Terms of use

These terms explain how you may use Coverlee and what we are and are not responsible for. By using the site you agree to them.

Last updated:

Contents
  1. About these terms
  2. Educational use only
  3. Calculators and estimates
  4. No warranty
  5. Limitation of liability
  6. Links to other sites
  7. Content licence
  8. Acceptable use
  9. Privacy
  10. Changes
  11. Governing law
  12. Contact

About these terms

These terms apply to coverleeapp.com and its Spanish and Chinese versions (“Coverlee”, “we”, “us”). If you do not agree with them, please do not use the site.

Educational use only

Coverlee publishes educational guides and calculators about insurance coverage. Nothing on the site is insurance, legal, tax, financial or medical advice, and nothing creates a professional relationship between you and Coverlee. Coverlee is not an insurance company, agency or broker and does not sell insurance. Please read our disclaimer.

Calculators and estimates

Our calculators produce estimates using published formulas, official figures and assumptions that we describe on each tool page and on our methodology page. Estimates may differ from what an insurer would quote or pay. Plan data in the health plan checker comes from the CMS Marketplace API and may change; enroll and confirm prices on HealthCare.gov or your state marketplace.

No warranty

We work hard to keep content accurate and current, and we correct errors openly. However, the site is provided “as is” and “as available”, without warranties of any kind, express or implied, including accuracy, completeness, fitness for a particular purpose and non-infringement, to the extent permitted by law.

Limitation of liability

To the fullest extent permitted by law, Coverlee is not liable for any indirect, incidental, special, consequential or punitive damages, or for any loss arising from your use of, or reliance on, the site, its calculators or its content. Decisions about insurance should be confirmed with a licensed professional or your state insurance department.

We link to official sources such as state insurance departments, FEMA and the IRS so you can check facts yourself. We are not responsible for the content or availability of those sites.

Content licence

The text, tools, design and data compilations on Coverlee are protected by copyright. You may:

  • read, print and share pages for personal, non-commercial use;
  • quote short excerpts with a link back to the original page.

You may not republish whole guides, copy our tools or data sets, or use our content to train commercial products without written permission.

Acceptable use

Please do not:

  • misuse our forms, send spam, or attempt to overload or disrupt the site or our health plan proxy;
  • try to access parts of our systems that are not public;
  • use the site in a way that breaks the law.

We may block access that harms the site or other users.

Privacy

How we handle information is described in our privacy policy and cookie policy.

Changes

We may update these terms. Changes take effect when posted on this page, with the “last updated” date changed. Continued use after changes means you accept them.

Governing law

These terms are governed by applicable United States law. If any part of these terms is found unenforceable, the rest remains in effect.

Contact

Questions about these terms: .