1. Introduction

Welcome to Covenant Insurance. These Terms and Conditions ("Terms") govern your use of our website, products, and services. By accessing or using our website or services, you agree to these Terms. If you do not agree with any part of these Terms, please do not use our website or services.

2. Services

We provide various insurance products, including but not limited to auto, home, renters, and motorcycle. Our services include policy issuance, claims processing, and customer support. We reserve the right to modify or discontinue any of our services at any time.

3. Use of Website

You agree to use our website only for lawful purposes and in accordance with these Terms. You are responsible for maintaining the confidentiality of your account information and for all activities that occur under your account. We are not liable for any unauthorized use of your account.

4. Application and Policy Issuance

To apply for insurance, you must provide accurate and complete information. Misrepresentation or failure to disclose relevant information may result in denial of coverage or cancellation of your policy. All policies are subject to approval and may be issued with specific terms and conditions.

5. Payment and Fees

You agree to pay all premiums and fees associated with your insurance policy as specified in your policy documents. Failure to make timely payments may result in policy cancellation or lapse of coverage.

6. Claims

To file a claim, you must follow the procedures outlined in your policy documents. We reserve the right to investigate all claims and require additional documentation or information. Claim approval and payment are subject to the terms and conditions of your policy.

7. Privacy and Data Protection

We are committed to protecting your personal information. Our Privacy Policy outlines how we collect, use, and protect your data. By using our services, you consent to our collection and use of your information as described in our Privacy Policy.

8. Limitation of Liability

To the maximum extent permitted by law, we are not liable for any indirect, incidental, consequential, or punitive damages arising from your use of our website or services. Our liability is limited to the amount paid by you for the insurance policy in question.

9. Changes to Terms

We may update these Terms from time to time. Any changes will be posted on our website with an updated effective date. Your continued use of our website and services after any changes constitutes your acceptance of the revised Terms.

10. Governing Law

These Terms are governed by and construed in accordance with the laws of Michigan. Any disputes arising from these Terms or your use of our services will be resolved in the courts of Michigan.