Terms of Use
By accessing and using this website, you agree to be bound by the following Terms of Use. If you do not agree with any part of these terms, please refrain from using the website. By continuing to use this website, you confirm that you are at least 18 years old. Your use of the website signifies your acceptance of certain legal provisions, including waiving the right to initiate claims in court, participate in class actions, and consenting to mandatory binding individual arbitration, as described in the “Dispute Resolution (Arbitration Agreement)” section below.
License to Access the Website
Unless otherwise stated, all content on this website is owned by CouvertLA Insurance Services, its affiliates, or third-party licensors. This includes trademarks, service marks, logos, and names of products and services that belong to CouvertLA Insurance Services or its affiliates. Except as expressly permitted, you may not use any portion of this website or CouvertLA Insurance Services intellectual property on another website or in any printed or digital material without obtaining prior written consent. Unauthorized reproduction, modification, distribution, or use of the website content is strictly prohibited.
Acceptable Use
You agree not to use this website in any manner that could damage, disable, or impair its operation, or violate applicable laws. Prohibited activities include transmitting harmful software, engaging in unauthorized data collection, or sending unsolicited commercial communications.
Restricted Access
Certain areas of the website may be restricted, and CouvertLA Insurance Services reserves the right to limit or revoke access to the website at its discretion. If you are given a user ID and password, you are responsible for maintaining their confidentiality. CouvertLA Insurance Services may suspend or disable your access without prior notice.
User Content
“Your user content” refers to any material you submit or upload to the website. By submitting content, you grant CouvertLA Insurance Services a worldwide, irrevocable license to use, reproduce, modify, publish, and distribute that content. All user content must be lawful, non-infringing, and free from legal disputes. CouvertLA Insurance Services reserves the right to review, edit, or remove any user-submitted material at its discretion.
No Warranties
This website is provided “as is,” without any warranties or representations. CouvertLA Insurance Services does not guarantee continuous availability, accuracy, or completeness of the content, nor does it guarantee the availability of any advertised products or services.
Dispute Resolution (Arbitration Agreement)
Any disputes arising from your use of the website, these Terms of Use, or transactions with CouvertLA Insurance Services will be resolved through mandatory individual arbitration. This includes disputes with CouvertLA Insurance Services affiliates or third parties. Arbitration will be conducted by the American Arbitration Association (AAA) under the Federal Arbitration Act (FAA) and in accordance with AAA’s rules. By agreeing to these terms, you waive your right to pursue claims in court, seek a jury trial, or participate in a class action.
Limitations of Liability
CouvertLA Insurance Services is not responsible for any indirect, special, consequential, or business-related losses or damages arising from the use of this website.
Disclaimer of Warranty
All content and materials on the website are provided “as is,” without any warranties, express or implied. CouvertLA Insurance Services disclaims all warranties, including but not limited to implied warranties of merchantability or fitness for a particular purpose.
Exceptions
This disclaimer does not exclude or limit any warranties or liabilities that cannot be excluded or limited by law, such as for personal injury, death, fraud, or unlawful exclusion.
Reasonableness
You acknowledge that the exclusions and limitations of liability set forth in these terms are reasonable. If you do not agree with these provisions, you should cease using the website.
Severability
If any provision of these Terms of Use is found to be unenforceable, the remaining provisions will continue to be in full effect.
Indemnification
You agree to indemnify and hold CouvertLA Insurance Services harmless from any losses or damages arising from your violation of these Terms of Use.
Breaches of Terms
CouvertLA Insurance Services may take appropriate actions if you breach any of these Terms of Use, including suspending or terminating your access to the website.
Third-Party Links
The website may contain links to third-party websites for your convenience. CouvertLA Insurance Services is not responsible for the content, accuracy, or availability of these external sites.
Submitted Ideas Policy
By submitting ideas, suggestions, or materials to CouvertLA Insurance Services, you grant the company the right to use and exploit those ideas as it deems fit.
Updates to These Terms
CouvertLA Insurance Services may update or revise these Terms of Use at any time. The revised terms will apply from the date they are published.
Assignment
CouvertLA Insurance Services may transfer its rights and obligations under these terms without notice. You may not assign or transfer your rights under these Terms of Use.
Entire Agreement / Enforceability
These Terms of Use represent the entire agreement between you and CouvertLA Insurance Services and supersede all prior agreements. If any provision is found to be unenforceable, the remainder will remain in effect.
Privacy Policy
Please refer to our Privacy Policy, which also governs your use of the website.
