Privacy and Transparency
License to use website
Except where otherwise indicated, all materials contained in this website are the copyrighted property of Kovr, Inc. (herein after “Kovr”), its affiliated companies, and/or third-party licensors. The Kovr logo, all other service marks, and the names of various products and services described within are service marks of Kovr or its affiliates.
Except as expressly provided herein, you shall not use any portion of this website, or any other intellectual property of Kovr (including, but not limited to Kovr service marks), on any other website, in the source code of any other website, or in any other printed or electronic materials. Except as expressly provided herein, you shall not modify, publish, reproduce, republish, create derivative works, copy, upload, post, transmit, distribute, or otherwise use any of this website’s content or frame this website within any other website without our prior written permission. Systematic retrieval of data or other content from this website to create or compile, directly or indirectly, a collection, compilation, database or directory, without prior written permission from Kovr, is prohibited. You must not: Republish material from this website (including republication on another website); Sell, rent, or sub-license material from the website; Show any material from the website in public; Reproduce, duplicate, copy or otherwise exploit material on this website for a commercial purpose; Edit or otherwise modify any material on the website, or redistribute material from this.
You must not use this website in any way that causes, or may cause, damage to the website or impairment of the availability or accessibility of the website; or in any way which is unlawful, illegal, fraudulent or harmful, or in connection with any unlawful, illegal, fraudulent or harmful purpose or activity. You must not use this website to copy, store, host, transmit, send, use, publish or distribute any material which consists of (or is linked to) any spyware, computer virus, Trojan horse, worm, keystroke logger, rootkit, or other malicious computer software.
You must not conduct any systematic or automated data collection activities (including without limitation scraping, data mining, data extraction, and data harvesting) on or in relation to this website without Kovr’s express written consent. You must not use this website to transmit or send unsolicited commercial communications. You must not use this website for any purposes related to marketing without Kovr’s express written consent.
Access to certain areas of this website is restricted. Kovr reserves the right to restrict access to certain areas of this website, or indeed this entire website, at Kovr’s discretion. If Kovr provides you with a user ID and password to enable you to access restricted areas of this website or other content or services, you must ensure that the user ID and password are kept confidential. In this event, Kovr may disable your user ID and password in Kovr’s sole discretion without notice or explanation.
In these terms and conditions, “your user content” means material (including without limitation text, images, audio material, video material and audio-visual material) that you submit to this website, for whatever purpose. User content excludes all information required for insurance quotes specifically determined in Kovr’s Privacy and Security Policy. You grant to Kovr a worldwide, irrevocable, non-exclusive, royalty-free license to use, reproduce, adapt, publish, translate and distribute your user content in any existing or future media. You also grant to Kovr the right to sub-license these rights, and the right to bring an action for infringement of these rights. Your user content must not be illegal or unlawful, must not infringe any third party’s legal rights, and must not be capable of giving rise to legal action whether against you or Kovr or a third party (in each case under any applicable law). You must not submit any user content to the website that is or has ever been the subject of any threatened or actual legal proceedings or other similar complaint. Kovr reserves the right to edit or remove any material submitted to this website, or stored on Kovr’s servers, or hosted or published upon this website.
By using this website, you understand that Kovr is an insurance agency licensed in California and other states to conduct business as Kovr Insurance Services. All products and services advertised or referenced in this website or on applications are subject to availability from insurance carriers not related to Kovr, and rules and regulations of the different states where Kovr is licensed.
Authorization to Obtain a Credit Report and Credit Score
Where applicable, you understand and agree that by submitting your information, you are providing us with “written instructions” in accordance with the Fair Credit Reporting Act, for us to obtain your consumer credit report and credit score from one of three national credit bureaus, Experian, Equifax or TransUnion. You authorize us to use this credit report and credit score to match you with products and services offered by insurance carriers.
We are not an insurance carrier/underwriter
We are not an insurance carrier or underwriter. Any quote and/or comparisons provided are furnished by the individual insurance carriers and are subject to change without notice. A quote should not be construed as a commitment from the insurance carrier to actually issue that policy or any other policy to you. The quotes presented are based on the information we have requested, and you have given us. To purchase a policy, you must enter into a formal agreement with the insurance carrier. The insurance carrier will review your application, along with other information it may gather from other sources. Based on its analysis, the insurance carrier will determine the precise premium and fees to charge you. This underwriting process may result in higher or lower premiums than your quote. We have no control of this underwriting process.
Limitations of liability
KOVR WILL NOT BE LIABLE TO YOU (WHETHER UNDER THE LAW OF CONTACT, THE LAW OF TORTS OR OTHERWISE) IN RELATION TO THE CONTENTS OF, OR USE OF, OR OTHERWISE IN CONNECTION WITH, THIS WEBSITE FOR ANY INDIRECT, SPECIAL OR CONSEQUENTIAL LOSS; OR FOR ANY BUSINESS LOSSES, LOSS OF REVENUE, INCOME, PROFITS OR ANTICIPATED SAVINGS, LOSS OF CONTRACTS OR BUSINESS RELATIONSHIPS, LOSS OF REPUTATION OR GOODWILL, OR LOSS OR CORRUPTION OF INFORMATION OR DATA. THESE LIMITATIONS OF LIABILITY APPLY EVEN IF KOVR HAS BEEN EXPRESSLY ADVISED OF THE POTENTIAL LOSS.
