Terms of Service

Covian is an educational platform that uses AI-powered conversations to help users understand life insurance concepts, coverage types, and general guidance on evaluating their insurance needs.

The Service is designed for educational and informational purposes only. Covian does not sell insurance products, does not act as a licensed insurance broker or agent, and does not provide personalized financial, legal, or insurance advice.

Nothing on this platform constitutes professional financial advice, insurance advice, or a recommendation to purchase any specific insurance product.

The information and outputs generated by our AI assistant are general in nature and may not be appropriate for your specific situation. Coverage summaries, estimates, and explanations are educational tools, not policy quotes or binding offers.

You should always consult with a licensed insurance professional, financial advisor, or other qualified expert before making decisions about life insurance coverage.

When using the Service, you agree to:

• •Provide accurate information during conversations to receive relevant educational guidance
• •Use the Service only for its intended educational purpose
• •Not attempt to reverse-engineer, disrupt, or interfere with the operation of the Service
• •Not use the Service for any unlawful purpose or in violation of any applicable laws
• •Not submit content that is harmful, abusive, or infringing on the rights of others

All content, design, code, AI models, and other materials on the Service are owned by or licensed to Covian and are protected by copyright, trademark, and other intellectual property laws.

You may use the Service for personal, non-commercial educational purposes. You may not copy, reproduce, distribute, or create derivative works from the Service or its content without our prior written permission.

Your conversation data remains yours. We may use anonymized and aggregated conversation data to improve our Service as described in our Privacy Policy.

The Service is provided “as is” and “as available” without warranties of any kind, whether express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, or non-infringement.

To the fullest extent permitted by applicable law, Covian shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of the Service, including but not limited to damages arising from reliance on any information provided through the Service.

Our total liability to you for all claims arising from or related to the Service shall not exceed the amount you paid us in the twelve months preceding the claim, or one hundred dollars ($100), whichever is greater.