Terms and Conditions

1. Acceptance of Terms

By purchasing, accessing, downloading, or using any product, service, or material from CoveredSenior or any associated brands operated by Blackwell Harbor LLC (collectively, the "Company," "we," "us," or "our"), you ("Customer," "you," or "your") enter into a legally binding agreement and acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions in their entirety.

If you do not agree to these Terms, DO NOT PURCHASE OR USE our products.

2. Educational Materials Only — Not Insurance or Financial Advice

2.1 Nature of Products

All products sold are strictly educational materials provided for informational purposes only. We are NOT:

• An insurance company, insurance agent, or insurance broker
• A licensed insurance producer or agent
• A financial advisor or financial planner
• A credit repair organization or service
• A law firm or legal service provider
• Licensed professionals in any regulated field

2.2 What You Are Purchasing

You are purchasing educational content only, including but not limited to:

• Digital PDF guides and documents
• Educational frameworks and methodologies
• Template letters and forms for personal use
• Informational strategies and techniques
• General educational content about final expense insurance

2.3 What You Are Not Purchasing

You are NOT purchasing:

• Insurance policies or coverage of any kind
• Insurance pricing or rate guarantees
• Financial advice or planning services
• Legal advice or representation
• Personalized advice specific to your situation
• One-on-one consulting or coaching
• Services performed on your behalf

3. No Guarantees — Results Vary

3.1 Zero Guarantees Statement

We make ABSOLUTELY NO GUARANTEES, WARRANTIES, REPRESENTATIONS, OR PROMISES regarding:

• Any specific insurance rates or pricing
• Insurance policy approval or eligibility
• Coverage amounts or policy terms
• Any particular outcomes from using our materials
• Insurance company responses or decisions
• Any financial outcomes

3.2 Results May Vary

Insurance rates, availability, and underwriting rules vary significantly by:

• Individual health conditions and history
• Age and tobacco status
• Carrier-specific underwriting guidelines
• State regulations
• Current market conditions

What works for one person may not work for another. You should always consult a licensed insurance professional and compare multiple carriers before purchasing any policy.

3.3 Testimonials Disclaimer

Testimonials, reviews, or examples shown on this website are individual experiences and are not representative of typical results. These are provided for illustrative purposes only and should not be considered as guarantees or expected outcomes.

4. Refund Policy

4.1 30-Day Satisfaction Guarantee

We offer a 30-day money-back guarantee on all digital products. If you are not satisfied with your purchase, you may request a full refund within 30 days of the purchase date.

4.2 How to Request a Refund

To request a refund, contact us at hello@coveredsenior.com with your order details (email used for purchase, approximate date of purchase).

4.3 Refund Processing

Refunds are processed within 1-2 business days and issued to the original payment method used during purchase.

4.4 Chargeback Policy

Filing a chargeback without first contacting us for a refund may result in account termination and restriction from future purchases. Please contact us first before initiating a dispute.

5. Limitation of Liability

To the fullest extent permitted by law, our total liability shall not exceed the amount paid for the product. We are not liable for indirect, incidental, consequential, special, or punitive damages.

Our guides are for educational purposes only and do not constitute professional insurance, legal, or financial advice.

6. Disclaimers of Warranties

All products are provided "AS IS" and "AS AVAILABLE." All warranties, express or implied, including but not limited to merchantability, fitness for a particular purpose, and non-infringement, are disclaimed.

We do not warrant that the information in our materials is accurate, complete, or up-to-date. Insurance regulations and carrier policies change frequently.

7. Intellectual Property Rights

All content, including but not limited to text, graphics, logos, images, audio, video, and software, is the property of Blackwell Harbor LLC or its content suppliers and is protected by international copyright laws.

A limited, personal-use license is granted upon purchase. You may use the materials for your personal educational purposes only. Redistribution, resale, sharing, or commercial use is prohibited without our express written permission.

