1. Agreement to these Terms
These Terms & Conditions (“Terms”) are a binding agreement between you and Alcove Insurance Partners, Inc. and the affiliated, licensed insurance agencies through which insurance is offered and serviced (collectively, “Alcove,” “Partner Agency,” “Partner Agencies,” “we,” “us,” or “our”) and govern your access to and use of www.joinalcove.ai and related websites, applications, and online or telephonic services (the “Services”). By accessing or using the Services, requesting a quote, or purchasing or servicing insurance through a Partner Agency, you agree to these Terms and to our Privacy Policy, which is incorporated by reference. If you do not agree, do not use the Services.
2. Eligibility
You must be at least 18 years old and a resident of the United States to use the Services. By using the Services, you represent that you meet these requirements and that the information you provide is accurate and complete.
3. What we do — and what we are not
Insurance is offered and serviced through the Partner Agencies, which are licensed insurance agencies, not insurance companies. Alcove provides administrative, technology, operational, staffing-support, compliance-support, and back-office services to the Partner Agencies as an independent service provider, and does not control the day-to-day insurance operations of any Partner Agency. Each Partner Agency is separately licensed and remains responsible, through its Designated Responsible Licensed Producer (“DRLP”), for its own insurance activities and regulatory compliance. We help you shop for, request quotes on, purchase, and service personal-lines property and casualty insurance (such as home and auto) offered by third-party insurance carriers. Alcove and certain referral-source partners (such as title agencies, mortgage lenders, and property managers) (each, an “Industry Partner”) have ownership interests in certain Partner Agencies.
We are not an insurance company. We do not underwrite insurance or guarantee that any coverage will be issued, renewed, or available at any particular price. Coverage, eligibility, premiums, and policy terms are determined solely by the issuing carrier and are governed by the actual policy documents. Nothing on the Services is an offer or binder of insurance, and no coverage is in force unless and until a carrier issues a policy. Information on the Services is for general purposes only and is not insurance, financial, tax, or legal advice. You should review actual policy documents and consult appropriate professionals about your specific needs.
4. Affiliated business arrangement; your freedom to choose
Alcove and certain Industry Partners have ownership interests in certain Partner Agencies. Where an Industry Partner refers you to a Partner Agency, this may be an affiliated business arrangement, and you will receive a separate written Affiliated Business Arrangement disclosure where required by the Real Estate Settlement Procedures Act (RESPA) and applicable law. You are not required to use Alcove or any Partner Agency. There are other providers of these services available to you, and you are free to shop for and obtain insurance from any provider you choose. Any ownership return an Industry Partner receives is intended to be a return on its ownership interest and not compensation for referring you.
5. License and Restrictions
You are hereby granted a personal, non-exclusive, revocable, non-transferable license to use the Services and view the content, materials, and information available on the Services for your personal and non-commercial purposes. Neither title nor intellectual property rights are transferred to you, but remain with Alcove, who is the exclusive owner of all rights, title, and interest therein. Except as otherwise expressly provided, all rights are reserved to us.
You will not copy, reproduce, modify, use, republish, upload, post, transmit, sell, resell, license, otherwise distribute, or commercially exploit in any way, decompile, reverse engineer, disassemble, otherwise attempt to derive source code from, or modify or create derivative works based on, the Services or any software or materials obtained from or through the Services. You may not rent, lease, lend, redistribute, sublicense, or transfer the Services. Alcove reserves the right to terminate your access to the Services for any violation of these Terms in our sole discretion.
You will not use the Services for any unlawful or abusive purposes, including but not limited to the violation of any Alcove or third-party intellectual property rights, and the posting or distribution of any “harmful” or “malicious” code or programming devices (e.g., viruses, corrupted files, key locks, back doors, trap doors, timers or other disabling devices) or any other similar software or programs that may adversely affect the operation of the Services or any other software or hardware.
6. Electronic communications and consent (E-SIGN)
By using the Services, you consent to transact business and receive communications, disclosures, notices, and records from us electronically, and you agree that electronic delivery has the same legal effect as paper delivery under the federal Electronic Signatures in Global and National Commerce Act (E-SIGN Act) and applicable state law. You may withdraw consent or request paper copies as described in our disclosures; doing so may limit your ability to use certain Services.
7. Telephone and text-message consent (TCPA)
When you provide your telephone number and agree where prompted, you provide prior express written consent to receive calls and text messages from or on behalf of Alcove and the applicable Partner Agency — including by automatic telephone dialing systems and prerecorded or artificial voice — at the number you provide, for quoting, servicing, and (where you consent) marketing. Consent is not a condition of purchasing any product or service. Message and data rates may apply; message frequency varies. Reply HELP for help and STOP to opt out of texts at any time. We honor do-not-call and revocation requests as required by the TCPA, the FTC Telemarketing Sales Rule, and applicable state telemarketing laws.
8. Accounts and your responsibilities
If you create an account, you are responsible for keeping your credentials confidential and for all activity under your account. You agree to provide accurate, current, and complete information and to update it as needed. Notify us promptly of any unauthorized use.
9. Acceptable use
You agree not to: (a) use the Services unlawfully or fraudulently; (b) submit false or misleading information; (c) infringe others’ rights; (d) access the Services through unauthorized means; (e) introduce malware; (f) scrape, reverse engineer, or overburden the Services; or (g) interfere with their operation or security.
