Terms of Service

1. Introduction

These Terms of Service ("Terms") govern your use of the services provided by CoverNode ("we," "us," or "our"), including our website at covernode.io and any SMS/text messaging services. By using our services, you agree to these Terms.

2. Services

CoverNode provides insurance technology services, including policy administration, claims management, and related tools for insurance carriers and agencies. We may also provide policy notifications and customer service communications via SMS/text messaging to users who have opted in.

3. SMS/Text Messaging Terms

You may opt in to receive SMS/text messages by texting START to our phone number or by providing your phone number during account registration. By opting in, you agree to the following:

• Consent: You consent to receive SMS/text messages from CoverNode at the phone number you provide. Your consent is not a condition of any purchase.
• Message Types: Messages may include policy notifications, claims updates, payment reminders, and account notifications.
• Message Frequency: Message frequency varies based on your interactions with our services.
• Costs: Message and data rates may apply. Please contact your mobile carrier for details about your plan.
• Opt-Out: You may opt out of receiving SMS messages at any time by replying STOP to any message. After opting out, you will receive a one-time confirmation message. You will not receive any further messages unless you re-subscribe.
• Help: For help with SMS messaging, reply HELP to any message.
• Carriers: Carriers are not liable for delayed or undelivered messages.

4. Intellectual Property

All content on our website and in our communications, including text, graphics, and logos, is the property of CoverNode and is protected by applicable intellectual property laws.

5. Limitation of Liability

To the fullest extent permitted by law, CoverNode shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of our services, including SMS messaging services.

6. Changes to These Terms

We reserve the right to update these Terms at any time. Changes will be posted on this page with an updated "Last updated" date. Continued use of our services after changes constitutes acceptance of the updated Terms.

7. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Delaware, without regard to its conflict of law provisions.

8. Contact Us

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

• Email: andrew@covernode.io
• Address: 2 Crawford Terrace, Riverside, CT 06878