including in connection with a merger, acquisition, sale of assets, or by operation of law.

17.5 No Agency

Nothing in these Terms creates any agency, partnership, joint venture, employment, or fiduciary relationship between you and CoverageScout. Neither party has authority to bind the other.

17.6 Force Majeure

We are not liable for any failure or delay in performance caused by circumstances beyond our reasonable control, including (without limitation) acts of God, natural disasters, war, terrorism, civil unrest, governmental action, labor disputes, internet or telecommunications failures, supply chain disruption, or pandemic.

17.7 Notices

Any notice required or permitted under these Terms shall be in writing and delivered to:

• For notices to CoverageScout: RETOR LLC, 21 Olde Wood Rd, Glastonbury, CT 06033 / Email: contact@coverage-scout.com
• For notices to you: the email address most recently provided to us

17.8 Headings and Interpretation

Section headings are for convenience only and do not affect the interpretation of these Terms. The words "include," "including," and similar terms are not limiting. References to "days" mean calendar days unless otherwise specified.

17.9 Government Use

The Services are not designed, intended, or authorized for use by any United States government agency or contractor in connection with classified or otherwise sensitive activity. Any government use must be subject to a separate written agreement.

We may modify these Terms at any time. The "Last Updated" date at the top reflects the most recent version. Material changes will be communicated through prominent notice on the Website (such as a banner notification) and, where required, by direct notice to you.

Your continued use of the Website or Services after changes are posted constitutes your acceptance of the revised Terms. If you do not agree to the revised Terms, you must stop using the Services.

For questions about these Terms or the Services:

Email: contact@coverage-scout.com
Subject line: "Terms of Service Inquiry"
Mailing Address: RETOR LLC, 21 Olde Wood Rd, Glastonbury, CT 06033

By using the Website or Services, you acknowledge that you have read these Terms of Service, understand them, and agree to be bound by them. If you do not agree, do not access or use the Website or Services.

CoverageScout is an educational and matchmaking service operated by RETOR LLC. We are not insurance agents and do not provide insurance, legal, or financial advice. Information provided through the Services is general in nature and is not a substitute for advice from a licensed professional regarding your specific situation.

End of Terms of Service.