Last Updated: December 10, 2025
1. Introduction & Acceptance of Terms
Welcome to CoverageHaven.com. These Terms of Service (“Terms”) are a legal agreement between you and Rank Media Insurance Agency LLC (“Company,” “we,” “us,” or “our”) that govern your use of our website and services. By visiting or using this website (the “Website”) or related services (collectively with the Website, the “Services”), including submitting information through our online forms, you are agreeing to these Terms. If you do not agree to these Terms, please do not use our website.
We encourage you to read these Terms carefully, as they explain your rights and responsibilities when using our site. If you have any questions, feel free to contact us using the information provided at the end of these Terms.
We also encourage you to read our Privacy Policy, which is part of our agreement and incorporated into these Terms by reference.
By using our Website, you confirm that you are at least 18 years old and have the authority to agree to these Terms. If you use our Website or Services on behalf of another person or organization, you promise that you have their permission to do so and that they are bound by these Terms too.
BY AGREEING TO THESE TERMS, YOU ARE AGREEING TO RESOLVE MOST DISPUTES THROUGH BINDING INDIVIDUAL ARBITRATION RATHER THAN IN COURT, WHICH MEANS YOU ARE WAIVING THE RIGHT TO A JURY TRIAL AND TO PARTICIPATE IN CLASS OR REPRESENTATIVE ACTIONS, AS DESCRIBED IN MORE DETAIL BELOW IN THE ARBITRATION SECTION.
2. Description of Services
You understand and agree that Company only operates a lead generation and referral platform and is not a party to, and has no control over, any interactions, negotiations, proposals, quotes, offers, or transactions between you and any third-party insurers, brokers, agents, or other providers (collectively, “Providers”). Providers are independent contractors and are not employees, agents, partners, or joint venturers of Company, and Company does not direct or control their conduct, professional judgment, or business practices.
Any insurance or other products, services, quotes, terms, prices, coverage limits, exclusions, conditions, or recommendations you may receive from a Provider are provided solely by that Provider and are subject to the Provider’s own terms, disclosures, underwriting criteria, licensing, and compliance obligations. Company does not review, monitor, audit, endorse, warrant, or guarantee: (a) that any Provider will contact you, offer you a policy, or complete a transaction; (b) the availability, accuracy, timeliness, legality, or completeness of any quote, proposal, policy terms, or other information provided by a Provider; (c) that any coverage will meet your needs, expectations, or regulatory requirements; or (d) the licensing status, financial condition, solvency, or performance of any Provider.
All decisions about whether to communicate with a Provider, to purchase or renew any policy, to rely on any quote or recommendation, or to enter into any transaction are solely yours. You are responsible for conducting your own due diligence and for carefully reviewing all policy documents, terms, conditions, and exclusions before binding coverage. To the maximum extent permitted by law, Company disclaims all responsibility and liability for any acts, errors, omissions, misstatements, delays, failures, or misconduct by any Provider, and for any disputes or losses arising out of or relating to your dealings or contracts with any Provider. Any questions, complaints, claims, or disputes regarding a Provider’s products or services must be directed to that Provider, not to Company.
Company may change or replace Providers at any time without notice. Providers are independent third parties, and Company does not control Providers or their offers.
If you call a number listed on the Website, your call may be connected directly to a Provider. Providers may only sell insurance products in states where they are licensed.
3. User Eligibility & Responsibilities
Eligibility Requirements
To use Company’s Website and Services, you must be at least 18 years old and legally able to enter into a binding agreement. By accessing or submitting information through our Website, you confirm that you meet these age and legal requirements. Our Services are intended only for users within jurisdictions where such Services are lawful; if you access our Website from outside those areas, you do so on your own initiative and are responsible for complying with local laws.
User Obligations
When using Company’s Website or Services, you agree to provide accurate, complete, and truthful information. You are responsible for keeping your contact details up to date and for ensuring that any information you submit does not violate any laws or infringe on anyone else’s rights. You agree not to use our Website for any unlawful activities, to avoid submitting false or misleading information, and to respect the rights and privacy of others who use our Services. You also agree not to attempt to disrupt or interfere with the Website or its security features in any way.
