Klever Coverage Inc. Website: www.klevercoverage.com Effective Date: June 19, 2026 Last Updated: June 19, 2026
1. Acceptance of These Terms
These Terms of Use ("Terms") govern your access to and use of www.klevercoverage.com (the "Site") and the services provided by Klever Coverage Inc. ("Klever Coverage," "we," "us," or "our"), including requesting quotes, communicating with us, and our text messaging program (collectively, the "Services"). By accessing or using the Services, you agree to be bound by these Terms and by our Privacy Policy, which is incorporated by reference. If you do not agree, do not use the Services.
2. Eligibility
You must be at least 18 years old and able to form a legally binding contract to use the Services. By using the Services, you represent that you meet these requirements.
3. About Our Services
Klever Coverage is an independent insurance agency licensed in the State of Texas. We help individuals and businesses obtain quotes for and purchase insurance products from third-party insurance carriers across personal lines, commercial lines (including trucking and transportation), and related products.
Important – we are an agency, not an insurer. Klever Coverage does not underwrite insurance, issue policies, or pay claims. Coverage is provided solely by the issuing insurance carrier and is subject to that carrier's terms, conditions, exclusions, and approval.
4. Quotes Are Estimates; No Coverage Until Bound
Any quote, premium, or coverage information provided through the Site or by our representatives is an estimate for informational purposes only and is not a binder, contract, or guarantee of coverage. Quotes are subject to underwriting review, verification of the information you provide, and carrier approval, and may change.
No coverage is in effect unless and until a policy is issued by an insurance carrier and you have paid any required premium. Do not assume you are covered based on a quote, application, or conversation. If you have questions about whether coverage is in force, contact us directly.
5. Your Responsibilities
You agree to provide accurate, current, and complete information when requesting quotes or services, and to update us if your information changes. Insurance decisions, premiums, and the validity of coverage depend on the accuracy of the information you provide. Providing false or incomplete information may result in denial of coverage or claims.
You agree not to use the Services for any unlawful purpose, to interfere with the Site's operation or security, to attempt unauthorized access, or to submit information you are not authorized to provide.
6. SMS / Text Messaging Terms
By opting in to our text messaging program, you agree to the following terms. These terms also appear in our Privacy Policy.
- Program. Klever Coverage sends text messages (from (817) 819-8196) related to our insurance services, including quote follow-ups, appointment scheduling and reminders, policy and account notifications, document requests, payment and renewal reminders, claims-related updates, and customer support.
- Consent. You will only receive text messages if you have opted in, either (a) through an online form on www.klevercoverage.com that includes a clearly labeled consent disclosure, or (b) by verbally providing your mobile number and agreeing to receive texts during a call or in person. Consent is optional and is not a condition of purchasing any product or service.
- Message frequency. Message frequency varies based on your interactions with us. You may receive recurring messages.
- Rates. Message and data rates may apply. We are not responsible for charges from your wireless carrier.
- Opt-out. Reply STOP at any time to cancel. You will receive one confirmation message and no further messages unless you opt in again.
- Help. Reply HELP for assistance, or contact us at hello@klevercoverage.com or (817) 719-1416.
- Carriers. Wireless carriers are not liable for delayed or undelivered messages, and delivery is not guaranteed.
- Data. No mobile information or text-messaging opt-in data and consent will be shared with any third parties or affiliates for marketing or promotional purposes at any time. This information is excluded from all other data-sharing described in our Privacy Policy.
- Compliance. Our program operates in accordance with the TCPA, CTIA Messaging Principles and Best Practices, and applicable carrier (A2P 10DLC) requirements.
7. Intellectual Property
The Site and its content, including text, graphics, logos, and the Klever Coverage name and branding, are owned by or licensed to Klever Coverage and are protected by intellectual property laws. You may not copy, reproduce, distribute, or create derivative works from our content without our prior written permission.
8. Third-Party Links and Carriers
The Site may contain links to third-party websites, including insurance carriers, and may facilitate the purchase of products underwritten by third parties. We do not control and are not responsible for the content, products, services, or privacy practices of third parties. Your dealings with insurance carriers are governed by the carriers' own terms and policies.
9. Disclaimer of Warranties
The Services are provided "as is" and "as available" without warranties of any kind, whether express or implied, including warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that the Site will be uninterrupted, error-free, or secure, or that any information provided through the Site is accurate, complete, or current. Insurance products are subject to the terms of the policies issued by the carriers.
10. Limitation of Liability
To the fullest extent permitted by law, Klever Coverage and its officers, employees, and agents will not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or data, arising out of or relating to your use of the Services, even if advised of the possibility of such damages. To the fullest extent permitted by law, our total liability for any claim arising out of or relating to the Services will not exceed the amount you paid to Klever Coverage, if any, for the Services giving rise to the claim. Nothing in these Terms limits liability that cannot be limited under applicable law.
11. Indemnification
You agree to indemnify and hold harmless Klever Coverage and its officers, employees, and agents from any claims, losses, liabilities, and expenses (including reasonable attorneys' fees) arising out of your use of the Services, your violation of these Terms, or your violation of any law or the rights of a third party.
12. Governing Law and Dispute Resolution
These Terms are governed by the laws of the State of Texas, without regard to its conflict-of-laws principles. Any dispute arising out of or relating to these Terms or the Services will be subject to the exclusive jurisdiction of the state and federal courts located in Texas, and you consent to that jurisdiction and venue.
13. Changes to These Terms
We may update these Terms from time to time. When we do, we will revise the "Last Updated" date above and post the revised Terms on this page. Your continued use of the Services after changes become effective constitutes acceptance of the updated Terms.
14. Contact Us
If you have questions about these Terms, contact us at:
Klever Coverage Inc. 1932 Bending Oak St. Aledo, TX 76008 Phone: (817) 719-1416 SMS: (817) 819-8196 Email: hello@klevercoverage.com Website: www.klevercoverage.com