Terms of Service

These Terms of Service (“Terms”) govern your access to and use of YourCoverageAdvocate.com and the services offered through the website.

Your Coverage Advocate is a consumer brand operated by Vanta Acquisitions LLC (“Your Coverage Advocate,” “Vanta,” “we,” “us,” or “our”).

By accessing the website, submitting a coverage request, or checking the box indicating your agreement, you agree to these Terms and acknowledge our Privacy Policy. If you do not agree, do not use the website or submit information.

You must be at least 18 years old and legally able to enter into an agreement to use this website or submit a coverage request.

This website is intended for consumers located in the United States. Insurance products and professional services may not be available in every state.

Your Coverage Advocate provides a consumer inquiry and insurance-professional matching service.

We may:

• Collect information about your general coverage needs
• Review the information you provide
• Connect you with an appropriate licensed insurance professional
• Facilitate communication regarding available insurance options
• Provide general educational information about insurance

Your Coverage Advocate is not an insurance carrier and does not issue, underwrite, bind, approve, or guarantee insurance policies.

Unless expressly stated otherwise, Your Coverage Advocate does not itself provide insurance, legal, tax, medical, or financial advice.

Insurance discussions, recommendations, quotes, applications, and policy services are provided by appropriately licensed insurance professionals or insurance agencies.

Licensed professionals are responsible for:

• Maintaining required licenses and appointments
• Explaining available insurance products
• Providing required disclosures
• Determining which carriers or products they represent
• Assisting with insurance applications
• Complying with applicable insurance and communication laws

Connecting you with a licensed professional does not create an endorsement or guarantee regarding that professional, agency, carrier, product, or service.

Submitting a request does not guarantee:

• Eligibility
• Approval
• Policy issuance
• A particular premium or price
• Availability of a carrier or plan
• Specific benefits or coverage amounts
• Savings compared with existing coverage
• That coverage will begin immediately

Insurance availability, pricing, eligibility, benefits, exclusions, and effective dates depend on individual circumstances, state law, underwriting requirements, carrier rules, application information, payment, and policy terms.

Coverage is not active until an insurance carrier confirms approval, all applicable requirements are satisfied, and the effective date stated in the policy has arrived.

You agree to provide information that is accurate, current, and complete to the best of your knowledge.

You are responsible for reviewing all information, applications, quotes, policy documents, exclusions, limitations, premiums, and effective dates before purchasing coverage.

Do not submit:

• Social Security numbers
• Bank or payment-card information
• Detailed medical records
• Account passwords
• Information about another person without proper authorization
• Information the website does not request

The website questionnaire is not an insurance application and should not be treated as one.

If you provide communication consent, Your Coverage Advocate may contact you by telephone, text, or email regarding your request. We may also share your information with a licensed insurance professional who can respond to your request.

Message frequency may vary. Message and data rates may apply. Reply STOP to opt out of text messages.

Consent to receive marketing communications is not a condition of purchasing any product or service.

You may withdraw communication consent as described in the consent disclosure and Privacy Policy. Withdrawal will not affect communications already sent or processing completed before the request was received.

Checking an agreement box, selecting a submission button, or otherwise providing electronic acceptance constitutes your electronic signature and agreement where permitted by law.

You are responsible for maintaining access to the email address and telephone number you provide.

Our collection, use, retention, and disclosure of personal information are described in our Privacy Policy.

By submitting a request, you acknowledge that your information may be disclosed to a licensed insurance professional and to service providers necessary to process and respond to the request.

The Privacy Policy is incorporated into these Terms by reference.

The website may link to or interact with third-party websites, insurance professionals, agencies, carriers, analytics providers, communication providers, and technology services.

We do not control third-party:

• Products or services
• Websites or privacy practices
• Licensing representations
• Policy decisions
• Pricing
• Availability
• Content
• Security practices

Your interactions with third parties may be governed by their own terms, privacy policies, disclosures, and agreements.

Website content is provided for general informational purposes. Insurance terminology and examples may be simplified and may not describe every product, exclusion, limitation, or state-specific requirement.

You should review official policy documents and ask questions before making a coverage decision. If website content conflicts with an issued policy, the policy documents control.

You may not:

• Use the website for unlawful, fraudulent, or deceptive purposes
• Submit false, misleading, or unauthorized information
• Impersonate another person
• Interfere with website security or operation
• Attempt to access systems or information without authorization
• Introduce viruses, malicious code, or harmful technology
• Scrape, copy, or extract website content through automated means without permission
• Use the website to harass, threaten, or harm others
• Violate another person’s privacy or legal rights

We may restrict or terminate access when we reasonably believe these Terms have been violated.

The website and its branding, design, text, graphics, logos, forms, and original content are owned by or licensed to Vanta Acquisitions LLC and are protected by applicable intellectual-property laws.

You may use the website only for personal, noncommercial purposes related to seeking insurance assistance.

No ownership rights are transferred to you through use of the website.

We may modify, suspend, discontinue, or restrict any part of the website at any time.

We do not guarantee that the website will always be available, uninterrupted, secure, or free from errors. We may correct errors and update content without notice.

To the fullest extent permitted by law, the website and related services are provided on an “as is” and “as available” basis.

We disclaim warranties not expressly stated in these Terms, including implied warranties of merchantability, fitness for a particular purpose, title, and noninfringement.

Nothing in these Terms excludes warranties or consumer protections that cannot legally be excluded.

To the fullest extent permitted by law, Your Coverage Advocate and Vanta Acquisitions LLC will not be liable for indirect, incidental, special, consequential, exemplary, or punitive damages arising from:

• Use of or inability to use the website
• Reliance on general website content
• Actions or omissions of third parties
• Insurance eligibility or underwriting decisions
• Policy terms, pricing, exclusions, or claim decisions
• Unauthorized access, interruptions, or technical problems

Nothing in these Terms limits liability that cannot legally be limited.

To the extent permitted by law, you agree to be responsible for losses, claims, or expenses resulting from your unlawful use of the website, material violation of these Terms, or submission of information you were not authorized to provide.

This section does not apply where prohibited by consumer-protection law.

These Terms are governed by the laws of the State of Oklahoma, without regard to conflict-of-law principles, except where another jurisdiction’s consumer-protection laws must apply.

Any dispute that cannot be resolved informally will be handled in a court of competent jurisdiction as permitted by applicable law.

We may update these Terms to reflect changes in our services, business practices, technology, or legal obligations.

Updated Terms will be posted with a revised “Last Updated” date. Continued use of the website after changes become effective constitutes acceptance where permitted by law.

If any provision of these Terms is found unenforceable, the remaining provisions will remain in effect. An unenforceable provision will be interpreted as closely as legally permitted to its intended purpose.

These Terms, the Privacy Policy, and any consent disclosures presented at submission constitute the agreement between you and us regarding use of the website.

They do not replace the terms of any insurance application or policy.

Questions about these Terms may be directed to:

Your Coverage Advocate
Operated by Vanta Acquisitions LLC
Email: info@yourcoverageadvocate.com
Website: https://yourcoverageadvocate.com