Terms of Use

Welcome to Coverr.app. Please carefully review the following rules that govern your use of our Site and also read our Privacy Policy regarding the information that you provide to us. These Terms and Conditions of Use ("Terms of Use") apply to the World Wide Web site owned, operated, licensed, and controlled by COVERR, INC, including its related, affiliated, or subsidiary companies, including, but not limited to, COVERR located at www.Coverr.app, and all associated COVERR sites linked to this Web site (collectively, the "Site"). This Site is the property of COVERR. By using this Site, you agree to these Terms of Use; if you do not agree, do not use this Site.

COVERR reserves the right at its sole discretion, to change, modify, add or remove portions of these Terms of Use and our Privacy Policy, at any time. It is your responsibility to check these Terms of Use and our Privacy Policy periodically for changes. Your continued use of the Site following the posting of changes will mean that you accept and agree to the changes. As long as you comply with these Terms of Use, COVERR grants you a personal, non-exclusive, non-transferable, limited privilege to enter and use the Site.

Privacy

Please review our Privacy Policy (which also governs your visit to our Site) to understand our practices. Additionally, by using the Site, you acknowledge and agree that Internet transmissions are never completely private or secure. You understand that any message or information you send to the Site may be read or intercepted by others, notwithstanding COVERR's efforts to protect such transmissions.

Account Information From Third-Party Sites

You may direct COVERR to retrieve your information maintained online by third-party financial institutions and social media platforms such as LinkedIn® with which you have customer relationships, maintain accounts or engage in financial transactions ("Account Information"). COVERR works with one or more online financial service providers under contract to access this Account Information. COVERR does not store any user account credentials for your information. The online financial service providers store your login credentials securely in a separate database using multi-layered hardware and software encryption.

COVERR uses the information you provide access to from third-party sites – including account balances, transaction history, and length of membership – in order to determine your eligibility for business finance and in responding to your questions. COVERR is not responsible for the accuracy of the information maintained by or on third-party sites, nor for products or services offered by or on such sites.

Anonymous, aggregate information, comprising financial account balances, other financial account data, or other available data that is provided to you, may be used by our third-party vendors to conduct certain analytical research, performance tracking and benchmarking. Our third-party vendors may publish summary or aggregate results relating to metrics comprised of research data, from time to time, and distribute or license such anonymous, aggregated research data for any purpose, including but not limited to, helping to improve products and services and assisting in troubleshooting and technical support. Your personally identifiable information will not be shared with or sold to third parties.

Rights You Grant To Us

By submitting information to COVERR through the Site, you are licensing that content to COVERR solely for the purpose of evaluating your cash advance application and providing related services to you. COVERR may use and store the content to evaluate your business finance application and to provide ongoing services to you. By submitting this content to COVERR, you represent that you are entitled to submit it to COVERR for use for this purpose, without any obligation by COVERR to pay any fees or other limitations.

When you connect your account to a third party, such as Plaid, you will be directly connected to the website for the third party you have identified. COVERR will submit information including usernames and passwords that you provide to sign you into the third-party site. You hereby authorize and permit COVERR to use information submitted by you to the Site (such as account passwords and user names) to accomplish the foregoing and to configure the Site so that it is compatible with the third-party sites for which you submit your information. For purposes of this Agreement and solely to provide you with services in connection with your application for a cash advance, you grant COVERR a limited power of attorney, and appoint COVERR as your attorney-in-fact and agent, to access third party sites, retrieve and use your information with the full power and authority to do and perform each thing necessary in connection with such activities, as you could do in person. YOU ACKNOWLEDGE AND AGREE THAT WHEN COVERR IS ACCESSING AND RETRIEVING ACCOUNT INFORMATION FROM THIRD PARTY SITES, COVERR IS ACTING AS YOUR AGENT, AND NOT AS THE AGENT OF OR ON BEHALF OF THE THIRD PARTY. You understand and agree that the Site is not sponsored or endorsed by any third parties accessible through the Site.

Intellectual Property

This Site, the content, any materials downloaded, and all intellectual property pertaining to or contained on the Site (including but not limited to copyrights, patents, database rights, graphics, designs, text, logos, trade dress, trademarks and service marks) are owned by COVERR or third parties and all right, title and interest therein shall remain the property of COVERR and/or such third parties (collectively, the "Content"). All Content is protected by trade dress, copyright, patent and trademark laws, and various other intellectual property rights and unfair competition laws.

You are authorized solely to view and retain a copy of the pages of the Site for your own personal, non-commercial use. You may also view and make copies of relevant documents, pages, images or other materials on this Site for the purpose of transacting business with COVERR. You agree that you will not duplicate, publish, modify, create derivative works from, participate in the transfer of, post on the World Wide Web, or in any way distribute or exploit the Site, or any portion of the Site for any public or commercial use without the express written consent of COVERR. Additionally, you agree that you will not (i) remove or alter any author, trademark or other proprietary notice or legend displayed on the Site (or printed pages produced from the Site); and (ii) make any other modifications to any documents obtained from the Site other than in connection with completing information required to transact business with COVERR.

