Last updated: March 15, 2026
By accessing or using CoverScore AI's services, website, or platform (collectively, the "Services"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, you may not access or use our Services.
These Terms constitute a legally binding agreement between you and CoverScore AI, Inc. ("CoverScore AI," "we," "us," or "our"). By using our Services, you represent that you are at least 18 years of age and have the legal capacity to enter into these Terms.
CoverScore AI provides an AI-powered insurance risk intelligence platform that includes:
Our Services provide risk assessment insights and recommendations generated by artificial intelligence. These insights are intended to supplement, not replace, professional insurance advice. We do not provide insurance brokerage services and are not licensed to sell insurance.
Important: CoverScore AI's risk assessments and recommendations are for informational purposes only. Always consult with a qualified insurance professional before making insurance decisions.
To access certain features, you must create an account. You agree to provide accurate, current, and complete information during registration and to update such information to keep it accurate, current, and complete.
You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account. You agree to:
We offer various account types including Free, Professional, and Enterprise plans. Each plan has specific features, limitations, and pricing as described on our website and in your subscription agreement.
You agree not to use our Services to:
CoverScore AI retains all rights, title, and interest in and to the Services, including our AI models, algorithms, software, trademarks, trade names, logos, and all related intellectual property. These Terms do not grant you any ownership rights to our intellectual property.
You retain all rights to the content and data you submit to our Services ("User Content"). By submitting User Content, you grant us a limited license to use, store, process, and display your User Content solely to provide and improve our Services.
Risk reports generated through our Services are for your personal or business use. You may not reproduce, resell, or redistribute these reports without explicit written permission from CoverScore AI.
Subscription fees are billed in advance on a monthly or annual basis, depending on your selected plan. All fees are non-refundable except as required by law or as explicitly stated in our refund policy.
Your subscription will automatically renew at the end of each billing period unless you cancel before the renewal date. You authorize us to charge the applicable fees to your designated payment method.
We reserve the right to change our pricing. Price changes will be communicated at least 30 days before the effective date and will apply to the next billing cycle after the notice period.
Accounts with overdue payments may be suspended or terminated. We reserve the right to charge interest on overdue amounts at 1.5% per month or the maximum rate permitted by law.
OUR SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, INCLUDING BUT NOT LIMITED TO:
You acknowledge that AI systems have inherent limitations and that risk assessments generated by our platform are probabilistic in nature. Always consult qualified professionals before making insurance decisions.
TO THE MAXIMUM EXTENT PERMITTED BY LAW, COVERSCORE AI AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, AND AFFILIATES SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO:
IN NO EVENT SHALL OUR TOTAL LIABILITY EXCEED THE AMOUNTS YOU PAID TO COVERSCORE AI IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM OR $100, WHICHEVER IS GREATER.
This limitation applies regardless of the theory of liability (contract, tort, or otherwise) and even if we have been advised of the possibility of such damages.
You may terminate your account at any time through your account settings or by contacting us. Termination will be effective upon receipt of your request, subject to processing time.
We may suspend or terminate your account and access to Services immediately, without prior notice, if we reasonably believe you have:
Upon termination, your right to access and use the Services ceases immediately. We may retain certain data as required by law or for legitimate business purposes, as described in our Privacy Policy.
These Terms shall be governed by and construed in accordance with the laws of the State of California, United States of America, without regard to its conflict of law principles. Any disputes arising under these Terms shall be subject to the exclusive jurisdiction of the state and federal courts located in San Francisco County, California.
For questions about these Terms of Service, please contact us: