Terms and Conditions

These Terms & Conditions (“Terms”) govern access to, and use of the website, research portals, surveys, studies, reports, and any/all related services (collectively, the “Services”) provided by CoverScout Research, LLC (“CoverScout,” “we,” “us,” or “our”). By accessing or using the Services, registering as a participant, or engaging CoverScout for research services, you (“you” or “User”) agree to be bound by these Terms. If you do not agree, do not access or use the Services.

Description of Services

CoverScout conducts independent market and policy research services on insurance products, carriers, and consumer trends. Our Services may include, without limitation: (a) paid research studies, surveys, and interviews open to qualifying participants (“Participants”); (b) research reports, benchmarking data, and analysis provided to insurers, brokers, and other business clients (“Clients”); and (c) a panel membership portal through which participants may be invited to studies. CoverScout is an independent professional business-related research organization. CoverScout is not an insurance company, agent, broker, or carrier, does not sell or bind insurance policies, and does not provide insurance, legal, or financial advice. Nothing in the services constitutes a recommendation to purchase, cancel, or modify any insurance policy.

Eligibility & Registration

You must be at least 18 years old and legally capable of entering a binding contract to use the services. Participants may be required to complete a screening questionnaire; CoverScout reserves the right to accept, reject, or remove any participant from a study at its sole discretion, including for suspected fraud, duplicate accounts, or inconsistent responses. You agree to provide accurate, current, and complete information during registration and to update it as needed. You are responsible for maintaining the confidentiality of your login credentials and/or for all activity under your account.

Client Research Services

Where CoverScout is engaged directly by a client to perform custom research, the scope of work, deliverables, fees, and timeline will be set out in a separate statement of work or services agreement (“SOW”). In the event of a conflict between an executed SOW and these terms, the SOW controls with respect to that engagement. Client deliverables (reports, datasets, presentations) are licensed to the client for internal business use only and may not be resold, redistributed, or represented as independent third-party endorsement without CoverScout prior written consent.

Data Privacy & Confidentiality

CoverScout collects personal information and survey responses in accordance with our privacy policy, which is incorporated into these terms by reference. Individual responses are aggregated and anonymized for reporting purposes; CoverScout does not sell personally identifiable participant data to clients without consent. Any personal, financial, or health-related information you disclose during a study is treated as confidential and used solely for the stated research purpose, applicable legal retention requirements, and internal quality control. You agree not to share confidential study materials, unreleased research questions, or client-identifying information with third parties.

Intellectual Property

All research instruments, methodologies, reports, analyses, software, trademarks, and content made available through the services are the property of CoverScout or its licensors and are protected by applicable intellectual property laws. Except as expressly permitted in a SOW, you may not copy, modify, distribute, or create derivative works from any CoverScout content. Aggregated, de-identified survey data and resulting insights are and remain the property of CoverScout.

No Insurance or Financial Advice

Research reports, survey findings, and commentary provided through the services are for informational and business-planning purposes only. They do not constitute insurance, legal, tax, or financial advice, and should not be relied upon as the sole basis for any insurance-related decision. You should consult a licensed insurance professional, attorney, or financial advisor before acting on any information obtained through the services.

Third-Party Content, Links & Panels

Our Services may incorporate references or links to third-party panel providers, survey platforms, or other websites that CoverScout does not own or operate. CoverScout bears no responsibility for the accuracy, content, or business practices of these third parties, and the presence of a link should not be read as an endorsement. Any interaction you have with a third-party service is governed by that party’s own terms of use and privacy practices, not CoverScout’s.

You further acknowledge that CoverScout draws certain information/data from outside providers — we cannot guarantee that all third-party information/data is 100% accurate. CoverScout therefore accepts no liability for such inaccuracies and makes no representation as to the dependability or fitness of any third-party information provided through the services.

Prohibited Conduct

You agree not to:

• Provide false or misleading information in any study;
• Create multiple accounts;
• Reconstruct confidential research instruments;
• Interfere with the security or normal operation of the services; or
• Use the services for any unlawful purpose.

CoverScout may suspend or terminate access/services for any violation of this section.

