Terms of Service

Effective date: September 20, 2026

These Terms of Service (“Terms”) govern your use of moosecover.com and related services (the “Services”) operated by BetterAds Solutions LLC (“MooseCover,” “we,” “us”). By accessing or using the Services you agree to these Terms and to our Privacy Policy. If you do not agree, do not use the Services.

1. What the Services are — and are not

MooseCover is an advertising and referral service. We collect information you choose to provide and share it with licensed insurance agents, carriers, agencies and other marketing partners (“Partners”) who may contact you with quotes and related offers. MooseCover is not an insurance company, insurance agency or broker, and does not sell, underwrite, bind or service insurance policies. Any quote, policy, coverage decision or advice comes from the Partner, not from us. We do not guarantee that you will receive a quote, that any quote will be accurate or the lowest available, or that any Partner will offer you coverage.

2. Eligibility

You must be at least 18 years old and a resident of the United States to use the Services. By submitting a request you represent that the information you provide is accurate and complete, that it concerns you (or someone who has authorized you to act for them), and that you are the regular user of the telephone number and email address provided.

3. Consent to be contacted

When you submit a quote request and check the consent box, you provide your express written consent — as described in the disclosure presented with the form — for MooseCover, its affiliates and its Partners to contact you at the phone number and email you provided by telephone call, text message, email and pre-recorded or artificial-voice message, including through an automatic telephone dialing system, even if your number is listed on a State, Federal or Company Do-Not-Call registry. Consent is not a condition of purchasing any goods or services. Message and data rates may apply. You may revoke your consent at any time by replying STOP to any text, asking any caller to stop, or emailing support@moosecover.com; revocation with us does not automatically revoke consent you gave directly to a Partner. See our SMS Terms.

4. Compensation and advertising disclosure

Partners pay MooseCover when we refer your request to them. This compensation may influence which Partners receive your request, how many, and in what order. The Services do not include every insurer or agent available in your area. See our Advertising Disclosure.

5. Acceptable use

You agree not to submit false, misleading or third-party information without authorization; use automated means (bots, scrapers) to access or submit to the Services; interfere with the security or operation of the Services; or use the Services for any unlawful purpose. We may suspend or terminate access to anyone who violates these Terms.

6. Intellectual property

The Services, including the MooseCover name, logo, moose mark, design, text and software, are owned by MooseCover or its licensors and protected by intellectual-property law. You may use the Services for your personal, non-commercial purpose of requesting insurance quotes and may not copy, modify, distribute or create derivative works without our written consent.

7. Third-party sites and Partners

The Services may link to Partner or other third-party websites. We do not control and are not responsible for their content, products, practices or privacy policies. Your dealings with any Partner — including any policy you purchase — are solely between you and that Partner.

8. Disclaimer of warranties

THE SERVICES ARE PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT AND ACCURACY. WE DO NOT WARRANT THAT THE SERVICES WILL BE UNINTERRUPTED OR ERROR-FREE, THAT YOU WILL RECEIVE ANY QUOTE OR OFFER, OR THAT ANY INFORMATION PROVIDED BY A PARTNER IS ACCURATE.

9. Limitation of liability

TO THE FULLEST EXTENT PERMITTED BY LAW, MooseCover AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AFFILIATES AND PARTNERS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, DATA OR GOODWILL, ARISING OUT OF OR RELATED TO YOUR USE OF THE SERVICES OR ANY DEALINGS WITH A PARTNER. OUR TOTAL LIABILITY FOR ANY CLAIM ARISING OUT OF THE SERVICES WILL NOT EXCEED ONE HUNDRED U.S. DOLLARS ($100). Some jurisdictions do not allow certain limitations; in those jurisdictions our liability is limited to the greatest extent permitted by law.

10. Indemnification

You agree to indemnify and hold harmless MooseCover and its affiliates from any claim, loss or expense (including reasonable attorneys’ fees) arising from your breach of these Terms, your misuse of the Services, or information you submit.

11. Dispute resolution; arbitration; class-action waiver

Please read this section carefully — it affects your legal rights. Before filing a claim, you agree to contact us at legal@moosecover.com and attempt in good faith to resolve the dispute informally for 30 days. Any dispute not resolved informally will be resolved by binding individual arbitration administered by the American Arbitration Association under its Consumer Arbitration Rules, except that either party may bring an individual claim in small-claims court or seek injunctive relief for intellectual-property infringement. The arbitrator’s award may be entered in any court of competent jurisdiction. YOU ACKNOWLEDGE AND AGREE THAT YOU AND MOOSECOVER ARE EACH WAIVING THE RIGHT TO A TRIAL BY JURY AND THE RIGHT TO PARTICIPATE AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS ACTION OR REPRESENTATIVE PROCEEDING. You may opt out of this arbitration agreement by emailing legal@moosecover.com within 30 days of first using the Services.

12. Governing law

These Terms are governed by the laws of the State of Delaware and applicable U.S. federal law, without regard to conflict-of-law principles. Subject to Section 11, the state and federal courts located in Delaware have exclusive jurisdiction over any dispute.

13. General

These Terms, together with the Privacy Policy and SMS Terms, are the entire agreement between you and MooseCover regarding the Services. If any provision is held unenforceable, the remainder stays in effect. Our failure to enforce a provision is not a waiver. You may not assign these Terms; we may assign them in connection with a business transfer. No agency, partnership or employment relationship is created by these Terms.

14. Changes

We may modify these Terms or the Services at any time by posting a revised version with a new effective date. Your continued use after that date constitutes acceptance.

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