Terms of Service

Last Updated: April 3, 2026 · Effective Date: April 3, 2026

1. Acceptance of Terms

By accessing or using the website coveragecrushed.com (the "Site") and any services provided by Coverage Crushed ("we," "us," or "our"), a brand operated by BlackShark Systems, Inc. (the "Company"), you ("you" or "User") agree to be bound by these Terms of Service (the "Terms"). If you do not agree to these Terms, do not use the Site or our services.

2. Description of Services

Coverage Crushed is a lead generation service. We are not an insurance company, agent, broker, or adjuster. We do not sell, solicit, negotiate, or bind insurance policies. Our services include:

• Collecting information from consumers seeking life insurance through our online forms, consultations, and communication channels
• Scoring and evaluating consumer profiles using proprietary algorithms and third-party data
• Sharing, transferring, and/or selling consumer information ("leads") to licensed insurance agents, carriers, brokers, lead buyers, and marketing partners
• Facilitating introductions between consumers and insurance professionals

We make no guarantees regarding the availability, pricing, approval, or suitability of any insurance product. Any insurance product you ultimately purchase will be subject to the terms and conditions of the issuing carrier.

3. Eligibility

You must be at least 18 years of age and a legal resident of the United States to use our services. By using the Site, you represent and warrant that you meet these eligibility requirements.

4. User Representations and Warranties

By submitting information through our Site, you represent and warrant that:

• All information you provide is true, accurate, current, and complete
• You are the person whose information is being submitted (or are authorized to submit on their behalf)
• You are submitting information with a genuine interest in learning about life insurance products
• You will not use our services for any fraudulent, illegal, or unauthorized purpose
• You will not submit false, misleading, or fictitious information
• You will not attempt to interfere with, compromise, or disrupt the security or functionality of our systems

5. Consent to Contact (TCPA Disclosure)

Your consent specifically authorizes contact via:

• Telephone calls (including calls made using an automatic telephone dialing system (ATDS) and/or prerecorded or artificial voice messages) to any telephone number you provide, including mobile and landline numbers
• Text messages (SMS/MMS), including messages sent using automated technology, to any mobile number you provide
• Email communications to any email address you provide

You understand and agree that:

• Your consent extends to Coverage Crushed, BlackShark Systems, Inc., its affiliates, and any third party to whom your information has been sold, shared, or transferred
• You may receive calls, texts, or emails from multiple parties as a result of your submission
• Standard message and data rates may apply to text messages
• Message frequency varies based on the parties contacting you
• Your consent is not a condition of purchasing any goods, services, or insurance products

Revoking Consent: You may revoke your consent at any time by: (a) replying STOP to any text message; (b) following unsubscribe instructions in any email; (c) requesting removal by emailing privacy@coveragecrushed.com; or (d) verbally requesting during any phone call. Revocation of consent may take up to 10 business days to process.

6. Lead Generation and Data Sharing

You acknowledge and agree that:

• Coverage Crushed is a lead generation service. The primary purpose of collecting your information is to sell, share, license, or transfer it to third parties
• Your personal information, including but not limited to name, phone number, email, address, health information, and financial information, may be sold to multiple third parties
• Once your information has been shared with a third party, that third party's use of your information is governed by their own privacy policy and terms of service
• We are not responsible for the actions, communications, or privacy practices of any third party to whom your information has been sold or shared
• Third parties who receive your information may contact you independently, and you may need to opt out with each party separately

7. No Insurance Advice

Nothing on this Site constitutes insurance advice, financial advice, legal advice, or a recommendation to purchase any particular insurance product. The information provided on our Site is for general informational purposes only. You should consult with a licensed insurance professional and/or financial advisor before making any insurance purchasing decisions.

8. Intellectual Property

All content on the Site, including text, graphics, logos, images, software, and the overall design and layout, is the property of BlackShark Systems, Inc. or its licensors and is protected by copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, modify, or create derivative works from any content on the Site without our prior written consent.

9. Disclaimer of Warranties

THE SITE AND SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, AND ANY WARRANTIES ARISING OUT OF COURSE OF DEALING OR USAGE OF TRADE.

We do not warrant that: (a) the Site will be uninterrupted, secure, or error-free; (b) the results obtained from use of the Site will be accurate or reliable; (c) any insurance product will be available, approved, or suitable for your needs; or (d) any defects in the Site will be corrected.

10. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL BLACKSHARK SYSTEMS, INC., COVERAGE CRUSHED, OR THEIR RESPECTIVE OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, AFFILIATES, SUCCESSORS, OR ASSIGNS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, PUNITIVE, OR EXEMPLARY DAMAGES, INCLUDING BUT NOT LIMITED TO DAMAGES FOR LOSS OF PROFITS, GOODWILL, DATA, OR OTHER INTANGIBLE LOSSES, ARISING OUT OF OR RELATING TO YOUR USE OF OR INABILITY TO USE THE SITE OR SERVICES, REGARDLESS OF THE THEORY OF LIABILITY.

OUR TOTAL AGGREGATE LIABILITY FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THESE TERMS OR YOUR USE OF THE SITE SHALL NOT EXCEED ONE HUNDRED DOLLARS ($100.00).

11. Indemnification

You agree to indemnify, defend, and hold harmless BlackShark Systems, Inc., Coverage Crushed, and their respective officers, directors, employees, agents, affiliates, successors, and assigns from and against any and all claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys' fees) arising out of or relating to: (a) your use of the Site or services; (b) your violation of these Terms; (c) your violation of any applicable law or regulation; (d) any information you submit through the Site that is false, inaccurate, or misleading; or (e) your infringement of any third-party rights.

12. Arbitration Agreement and Class Action Waiver

12.1 Agreement to Arbitrate

You and BlackShark Systems, Inc. agree that any dispute, claim, or controversy arising out of or relating to these Terms, the Site, or our services (collectively, "Disputes") shall be resolved exclusively through final and binding individual arbitration, rather than in court, except that either party may bring an individual action in small claims court if the claim qualifies.

12.2 Arbitration Rules

Arbitration shall be administered by the American Arbitration Association ("AAA") under its Consumer Arbitration Rules then in effect. The arbitration shall be conducted by a single neutral arbitrator. The arbitrator shall have exclusive authority to resolve all Disputes, including the arbitrability of any Dispute. The arbitrator's decision shall be final and binding.

12.3 Class Action Waiver

YOU AND BLACKSHARK SYSTEMS, INC. AGREE THAT EACH MAY BRING DISPUTES AGAINST THE OTHER ONLY IN YOUR OR ITS INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, CONSOLIDATED, OR REPRESENTATIVE ACTION. The arbitrator may not consolidate more than one person's claims and may not preside over any form of class or representative proceeding.

12.4 Opt-Out

You may opt out of this arbitration agreement by sending written notice to privacy@coveragecrushed.com within 30 days of first accepting these Terms. Your notice must include your name, address, and a clear statement that you wish to opt out of the arbitration agreement.

13. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Delaware, without regard to its conflict of laws principles. To the extent that litigation is permitted under these Terms, you consent to the exclusive jurisdiction of the state and federal courts located in Delaware.

14. Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions shall remain in full force and effect.

15. Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and BlackShark Systems, Inc. regarding your use of the Site and services, and supersede all prior agreements and understandings.

16. Modifications

We reserve the right to modify these Terms at any time. Changes will be posted on this page with an updated "Last Updated" date. Your continued use of the Site after changes are posted constitutes your acceptance of the updated Terms.

17. Contact Us

If you have questions about these Terms of Service, contact us at:

BlackShark Systems, Inc.
Email: privacy@coveragecrushed.com
Website: coveragecrushed.com