Disclaimer

1. Scope and Relationship to Other Terms

This Disclaimer applies to CoverAI.net, Simon, website forms, articles, guides, calculators, comparison content, links, referral workflows, and general communications made through the website by Cover AI LLC (“Cover AI,” “we,” “us,” or “our”). It should be read together with the Cover AI Terms of Use, Privacy Policy, SMS Communications Policy, form-specific disclosures, and any other notice presented for a particular transaction.

An issued insurance policy, carrier application, carrier notice, partner agreement, public-adjuster contract, consulting agreement, or other separately executed transaction document may contain additional or different terms. Those documents control the applicable transaction to the extent of a conflict. This Disclaimer does not amend an insurance policy, expand or restrict coverage, create consent to marketing, or alter rights that cannot lawfully be waived.

2. Cover AI’s Role and Service Area

Cover AI may act in different, limited capacities depending on the transaction: as a licensed independent insurance agency, a technology and marketing platform, a referral source, or a provider under a separate written risk-consulting engagement. Cover AI is not an insurance company, does not assume insurance risk, and does not control an insurer’s underwriting, pricing, policy issuance, cancellation, renewal, claim investigation, or claim decision.

Cover AI provides licensed insurance agency services in Illinois and Texas. In other states, Cover AI may provide general insurance information and may facilitate a referral to an independent provider licensed in the applicable state. Cover AI does not sell, solicit, negotiate, bind, issue, or service insurance in a state where it is not properly licensed and authorized.

A public webpage, category, search result, indexed or cached page, archived description, translated page, carrier logo, or reference to a product does not establish that the product is currently offered, available, or appropriate. Availability is determined at the time of the request based on licensing, appointments, carrier eligibility, underwriting, product rules, and applicable law.

3. No Binding Coverage; Policy Documents Control

Nothing on CoverAI.net binds, issues, renews, changes, endorses, cancels, or confirms insurance coverage. A form submission, chat response, email, telephone call, text message, estimate, indication, certificate request, payment entry, application, or document upload does not create or change coverage unless an authorized insurer or its authorized representative expressly confirms the action in the manner required for that transaction.

The issued policy, declarations, forms, endorsements, exclusions, conditions, and written carrier notices control. Website summaries and explanations are general and may not describe every term, limitation, condition, or exclusion. A certificate of insurance is evidence of information only and does not amend, extend, or create coverage or confer rights beyond the policy.

Do not cancel existing insurance, allow coverage to expire, begin an activity, sign a contract, or assume that coverage exists based only on website content or an unconfirmed request. Obtain written confirmation from the issuing insurer or its properly authorized representative.

4. Quotes, Applications, and Insurance Decisions

Any quote, rate, premium, savings estimate, eligibility indication, coverage comparison, or product description is preliminary unless the issuing insurer states otherwise in writing. It may change after verification, underwriting, inspection, record review, loss-history review, credit-based insurance information where permitted, or other carrier requirements. Cover AI does not guarantee that an insurer will quote, issue, renew, or maintain a policy, or that any option will be the lowest-priced, broadest, or best option for you.

You are responsible for providing complete and accurate information and for promptly disclosing material changes. Misstatements, omissions, or late information may affect eligibility, premium, policy validity, cancellation, renewal, or a claim, as determined by the insurer and applicable law. A website field is not a complete statement of every fact that may be material; ask the responsible licensed producer or insurer if you are uncertain.

5. General Information; No Individualized Professional Advice

Articles, FAQs, checklists, examples, educational materials, and general responses are provided for informational purposes. They are not a complete analysis of your risk, policy, contract, business, property, claim, or legal obligations. General website use does not appoint Cover AI as your exclusive agent or broker, create a fiduciary relationship, or require Cover AI to monitor your coverage, renewals, deadlines, laws, contracts, or changing circumstances.

Website content is not legal, tax, accounting, investment, medical, engineering, architectural, construction, safety, cybersecurity, or other licensed professional advice. Nothing on the website creates an attorney-client relationship or legal representation, including when a professional degree or credential is referenced. Consult the appropriate qualified professional for advice within that professional’s scope.

6. Simon and Other Automated Tools

Simon and any other automated features are AI-assisted information and intake tools. They may use third-party AI, hosting, analytics, security, and customer-management technologies. Outputs may be incomplete, outdated, inconsistent, or incorrect and may not account for all facts, policy wording, carrier rules, or legal requirements.