Disclaimer of warranty
THE CONTENT AND MATERIALS IN THIS WEBSITE ARE PROVIDED “AS IS” AND WITHOUT REPRESENTATIONS OR WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMITTED BY LAW, KOVR EXPRESSLY DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, WITH RESPECT TO THIS WEBSITE INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT. KOVR DOES NOT WARRANT OR REPRESENT THAT THE FUNCTIONS OR OPERATION OF THIS WEBSITE WILL BE UNINTERRUPTED OR ERROR-FREE, THAT DEFECTS WILL BE CORRECTED, OR THAT THIS WEBSITE, ITS SERVERS, OR ANY E-MAIL SENT FROM KOVR ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. Without prejudice to the generality of the foregoing paragraph, Kovr does not warrant that: this website will be constantly available, or available at all; the information on this website is complete, true, accurate or non-misleading; or the products and services advertised on this website are available at all times. Nothing on this website constitutes or is meant to constitute, advice of any kind. If you require advice in relation to any legal, financial or medical matter you should consult an appropriate professional.
Nothing in this website disclaimer will exclude or limit any warranty implied by law that it would be unlawful to exclude or limit; and nothing in this website disclaimer will exclude or limit Kovr’s liability in respect of any: death or personal injury caused by Kovr’s negligence; fraud or fraudulent misrepresentation on the part of Kovr or matter which it would be illegal or unlawful for Kovr to exclude or limit, or to attempt or purport to exclude or limit, its liability.
By using this website, you agree that the exclusions and limitations of liability set out in this website disclaimer are reasonable If you do not think they are reasonable, you must not use this website.
If any provision of this website disclaimer is, or is found to be, unenforceable under applicable law, that will not affect the enforceability of the other provisions of this website disclaimer.
You hereby indemnify Kovr and undertake to keep Kovr indemnified against any losses, damages, costs, liabilities and expenses (including without limitation legal expenses and any amounts paid by Kovr to a third party in settlement of a claim or dispute on the advice of Kovr’s legal advisers) incurred or suffered by Kovr arising out of any breach by you of any provision of these terms and conditions, or arising out of any claim that you have breached any provision of these terms and conditions.
Breaches of these terms and conditions
Without prejudice to Kovr’s other rights under these terms and conditions, if you breach these terms and conditions in any way, Kovr may take such action as Kovr deems appropriate to deal with the breach, including suspending your access to the website, prohibiting you from accessing the website, blocking computers using your IP address from accessing the website, contacting your internet service provider to request that they block your access to the website and/or bringing court proceedings against you.
This website contains links to other Internet websites (“Third-party Websites”) that are not maintained by Kovr. These links are provided solely for your convenience. Kovr makes no warranties or representations about the content of, any products or services offered by, or the intellectual property compliance of, such Third-party Websites. We recommend that you take the time to read the privacy policies and user agreements of these websites.
Kovr may use third-party vendors to access your information for purposes of verifying insurance and providing insurance quotes, including, but not limited to Canopy. We recommend that you review the privacy policies and user agreements of Canopy at: https://usecanopy.com/terms and https://usecanopy.com/privacy. Kovr makes no warranties or representations about the content of, any products or services offered by, or the intellectual property compliance of, such third-party vendors.
Submitted ideas policy
When you submit ideas or materials to Kovr (“Submissions”), such as for marketing, advertising, promotions, contests, products, services, devices, processes, trademarks, logos, artwork, music, photos, or videos, you grant to Kovr a perpetual, irrevocable, world-wide, royalty-free right and license to use, modify, publish, disclose, or exploit the Submission at Kovr’s discretion.
Kovr may revise these terms and conditions from time-to-time. Revised terms and conditions will apply to the use of this website from the date of the publication of the revised terms and conditions on this website. Please check this page regularly to ensure you are familiar with the current version.
Kovr may transfer, sub-contract or otherwise deal with Kovr’s rights and/or obligations under these terms and conditions without notifying you or obtaining your consent. You may not transfer, sub-contract or otherwise deal with your rights and/or obligations under these terms and conditions.
If a provision of these terms and conditions is determined by any court or other competent authority to be unlawful and/or unenforceable, the other provisions will continue in effect. If any unlawful and/or unenforceable provision would be lawful or enforceable if part of it were deleted, that part will be deemed to be deleted, and the rest of the provision will continue in effect.
Entire agreement / enforceability
Law and jurisdiction
Use of this website shall be governed by and construed in accordance with the laws of the State of California without giving effect to any principles of conflicts of laws. Any dispute concerning this website shall be subject to the exclusive venue of a court of competent jurisdiction in Los Angeles, California.
Last Updated: April 1, 2021