Terms of Use for United Coverage

Effective Date: 04/01/2025

Welcome to United Coverage! By accessing or using our website, services, or any of the materials available through our platform, you agree to comply with and be bound by the following Terms of Use (the “Terms”). These Terms govern your use of our website, products, services, and content. If you do not agree with these Terms, you are not authorized to use our website or services.

United Coverage reserves the right to update or change these Terms at any time without notice. You are advised to review these Terms periodically for any updates. Continued use of the site after changes to these Terms constitutes acceptance of those changes.

1. Use of Our Services

• Eligibility: You must be at least 18 years of age or have the legal capacity to form a binding contract to use our services.

• Account Registration: To access certain features or services on our website, you may need to register for an account. You agree to provide accurate and complete information during the registration process and maintain the confidentiality of your account credentials.

• Permitted Use: You agree to use our services only for lawful purposes and in accordance with these Terms. You may not use our website or services for any illegal or unauthorized purposes.

2. Privacy Policy

By using our services, you also agree to our Privacy Policy, which governs how we collect, use, and protect your personal information. For more information, please review our Privacy Policy.

3. Intellectual Property

• Ownership: All content, logos, trademarks, and materials available on our website are the property of United Coverage or our licensors and are protected by copyright, trademark, and other intellectual property laws.

• Limited License: You are granted a non-exclusive, non-transferable license to access and use our website and services for personal, non-commercial purposes in accordance with these Terms. You may not reproduce, distribute, or create derivative works from any of the content without prior written permission from us.

4. User Conduct

When using our website and services, you agree not to:

• Violate any applicable laws or regulations.

• Infringe upon the intellectual property rights of others.

• Engage in any activity that may harm, disrupt, or damage the website or services.

• Use any automated tools, including bots or scrapers, to access or collect data from the website.

• Impersonate any person or entity or falsely represent your affiliation with any person or entity.

5. Disclaimers

• No Warranty: The website and services are provided “as is,” without any warranties of any kind, express or implied. United Coverage does not guarantee the accuracy, reliability, or completeness of any content or services provided through the website.

• Limitation of Liability: United Coverage will not be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising from your use or inability to use the website or services, even if we have been advised of the possibility of such damages.

6. Third-Party Links

Our website may contain links to third-party websites that are not operated or controlled by United Coverage. We are not responsible for the content, privacy policies, or practices of any third-party websites. You access these websites at your own risk.

7. Termination of Access

We may, at our sole discretion, suspend or terminate your access to our website and services at any time for violation of these Terms or for any other reason deemed appropriate by United Coverage. Upon termination, your right to use the website and services will cease immediately.

8. Indemnification

You agree to indemnify, defend, and hold harmless United Coverage, its employees, officers, directors, agents, and affiliates from any claims, damages, liabilities, and expenses (including legal fees) arising from your violation of these Terms or your use of the website and services.

9. Governing Law and Dispute Resolution

These Terms will be governed by and construed in accordance with the laws of the state in which United Coverage operates, without regard to its conflict of law principles. Any disputes related to these Terms will be resolved in the courts located in [Insert Location], and you agree to submit to the exclusive jurisdiction of those courts.

10. Changes to Terms

United Coverage reserves the right to modify or update these Terms at any time. Any changes will be posted on this page with an updated “Effective Date.” It is your responsibility to review these Terms periodically to stay informed about any updates.

11. Contact Information

If you have any questions or concerns about these Terms of Use, please contact us at:

United Coverage
info@unitedcoverage.com
(516) 916-0780
https://unitedcoverage.com

Legal Notice: Use of this website constitutes your agreement to be bound by our terms and conditions. The content presented is provided for general reference only and does not constitute binding legal or insurance advice. United Coverage disclaims all liability for actions taken based on content provided on this site. Coverage decisions and recommendations must be based on an individualized consultation with a licensed agent and are subject to carrier underwriting and regulatory compliance. No guarantees or warranties, expressed or implied, are made regarding the content’s relevance or application to your unique insurance situation.

UNITED COVERAGE SMS TERMS & CONDITIONS

By opting in to receive SMS messages from United Coverage, you agree to the following terms:

1.⁠ ⁠Consent for SMS Communication

Phone numbers and SMS consent information obtained during the opt-in process will not be sold or shared with third parties for marketing purposes. Your information will be used to communicate with you regarding United Coverage’s insurance brokerage services and other communications for which you have provided consent.