Simon does not bind insurance, make final underwriting or eligibility decisions, determine premiums, settle claims, perform licensed public-adjusting services, provide legal advice, or create a professional relationship. Any consequential insurance action or decision must be made or reviewed by the properly authorized insurer, licensed professional, or other responsible human decision-maker. Do not rely on an automated response as the sole basis for a coverage, claim, financial, legal, safety, or compliance decision.

Simon does not generate insurance quotes, compare live carrier prices, recommend a specific policy as suitable for you, review your individual policy, issue certificates of insurance, submit regulatory filings, report or handle claims, check claim status, or set up payments.

7. Risk Consulting and Other Service Boundaries

Any risk-consulting service is provided only under a separate written agreement defining the parties, scope, assumptions, fees, deliverables, and limitations. General website content, a free discussion, an intake form, or an insurance review does not create a consulting engagement.

Unless a separate written agreement expressly states otherwise, Cover AI does not perform a legal audit, regulatory certification, engineering inspection, cybersecurity penetration test, valuation, accounting review, contractor assessment, or guarantee that a person or business complies with every law, contract, safety standard, or insurance requirement. Recommendations reduce neither the user’s responsibility nor the need for qualified specialists.

8. Public Adjuster Matters Are Separate

Public-adjuster information or intake hosted on CoverAI.net concerns a separate professional capacity. Any public-adjuster services are offered by Vitalii Korobov individually, only when he is properly licensed and authorized for the jurisdiction and matter, and not by Cover AI in its insurance-agency or platform capacity. Public-adjuster inquiries and records must be kept operationally separate from Cover AI insurance-sales and marketing activity.

Submitting a public-adjuster inquiry does not report a claim to an insurer, preserve a policy or legal deadline, authorize representation, create a public-adjuster engagement, or obligate Vitalii Korobov to accept a matter. Representation begins only after the required parties execute a valid written public-adjuster agreement and all required disclosures are provided. A public adjuster is not the insurer, an insurer representative, a government representative, an attorney, an engineer, or a contractor merely by acting as a public adjuster.

No claim result, settlement amount, payment, coverage determination, or timeline is guaranteed. Public-adjuster communications are not legal advice. Consent to communicate about a public-adjuster matter is not consent for Cover AI insurance marketing, and consent given to Cover AI does not authorize public-adjuster communications unless separately provided.

9. Referrals, Affiliate Links, and Compensation

Cover AI may receive insurance commissions, referral or affiliate compensation, cost-per-click or cost-per-action fees, advertising revenue, consulting fees, or other compensation in connection with an introduction, link, referral, completed action, policy placement, or resulting business. Compensation and relationships vary by product and partner and do not increase your obligation to purchase or guarantee availability, price, coverage, service, or outcome.

Cover AI does not represent that every insurer, policy, platform, or service available in the market will be reviewed or presented, or that listings and results are ranked solely by price. Where a specific material relationship requires disclosure, the disclosure should appear clearly in the relevant workflow, link, recommendation, or content. This general Disclaimer supplements and does not replace a transaction-specific or affiliate disclosure.

10. Third-Party Products, Websites, and Trademarks

CoverAI.net may link or redirect you to insurers, agencies, producers, brokers, managing general agents, wholesalers, administrators, marketplaces, public adjusters, payment providers, software providers, social networks, or other third parties. Third parties operate under their own licenses, appointments, underwriting rules, contracts, terms, privacy policies, security controls, and service processes. Cover AI does not control their websites, products, availability, decisions, statements, or data practices.

Providing a link, referral, logo, name, or product description does not by itself mean that Cover AI owns, endorses, is endorsed by, represents, is appointed by, or guarantees the third party or product. Carrier, partner, and third-party names, marks, content, and product materials belong to their respective owners. Verify the identity, role, authority, and terms of the party with which you transact.

11. Examples, Testimonials, Comparisons, and Calculators

Examples, scenarios, testimonials, reviews, illustrations, rankings, checklists, calculators, and comparisons are general and may be simplified, hypothetical, historical, or based on information that later changes. Individual experiences and results vary. They do not guarantee eligibility, savings, coverage, claim payment, recovery, performance, or a similar result.

Any calculator or estimate depends on the assumptions and information entered and is not an appraisal, valuation, underwriting decision, or professional opinion. Verify material figures and recommendations with the responsible insurer or qualified professional before acting.

12. Claims, Cancellations, Deadlines, and Emergencies

Do not use CoverAI.net, Simon, a general Cover AI email address, a general telephone number, or SMS to report a loss, submit formal notice of a claim, tender a lawsuit, request cancellation or nonrenewal, satisfy a policy condition, preserve a limitation period, or transmit urgent or time-sensitive instructions. Follow the notice and communication requirements in the applicable policy or contract and contact the insurer or other designated recipient directly.

The website is not an emergency service and is not continuously monitored. Call 911 or the appropriate emergency service when immediate assistance is required. Keep copies of important submissions and obtain confirmation from the party legally responsible for receiving them.

13. Privacy, Security, and Communications

The Cover AI Privacy Policy explains how personal information is collected, used, disclosed, retained, and protected. General website forms, ordinary email, SMS, and Simon are not appropriate for Social Security numbers, complete payment-card or bank-account information, passwords, authentication codes, government identification documents, medical records, or other highly sensitive information. Use only the secure channel specifically designated by the responsible insurer, partner, or licensed professional.

No electronic system is completely secure or continuously available. Cover AI does not guarantee that a transmission will be uninterrupted, timely, error-free, or free from unauthorized access. If you leave CoverAI.net or submit information directly to a third party, that party’s privacy and security practices apply.

This Disclaimer and general website use do not constitute consent to marketing calls, automated or prerecorded calls, text messages, or marketing emails. Communication consent is governed by the specific disclosure presented at the point of collection and, for SMS, by the SMS Communications Policy. Cover AI communications and Vitalii Korobov’s separate public-adjuster communications require distinct consent where applicable.

14. Language and Translations

Content or automated responses may be made available in languages other than English for convenience and may be generated or assisted by translation technology. A translation may not capture every legal, technical, or insurance term precisely. Unless applicable law or a transaction document states otherwise, the English version of Cover AI’s website legal policies controls. Issued policy documents and transaction-specific notices control in the form and language provided by the responsible insurer or other party.

15. Website Availability, Accuracy, and Changes

We seek to keep website information useful and current, but we do not guarantee that every page, link, form, rate reference, product description, legal summary, or third-party item is complete, current, accurate, or available at all times. Laws, regulations, carrier rules, appointments, technology, and business relationships may change without immediate website updates.

Cover AI may correct, update, remove, restrict, suspend, or discontinue website content, links, tools, forms, or public-facing product categories at any time. We do not guarantee uninterrupted operation, compatibility with every device, preservation of an unfinished form or chat, or delivery of every communication.

16. Warranty Disclaimer

TO THE FULLEST EXTENT PERMITTED BY LAW, COVERAI.NET, SIMON, AND GENERAL WEBSITE CONTENT AND TECHNOLOGY SERVICES ARE PROVIDED “AS IS” AND “AS AVAILABLE.” EXCEPT FOR EXPRESS OBLIGATIONS IN AN ISSUED POLICY OR A SEPARATE WRITTEN AGREEMENT, COVER AI DISCLAIMS WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, ACCURACY, AVAILABILITY, SECURITY, AND RESULTS.

This warranty disclaimer applies to general website and technology services. It does not alter an insurer’s obligations, an issued insurance policy, a valid public-adjuster contract, a separate written consulting agreement, or any warranty, right, duty, or remedy that cannot lawfully be excluded.

17. Liability Limitations and Non-Waivable Rights

The limitations of liability, exclusions of damages, and other risk-allocation provisions in the Cover AI Terms of Use apply to general website use and are incorporated into this Disclaimer by reference. To the fullest extent permitted by law, Cover AI is not responsible for loss caused by reliance on unverified general content, an automated output, a third-party site or decision, a user’s inaccurate or incomplete information, a network or platform failure, or failure to use the required insurer or contract channel.

Nothing in this Disclaimer excludes or limits liability, duties, consumer protections, regulatory authority, or remedies that cannot lawfully be excluded or limited. Nothing waives rights under applicable Illinois or Texas consumer-protection or insurance law, prevents a person from contacting a regulator or law-enforcement agency, or excuses fraud, willful misconduct, gross negligence, or another obligation that applicable law does not permit a party to disclaim.

18. Changes and Contact Information

Cover AI may update this Disclaimer to reflect changes in the website, services, technology, partners, business practices, or law. The revised version will be posted at https://coverai.net/disclaimer/ with an updated effective date. A change does not retroactively alter an issued policy, existing written agreement, or consent previously provided.

Questions concerning insurance-related website content, licensing, service availability, or this Disclaimer may be directed to Cover AI. Questions concerning a separate public-adjuster matter should be directed to Vitalii Korobov in that capacity.