Effective Date: August 04, 2026 I Last Updated: August 04, 2026

1. Who we are

MintCover, LLC is a Georgia-domiciled, licensed resident entity insurance producer. Agency license no. 245806; individual producer license no. 3890546. Currently licensed in Georgia, USA. Mailing address: 61 Linton St. Ste 2400, 30188 Woodstock, GA.

MintCover is not an insurance company. We do not issue policies, underwrite risk, or bind coverage. Every insurance policy is issued by the insurance company that provides it, and that company alone is responsible for its policies and for paying claims.

2. Our role depends on the product

MintCover works with you in two different ways, and for some products you can choose which.

Where we act as your broker. For renters, pet, condo, professional liability, errors-and-omissions (E&O), homeowners, and other agent-assisted property-and-casualty products, MintCover acts as your independent insurance broker. We reach insurance companies through market-access platforms that connect us to carriers and their markets. These platforms are intermediaries, not insurance companies. Coverage options, pricing, eligibility, and the binding of coverage are determined by the insurance company through its own underwriting. The insurance company, not MintCover, binds and issues the policy. For these products, MintCover receives compensation, in the form of a brokerage commission, from the insurance company when a policy is sold.

Where we offer a referral link. For renters and pet insurance, MintCover also offers an affiliate link to insurance carriers. For life insurance, MintCover offers an affiliate link to a partner. These referrals happen only when you choose to click through, for example, by selecting a logo or button option to be redirected to their website. If you proceed, you contract with and purchase your policy directly from the carrier or our life insurance partner, and their terms of service and privacy policy, not MintCover's, govern the policy and any information you provide on their websites. For these referrals, MintCover does not act as your broker, does not place or bind coverage, and does not hand over the information you gave us. If you buy through the referral link, MintCover may receive referral/affiliate compensation.

3. No advice

All information MintCover provides is for general educational purposes only. It is not insurance, legal, financial, or tax advice, a recommendation, or a solicitation to buy any particular policy, and MintCover does not act as your fiduciary or advisor. You should rely on your own judgment and, where appropriate, a qualified professional.

4. You decide

You are responsible for reviewing policy terms and for making your own coverage purchase decisions. Product information on this site is a general overview and is not a complete statement of the terms, conditions, exclusions, or limitations of any policy; the issuing insurance company's policy documents control.

5. We don't handle your payments

MintCover does not collect or process premium payments. Premiums and any payment information are handled by the insurance company or by the market-access platforms that place your coverage.

6. Coverage Protection Score

The Coverage Protection Score is a proprietary assessment tool created by MintCover to help you understand potential gaps in insurance coverage. Please keep the following in mind:

• It is for informational and educational purposes only. It is not a recommendation, not insurance advice, and not a guarantee of the adequacy of any coverage.

• It is not an industry-standard or regulated rating, and it carries no regulatory backing, endorsement, or approval.

• It is based only on the limited information you provide and on general assumptions, and it may not account for all of your circumstances, assets, risks, or coverage needs.

• Actual coverage, terms, eligibility, and rates are determined solely by the insurance company. A higher score does not guarantee protection against loss, and a lower score does not mean a policy is insufficient.

• The Score does not replace a personalized assessment of your individual needs.

• MintCover may receive a brokerage commission from insurance companies, or referral/affiliate compensation from carriers or partners, in connection with products shown to you. MintCover does not steer you toward higher-commission policies.

• The Score is generated for your own use and is not shared with any third party.

7. Uploading documents

Uploading documents (such as a rental agreement, current policy, or coverage offer) is optional. If you choose to upload, the following applies:

• Your responsibility. You are responsible for the documents and information you choose to upload. Please make sure you have the right to share them and that you do not include sensitive, confidential, or personal information you do not wish to disclose.

• Limited, AI-assisted extraction. MintCover uses technology, including artificial intelligence, to extract and analyze only the specific data points needed to help you understand your coverage. We do not fully digitize, recreate, or store complete copies of your documents, and information we do not need is not retained.

• No guarantee of accuracy. Automated extraction may not capture every detail, term, exclusion, or condition, and MintCover does not guarantee the accuracy or completeness of any extracted data or resulting insights.

• Not advice. Any output or insight generated from your documents is for informational and educational purposes only and is not insurance, legal, or financial advice.

• Privacy and third-party tools. Uploaded documents are processed securely and in accordance with our Privacy Policy. MintCover uses third-party service providers and AI tools that are contractually bound to handle your data securely.

• Please review. You are responsible for confirming that any extracted information accurately reflects your documents.

8. AI tools on this site

MintCover uses AI-powered tools to help answer questions and guide you, including an automated voice assistant ("Minty") and a website chat assistant. These tools may rely on third-party AI providers. Please do not share sensitive information you do not wish to disclose. Our full description of how these tools handle information is in our Privacy Policy. Text messages. If you call us and schedule an appointment, we will send a text message to the mobile number you called from or gave us, confirming the appointment and containing your meeting link. We send this because you asked us to schedule the appointment. This is a service message, not marketing. Message and data rates may apply, and message frequency varies. Reply STOP to any message to stop receiving texts. We do not send marketing or promotional text messages, and we do not share mobile phone numbers or text-messaging opt-in data with third parties or affiliates for their marketing or promotional purposes.

9. Cookies and tracking

Cookies are also used to gather statistical data, such as which pages are frequently visited, what is downloaded, and the address of sites visited immediately before or after coming to our Site. You can control the use of cookies within your web browser. However, if you reject cookies, your ability to use some features or areas of our Site may be limited.

10. Third-party websites

This site links to third-party websites, including partners and insurance companies. MintCover does not control and is not responsible for their content, services, or privacy practices. Please review their terms and privacy policies. MintCover is not affiliated with any government agency.

11. Changes

MintCover may update this Disclaimer from time to time. Changes take effect when posted, and the "last updated" date will be revised.