Terms of Service

01Acceptance of Terms

Using this website signals agreement with the terms outlined here. Visitors who do not agree are asked to leave the site rather than continue browsing or sharing details.

02Scope of Services

This site presents coverage exploration across auto, home, health, Medicare, life, and travel insurance. Content is offered as guidance and does not constitute a binding contract until a separate policy document is signed with a licensed carrier.

03Account Responsibilities

Account holders are responsible for safeguarding login credentials and keeping contact details current. Activity through an account is treated as the activity of the registered person unless reported promptly.

• Use accurate personal information at sign-up and during updates.
• Choose a strong password and store it securely outside of the browser when possible.
• Report suspected unauthorized access through the methods listed at the bottom of this page.

04Acceptable Use

The site is intended for personal coverage exploration. Activities such as scraping, automated requests, attempts to bypass security, or any use that disrupts other visitors are not permitted and may lead to access being removed.

05Communication Consent

Signing up and submitting forms creates consent for service messages tied to active inquiries. Marketing messages remain optional and can be paused at any time through reply commands or written requests.

06Intellectual Property

Content, layout, and design elements on this site belong to KelsoCover or partner sources used with permission. Reproduction or redistribution without written permission is not allowed.

07Third-Party Links

Links to carriers, partners, or informational resources may appear across the site. Those external destinations operate under their own terms and privacy practices, which should be reviewed separately.

08Disclaimers

Coverage descriptions, premium estimates, and timelines are presented for general guidance. Final terms always come from the carrier providing the policy. Reliance on site content for binding decisions is at the visitor's own risk.

09Limitation of Liability

KelsoCover is not responsible for indirect, incidental, or consequential outcomes that may arise from using the site or relying on its content. Liability is limited to the maximum extent allowed under applicable law.

10Indemnification

Users agree to defend and hold harmless KelsoCover and its partners from claims arising out of misuse of the site, breach of these terms, or violation of applicable laws during site use.

11Changes to Terms

These terms may be revised periodically to reflect service changes, regulatory updates, or general improvements. The revised date will appear at the top of the page after updates are published.

12Governing Law

These terms are governed by the laws of the State of Ohio. Any disputes that cannot be resolved through discussion will be handled in the courts located in the appropriate jurisdiction.

13Contact

Questions about these terms can be sent through the methods listed below.