Terms of services

Effective Date: September 06, 2025

Welcome to MotorCov. These Terms of Service (“Terms”) govern your access to and use of our website, communications, and all related services, including email updates and SMS Update. By using this website, you agree to comply with and be bound by these Terms. If you do not agree with any part of these Terms, please discontinue your use of MotorCov.

These Terms form a legally binding agreement between you ("User," "you," or "your") and MotorCov ("Company," "we," "our," or "us").

1. Eligibility

To access or use MotorCov, you must be at least 18 years of age and legally able to enter into binding contracts. By using our site, you represent and warrant that you meet these eligibility requirements.

2. Services Provided

MotorCov provides informational resources on auto insurance, expert tips, promotional Update, and membership opportunities. We do not underwrite, issue, or sell insurance policies. Where appropriate, we may connect users with licensed third-party providers. Any such relationships are governed by the third party’s terms and policies.

3. User Responsibilities

By using MotorCov, you agree to:

• Provide accurate, truthful, and complete information when submitting forms
• Not use our site or services for illegal, fraudulent, or harmful purposes
• Not impersonate any person, company, or entity
• Use our services solely for personal, non-commercial purposes unless otherwise permitted in writing
• Comply with all applicable federal, state, and local laws and regulations

4. Account Creation and Security

If you create an account with MotorCov, you are responsible for maintaining the confidentiality of your login information and for all activities under your account. You agree to notify us immediately if you suspect unauthorized use or access. MotorCov is not responsible for losses caused by unauthorized account activity if you fail to safeguard your credentials.

5. Mobile Communications and SMS Update

By opting in to receive SMS or mobile communications from MotorCov, you agree to the following terms:

• Message Frequency: Up to five (5) messages per month
• Message and Data Rates: Standard carrier charges may apply
• Support: Reply HELP for assistance or email us at info@motorcov.com
• Opt-Out: You may unsubscribe at any time by replying STOP, QUIT, END, CANCEL, or UNSUBSCRIBE
• Privacy: No mobile information will be shared with or sold to third parties for marketing or promotional purposes. Your consent applies solely to MotorCov communications

Consent to receive messages from MotorCov is not a condition of purchasing any product or service.

6. Intellectual Property

All content on MotorCov including articles, graphics, images, videos, logos, design, and software is the property of MotorCov or its licensors and is protected under copyright, trademark, and intellectual property laws. You may not reproduce, distribute, modify, or publicly display our content without written authorization.

7. Disclaimer of Warranties

The services and information provided on MotorCov are offered “as is” and “as available” without warranties of any kind. We disclaim all express and implied warranties, including but not limited to:

• Accuracy, completeness, or reliability of information
• Availability, performance, or security of the website
• Fitness for a particular purpose or non-infringement

We do not warrant that the website will be error-free, secure, or continuously available.

8. Limitation of Liability

To the fullest extent allowed by law, MotorCov shall not be liable for any direct, indirect, incidental, consequential, or punitive damages resulting from your use of or inability to use the site or services. This includes, without limitation, damages for lost profits, lost data, or service interruptions.

9. Indemnification

You agree to indemnify, defend, and hold harmless MotorCov, its affiliates, employees, officers, and agents from any claims, damages, losses, liabilities, and expenses (including attorney fees) arising from:

• Your use or misuse of the website
• Your violation of these Terms
• Your infringement of any third-party rights

10. Modifications to the Terms

MotorCov reserves the right to modify or update these Terms at any time. Updates will be posted on this page with the revised effective date. Your continued use of the website after changes are posted constitutes acceptance of the updated Terms.

11. Termination

We may suspend or terminate your access to MotorCov without prior notice if you violate these Terms, engage in fraudulent activity, or if termination is required by law. Upon termination, your right to access the site and services immediately ends.

12. Governing Law and Dispute Resolution

These Terms are governed by the laws of the State of New York, without regard to conflict of law principles. Any disputes arising from or related to these Terms shall be resolved exclusively in the state or federal courts located in New York. By using MotorCov, you consent to the jurisdiction and venue of these courts.

13. Contact Information

If you have questions, concerns, or requests about these Terms, please contact us:

MotorCov
5313 Hwy 5 Suite 305 PMB 1057 Bryant, AR 72022 United States
Email: info@motorcov.com