8. User Responsibilities and Conduct

You agree to:

• Use our products for lawful purposes only
• Provide accurate and truthful information
• Not redistribute or resell our content
• Not use our materials for any illegal purpose

You agree to indemnify the Company against any claims arising from your misuse of our materials or violation of these Terms.

9. Not Professional Advice — Consult a Licensed Professional

Nothing provided in our educational materials constitutes legal, financial, insurance, tax, investment, or career advice. Insurance is a regulated industry, and we are not authorized to sell, solicit, or negotiate insurance.

Always consult a licensed insurance professional before purchasing any insurance policy. Verify any information in our guides with a qualified professional and a current policy quote from each carrier.

10. Privacy and Data Collection

We collect necessary purchase and access information. Payment processing is handled by reputable third-party processors (Stripe, PayPal). We do not store your full payment information.

Marketing emails may be sent with opt-out options. For more information, see our Privacy Policy.

11. SMS/Text Messaging Program Terms

By providing your mobile phone number and opting in to receive text messages from CoveredSenior (operated by Blackwell Harbor LLC), you consent to receive automated SMS messages regarding:

• Order confirmations and program access links
• Educational program updates and reminders
• Customer support communications
• Requested information and resources

11.1 Message Frequency and Rates

Message frequency varies based on your interactions and program activity. Message and data rates may apply depending on your mobile carrier plan. You are responsible for any messaging or data charges from your carrier.

11.2 Opt-Out Instructions

You may opt out of receiving text messages at any time by replying STOP to any message. You will receive a confirmation message acknowledging your opt-out request.

11.3 Help Instructions

For assistance with SMS messages, reply HELP to any message or contact our support team at hello@coveredsenior.com.

11.4 No Sharing of Mobile Information

No mobile information will be shared with third parties or affiliates for marketing or promotional purposes. Your mobile phone number and SMS opt-in consent are used solely for communications directly related to your CoveredSenior educational program and customer service.

11.5 Carrier Liability

Mobile carriers (AT&T, Verizon Wireless, T-Mobile, Sprint, Boost Mobile, Cricket Wireless, MetroPCS, U.S. Cellular, Virgin Mobile, and other participating carriers) are not liable for delayed or undelivered messages.

11.6 Supported Carriers

Supported carriers include but are not limited to: AT&T, Verizon Wireless, T-Mobile, Sprint, Boost Mobile, Cricket Wireless, MetroPCS, U.S. Cellular, and Virgin Mobile. Coverage and availability may vary by carrier.

11.7 Program Modifications

We reserve the right to modify or discontinue the SMS program at any time without prior notice.

12. Modification of Terms

We may modify these Terms at any time at our sole discretion. If a revision is material, we will provide at least 30 days' notice prior to any new terms taking effect. Your continued use of our service after any revisions become effective constitutes acceptance of the revised terms.

13. Modification of Products

We may modify, discontinue, or update any products without obligation to notify or provide updates. Prices are subject to change.

14. External Links and Third Parties

Our website may contain links to third-party websites. We do not endorse or assume responsibility for any third-party content. Use is at your own risk.

15. Termination and Access

We may terminate access for violations, fraud, or misuse of our materials. No refunds will be issued upon termination.

16. Dispute Resolution and Arbitration

All disputes shall be resolved through binding individual arbitration in accordance with the American Arbitration Association. Class actions and jury trials are waived. Arbitration will be conducted on an individual basis only.

17. Governing Law and Jurisdiction

These Terms are governed by the laws of the State of Delaware, USA. Any legal proceedings shall be brought in the state or federal courts of Delaware.

18. Severability

If any provision of these Terms is found to be unenforceable or invalid, the remaining provisions shall remain in full force and effect.

19. Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and the Company.

20. Force Majeure

We are not liable for delays or failures caused by events beyond our reasonable control, including but not limited to natural disasters, acts of war, terrorism, or government actions.

21. Assignment

You may not assign your rights or obligations under these Terms without our written consent. We may assign these Terms freely to any successor entity.