Terms of Service

1. Calculator Results Are Estimates Only

All calculators and tools on CoverageFixPro provide estimates for educational and informational purposes only. Results are based on industry averages, general assumptions, and simplified models. They do not represent actual insurance quotes, guaranteed premiums, or binding coverage offers.

Actual insurance premiums and coverage terms depend on many individual factors including but not limited to: your specific underwriting profile, credit history, exact location, claims history, insurer-specific pricing models, and current market conditions. Results from our calculators may differ significantly from actual quotes obtained from licensed insurance carriers.

2. Not Professional Insurance Advice

The content, calculators, and information provided on CoverageFixPro do not constitute professional insurance advice, financial advice, legal advice, or any other professional advisory service. We are not licensed insurance agents, brokers, or financial advisors.

You should always consult with a licensed insurance professional, financial advisor, or attorney before making insurance purchasing decisions. Never rely solely on calculator estimates when choosing coverage amounts, policy types, or insurance carriers.

3. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, COVERAGEFIXPRO AND ITS OWNERS, OPERATORS, EMPLOYEES, AND AGENTS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM YOUR USE OF OUR WEBSITE OR CALCULATORS.

This includes, without limitation, damages resulting from:

• Reliance on calculator estimates for actual insurance purchasing decisions
• Errors, inaccuracies, or omissions in calculator results
• Inability to access or use the website
• Unauthorized access to or use of our servers
• Any bugs, viruses, or other harmful code transmitted through our site

Our total liability to you for any claim arising from use of this website shall not exceed $0, as our services are provided free of charge.

4. Accuracy of Information

We strive to keep our calculators and content accurate and up-to-date. However, insurance rates, regulations, and coverage requirements change frequently. We make no warranty that:

• Calculator results are accurate for your specific situation
• Content reflects the most current insurance laws or rates
• The website is free from errors or will be available at all times

5. Intellectual Property

All content on CoverageFixPro — including but not limited to calculator logic, text, graphics, logo, design, and code — is the intellectual property of CoverageFixPro and is protected by applicable copyright and intellectual property laws.

You may:

• Use our calculators for personal, non-commercial purposes
• Share links to our pages

You may not:

• Copy, reproduce, or redistribute our calculator code or content without permission
• Use our content for commercial purposes without written consent
• Scrape or systematically download content from our website
• Create derivative works based on our content without permission

6. Third-Party Links

Our website may contain links to third-party websites. These links are provided for your convenience only. We have no control over the content of those sites and accept no responsibility for them or for any loss or damage that may arise from your use of them.

7. Advertising

CoverageFixPro displays advertisements served by Google AdSense. We are not responsible for the content of these advertisements. The presence of an advertisement does not constitute an endorsement of the advertised product or service.

8. Modifications to Terms

We reserve the right to modify these Terms of Service at any time. Changes will be effective immediately upon posting to the website. Your continued use of the website after any changes constitutes acceptance of the new terms.

9. Governing Law

These Terms of Service shall be governed by and construed in accordance with the laws of the United States. Any disputes arising under these terms shall be subject to the exclusive jurisdiction of the applicable courts.

10. Contact

For questions about these Terms of Service, contact us at: legal@coveragefixpro.com