User Account Creation
If Company allows you to create a user account now or in the future, you agree to provide accurate and current information during the registration process. You are responsible for keeping your account information up to date and for keeping your login credentials secure. You are responsible for any activity that happens under your account, whether or not you authorized it. If you believe your account has been compromised, you must notify us immediately. Company reserves the right to suspend or terminate accounts that contain false information or are used in violation of these Terms.
Use of Artificial Intelligence and Automated Tools
Company may use artificial intelligence (AI), automated systems, chat interfaces, or decision-support tools to assist in operating the Website, processing requests, or connecting you with Providers. These tools are designed to enhance efficiency and user experience but do not provide professional, legal, or insurance advice. Any recommendations or responses generated through such tools should be independently verified before reliance.
Prohibited Activities
You agree not to use Company’s Website or Services for any unlawful or harmful purpose. This includes, but is not limited to:
- Submitting false, incomplete, or misleading information.
- Using the Website to transmit spam, junk mail, or unsolicited marketing messages.
- Attempting to gain unauthorized access to the Website or other users’ information.
- Interfering with the operation or security of the Website.
- Using the Website to harass, threaten, abuse, or harm others.
- Uploading viruses, malware, or any malicious code.
- Violating any applicable laws or regulations when using our Website or Services.
- Copying, scraping, or using content from the Website for commercial purposes without our written permission.
- Soliciting lead buyers or investors.
- Offering any products or Services.
- Hyperlinking to the Website, co-branding, “framing,” or referencing the site whether by visible linking or invisible keyword, absent prior written permission of Company.
Any violation of these rules may result in your access being suspended or permanently removed from our site.
4. Submission of Information (Lead Form)
Your Lead Information
When you submit information to Company through our Website, you agree that all information you provide is accurate, complete, and not misleading. You retain ownership of any information you submit, but by providing it to us, you give Company permission to use, share, and transmit this information to Providers.
Consent to be Contacted
By submitting your contact information to Company, you expressly consent to be contacted about your inquiry and about insurance and other products or services that may be of interest to you by Company, its affiliates, Providers, and other third-party marketing partners, by telephone call, text message (SMS/MMS), and email. This consent includes consent to the use of an automatic telephone dialing system, artificial or prerecorded voices (including AI-generated voices), and automated texting technologies to contact the phone number(s) and email address(es) you provide, even if any such number is listed on a federal, state, or corporate Do Not Call registry.
You represent and warrant that: (a) you are the current subscriber or customary user of any phone number you provide; (b) you have the authority to provide this consent for each such number and email address; and (c) you will promptly notify Company if you no longer are the subscriber or customary user of any such number or if you wish to revoke consent. You agree that you will not provide any phone number or email address for which you do not have authority to provide consent, and you acknowledge that you are solely responsible for any claims arising from your failure to obtain such authority.
You understand that your consent to receive automated or non-automated marketing communications is not a condition of purchasing any goods or services. Standard message and data rates may apply.
You may revoke your consent and opt out of marketing communications at any time by following the instructions in the message (such as replying “STOP” to a text message), by submitting a request at https://coveragehaven.com/do-not-sell/. Company will honor your opt-out request as soon as reasonably practicable and in any event within the time required by applicable law. You acknowledge that revoking consent may limit Company’s and Providers’ ability to contact you about offers or services that may be relevant to you, but will not affect the lawfulness of communications sent before your revocation was processed.
Non-Exclusive Services; Lead Reuse
You acknowledge and agree that the Services are provided on a strictly non-exclusive basis. Nothing in these Terms limits Company’s right to work with, provide leads to, or otherwise do business with any other consumers or Providers, insurers, brokers, agents, marketers, or lead buyers, now or in the future.
By submitting your information through the Website or Services, you authorize Company, subject to its Privacy Policy and applicable law, to use, share, license, sell, and otherwise commercialize your lead information and related data (such as your contact information, insurance interests, and responses to forms) with multiple Providers and other third parties that may wish to offer you insurance or other products or services. You understand and agree that Company may contact you directly about additional products or services and may also enable multiple Providers or other third parties to contact you, and that you are not granted any exclusivity in any offers, opportunities, or relationships arising from your inquiry.
