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

The website at www.mintcover.net (the "Site") is operated by MintCover, LLC, a Georgia limited liability company and licensed resident entity insurance producer ("MintCover," "we," "our," or "us"). These Terms of Use (these "Terms") set out the legally binding terms that govern your access to and use of the Site and any related online services, features, tools, and content we make available and link to these Terms (together, the "Services").

By accessing or using the Site, you agree to these Terms and to our Privacy Policy, which is incorporated here by reference. If you do not agree, do not access or use the Site. You must be at least 18 years old and a resident of the United States to use the Site.

Please read the "Dispute Resolution and Arbitration" section (Section 18) carefully. It requires most disputes between you and MintCover to be resolved by binding individual arbitration, and it contains a class-action waiver and a jury-trial waiver. You may opt out of arbitration within 30 days as described in that section.

We may revise these Terms from time to time. When we do, we will update the "Last revised" date above. Your continued use of the Site after a change takes effect means you accept the updated Terms.

1. Who we are, and how our role depends on the product

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

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

(a) 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, licensed insurance broker. We reach insurance companies through market-access platforms that connect us to carriers and their markets. These platforms are intermediaries that route placements to carriers; they are 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.

(b) 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 occur only when you choose to click through for example, by selecting the 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 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 to an insurance carrier or our life insurance partner the information you gave us.

2. Producer licensing disclosure

MintCover, LLC is a licensed resident entity insurance producer domiciled in Georgia. Agency license no. 245806; individual producer license no. 3890546. Currently licensed in Georgia, USA. Additional states will be added as licenses are obtained.

3. No advice; you decide

Information on the Site is provided for general educational and informational 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. Product descriptions on the Site are general summaries and are not complete statements of the terms, conditions, exclusions, or limitations of any policy; the issuing insurance company's policy documents control. You are responsible for reviewing policy terms and for making your own coverage decisions. Your eligibility for any product is subject to the issuing insurance company's underwriting and acceptance.

4. How we are paid

Broker products. For products where MintCover acts as your broker, MintCover receives compensation in the form of a brokerage commission, paid by the insurance company, when a policy is sold. Commissions are already reflected in the policy premium; you do not pay MintCover a separate fee for this.

Referral products. If you purchase from a partner through our affiliate/ referral link, MintCover may receive referral or affiliate compensation from the partner. MintCover does not steer you toward higher-commission policies, and the compensation we may receive does not determine which options are presented to you.

5. We do not 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. If a carrier offers a direct online purchase or payment link, that transaction takes place with the carrier, under the carrier's terms.

6. Electronic delivery and communications

You agree that MintCover may provide agreements, notices, disclosures, and other communications to you electronically by email or by posting them on the Site, and that electronic communications satisfy any legal requirement that they be in writing. Where a policy or related documents are delivered electronically, you consent to that electronic delivery; electronic delivery of a policy also depends on the issuing insurance company supporting it. This section does not affect any rights that cannot be waived under applicable law.

7. Information you provide

You represent that all information you provide to MintCover to obtain a quote or submit an application is true, complete, and correct, and that you will keep it current. You are responsible for the consequences of any inaccurate or incomplete information you provide.

8. Coverage Protection Score

The Coverage Protection Score is a proprietary assessment tool created by MintCover to help you understand potential gaps in insurance coverage. 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 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 is generated for your own use.

9. Uploading documents

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

• Your responsibility. You are responsible for the documents and information you upload. You represent that you have the right to share them, and you agree not to include sensitive, confidential, or third-party 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.

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

Our handling of uploaded documents and extracted data is described further in our Privacy Policy.

10. AI-powered tools and text messages

(a) AI tools. 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 who are contractually bound to handle information securely. Please do not share sensitive information you do not wish to disclose. Our Privacy Policy describes how these tools handle information.

(b) Text messages. When you call MintCover and schedule an appointment, you are asking us to contact you about that appointment, and you consent to receive a text message at the mobile number you called from or provided, confirming the appointment and containing your meeting link. These are transactional service messages relating to the appointment you requested; they are not marketing. Message and data rates may apply, and message frequency varies. You may stop these messages at any time by replying STOP, or by contacting us at insurance@mintcover.net. We will honor an opt-out no later than ten (10) business days after we receive it, and we may send you a single message confirming that we have stopped. Opting out of text messages does not affect our ability to contact you by phone or email about a quote, application, or policy. We do not use text messages for marketing, and we do not sell, rent, or share mobile numbers or text-messaging opt-in data with third parties or affiliates for their own marketing or promotional purposes. Wireless carriers are not liable for delayed or undelivered messages.

11. License to use the Site, and restrictions

Subject to these Terms, MintCover grants you a limited, non-exclusive, non-transferable, revocable license to access and use the Site for your own personal, non-commercial use. You may not: (a) license, sell, rent, lease, distribute, or otherwise commercially exploit the Site or its content; (b) modify, create derivative works of, reverse engineer, decompile, or disassemble any part of the Site; (c) access the Site to build a competing product or service; (d) copy, reproduce, republish, or transmit any part of the Site except as expressly allowed; (e) use any robot, scraper, crawler, or other automated means to access the Site or extract data from it, except that we grant operators of public search engines revocable permission to index publicly available materials consistent with our robots.txt file; (f) interfere with or place an unreasonable load on the Site or its infrastructure, or attempt to gain unauthorized access to it; or (g) remove any proprietary notices. We may suspend or limit access to the Site, in whole or in part, at any time and in our discretion, without notice or liability.

12. Ownership

Except for content you provide, all intellectual property rights in the Site and its content including text, design, graphics, and the Coverage Protection Score are owned by MintCover or its licensors. These Terms do not transfer any of those rights to you other than the limited license in Section 11. The trademarks, logos, and service marks displayed on the Site are the property of MintCover or third parties and may not be used without prior written permission.

