Terms of Service

Effective Date: March 15, 2026 | Last Updated: March 15, 2026

Welcome to Cova. These Terms of Service ("Terms") govern your access to and use of the Cova mobile application, website, and related services (collectively, the "Service") operated by Cova ("we," "us," or "our"). By accessing or using the Service, you agree to be bound by these Terms. If you do not agree, do not use the Service.

1. Nature of the Service

Cova is an educational tool that helps homeowners understand and organize their property insurance claims. Cova does NOT provide professional adjusting services, legal advice, insurance advice, or coverage determinations.

Specifically, you acknowledge and agree that:

Cova is not a licensed public adjuster, insurance adjuster, insurance agent, insurance broker, attorney, or contractor in any jurisdiction.
All analysis, estimates, coverage assessments, depreciation reviews, and recommendations provided by Cova are for educational and informational purposes only and do not constitute professional advice.
Cova's AI-powered analysis is based on general industry patterns and common policy structures. It does not interpret your specific policy language or make coverage determinations on your behalf.
Cova does not act as your representative, advocate, or agent in any dealings with insurance companies, adjusters, or other parties.
You should always consult a licensed public adjuster, attorney, contractor, or insurance professional before making decisions about your insurance claim.
Dollar amounts, value ranges, and estimates shown in the Service are rough educational references and are not professional appraisals or valuations.

2. Eligibility

You must be at least 18 years old and legally capable of entering into a binding agreement to use the Service. By using Cova, you represent that you meet these requirements.

3. Account Registration

To use certain features, you must create an account using Firebase Authentication. You are responsible for maintaining the confidentiality of your account credentials and for all activities under your account. You agree to notify us immediately of any unauthorized use.

4. Acceptable Use

You agree to use the Service only for lawful purposes and in accordance with these Terms. You agree not to:

Use the Service to submit fraudulent insurance claims or misrepresent damage.
Upload content that is false, misleading, defamatory, or infringing on any third party's rights.
Attempt to reverse-engineer, decompile, or exploit the Service or its AI models.
Use automated scripts, bots, or scrapers to access the Service.
Circumvent any security measures or access controls.
Use the Service in any way that violates applicable laws or regulations, including insurance regulations.

5. User Content

You retain ownership of all content you upload to the Service, including photos, documents, and descriptions ("User Content"). By uploading User Content, you grant us a limited, non-exclusive license to process, store, and transmit that content solely for the purpose of providing the Service to you.

You represent that you have the right to upload all User Content and that it does not violate any third party's rights.

6. Third-Party AI Processing

The Service uses OpenAI's API to process your data, including photos, documents, and text descriptions. By using the Service, you acknowledge and consent to your data being transmitted to and processed by OpenAI in accordance with their usage policies. We do not control how OpenAI processes data beyond our API requests. See our Privacy Policy for details.

7. Accuracy and Reliability

AI-generated analysis may contain errors, omissions, or inaccuracies. You should independently verify all information before relying on it for any purpose.

We do not guarantee the accuracy, completeness, or reliability of any analysis, estimate, coverage assessment, or recommendation provided by the Service. The Service is provided on an "as is" and "as available" basis. AI technology has inherent limitations and may produce incorrect results.

8. No Professional Relationship

Use of the Service does not create any professional-client relationship between you and Cova, including but not limited to an adjuster-client, attorney-client, or contractor-client relationship. The Service is a self-service educational tool, and no fiduciary duty or professional obligation arises from your use.

9. Insurance Regulatory Compliance

Insurance is regulated at the state level in the United States and by local authorities in other jurisdictions. The Service does not perform any activities that require an insurance license, public adjuster license, or legal license. If you believe any feature of the Service constitutes regulated activity in your jurisdiction, you should discontinue use of that feature and consult a licensed professional.

10. Limitation of Liability

To the maximum extent permitted by applicable law:

Cova, its officers, directors, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of the Service.
Cova shall not be liable for any claim outcome, insurance settlement amount, coverage decision, or financial loss related to your insurance claim, whether or not you used the Service's analysis.
Our total aggregate liability for any claims arising from the Service shall not exceed the amount you paid us in the twelve (12) months preceding the claim, or $100, whichever is greater.

11. Disclaimer of Warranties

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, OR THAT ANY ANALYSIS WILL BE ACCURATE OR COMPLETE.

12. Indemnification

You agree to indemnify, defend, and hold harmless Cova and its officers, directors, employees, and agents from any claims, damages, losses, liabilities, and expenses (including reasonable attorneys' fees) arising from: (a) your use of the Service; (b) your User Content; (c) your violation of these Terms; or (d) your violation of any applicable law or regulation.

13. Dispute Resolution

Any dispute arising from these Terms or the Service shall be resolved through binding arbitration administered by the American Arbitration Association under its Consumer Arbitration Rules. Arbitration shall be conducted on an individual basis; class actions and class arbitrations are not permitted. The arbitration shall take place in the state of your residence or another mutually agreed location. Either party may seek injunctive relief in any court of competent jurisdiction.

14. Termination

We may suspend or terminate your access to the Service at any time, with or without cause, and with or without notice. You may stop using the Service at any time. Upon termination, your right to use the Service ceases immediately. Provisions that by their nature should survive termination (including Sections 5, 7, 8, 10, 11, 12, and 13) will survive.

15. Changes to Terms

We may update these Terms from time to time. We will notify you of material changes by posting the updated Terms on the Service and updating the "Last Updated" date. Your continued use after changes constitutes acceptance of the revised Terms.

16. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Delaware, without regard to its conflict of law provisions.

17. Severability

If any provision of these Terms is found to be unenforceable, the remaining provisions will continue in full force and effect.

18. Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and Cova regarding the Service.

19. Contact

If you have questions about these Terms, contact us at:

Email: legal@cova-app.com