5. Intellectual Property
Ownership of Website Content and Brand
All content on the Website, including text, graphics, logos, icons, images, audio clips, video, software, and the overall design and “look and feel” of the Website (collectively, “Site Content”), is owned by Company or its licensors and is protected by copyright, trademark, and other intellectual property laws. Except as expressly permitted in these Terms, you may not copy, reproduce, modify, distribute, transmit, display, perform, publish, license, create derivative works from, or otherwise exploit any Site Content without Company’s prior written consent.
License for User-Limited Use
Subject to your continued compliance with these Terms, Company grants you a limited, revocable, non-exclusive, non-transferable, non-sublicensable license to access and use the Website and Site Content solely for your personal, non-commercial use in connection with evaluating and requesting information about insurance and related products or services. Any use of the Website or Site Content not expressly authorized by these Terms is prohibited and automatically terminates this license.
Handling of User-Submitted Content and License to Company
When you submit or provide any information, content, or materials to Company through the Website or Services (including, without limitation, lead information, contact details, form responses, preferences, text, images, feedback, and other data) (collectively, “User Content”), you retain ownership of your rights in that User Content, subject to the license you grant below.
You hereby grant Company a worldwide, perpetual, irrevocable (except as required by applicable law), royalty-free, fully paid-up, transferable, and sublicensable license to use, host, store, reproduce, adapt, modify, translate, create derivative works from, distribute, transmit, publicly display, publicly perform, and otherwise exploit your User Content, in any media or format now known or later developed, for the purposes of: (a) operating, maintaining, and improving the Website and Services; (b) using, sharing, licensing, selling, and otherwise commercializing leads and lead data, including with Providers, affiliates, and other third parties that may wish to contact you; (c) developing, training, and improving Company’s analytics, models, and business processes; and (d) complying with legal obligations and enforcing Company’s rights. This license is subject to Company’s Privacy Policy and applicable privacy and data-protection laws.
To the maximum extent permitted by law, you irrevocably waive (and agree not to assert) any moral rights or similar rights you may have in your User Content against Company and its sublicensees.
You represent and warrant that you have all rights, consents, and permissions necessary to grant the above license and to submit the User Content, and that your User Content and Company’s use of it as permitted by these Terms will not violate any law or infringe, misappropriate, or violate the rights of any third party.
6. Third Parties
Your Interactions with Third Parties
Company may provide links to third-party websites, advertisements, or applications for your convenience. When you click on one of these links, you are leaving our Website and will be subject to the terms of use and privacy policy of the third-party site or service. Similarly, your interactions with any insurer, broker, or agent are interactions with a third-party.
We do not control or endorse, and are not responsible for, the content, data practices, or actions of any third party or its website, advertising, mobile apps, or practices. Your interactions with these third parties are entirely at your own risk. We encourage you to review the terms and privacy policies of any third-party before engaging with them.
7. Term & Termination
These Terms remain in effect for as long as you use the Company Website or Services. You may stop using our Website or Services at any time. We may also suspend or terminate your access, without notice, if you violate these Terms or engage in unauthorized or harmful conduct.
Upon termination, your right to use the Services will end immediately. Some provisions of these Terms, including but not limited to intellectual property, disclaimers, limitations of liability, indemnification, governing law, and dispute resolution, will survive termination.
If your account is terminated or suspended, you may lose access to your information or content, and Company is not responsible for any loss of data resulting from termination. We recommend you save any important information prior to termination.
Termination of your use of the Website or Services does not relieve you of any obligations incurred prior to termination, including payment obligations or liability for breaches of these Terms.
8. Limitations and Disclaimers
LIMITATIONS OF LIABILITY
TO THE FULLEST EXTENT PERMITTED BY LAW, COMPANY, ITS AFFILIATES, OFFICERS, EMPLOYEES, AGENTS, PARTNERS, AND LICENSORS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, REVENUES, DATA, GOODWILL, OR OTHER INTANGIBLE LOSSES RESULTING FROM YOUR USE OF OR INABILITY TO USE THE WEBSITE OR SERVICES—EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
OUR TOTAL LIABILITY TO YOU FOR ANY CLAIMS ARISING OUT OF OR RELATING TO THESE TERMS OR YOUR USE OF THE WEBSITE OR SERVICES (INCLUDING THE WEBSITE AND SERVICES OF THIRD-PARTY PROVIDERS), REGARDLESS OF THE CAUSE OF ACTION, WILL NOT EXCEED THE GREATER OF (A) THE TOTAL AMOUNT YOU HAVE PAID TO US, IF ANY, IN CONNECTION WITH YOUR USE OF THE WEBSITE OR SERVICES DURING THE TWELVE (12) MONTHS BEFORE THE CLAIM AROSE, OR (B) ONE HUNDRED DOLLARS ($100).
