Technology platform
AdvisorCove Technology provides website, hosting, software, guided preparation, and information-organization technology. It is not an insurance carrier, insurance agency, brokerage, FMO, insurance producer, government website, fiduciary, or substitute for licensed professional review.
Independent advisor businesses
Each advisor website is independently operated by the identified advisor or agency. Advisors are independent businesses and are not employees, agents, partners, joint venturers, franchisees, spokespersons, or legal representatives of AdvisorCove Technology. Advisors have no authority to bind AdvisorCove Technology or make promises, warranties, representations, or commitments on its behalf.
Advisor responsibility
Advisors are solely responsible for their licenses, NPN, carrier appointments and certifications, advertising and website content, insurance advice, plan recommendations, consumer communications, privacy and recordkeeping practices, applications, enrollments, regulatory compliance, and verification of plan details, costs, networks, formularies, pharmacy participation, eligibility, and enrollment timing.
Credential and compliance information
AdvisorCove is a technology platform and does not provide, issue, underwrite, or independently certify insurance coverage, errors and omissions (E&O) insurance, AHIP completion, Medicare certification, carrier appointments, or readiness to sell. Credential information submitted by an advisor is subject to review and may expire, change, be incomplete, or be inaccurate. Advisors remain solely responsible for maintaining required licenses, E&O coverage, certifications, carrier appointments, and compliance obligations.
Contact-safe advisor requests
A consumer may authorize AdvisorCove to share contact information, location, scheduling preferences, consent, and one selected plan with one advisor. Health-related intake details remain in the consumer's browser session and are not included in that handoff. The advisor must gather and verify those details directly. Full request data is deleted after 7 days; only the consumer's name and phone may remain through day 30 for follow-up.
No participation in insurance transactions
AdvisorCove Technology does not provide insurance advice, recommend or sell insurance, submit applications, complete enrollments, receive authority from a carrier through an advisor, or become a party to transactions between advisors, consumers, carriers, agencies, or FMOs.
No guaranteed outcomes
AdvisorCove does not guarantee website traffic, leads, appointments, sales, applications, commissions, enrollments, revenue, savings, plan availability, eligibility, data completeness, or any business or coverage outcome.
Validation deadline and notices
Paid advisors have 7 days after the original payment to submit the required validation information. If the information is not submitted by the deadline, AdvisorCove sends notices while the membership remains active. Setup, publishing, and request matching remain pending until the information is submitted and reviewed. No automatic cancellation or refund is triggered by a missed validation deadline.
7-day membership trial and money-back guarantee
Membership includes a 7-day free trial. After the first membership payment, an advisor may contact support within 7 calendar days of the original payment date for a full refund of that initial checkout payment, including the membership and add-ons purchased in that initial checkout. The guarantee applies to monthly and annual memberships. Submitting validation does not restart, extend, or shorten the 7-day period. After day 7, cancellation remains available, but access ordinarily continues through the end of the paid billing period and the payment is not refunded. A standalone AI Phone Booking Concierge add-on purchased later is separate from this membership guarantee and, after successful service activation, is expressly excluded from it.
AI Phone Booking Concierge billing, cancellation, and refunds
AI Phone Booking Concierge is a separate recurring add-on at $49 per month with no free trial. It includes 150 minutes per monthly billing period; additional usage is billed at $0.25 per minute, and partial minutes are rounded up for each call. Avery is the AI booking concierge that handles consumer-initiated inbound calls, collects contact-safe scheduling details, checks the advisor's connected calendar availability, and may create, reschedule, or cancel appointments. AdvisorCove owns, operates, and may rotate or release the internal routing number; the advisor receives no ownership, portability, or right to retain that number. Cancellation takes effect at the end of the current paid billing period. After the service is successfully activated, payments are not prorated or refunded merely because the advisor cancels or does not use the service. If AdvisorCove never succeeds in activating the service, the add-on payment will be refunded in full. These rules do not limit refunds or remedies required by law and do not prevent correction or refund of duplicate, erroneous, unauthorized, or fraudulent charges.
Platform and data limitations
To the fullest extent permitted by law, the platform and informational data are provided as is and as available without warranties of merchantability, fitness for a particular purpose, noninfringement, uninterrupted availability, or error-free operation. Current carrier and official plan materials control when platform information differs.
Indemnification by advisor
To the fullest extent permitted by law, an advisor using AdvisorCove Technology agrees to defend, indemnify, and hold harmless AdvisorCove Technology and its owners, officers, employees, contractors, and service providers from claims, losses, liabilities, penalties, costs, and reasonable legal fees arising from the advisor's content, conduct, licensure, carrier relationships, advice, representations, privacy or security practices, consumer interactions, applications, enrollments, legal violations, or breach of these terms.
Limitation of liability
To the fullest extent permitted by law, AdvisorCove Technology will not be liable for indirect, incidental, special, consequential, exemplary, or punitive damages, lost profits, lost commissions, lost data, business interruption, advisor conduct, consumer decisions, carrier actions, or enrollment outcomes arising from use of the platform.
Acceptable use and suspension
AdvisorCove may not be used for misleading claims, unlawful solicitation, government or carrier impersonation, unsupported endorsements, unverified final recommendations, unauthorized data collection, or any activity that creates legal, compliance, privacy, security, or reputational risk. Access may be limited or suspended for violations.
Legal review
These public terms are intended to document platform boundaries but do not replace any separately executed subscription agreement, business associate agreement where applicable, carrier agreement, agency or FMO agreement, or legal obligations imposed by law. Advisors should obtain independent legal and compliance advice.
Questions
Contact support@advisorcove.com with terms questions.