Terms of Service
These Terms contain a mandatory arbitration provision. By using our Services, you agree that any disputes between you and Coverage with Karnowksi LLC will be resolved by binding, individual arbitration, and you waive your right to participate in a class-action lawsuit or class-wide arbitration.
1. Acceptance of Terms
By accessing the website or utilizing the advisory services of Coverage with Karnowksi LLC ("Company"), you agree to be bound by these Terms of Service. If you do not agree to these Terms, you must not access or use the Website.
2. Professional Disclaimer
Not Medical or Legal Advice: The content provided by Coverage with Karnowksi LLC is for informational and insurance brokerage purposes exclusively. We do not provide medical diagnoses, treatment recommendations, tax advice, or legal counsel. Consumers should consult specialized professionals for respective matters.
Insurance Disclaimer: We are a licensed insurance agency, not an insurance carrier. Approval for coverage is solely determined by the underwriting departments of the respective insurance carriers. We do not guarantee issue, rate, or coverage parameters.
3. User Representations
By interacting with our platform, you represent and warrant that:
- You are of legal age to form a binding contract (18 years or older).
- All information you submit regarding yourself or your dependents is accurate, complete, and legally yours to provide.
- You will not use the Services for any fraudulent or illegal purpose.
4. Electronic Communications and SMS Consent
When you utilize our forms or send emails to us, you are communicating with us electronically. You consent to receive communications from us electronically via email or SMS (if explicitly opted-in). You agree that all agreements, notices, disclosures, and other communications provided electronically satisfy any legal requirement that such communications be in writing.
5. Limitation of Liability
IN NO EVENT WILL COVERAGE WITH KARNOWKSI LLC, ITS AFFILIATES, OR THEIR LICENSORS, SERVICE PROVIDERS, EMPLOYEES, AGENTS, OFFICERS, OR DIRECTORS BE LIABLE FOR DAMAGES OF ANY KIND, UNDER ANY LEGAL THEORY, ARISING OUT OF OR IN CONNECTION WITH YOUR USE, OR INABILITY TO USE, THE WEBSITE, ANY WEBSITES LINKED TO IT, ANY CONTENT ON THE WEBSITE, OR SUCH OTHER WEBSITES, INCLUDING ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES.
6. Dispute Resolution and Governing Law
All matters relating to the Website and these Terms, and any dispute or claim arising therefrom, shall be governed by and construed in accordance with the internal laws of the state of our primary incorporation, without giving effect to any choice or conflict of law provision.
Any legal suit, action, or proceeding arising out of, or related to, these Terms of Service or the Website shall be instituted exclusively through binding arbitration administered by the American Arbitration Association (AAA) under its Commercial Arbitration Rules.
7. Modifications to the Terms
We may revise and update these Terms of Service from time to time in our sole discretion. All changes are effective immediately when we post them and apply to all access to and use of the Website thereafter. Your continued use of the Website following the posting of revised Terms of Service means that you accept and agree to the changes.