TERMS & CONDITIONS
Last Updated: August 2026
By accessing or using coverageadvisorsonline.com (the "Website"), you agree to these Terms & Conditions (the "Terms"), including the Arbitration Agreement in Section 9, which requires most disputes to be resolved through individual binding arbitration and waives your right to a jury trial and to participate in a class action. If you do not agree, do not use this Website.
1. Nature of This Website
Coverageadvisorsonline.com is a marketing and lead generation website operated by Evolve Performance Media Corp, DBA Coverage Advisors Online ("we," "us," or "our"). We are not an insurance company, insurance agency, or broker. We do not underwrite insurance, provide insurance quotes, recommend specific policies, or bind coverage.
Our service is free to consumers. When you submit your information, we share it with licensed insurance agents, agencies, carriers, and marketing partners (together, "Marketing Partners") so they can contact you about insurance products. We may receive compensation from Marketing Partners for this.
2. Eligibility
You must be at least 18 years old and a resident of the United States to use this Website. By submitting information, you confirm that the information is accurate, that it is your own, and that you are the subscriber or customary user of the phone number you provide.
3. No Guarantee of Coverage or Pricing
We make no representations or guarantees regarding insurance eligibility, coverage availability, pricing, plan features, or whether or when a Marketing Partner will contact you. All insurance decisions are made solely by licensed agents and insurance carriers. Information on this Website is general in nature and is not insurance, legal, tax, or financial advice.
4. Communications Consent
By submitting your information on this Website and agreeing to the consent disclosure at the point of submission, you provide your prior express written consent to be contacted by Coverage Advisors Online and the Marketing Partners identified in that disclosure [and at our Marketing Partners page: link] at the phone number you provided, including by calls and text messages made using an automatic telephone dialing system, an artificial or prerecorded voice, or AI-generated voice technology, even if your number is on a federal, state, or internal Do Not Call list. Message and data rates may apply. Message frequency varies.
Consent is not a condition of any purchase. You may call [phone number] to speak with someone without providing consent.
You may revoke consent at any time by any reasonable means, including replying STOP to any text message, telling a caller you no longer wish to be contacted, or emailing [email protected]. Revoking consent with us may not revoke consent you gave directly to a Marketing Partner; you may need to contact them separately.
5. Use of Information
Information you submit will be shared with Marketing Partners and otherwise used as described in our Privacy Policy [link], which is incorporated into these Terms. You agree that this sharing is necessary to provide the service you requested.
6. Prohibited Use
You agree not to submit false information or information belonging to another person, use automated means to access or submit forms on the Website, interfere with the Website's operation, or use the Website for any unlawful purpose.
7. Disclaimer and Limitation of Liability
The Website and its contents are provided "as is" and "as available," without warranties of any kind, express or implied, including warranties of merchantability, fitness for a particular purpose, and non-infringement. To the fullest extent permitted by law, we are not liable for any indirect, incidental, special, consequential, or punitive damages, or any damages arising from your use of the Website or your reliance on information, products, or services provided by third parties, including Marketing Partners. Our total liability for any claim shall not exceed $100.
8. Indemnification
You agree to indemnify and hold harmless Coverage Advisors Online and its officers, employees, and Marketing Partners from any claims, losses, or expenses arising from your violation of these Terms or your submission of inaccurate information, including information belonging to another person.
9. Arbitration Agreement
Any dispute or claim relating in any way to your use of this Website, including any related calls, texts, or other communications, will be resolved by binding arbitration rather than in court, except that you may assert claims in small claims court if your claims qualify. This includes claims against our clients, vendors, and Marketing Partners, including HealthPlanOne LLC ("HPO"), which are third-party beneficiaries of this Arbitration Agreement, and includes TCPA and telemarketing claims related to calls, texts, or other communications generated from information submitted through this Website. The Federal Arbitration Act and federal arbitration law apply to this agreement.
There is no judge or jury in arbitration, and court review of an arbitration award is limited. However, an arbitrator can award on an individual basis the same damages and relief as a court (including injunctive and declaratory relief or statutory damages), and must follow these Terms as a court would.
You and we agree that any dispute will be resolved only on an individual basis and not in a class, consolidated, or representative action. YOU AND WE WAIVE ANY RIGHT TO A JURY TRIAL OR TO PARTICIPATE IN A CLASS ACTION.
Arbitration will be administered by [the American Arbitration Association under its Consumer Arbitration Rules], and will take place in the county where you reside or by video or telephone. We will pay any filing, administration, and arbitrator fees above what you would pay to file in court.
You may opt out of this Arbitration Agreement by emailing [email protected] with the subject line "Arbitration Opt-Out" within 30 days of first submitting your information on this Website.
10. Governing Law
Except for the Arbitration Agreement, which is governed by the Federal Arbitration Act, these Terms are governed by the laws of the State of [Delaware], without regard to conflict-of-law principles. For any Claim not subject to arbitration, you consent to the exclusive jurisdiction of the state and federal courts located in [county, state].
11. Changes to These Terms
We may update these Terms at any time by posting the revised version with a new "Last Updated" date. Changes apply only to your use of the Website after posting. Changes to the Arbitration Agreement will not apply to any Claim of which we had notice before the change.
12. Severability and Entire Agreement
If any provision of these Terms is held unenforceable, the remaining provisions remain in full effect. These Terms and the Privacy Policy are the entire agreement between you and us about the Website.
13. Contact Information
This Website is owned and operated by:
Evolve Performance Media Corp
DBA Coverage Advisors Online
Email: [email protected]