Electronic communication

When you visit Coverr.app or send emails to us, you are communicating with us electronically and you consent to receive communications from us electronically to the extent permissible by law. We will communicate with you by email or by posting notices on this Site. You agree that all agreements, notices, disclosures and other communications that we provide to you electronically satisfy any legal requirement that such communications be in writing to the extent permissible by law. You agree that we may send emails to you for the purpose of advising you of changes or additions to this Site, about any of our products or services, or for such other purposes as we deem appropriate and as permissible by law.

Site Security

As a condition of your use of this Site, you agree that you will not, and you will not take any action intended to: (i) access data that is not intended for you; (ii) invade the privacy of, obtain the identity of, or obtain any personal information about any COVERR client or user of this Site; (iii) probe, scan or test the vulnerability of this Site or the COVERR network or breach security or authentication measures without proper authorization; (iv) attempt to interfere with service to any user, host or network or otherwise attempt to disrupt our business, including, without limitation, via means of submitting a virus to this Site, overloading, "flooding," "spamming," "mail bombing" or "crashing;" or (v) send unsolicited mail, including promotions and/or advertising of products and services. Violations of system or network security may result in civil or criminal liability.

Links To Other Websites And Services

This Site may contain links to outside services and resources, the availability and content of which COVERR does not control. We are not responsible for examining or evaluating, and we do not warrant the offering of these businesses or individuals or the content of their web sites. COVERR does not assume any responsibility or liability for the actions, products, and content of these and any other third parties. Any concerns regarding any such service or resource, or any link thereto, should be directed to the particular outside service or resource.

Collection Of Information

If COVERR or its financial partners extend business finance to you, it may consider the bank account you provided during the application process as eligible to process payments against if you permit COVERR to do so. As part of COVERR's information collection process, we may detect additional bank or financial accounts under your ownership. COVERR may consider these additional accounts to be part of the application process and may use information from or about such accounts in deciding whether to approve your cash advance application.

Disclaimers

COVERR DOES NOT PROMISE THAT THE SITE OR ANY CONTENT, DOCUMENT OR FEATURE OF THE SITE WILL BE ERROR-FREE OR UNINTERRUPTED, OR THAT ANY DEFECTS WILL BE CORRECTED OR THAT YOUR USE OF THE SITE WILL PROVIDE SPECIFIC RESULTS. THE MATERIAL IN THIS SITE COULD INCLUDE TECHNICAL INACCURACIES OR TYPOGRAPHICAL ERRORS. THE SITE AND ITS CONTENT ARE DELIVERED ON AN "AS-IS" AND "AS-AVAILABLE" BASIS. ALL INFORMATION PROVIDED ON THE SITE IS SUBJECT TO CHANGE WITHOUT NOTICE. COVERR CANNOT ENSURE THAT ANY FILES, DOCUMENTS OR OTHER DATA YOU DOWNLOAD FROM THE SITE WILL BE FREE OF VIRUSES OR CONTAMINATION OR DESTRUCTIVE FEATURES. COVERR DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING ANY WARRANTIES OF ACCURACY, NON-INFRINGEMENT, MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. COVERR DISCLAIMS ANY AND ALL LIABILITY FOR THE ACTS, OMISSIONS AND CONDUCT OF ANY THIRD PARTIES IN CONNECTION WITH OR RELATED TO YOUR USE OF THE SITE. YOU ASSUME TOTAL RESPONSIBILITY FOR YOUR USE OF THE SITE AND ANY LINKED SITES. YOUR SOLE REMEDY AGAINST COVERR FOR DISSATISFACTION WITH THE SITE OR ANY CONTENT IS TO STOP USING THE SITE OR ANY SUCH CONTENT. THIS LIMITATION OF RELIEF IS A PART OF THE BARGAIN BETWEEN THE PARTIES.

Cookies

"Cookies" are small data files transferred by a website to your computer's hard drive. COVERR or its service providers send cookies when you surf our Site or sites where COVERR ads appear, make purchases, request or personalize information, or register yourself for certain services. Accepting the cookies used on our Site, sites that are "powered by" another company on COVERR' behalf, or sites where our ads appear may give us access to information about your browsing preferences, which we may use to personalize and enhance your experience. Cookies are typically classified as either "session" cookies or "persistent" cookies.

Session cookies do not stay on your computer after you close your browser.

Persistent cookies remain on your computer until you delete them or they expire.

Generally speaking, web browsers automatically accept cookies by default. That being said, you can typically prevent cookies or selectively accept cookies by adjusting the preferences in your browser. If cookies are not accepted, most features of our site will not be available to you.

COVERR does not store passwords or any other information about a visitor without an COVERR account in a cookie that would identify them, locate them, and determine their preferences or their financial activity. Aggregated client information may help COVERR assess the performance of its website and develop strategies to maximize utility.

How Long Does COVERR Keep Personal Information?

COVERR will maintain the information that is necessary to enable COVERR to provide the requested service and only for as long as it takes COVERR to provide any such requested service.

COVERR may still need to keep personal details of clients to ensure that systems reflect your preferences even if a client has chosen to opt out of allowing COVERR to use that client's personal details for marketing purposes.

COVERR may keep records of any transactions a client enters into on the COVERR Website for a minimum of six years from the end of COVERR's relationship with the client.

COVERR may keep other information about a client only to the extent necessary to comply with applicable laws and to further legitimate business needs.

Contact Us

• Office Address: 31-00 47th Avenue, Suite 3100 | Long Island City, New York, 11101 | United States of America
• Email: hello@getcoverr.com