10. Artificial Intelligence (“AI”) features and automated tools
The Services may use artificial intelligence and automated tools, including conversational chat. Where you interact with an automated chat tool, we identify it as such where required by law. AI-generated outputs are provided for convenience only, may not be accurate or complete, and do not constitute advice of any kind; coverage and pricing are determined by carriers. A qualified and properly licensed human is involved in decisions that materially affect your coverage to the extent required by applicable insurance law, and you may request human review where required. Our use of AI and automated tools is described further in our Privacy Policy.
11. Intellectual property
The Services, including all software, the underlying technology platform and data models, text, graphics, logos, and trademarks, are owned by Alcove or its licensors and are protected by intellectual property laws. We grant you a limited, revocable, non-exclusive, non-transferable license to use the Services for their intended purpose. You may not copy, modify, distribute, or create derivative works except as permitted in writing. “Alcove” and related marks may not be used without our permission.
12. Third-party content and links
The Services may include content from, or links to, carriers, partners, and other third parties that we do not control. We are not responsible for third-party content, products, services, or practices, and your dealings with third parties are solely between you and them. We do not endorse, warrant, or make any representations about any third-party content, products, or services.
Third-Party Services. The Services may integrate with or require the use of third-party services, applications, or platforms. Your use of any such third-party services is subject to the terms and conditions and privacy policies of those third parties. We are not responsible for the performance, availability, or content of any third-party services.
13. Disclaimer of warranties
EXCEPT AS EXPRESSLY PROVIDED AND TO THE FULLEST EXTENT PERMITTED BY LAW, THE SERVICES ARE PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT, AND ANY WARRANTY THAT THE SERVICES WILL BE UNINTERRUPTED, SECURE, OR ERROR-FREE, OR THAT INFORMATION WILL BE ACCURATE.
In addition, Alcove cannot and does not represent, guarantee, or warrant that the materials accessible on or via the Services are accurate, correct, complete, reliable, or current, and we are not responsible for any errors or omissions therein, or any consequences resulting from your reliance on such information.
WE will use reasonable commercial efforts to keep the Services available for access, subject to scheduled downtime for maintenance purposes, unscheduled maintenance and system outages. There are no assurances that the Services will be accessible or available at all times or that access will be uninterrupted.
14. Limitation of liability
TO THE FULLEST EXTENT PERMITTED BY LAW, ALCOVE AND ITS AFFILIATES, OFFICERS, DIRECTORS, MEMBERS, EMPLOYEES, AND AGENTS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR LOST PROFITS, REVENUE, DATA, OR GOODWILL, ARISING FROM OR RELATING TO YOUR USE OF THE SERVICES, WHETHER BASED ON WARRANTY, CONTRACT, TORT (INCLUDING NEGLIGENCE), STRICT LIABILITY, OR ANY OTHER LEGAL THEORY, EVEN IF ALCOVE HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. OUR TOTAL AGGREGATE LIABILITY FOR ANY CLAIM RELATING TO THE SERVICES WILL NOT EXCEED $50.00. NOTHING IN THESE TERMS LIMITS LIABILITY THAT CANNOT BE LIMITED UNDER APPLICABLE LAW, INCLUDING CERTAIN OBLIGATIONS UNDER INSURANCE LAW.
15. Indemnification
To the extent permitted by applicable law, you agree to indemnify, defend, and hold harmless Alcove and its affiliates and their respective officers, directors, members, employees, and agents from and against any and all claims, losses, damages, liabilities, and expenses (including reasonable attorneys’ fees and costs) arising from or relating to: (a) your use or misuse of the Services; (b) your violation of these Terms; (c) your violation of any applicable law or regulation; or (d) your violation of any third-party right, including any intellectual property, privacy, or proprietary right.
16. Dispute resolution; arbitration; class-action waiver
Except for disputes that must be resolved through insurance regulatory or carrier channels, or as otherwise prohibited by applicable state law, you and Alcove agree that any dispute arising out of or relating to these Terms or the Services will be resolved by binding individual arbitration administered by the American Arbitration Association (“AAA”) under its applicable rules, rather than in court, except that either party may bring qualifying claims in small-claims court. You and Alcove waive any right to a jury trial and to participate in a class or representative action. You may opt out of this arbitration provision by notifying us in writing at the address set forth in Section 19 (Contact Us) within 30 days of first accepting these Terms. This Section does not apply to the extent prohibited by applicable law.
17. Governing law and venue
These Terms are governed by the laws of the State of New Jersey, without regard to its conflict-of-laws rules. Subject to Section 16, any action must be brought exclusively in the state or federal courts located in Morris County, New Jersey, and you consent to their jurisdiction.
18. Changes, termination, and miscellaneous
We may modify these Terms or the Services at any time; material changes will be posted with a new effective date and, where required, additional notice will be provided. Continued use after changes take effect constitutes acceptance. We may suspend or terminate your access at any time. If any provision is held unenforceable, the remaining provisions stay in effect. These Terms, the Privacy Policy, and any disclosures referenced herein are the entire agreement between you and Alcove regarding the Services. We may assign these Terms; you may not assign them without our consent. Our failure to enforce a provision is not a waiver.
19. Contact Us
Alcove Insurance Partners, Inc.
55 Madison Avenue, Suite 400, Morristown, NJ 07960
Email: SUPPORT@JOINALCOVE.AI | Web: www.joinalcove.ai