Disclaimer

THE RESEARCH SERVICES ARE PROVIDED “AS IS”, “AS AVAILABLE” AND “NO GUARANTEE” WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT. COVERSCOUT DOES NOT WARRANT THAT THE SERVICES WILL BE UNINTERRUPTED, ERROR-FREE, OR THAT RESEARCH FINDINGS WILL BE ACCURATE, COMPLETE, OR SUITABLE FOR ANY PARTICULAR PURPOSE. VERIFY ALL DATA THROUGH SUPPLEMENTARY RESOURCES. DO NOT BASE INTENT DECISIONS SOLELY ON THE INFORMATION PROVIDED HEREIN.

Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, COVERSCOUT AND ITS OFFICERS, EMPLOYEES, AND AFFILIATES SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS OR REVENUE, ARISING FROM YOUR USE OF THE SERVICES. COVERSCOUT’S TOTAL AGGREGATE LIABILITY ARISING FROM OR RELATED TO THESE TERMS SHALL NOT EXCEED THE GREATER OF (A) THE AMOUNT YOU PAID TO COVERSCOUT IN THE TWELVE MONTHS PRECEDING THE CLAIM, OR (B) ONE HUNDRED U.S. DOLLARS ($100).

Indemnification

You agree to indemnify, defend, and hold harmless CoverScout and its officers, employees, and affiliates from any claims, damages, liabilities, and expenses (including reasonable attorneys’ fees) arising from your breach of these terms, misuse of the services, or violation of any law or third-party right.

Termination

CoverScout may suspend or terminate your access to the Services at any time, with or without notice, for conduct that violates these terms or is otherwise harmful to CoverScout, other users, or third parties. You may terminate your account at any time by contacting us. Sections relating to intellectual property, confidentiality, disclaimers, limitation of liability, and indemnification survive termination.

Governing Law & Dispute Resolution

These terms, agreement and any disputes or claims to the services provided by CoverScout are governed by and interpreted under the laws of the State of Texas, without regard to conflict-of-laws principles. Any dispute arising out of or relating to these terms and/or the services shall first be addressed through good-faith informal negotiation. If unresolved within 30 days, the dispute shall be settled by binding arbitration administered under the rules of the American Arbitration Association, conducted in Harris County, Texas, with judgment on the award enforceable in any court of competent jurisdiction. You consent to the personal jurisdiction of these courts and waive any objections regarding improper location or the inconvenience of the forum. If any legal action is brought in violation of this section, it may be dismissed by the court. Furthermore, the prevailing party in any dispute enforcing these terms shall be entitled to recover their reasonable attorney fees and legal costs. You and CoverScout each waive the right to a jury trial and to participate in a class action.

Any disputes regarding our research services, discovered results and/or fees must be submitted in writing within 30 days of the invoice date. Disputes received after the 30-day window will not be considered. If pursuing a dispute, you must include verifiable evidence that supports your claim of an error. CoverScout reserves the right to issue a revised or amended discovery report at its sole discretion.

Changes to These Terms

CoverScout has the right to modify these terms whenever necessary, and any new updates and/or changes immediately override and replace any/all previous versions. Changes will be posted on this page with an updated effective month and year. By submitting and requesting our service, it constitutes your full acceptance of the terms and conditions with CoverScout.

Miscellaneous

If any provision of these terms is found unenforceable, the remaining provisions remain in full force. These terms, together with our privacy policy and any applicable SOW, constitute the entire agreement between you and CoverScout regarding the services. CoverScout’s failure to enforce any provision shall not constitute a waiver of that provision.

Terms Acknowledgment

BY INITIATING AND USING OUR SERVICES, YOU HAVE ACCEPTED AND CONFIRMED THAT YOU HAVE READ, UNDERSTOOD, AND AGREED TO ALL THE TERMS AND CONDITIONS AND FULLY REVIEWED AND READ ALL LISTED POLICIES, SERVICES, FAQS, PRICING, PAYMENTS AND TERMS.

Contact Us

Questions about these Terms and Conditions may be directed in writing to:
CoverScout Research, LLC
PO Box 8241
Pasadena, TX 77508