Last updated: May 29, 2026

Terms of Use

These Terms of Use (“Terms”) govern your access to and use of the websites, forms, and services provided by Couvaro (“Couvaro,” “we,” “us,” or “our”) (the “Services”). By accessing or using the Services, you agree to these Terms. If you do not agree, do not use the Services.

1. Eligibility

You must be at least 18 years old and able to form a binding contract to use the Services. By using the Services, you represent that you meet these requirements and that the information you provide is accurate and your own.

2. The Services

The Services allow you to submit information through forms to request coverage, sign acknowledgments and waivers, and request to be contacted about insurance products and services. Couvaro operates these forms on its own behalf and on behalf of partners, including venues, programs, insurance carriers, agencies, and licensed producers. Couvaro is not an insurer and does not underwrite insurance.

3. Consent to Be Contacted (TCPA)

If you provide consent on a form, you agree that Couvaro and the partners identified in the consent disclosure shown to you may contact you at the phone number and email address you provide for marketing purposes, including by automated telephone dialing systems, prerecorded or artificial voice messages, artificial intelligence, email, and text message. Consent is not a condition of any purchase. Message and data rates may apply, and message frequency may vary. You may reply STOP to opt out of text messages and HELP for help, and you may unsubscribe from marketing emails using the link in those emails. Additional detail is provided in our Privacy Policy.

4. Accuracy and Your Responsibilities

You agree to provide accurate, current, and complete information and not to submit information on behalf of another person without authorization. You will not misuse the Services, interfere with their operation, attempt to gain unauthorized access, or use them for unlawful purposes.

5. No Insurance, Legal, or Financial Advice

Content provided through the Services is for general informational purposes and is a summary only. It is not insurance, legal, tax, or financial advice, and it does not create an insurance contract. Coverage, eligibility, terms, and benefits are governed solely by the applicable policy or program documents and applicable law, which control in the event of any conflict with the Services.

6. Intellectual Property

The Services, including their content, design, logos, and trademarks, are owned by Couvaro or its licensors and are protected by intellectual property laws. We grant you a limited, revocable, non-exclusive, non-transferable license to use the Services for their intended purpose. All other rights are reserved.

7. Third-Party Services and Links

The Services rely on and may link to third-party services and partners that operate under their own terms and privacy policies, including our consent-verification provider, ActiveProspect TrustedForm. We are not responsible for third-party services or content.

8. Disclaimers

The Services are provided “as is” and “as available” without warranties of any kind, whether express, implied, or statutory, including implied warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that the Services will be uninterrupted, error-free, or secure.

9. Limitation of Liability

To the fullest extent permitted by law, Couvaro and its affiliates, officers, employees, and agents will not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or for lost profits, revenues, data, or goodwill, arising out of or relating to your use of the Services. To the fullest extent permitted by law, our total liability for any claim relating to the Services will not exceed one hundred U.S. dollars (US$100).

10. Indemnification

You agree to indemnify and hold harmless Couvaro and its affiliates from any claims, losses, liabilities, and expenses (including reasonable attorneys’ fees) arising out of your use of the Services, your submissions, or your violation of these Terms or applicable law.

11. Binding Arbitration and Class Action Waiver

Except for matters that may be brought in small claims court, any dispute, claim, or controversy arising out of or relating to these Terms or the Services will be resolved by final and binding arbitration administered on an individual basis. You and Couvaro each waive the right to a trial by jury and the right to participate in a class, collective, consolidated, or representative action. The arbitrator, and not any court, will have exclusive authority to resolve any dispute relating to the interpretation, applicability, or enforceability of this arbitration agreement, except that a court may decide whether the class action waiver is enforceable. If the class action waiver is found unenforceable as to a particular claim, that claim, and only that claim, will be severed and may proceed in court.

You may opt out of this arbitration agreement within 30 days of first accepting these Terms by sending written notice to info@couvaro.com with your name and a statement that you wish to opt out of arbitration. Opting out will not affect any other provision of these Terms.

12. Governing Law

These Terms are governed by the laws of the State of California, without regard to its conflict-of-laws rules, except that the Federal Arbitration Act governs the interpretation and enforcement of Section 11. Subject to Section 11, the state and federal courts located in California will have exclusive jurisdiction over any matters not subject to arbitration.

13. Changes to the Services or Terms

We may modify or discontinue the Services and may update these Terms from time to time. We will post the updated Terms with a revised “Last updated” date, and your continued use of the Services after changes are posted constitutes acceptance of the updated Terms.

14. Contact Us

Couvaro
Email: info@couvaro.com
Web: couvaro.com