By accessing or using wisecovers services, you agree to be bound by these Terms of Services and all applicable laws and regulations. If you do not agree to these terms, please do not use our services.
These terms were last updated in January 2026. We reserve the right to modify these terms at any time, and your continued use of our services after any such modifications constitutes your acceptance of the updated terms.
These Terms of Services constitute the entire agreement between you and wisecovers regarding the use of our services and supersede any prior agreements or understandings.
Our services are intended for individuals who are at least 18 years of age and residents of the United States. You agree to use our services only for lawful purposes and in a manner consistent with all applicable laws and regulations.
You may not use our services to engage in any fraudulent, deceptive, or harmful activity, or to transmit any content that is unlawful, defamatory, harassing, or otherwise objectionable.
We reserve the right to suspend or terminate your access to our services at any time if we determine, in our sole discretion, that you have violated these terms or that your use poses a risk to other users or to our platform.
If you create an account with us, you are responsible for maintaining the confidentiality of your login credentials and for all activities that occur under your account. You agree not to share your credentials with any third party.
You agree to notify us immediately of any unauthorized use of your account or any other security breach. We will not be liable for any losses or damages resulting from your failure to safeguard your account information.
You are also responsible for ensuring that all information you provide to us is accurate, current, and complete, and for updating such information as necessary to keep it current.
All content, trademarks, logos, and intellectual property displayed on our website are owned by or licensed to wisecovers. These materials are protected by applicable intellectual property laws.
You may not reproduce, distribute, modify, create derivative works of, publicly display, republish, download, store, or transmit any of the materials on our website without our express prior written permission.
Any feedback, comments, or suggestions you provide regarding our services may be used by wisecovers without any restriction or compensation to you.
wisecovers provides information and guidance to help you explore insurance options, but we do not guarantee specific outcomes or the accuracy of third-party plan information. Our services are provided on an "as is" and "as available" basis.
To the fullest extent permitted by applicable law, wisecovers and its officers, directors, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of our services.
Our total liability to you for any claim arising from or related to these terms or our services shall not exceed the amount you paid us, if any, in the twelve months preceding the claim.
Your use of our services is also governed by our Privacy Notice, which is incorporated into these Terms of Services by reference. We encourage you to review our Privacy Notice to understand our data practices.
By using our services, you consent to the collection, use, and sharing of your information as described in our Privacy Notice. If you do not agree with our privacy practices, please discontinue your use of our services.
We are committed to protecting your personal information and handle it in accordance with applicable privacy laws and our published Privacy Notice.
If you have questions about these Terms of Services or need clarification on any provision, please contact us at alwin@wisecovers.com.
You may also write to us at our office address: 11670 Fountains Drive, Suite 200 Maple Grove MN 55369.
We are committed to addressing your questions promptly and clearly. Your understanding of these terms is important to us, and we welcome any inquiries you may have.