Important information for your use of our website.
Acceptance of the Terms and Conditions.
These Terms and Conditions (“Terms”) are entered into by and between you (“you” or “your”) and CoverPoint Insurance Solutions, its subsidiaries, and affiliates (“CoverPoint Insurance,” “we,” “our,” or “us”). The following terms and conditions govern your access to and use of any mobile or online website or application that we own, including but not limited to, our public website (www.coverpointinsurance.com) and our online and mobile apps (each a “Site” and collectively, the “Sites”).
Please read the Terms carefully before you start to use a Site. By using a Site or by clicking to accept or agree to the Terms when this option is made available to you, you accept and agree to be bound and abide by these Terms and our Privacy Policy, found at https://coverpointinsurance.com/privacy-policy/, incorporated herein by reference. If you do not want to agree to these Terms or the Privacy Policy, you must not access or use the Sites.
The Sites are not intended for use by persons under 13 years of age or those that do not reside in the United States or any of its territories or possessions. By using a Site, you represent and warrant that you meet all of the foregoing eligibility requirements. If you do not meet all of these requirements, you must not access or use the Sites.
Changes to the Terms
We may revise and update these Terms 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 Sites thereafter. However, any changes to the dispute resolution provisions set out in Governing Law and Jurisdiction will not apply to any disputes for which the parties have actual notice on or before the date the change is posted on the Sites.
Your continued use of the Site following the posting of revised Terms means that you accept and agree to the changes. You are expected to check this page each time you access a Site so you are aware of any changes, as they are binding on you.
SMS consent communication.
The information (Phone Numbers) obtained as part of the SMS consent process will not be shared with third parties for marketing purposes.
Types of SMS communications.
If you have consented to receive text messages from CoverPoint Insurance, you may receive messages related to the following:
- Appointment reminders
- Follow-up messages
- Billing inquiries
- Promotions or offers
Example: “Hello, this is a friendly reminder of your upcoming appointment with CoverPoint Insurance on [Date] at [Time]. You can reply STOP to opt out of SMS messaging from CoverPoint Insurance at any time.”
Message frequency.
Message frequency may vary depending on the type of communication. For example, you may receive up to 2 automated SMS messages per week related to your appointments/billing, etc.
Example: “Message frequency may vary. You may receive up to 2 SMS messages per week regarding your appointments or account status.”
Potential fees for SMS messaging.
Please note that standard message and data rates may apply, depending on your carrier’s pricing plan. These fees may vary if the message is sent domestically or internationally.
Opt-In method.
You may opt in to receive SMS messages from CoverPoint Insurance in the following ways:
- By marking the box designated for SMS registration/text messaging to consent to receive messages located on the CoverPoint Insurance contact information page.
Opt-Out method.
You can opt out of receiving SMS messages at any time. To do so, simply reply “STOP” to any SMS message you receive. Alternatively, you can contact us directly to request removal from our messaging list.
Help.
If you are experiencing any issues with SMS messages, you can reply with the keyword HELP. Or, you can get help directly from us by calling (937) 345-1001, emailing or visiting our website at https://coverpointinsurance.com/.
Additional options.
If you do not wish to receive SMS messages, you can choose not to check the SMS consent box on our forms.
Standard messaging disclosures.
- Message and data rates may apply.
- You can opt out at any time by texting “STOP.”
- For assistance, text “HELP” or visit our Privacy Policy and Terms and Conditions pages.
- Message frequency may vary
Accessing a Site.
We reserve the right to withdraw or amend the Sites, and any service or material we provide on the Sites, in our sole discretion without notice. We will not be liable if for any reason all or any part of a Site is unavailable at any time or for any period. From time to time, we may restrict user access, including registered user access, to some parts of a Site or the entire Site.
You are responsible for both:
- Making all arrangements necessary for you to have access to the Sites.
- Ensuring that all persons who access the Sites through your internet connection are aware of these Terms and comply with them.
Intellectual Property Rights.
The Sites and their entire contents, features, and functionality (including but not limited to all information, software, text, displays, images, video, and audio, and the design, selection, and arrangement thereof) are owned by CoverPoint Insurance, its licensors, or other providers of such material and are protected by United States and international copyright, trademark, patent, trade secret, and other intellectual property or proprietary rights laws.
You must not reproduce, distribute, modify, create derivative works of, publicly display, perform, republish, download, store, or transmit any of the material on our Sites, except as follows:
You are responsible for both:
- Your computer may temporarily store copies of such materials in RAM incidental to your accessing and viewing those materials.
- You may store files that are automatically cached by your Web browser for display enhancement purposes.
- You may print or download one copy of a reasonable number of pages of a Site for your own personal, non-commercial use and not for further reproduction, publication, or distribution.
