Terms of Service

1. Who We Are, and What Covered Is

Covered is infrastructure that connects a product's owner with its manufacturer after the sale. We are not an insurance company, and we do not sell, underwrite, issue, or guarantee any warranty ourselves. Every warranty term, and every decision on a claim, belongs to the manufacturer of that product. Our role is to route registrations and claims accurately between consumers and manufacturers, and to keep both sides informed.

2. Eligibility

You must be at least 18 years old, and able to form a binding contract, to create an account. If you are creating a business account on behalf of a company, you represent that you have the authority to bind that company to these Terms.

3. Accounts

Consumer accounts

Consumer accounts sign in with an email address and a password, or through Google, Facebook or Apple. You may also add a passkey to sign in with your device. You are responsible for keeping your password confidential, for maintaining access to and control over the email address associated with your account, since it is how your account is recovered, and for all activity that happens under your account. Notify us immediately if you lose access to that address or suspect unauthorized use of your account.

Business accounts

Business accounts sign in with an email address and password. You are responsible for keeping your password confidential, for all activity that occurs under your account, and, if you are an administrator, for the actions of every team member you invite. Removing a team member ends their access immediately, but does not undo actions they already took.

Accuracy of information

You agree to provide accurate, current, and complete information when creating an account or registering a product, and to keep it up to date.

4. Product Registration

A registration code can be claimed once. Registering a product tells us, and the relevant manufacturer, that you own the product, along with any serial number and purchase date you provide. Provide accurate information. Inaccurate information can delay or result in the denial of a later warranty claim.

5. Filing and Handling Claims

Filing a claim submits it to the manufacturer of that product for review. Covered does not evaluate, approve, reject, or fund any claim. The manufacturer does, under the warranty terms that came with the product, and Covered is not a party to that warranty. Submitting false or intentionally misleading information in a claim may result in denial of the claim and, at the manufacturer's discretion, removal of the associated registration or suspension of your account.

6. Manufacturer (Business) Terms

If you use Covered on behalf of a manufacturer, you are additionally responsible for:

• The accuracy of the product catalog and warranty information you publish
• Responding to claims filed against your products in good faith and in a commercially reasonable time
• The conduct of every team member your administrators add to your account
• Complying with all laws applicable to the warranties and claims you administer through the Services

Administrators may add, change the role of, or remove team members at any time. An account may not be left without at least one administrator.

7. Acceptable Use

You agree not to:

• Submit fraudulent, false, or misleading registrations or claims
• Impersonate any person or entity, or misrepresent your affiliation with a person or entity
• Attempt to access another user's or business's account or data without authorization
• Interfere with or disrupt the integrity or performance of the Services, including by introducing malware or attempting to bypass security measures
• Use the Services to violate any applicable law
• Scrape, reverse-engineer, or use automated means to access the Services beyond normal use, except as permitted by an API we make available for that purpose
• Resell, sublicense, or otherwise make the Services available to any third party not authorized by these Terms

We may investigate and take appropriate action against anyone who violates this section, including removing content, suspending or terminating accounts, and reporting conduct to law enforcement.

8. Content You Submit

When you submit content to the Services, such as claim photos, video, or descriptions, you retain ownership of it. You grant Covered a worldwide, non-exclusive, royalty-free license to host, store, reproduce, and display that content solely for the purpose of operating the Services, including sharing it with the manufacturer relevant to your claim. You represent that you have the right to submit the content, and that it does not infringe any third party's rights.

9. Intellectual Property

The Services, including their design, text, graphics, logos, and underlying software, are owned by Covered or our licensors and are protected by intellectual property laws. Except for the limited right to use the Services as intended, these Terms do not grant you any right, title, or interest in our intellectual property. “Covered” and our logo are trademarks of Covered; you may not use them without our prior written permission.

10. Third-Party Links and Services

The Services may link to or integrate with third-party websites or services, such as a manufacturer's own site. We do not control and are not responsible for third-party content, products, or practices. Your use of any third-party site is at your own risk and subject to that site's own terms.

11. Disclaimers

THE SERVICES ARE PROVIDED “AS IS” AND “AS AVAILABLE,” WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING WITHOUT LIMITATION IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICES WILL BE UNINTERRUPTED, ERROR-FREE, OR SECURE, OR THAT ANY DEFECT WILL BE CORRECTED. COVERED IS NOT A PARTY TO, AND DOES NOT GUARANTEE THE OUTCOME OF, ANY WARRANTY OR CLAIM BETWEEN YOU AND A MANUFACTURER.

12. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, COVERED AND ITS OFFICERS, EMPLOYEES, AND AGENTS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, REVENUE, DATA, OR GOODWILL, ARISING FROM OR RELATED TO YOUR USE OF THE SERVICES, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. OUR TOTAL LIABILITY FOR ANY CLAIM ARISING FROM THESE TERMS OR THE SERVICES WILL NOT EXCEED THE GREATER OF (A) ONE HUNDRED DOLLARS ($100), OR (B) THE AMOUNT YOU PAID US, IF ANY, IN THE TWELVE MONTHS BEFORE THE CLAIM AROSE.

Some jurisdictions do not allow the exclusion or limitation of certain damages, so some of the above limitations may not apply to you.

13. Indemnification

You agree to indemnify and hold harmless Covered and its officers, employees, and agents from any claim, demand, loss, or damages, including reasonable attorneys' fees, arising out of your use of the Services, your violation of these Terms, or your violation of any rights of a third party.

14. Termination

You may stop using the Services, or delete your account, at any time. We may suspend or terminate your access to the Services at any time, with or without notice, for conduct that we believe violates these Terms, harms other users, or exposes us to liability. Sections of these Terms that by their nature should survive termination, including ownership, disclaimers, limitation of liability, and dispute resolution, will survive.

15. Dispute Resolution and Arbitration Agreement

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

Informal resolution first

Before filing a claim against Covered, you agree to first contact us at hello@coveredwarranties.com and attempt to resolve the dispute informally for at least 30 days.

Binding arbitration

If we cannot resolve a dispute informally, you and Covered agree that any dispute arising out of or relating to these Terms or the Services will be resolved by binding, individual arbitration, rather than in court, except that either party may bring an individual claim in small claims court.

Class action waiver

You and Covered agree that any arbitration or proceeding will be conducted only on an individual basis and not as a class, consolidated, or representative action.

Opt-out

You may opt out of this arbitration agreement by emailing hello@coveredwarranties.com within 30 days of first agreeing to these Terms, stating that you decline to be bound by it.

Governing law

These Terms are governed by the laws of the State of Delaware, without regard to its conflict-of-laws principles, and any dispute not subject to arbitration will be brought exclusively in the state or federal courts located in Delaware.

16. Changes to the Services or These Terms

We may modify or discontinue any part of the Services at any time. We may update these Terms from time to time; if we make a material change, we will update the effective date above and, where required, provide additional notice. Your continued use of the Services after a change takes effect constitutes acceptance of the revised Terms.

17. General Provisions

If any provision of these Terms is found unenforceable, the remaining provisions will remain in full force and effect. Our failure to enforce any right or provision of these Terms will not be considered a waiver of that right. These Terms, together with our Privacy Policy, constitute the entire agreement between you and Covered regarding the Services. You may not assign these Terms without our prior written consent; we may assign them freely.

18. Contact Us

Questions about these Terms can be sent through our contact page, or by emailing hello@coveredwarranties.com.