Some jurisdictions do not allow the exclusion or limitation of certain types of damages or liability, so some of the above limitations may not apply to you. In such cases, our liability will be limited to the maximum extent permitted by applicable law.
These limitations apply to all claims, whether based on warranty, contract, tort (including negligence), statute, or any other legal theory, and whether or not Company has been informed of the possibility of any such damage.
DISCLAIMER OF WARRANTIES
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE WEBSITE, SERVICES, AND ALL CONTENT, FEATURES, TOOLS, MATERIALS, AND INFORMATION MADE AVAILABLE THROUGH THEM (INCLUDING ANY ESTIMATES, QUOTES, SAMPLE RATES, DESCRIPTIONS OF COVERAGE, OR OTHER INFORMATION ABOUT INSURANCE PRODUCTS OR PROVIDERS) ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS, WITH ALL FAULTS, AND WITHOUT ANY WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE. COMPANY EXPRESSLY DISCLAIMS ALL WARRANTIES, INCLUDING BUT NOT LIMITED TO ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, QUIET ENJOYMENT, ACCURACY, COMPLETENESS, AND NON-INFRINGEMENT, AS WELL AS ANY WARRANTIES ARISING OUT OF COURSE OF DEALING, USAGE, OR TRADE PRACTICE.
Without limiting the foregoing, Company does not warrant or guarantee that: (a) the Website or services will be uninterrupted, timely, secure, or error-free; (b) any leads, matches, or introductions to Providers will result in you being contacted, receiving a quote, obtaining coverage, or achieving any particular result; (c) any quotes, rates, terms, or policy information displayed or relayed will be current, complete, accurate, or available at a later time; or (d) any Provider, product, service, or offer will meet your needs, expectations, or regulatory requirements.
All content, tools, communications (including through any chat or AI-powered features), and materials made available through the Website or services are for general informational and educational purposes only and do not constitute, and are not a substitute for, professional advice of any kind, including legal, tax, financial, investment, or insurance advice. company does not provide, and you agree that you are not relying on company for, any personalized recommendation or advice regarding the suitability, adequacy, or appropriateness of any insurance policy, coverage amount, Provider, or other product or service.
You alone are responsible for evaluating your own needs and risks and for deciding whether to communicate with any Provider or to purchase, modify, renew, or cancel any policy or other product or service. before making any decision, you should consult directly with qualified professionals, including a licensed insurance producer or other advisor of your choosing, and carefully review all policy documents, disclosures, and terms provided by the applicable provider. any reliance you place on information obtained from or through the Website or services is strictly at your own risk.
9. Indemnity
You agree to indemnify and hold harmless Company and its affiliates, officers, employees, and agents from any claims, damages, losses, liabilities, costs, or expenses (including reasonable attorneys’ fees) arising out of or related to your use of the Website or Services, your violation of these Terms, or your violation of any rights of another person or entity. This means that if you use our Website or Services improperly or unlawfully and it causes harm or a legal claim against Company, you agree to cover those costs to the extent allowed by law.
10. Arbitration Agreement
Dispute Resolution & Arbitration Agreement
Any dispute, claim, or controversy arising out of or relating to these Terms or your use of the Company Website or Services will be resolved by binding arbitration administered by JAMS under its Consumer Arbitration Minimum Standards, as amended effective May 1, 2024, and the JAMS rules in effect at the time the arbitration is commenced. Only one neutral arbitrator will preside, following the applicable JAMS rules. If JAMS is unavailable or unable to administer the arbitration for any reason, the parties shall promptly confer in good faith to select a comparable, nationally recognized arbitration organization to administer the arbitration under similar rules and procedures.