- If we provide desktop, mobile, or other applications for download, you may download a single copy to your computer or mobile device solely for your own personal, non-commercial use provided you agree to be bound by our end user license agreement for such applications.
You must not:
- Modify copies of any materials from this site.
- Delete or alter any copyright, trademark, or other proprietary rights notices from copies of materials from this site.
If you print, copy, modify, download, or otherwise use or provide any other person with access to any part of a Site in breach of the Terms, your right to use the Site will stop immediately and you must, at our option, return or destroy any copies of the materials you have made. No right, title, or interest in or to the Sites or any content on the Sites is transferred to you, and all rights not expressly granted are reserved by CoverPoint Insurance. Any use of a Site not expressly permitted by these Terms is a breach of these Terms and may violate copyright, trademark, and other laws.
Trademarks.
The CoverPoint Insurance name and all related names, logos, product and service names, designs, and slogans are trademarks of Wright-Patt Credit Union, Inc. or its affiliates or licensors. You must not use such marks without the prior written permission of Wright-Patt Credit Union, Inc. All other names, logos, product and service names, designs, and slogans on the Sites are the trademarks of their respective owners.
Prohibited Uses.
You may use the Sites only for lawful purposes and in accordance with these Terms. You agree not to use the Sites:
- In any way that violates any applicable federal, state, local, or international law or regulation (including, without limitation, any laws regarding the export of data or software to and from the US or other countries).
- To impersonate or attempt to impersonate CoverPoint Insurance, a CoverPoint Insurance employee, another user, or any other person or entity (including, without limitation, by using email addresses associated with any of the foregoing).
- To engage in any other conduct that restricts or inhibits anyone’s use or enjoyment of the Sites, or which, as determined by us, may harm CoverPoint Insurance or users of the Sites, or expose them to liability.
- In any manner that could disable, overburden, damage, or impair the site or interfere with any other party’s use of a Site, including their ability to engage in real-time activities through the Site.
Additionally, you agree not to:
- Use any robot, spider, or other automatic device, process, or means to access a Site for any purpose, including monitoring or copying any of the material on the Site.
- Use any manual process to monitor or copy any of the material on a Site, or for any other purpose not expressly authorized in these Terms, without CoverPoint Insurance’s prior written consent.
- Use any device, software, or routine that interferes with the proper functionality of a Site.
- Introduce any viruses, trojan horses, worms, logic bombs, or other material that is malicious or technologically harmful.
- Attempt to gain unauthorized access to, interfere with, damage, or disrupt any parts of a Site, the server on which a Site is stored, or any server, computer, or database connected to a Site.
- Attack a Site via a denial-of-service attack or a distributed denial-of-service attack.
- Otherwise attempt to interfere with the proper functionality of a Site.
Reliance on Information.
The information presented on or through the Sites is made available solely for general information purposes. We do not warrant the accuracy, completeness, or usefulness of this information. Any reliance you place on such information is strictly at your own risk. We disclaim all liability and responsibility arising from any reliance placed on such materials by you or any other visitor to the Sites, or by anyone who may be informed of any of its contents.
Changes to the Sites.
We may update the content on a Site from time to time, but its content is not necessarily complete or up-to-date. Any of the material on a Site may be out of date at any given time, and we are under no obligation to update such material.
Links from the Site.
If a Site contains links to other websites and resources provided by third parties, these links are provided for your convenience only. This includes links contained in advertisements, including banner advertisements and sponsored links. We have no control over the contents of those sites or resources and accept no responsibility for them or for any loss or damage that may arise from your use of them. If you decide to access any of the third-party websites linked to a Site, you do so entirely at your own risk and subject to the terms and conditions of use for such websites.
Geographic Restrictions.
CoverPoint Insurance is based in the State of Ohio in the United States. We provide the Sites for use only by persons located in the United States. We make no claims that the Sites or any of their content is accessible or appropriate outside of the United States. Access to any Site may not be legal by certain persons or in certain countries. If you access a Site from outside the United States, you do so on your own initiative and are responsible for compliance with local laws.
Disclaimer of Warranties.
You understand that we cannot and do not guarantee or warrant that files available for downloading from the internet or the Sites will be free of viruses or other destructive code. You are responsible for implementing sufficient procedures and checkpoints to satisfy your particular requirements for anti-virus protection and accuracy of data input and output, and for maintaining a means external to our site for any reconstruction of any lost data. TO THE FULLEST EXTENT PROVIDED BY LAW, WE WILL NOT BE LIABLE FOR ANY LOSS OR DAMAGE CAUSED BY A DISTRIBUTED DENIAL-OF-SERVICE ATTACK, VIRUSES, OR OTHER TECHNOLOGICALLY HARMFUL MATERIAL THAT MAY INFECT YOUR COMPUTER EQUIPMENT, COMPUTER PROGRAMS, DATA, OR OTHER PROPRIETARY MATERIAL DUE TO YOUR USE OF THE SITES OR ANY SERVICES OR ITEMS OBTAINED THROUGH SITES OR YOUR DOWNLOADING OF ANY MATERIAL POSTED ON IT, OR ON ANY WEBSITE LINKED TO IT.