2.⁠ ⁠Types of SMS Communications

By opting in, you may receive SMS messages from United Coverage related to:

•⁠ ⁠Insurance quote requests and updates
•⁠ ⁠Insurance applications and policy servicing
•⁠ ⁠Account and policy notifications
•⁠ ⁠Customer service and customer care
•⁠ ⁠Appointment reminders
•⁠ ⁠Follow-up communications
•⁠ ⁠Billing and payment inquiries
•⁠ ⁠Policy renewal reminders
•⁠ ⁠Requests for information or documentation
•⁠ ⁠Claims-related inquiries or assistance
•⁠ ⁠Marketing, promotions, or offers when applicable and where appropriate consent has been obtained

3.⁠ ⁠Message Frequency

Message frequency varies depending on your interactions with United Coverage, your insurance needs, and the types of communications you have requested or consented to receive.

4.⁠ ⁠Message and Data Rates

Message and data rates may apply depending on your mobile carrier and service plan. United Coverage is not responsible for charges imposed by your mobile carrier.

5.⁠ ⁠Opt-In Methods

You may opt in to receive SMS communications from United Coverage through methods including:

•⁠ ⁠Submitting an online form and checking the applicable SMS consent box
•⁠ ⁠Providing consent through another authorized written or electronic method

6.⁠ ⁠Opt-Out Instructions

You may opt out of SMS communications at any time by replying STOP to any SMS message from United Coverage. After opting out, you will no longer receive SMS messages unless you subsequently opt in again.

7.⁠ ⁠Help

For assistance, reply HELP to an SMS message from United Coverage or contact United Coverage using the contact information available on our website.

8.⁠ ⁠Declining SMS Communications

Consent to receive SMS messages is not required to inquire about or purchase our services. If you do not wish to receive SMS communications, do not select the SMS consent option when completing applicable forms.

9.⁠ ⁠Standard Messaging Disclosures

•⁠ ⁠Message and data rates may apply.
•⁠ ⁠Message frequency varies.
•⁠ ⁠Reply STOP to opt out.
•⁠ ⁠Reply HELP for assistance.
•⁠ ⁠Please refer to the United Coverage Privacy Policy and SMS Terms & Conditions available on our website.

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SMS CAMPAIGN DESCRIPTION

United Coverage is an independent insurance brokerage providing personal and commercial insurance services. We use SMS communications to communicate with prospective and existing customers regarding insurance quote requests, applications, policy information, customer service inquiries, appointment reminders, billing questions, renewals, documentation requests, account notifications, and other insurance-related service communications. Where appropriate consent has been obtained, SMS may also be used for marketing or promotional communications.

Message frequency varies depending on each customer’s interactions with United Coverage and their insurance service needs.

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SMS SAMPLE MESSAGE

Hello [Customer Name], this is United Coverage. We are contacting you regarding your insurance account, quote, or service request. Please contact us if you have any questions or need assistance. Visit unitedcoverage.com for additional information. Reply STOP to opt out of SMS messages. Reply HELP for assistance. Message and data rates may apply.

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SMS CONSENT LANGUAGE

By opting in to receive SMS messages from United Coverage through a web form or other authorized method, you agree to receive SMS communications from United Coverage. Messages may include account and policy notifications, customer care communications, insurance quote and application updates, appointment reminders, follow-up communications, billing inquiries, renewal reminders, and marketing communications where applicable. Message frequency varies. Message and data rates may apply. Reply HELP for assistance. Reply STOP to any message to opt out. Please see our Privacy Policy and SMS Terms & Conditions for additional information.

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SMS CONSENT CHECKBOX LANGUAGE

[ ] YES, I consent to receive SMS messages from United Coverage at the phone number provided. Messages may include insurance quote and application updates, account or policy notifications, customer care communications, appointment reminders, follow-up messages, billing inquiries, renewal reminders, and marketing communications where applicable. Message frequency varies. Message and data rates may apply. Reply HELP for assistance or STOP to opt out. Please review our Privacy Policy and SMS Terms & Conditions.

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SUBSCRIBER OPT-IN AND OPT-OUT MESSAGES

START:

Thank you for opting in to SMS messaging from United Coverage. Message frequency varies. Message and data rates may apply. Reply STOP to opt out or HELP for assistance. Visit unitedcoverage.com for additional information.

STOP:

You have opted out and will no longer receive messages from United Coverage. To opt back in at any time, reply START.

HELP:

Thank you for contacting United Coverage. For assistance, please visit unitedcoverage.com or contact our office directly. Message frequency varies. Message and data rates may apply. Reply STOP to opt out.