The arbitration will be venued at the JAMS facility in the United States closest to your residence at the time your claim arose, but the arbitrator will allow all parties to participate remotely, such as by videoconference, if requested for convenience or cost savings. The arbitrator’s award may be appealed under the JAMS Optional Arbitration Appeal Procedures.
Arbitration and Attorneys’ Fees
You agree to pay up to $250 as an initial arbitration filing fee; Company will pay all other JAMS costs and arbitrator fees unless the arbitrator determines your claim was brought in bad faith, in which event the arbitrator may apportion fees as appropriate.
Each party remains responsible for their own attorney’s fees unless otherwise provided by applicable law. If you bring a claim with a statutory right to recover attorney’s fees, the arbitrator may award fees at their discretion after the final hearing.
Remedies in Aid of Arbitration
Any request for relief in aid of arbitration (such as to compel arbitration or to seek injunctive relief) will be filed exclusively in the state or federal courts located in or nearest to Miami, Florida. You and Company consent to the jurisdiction of these courts for these specific purposes.
Class Action Waiver and Joinder Restrictions
Arbitration will be conducted solely on an individual basis and not in a class, consolidated, or representative action. Neither you nor Company may join, consolidate, or arbitrate claims with or against others, except as expressly allowed under JAMS’ Mass Arbitration Procedures. If 75 or more similar arbitration demands are filed by claimants represented by the same law firm or coordinated law firms, JAMS’ Mass Arbitration Procedures and Fee Schedule will apply. The arbitrator may address threshold jurisdictional and arbitrability disputes under those procedures.
By agreeing to this arbitration provision, you acknowledge and understand that you are waiving your right to a trial by jury and to participate as a plaintiff or class member in any purported class or representative proceeding. All remedies available under applicable law remain available in arbitration.
Small Claims Court Option
Either you or Company may choose to bring an individual claim in small claims court, rather than in arbitration, for disputes or claims that are within the jurisdictional limits of that court. If a claim is brought in small claims court and is confined to that court, it will not be subject to arbitration unless both parties agree. This right applies to both you and Company and does not prevent either party from seeking arbitration for other claims that do not qualify for small claims court.
Survival
This agreement to arbitrate survives the termination of these Terms and your relationship with Company. If any portion of this clause is found to be unenforceable, the remaining provisions will remain in effect to the fullest extent permitted by law.
11. Governing Law
These Terms, and any dispute arising out of or related to them or your use of the Company Website or Services, will be governed by and construed in accordance with the laws of the State of Florida, without regard to its conflict of law rules.
12. Changes to Terms
Company reserves the right to update or change these Terms at any time. When we make material changes, we will provide notice by posting the updated Terms on our Website and, if you have provided us your email address or created an account, by sending you an email or displaying a prominent pop-up or banner notification on the Website before the changes take effect. The updated Terms will be effective as of the date stated in the notice. Your continued use of the Website and Services after the effective date of the updated Terms constitutes your acceptance of those changes. If you do not agree with the changes, you should stop using the Website and Services.
13. Miscellaneous
Severability
If any part of these Terms is found to be invalid or unenforceable, that part will be limited or eliminated to the minimum extent necessary, and the rest of these Terms will remain in full force and effect.
Entire Agreement
These Terms, together with any policies or additional terms referred to herein, constitute the entire agreement between you and Company regarding your use of the Website and Services, and supersede any prior agreements or understandings, whether written or oral.
Independent Contractors
You and Company are independent contractors. Nothing in these Terms creates any agency, partnership, joint venture, employment, or franchise relationship.
Waiver
If Company does not enforce any right or provision of these Terms, that does not mean a waiver of such right or provision in the future.
Assignment and Transfer
You may not assign or transfer your rights or obligations under these Terms without written consent from Company. We may assign or transfer our rights and obligations under these Terms to another entity in the event of a merger, sale, or similar transaction.
Electronic Agreement
You agree that electronically agreeing to these Terms, such as by clicking “I Agree” or a similar button, has the same legal effect as signing a paper contract.
14. Contact Information
You may contact Company at Rank Media Insurance Agency LLC, 100 SE 2nd St, Miami, FL 33131 or [email protected].