YOUR USE OF THE SITES, THEIR CONTENT, AND ANY SERVICES OR PRODUCTS OBTAINED THROUGH THE SITES IS AT YOUR OWN RISK. THE SITES, THEIR CONTENT, AND ANY SERVICES OR PRODUCTS OBTAINED THROUGH THE SITES ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS, WITHOUT ANY WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. NEITHER COVERPOINT INSURANCE NOR ANY PERSON ASSOCIATED WITH COVERPOINT INSURANCE MAKES ANY WARRANTY OR REPRESENTATION WITH RESPECT TO THE COMPLETENESS, SECURITY, RELIABILITY, QUALITY, ACCURACY, OR AVAILABILITY OF THE SITES. WITHOUT LIMITING THE FOREGOING, NEITHER COVERPOINT INSURANCE NOR ANYONE ASSOCIATED WITH COVERPOINT INSURANCE REPRESENTS OR WARRANTS THAT THE SITES, THEIR CONTENT, OR ANY SERVICES OR PRODUCTS OBTAINED THROUGH THE SITES WILL BE ACCURATE, RELIABLE, ERROR-FREE, OR UNINTERRUPTED, THAT DEFECTS WILL BE CORRECTED, THAT OUR SITES OR THE SERVERS THAT MAKE THEM AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS, OR THAT THE SITES OR ANY SERVICES OR PRODUCTS OBTAINED THROUGH THE SITES WILL OTHERWISE MEET YOUR NEEDS OR EXPECTATIONS.
TO THE FULLEST EXTENT PROVIDED BY LAW, COVERPOINT INSURANCE HEREBY DISCLAIMS ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, STATUTORY, OR OTHERWISE, INCLUDING BUT NOT LIMITED TO ANY WARRANTIES OF MERCHANTABILITY, NON-INFRINGEMENT, AND FITNESS FOR PARTICULAR PURPOSE.
THE FOREGOING DOES NOT AFFECT ANY WARRANTIES THAT CANNOT BE EXCLUDED OR LIMITED UNDER APPLICABLE LAW.
Limitation on Liability.
TO THE FULLEST EXTENT PROVIDED BY LAW, IN NO EVENT WILL COVERPOINT INSURANCE, ITS PARENTS OR 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 OF, OR INABILITY TO USE, THE SITES, ANY WEBSITES LINKED TO THEM, ANY CONTENT ON THE SITES OR SUCH OTHER WEBSITES, INCLUDING ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO, PERSONAL INJURY, PAIN AND SUFFERING, EMOTIONAL DISTRESS, LOSS OF REVENUE, LOSS OF PROFITS, LOSS OF BUSINESS OR ANTICIPATED SAVINGS, LOSS OF USE, LOSS OF GOODWILL, LOSS OF DATA, AND WHETHER CAUSED BY TORT (INCLUDING NEGLIGENCE), BREACH OF CONTRACT, OR OTHERWISE, EVEN IF FORESEEABLE. THE FOREGOING DOES NOT AFFECT ANY LIABILITY THAT CANNOT BE EXCLUDED OR LIMITED UNDER APPLICABLE LAW.
Indemnification.
You agree to defend, indemnify, and hold harmless CoverPoint Insurance, its affiliates, licensors, and service providers, and its and their respective officers, directors, employees, contractors, agents, licensors, suppliers, successors, and assigns from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys’ fees) arising out of or relating to your violation of these Terms or your use of a Site, including, but not limited to, any use of the Site’s content, services, and products other than as expressly authorized in these Terms, or your use of any information obtained from the Site.
Governing Law and Jurisdiction.
All matters relating to the Sites and these Terms, and any dispute or claim arising therefrom or related thereto (in each case, including non-contractual disputes or claims), shall be governed by and construed in accordance with the internal laws of the State of Ohio without giving effect to any choice or conflict of law provision or rule (whether of the State of Ohio or any other jurisdiction).
Any legal suit, action, or proceeding arising out of, or related to, these Terms or the Sites shall be instituted exclusively in the Common Pleas Court of Greene County, Ohio. You waive any and all objections to the exercise of jurisdiction over you by such courts and to venue in such courts.
