Terms of Service

Effective: June 19, 2025

Last Updated: June 19, 2025

Welcome to ClearCover Health! These Terms of Service ("Terms") govern your use of our website, tools, and services ("Service") provided by ClearCover Health ("ClearCover," "we," "us," or "our"). By using our Service, you agree to these Terms. If you don't agree, please don't use the Service.

1. Who We Are

ClearCover Health is a free, bilingual, equity-first platform that helps users understand and navigate their health, dental, and vision benefits. We are not an insurance provider, nor do we sell or broker insurance. We exist to simplify benefit information, not replace professional advice.

2. Eligibility & Account Creation

You may use the Service if you are at least 13 years old. To access some features, you may be required to create an account and provide accurate information. You're responsible for maintaining the confidentiality of your account and for any activity under it.

3. What You Can Expect From Us

We strive to offer accurate, plain-language explanations and helpful tools — but we can't guarantee 100% accuracy at all times. The platform is for informational purposes only and not a substitute for professional advice (medical, legal, or financial).

We reserve the right to modify or discontinue any part of the Service at any time, without liability.

4. User Responsibilities

You agree not to use the Service:

For any unlawful or prohibited purpose
To collect or harvest personal data from others
To interfere with or disrupt the Service or servers
To upload malicious code or content

We may suspend or terminate your access if we believe you've violated these Terms.

5. Data, Privacy, and Security

We take your data seriously. Our Privacy Policy explains how we collect, use, and protect your information. By using the Service, you agree to our data practices. While we implement reasonable safeguards, no platform can guarantee perfect security.

You also agree not to share your login credentials or impersonate others.

6. AI-Generated Content

Some of our features use AI to simplify health benefits explanations. These tools are not flawless and should not be relied on as a substitute for expert advice. You assume responsibility for how you use AI-generated outputs.

7. Ownership and Use of Content

ClearCover Health owns all content, branding, design, and technology on the platform (except user-submitted content and open-source components). You may not copy, reuse, or sell any part of the Service without our permission.

8. Feedback and User Contributions

If you share suggestions, bug reports, or ideas with us, you grant us a non-exclusive, royalty-free right to use that feedback to improve ClearCover — with no obligation to compensate you.

9. Third-Party Links and Partnerships

Our platform may include links to third-party services like care providers or partner platforms. We are not responsible for the content, policies, or actions of those sites. Use them at your own discretion.

10. Disclaimers

The Service is provided "as is" without warranties of any kind. We disclaim all warranties — express or implied — including merchantability, fitness for a particular purpose, or non-infringement.

We do not guarantee that the Service will always be available, error-free, or fully secure.

11. Limitation of Liability

To the fullest extent allowed by law, ClearCover Health and its team shall not be liable for any indirect, incidental, special, or consequential damages arising from your use of the Service.

12. Indemnification

You agree to hold harmless ClearCover Health and its affiliates from any claims, losses, or damages resulting from your use of the Service or your violation of these Terms.

13. Governing Law

These Terms are governed by the laws of the State of New York, without regard to its conflict of laws principles.

14. Changes to These Terms

We may update these Terms from time to time. We'll post any changes on this page and update the "Effective Date" at the top. Your continued use of the Service means you accept the new terms.

15. Contact Us

If you have questions about these Terms, reach out to us at:

📩hello@clearcoverhealth.com

Questions? Contact us at hello@clearcoverhealth.com