Terms & Conditions

1. Agreement to Terms

These Terms & Conditions constitute a legally binding contract made between you, whether personally or on behalf of an entity, and Coverage Crane, operated by our parent company SYMNIQ LLC ("we," "us," or "our"), regarding your access to and use of our website and any related media channels or applications. By accessing this site, you agree that you have read, understood, and consent to be bound by all of these Terms & Conditions. If you do not agree, you are prohibited from using the site and must discontinue access immediately.

2. Intellectual Property Rights

Unless otherwise indicated, the website is our proprietary property. All source code, databases, website designs, audio, video, text, and graphics on the site (collectively, the "Content") and the trademarks, service marks, and logos contained therein (the "Marks") are owned or controlled by us or licensed to us, and are protected by copyright and trademark laws.

3. User Representations & Consent

By using the site or submitting a quote request, you represent and warrant that:

• All registration and submission details you submit are truthful, accurate, and complete.
• You have the legal capacity and you agree to comply with these Terms & Conditions.
• You are not a minor in the jurisdiction in which you reside.
• You consent to being contacted by Coverage Crane, SYMNIQ LLC, and our insurance carrier and agency partners using the contact information you provided (including via phone, SMS, and automated dialers) in accordance with our Privacy Policy.

4. Prohibited Activities

You may not access or use the site for any purpose other than that for which we make the site available. The site may not be used in connection with any commercial endeavors except those that are specifically endorsed or approved by us. Prohibited activity includes, but is not limited to, harvesting usernames/emails, systematic retrieval of data to create a database/directory, circumventing security features, or attempting to impersonate another user.

5. Insurance Disclaimers

Coverage Crane is an independent information resource and comparison platform. We are not an insurance carrier. All quotes, plan details, deductibles, premiums, and coverage features are estimates and subject to final underwriting and approval by the issuing insurance carrier. We do not guarantee that any user will be approved for a specific plan, nor do we guarantee that the quotes displayed are the absolute lowest rates available in your market.

6. Limitation of Liability

In no event will Coverage Crane or its parent company SYMNIQ LLC, or our directors, employees, or agents, be liable to you or any third party for any direct, indirect, consequential, exemplary, incidental, special, or punitive damages, including lost profit, lost revenue, loss of data, or other damages arising from your use of the site or services, even if we have been advised of the possibility of such damages.

7. Governing Law

These Terms and your use of the website are governed by and construed in accordance with the laws of the State of Delaware, without regard to its conflict of law principles. Any legal action or proceeding arising under these Terms shall be brought exclusively in the state or federal courts located in Delaware.

8. Modifications and Interruptions

We reserve the right to change, modify, or remove the contents of the site at any time or for any reason at our sole discretion without notice. We also reserve the right to modify or discontinue all or part of the services without notice at any time. We will not be liable to you or any third party for any modification, price change, suspension, or discontinuance of the site.