13. Content you provide

"User Content" means information or content you submit to the Site, including documents you upload and information you enter to obtain a quote. You are solely responsible for your User Content, and you represent that you have the right to provide it and that it does not violate these Terms or any third-party right.

You grant MintCover a limited, non-exclusive, royalty-free license to use, process, and store your User Content solely to provide the Services to you (including generating your Coverage Protection Score and analyzing uploaded documents) and as described in our Privacy Policy. This license is limited to those purposes; it does not grant MintCover a general right to publish, distribute, or commercially exploit your User Content, and it is subject to the data-handling and deletion practices described in our Privacy Policy. Any feedback or suggestions you send us are non-confidential, and you agree we may use them without obligation to you.

14. Third-party links and websites

The Site contains links to third-party websites and services, including partners, insurance companies, and market-access platforms. MintCover does not control and is not responsible for the content, services, or privacy practices of these third parties. When you follow a link and leave the Site, the third party's terms and privacy policy apply. You use third-party websites and services at your own risk.

15. Geographic availability

MintCover operates the Site from the United States and makes no representation that the Site or the products described on it are appropriate or available in every location. Products and services may be available only in certain states and are subject to applicable law and to each insurance company's availability and underwriting. We may limit the availability of the Site or any feature to any person or geographic area at any time.

16. Disclaimer of warranties

THE SITE IS PROVIDED "AS IS" AND "AS AVAILABLE." TO THE FULLEST EXTENT PERMITTED BY LAW, MINTCOVER DISCLAIMS ALL WARRANTIES, EXPRESS, IMPLIED, OR STATUTORY, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SITE WILL BE UNINTERRUPTED, TIMELY, SECURE, ERROR-FREE, OR FREE OF HARMFUL COMPONENTS, OR THAT ANY INFORMATION ON IT IS ACCURATE OR COMPLETE. IF APPLICABLE LAW REQUIRES ANY WARRANTIES, THOSE WARRANTIES ARE LIMITED IN DURATION TO 90 DAYS FROM YOUR FIRST USE OF THE SITE. Some jurisdictions do not allow the exclusion of implied warranties, so the above may not fully apply to you.

17. Limitation of liability

TO THE FULLEST EXTENT PERMITTED BY LAW, MINTCOVER (AND ITS SUPPLIERS) WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR ANY LOST PROFITS OR LOST DATA, ARISING FROM OR RELATING TO THESE TERMS OR YOUR USE OF OR INABILITY TO USE THE SITE, EVEN IF ADVISED OF THE POSSIBILITY. TO THE FULLEST EXTENT PERMITTED BY LAW, MINTCOVER'S TOTAL LIABILITY FOR ANY CLAIM ARISING FROM OR RELATING TO THESE TERMS OR THE SITE WILL NOT EXCEED: US $50. The existence of more than one claim will not increase this limit. Some jurisdictions do not allow certain limitations, so parts of this section may not apply to you. Nothing in these Terms limits rights that cannot be limited under applicable law.

18. Dispute resolution and arbitration

Please read this section carefully. It affects your legal rights, including your right to go to court and to participate in a class action. You may opt out within 30 days (Section 18(f)).

(a) Informal resolution first. Before starting an arbitration, you and MintCover agree to try to resolve the dispute informally. The party raising the dispute will send a written notice describing the dispute and the relief sought to legal@mintcover.net or to the address in Section 22. Both parties will then confer in good faith, by phone or videoconference, for 30 days from the date the notice is received. Neither party may begin an arbitration before that period ends. This step applies equally to you and to us, and any applicable statute of limitations or filing deadline is paused while it is underway.

(b) Agreement to arbitrate. If the dispute is not resolved informally, you and MintCover agree that any dispute arising out of or relating to the Site, the Services, or these Terms will be resolved by binding individual arbitration, rather than in court, except that either party may (1) bring a qualifying claim in small claims court, and (2) seek to protect its intellectual property in court. The Federal Arbitration Act governs the interpretation and enforcement of this section.

(c) Arbitration forum and process. The arbitration will be administered by JAMS under its applicable rules, before a single arbitrator, and will take place in the county where you reside or by videoconference, unless the parties agree otherwise. The arbitrator may award the same individual relief a court could and must follow these Terms. The award is final and binding, and judgment may be entered on it in any court of competent jurisdiction.

(d) Class-action waiver. You and MintCover agree that each may bring claims against the other only in an individual capacity, and not as a plaintiff or class member in any class, collective, consolidated, representative, or mass action. The arbitrator may not consolidate more than one person's claims or preside over any class or representative proceeding. If a court finds this class-action waiver unenforceable as to a particular claim or request for relief, that claim or request will be severed and may proceed in the state or federal courts located in the State of Georgia; all other disputes will remain in arbitration.

(e) Jury-trial waiver. To the extent any dispute proceeds in court despite this section, you and MintCover each knowingly and voluntarily waive any right to a trial by jury.

(f) 30-day right to opt out. You may opt out of this arbitration agreement by sending written notice including your name, address, and a clear statement that you want to opt out to legal@mintcover.net or the address in Section 22 within 30 days after you first become subject to these Terms. If you opt out, the rest of these Terms still apply.

(g) Batch arbitration. If 75 or more similar demands for arbitration are filed against MintCover by or with the coordination of the same or coordinated counsel, you and MintCover agree that the JAMS Mass Arbitration Procedures and Guidelines then in effect will apply. Under those procedures, a JAMS Process Administrator will determine how the demands are grouped, batched, or consolidated and will set the schedule. Each claim will be decided on its own merits, and the outcome of any demand or batch does not bind or determine the outcome of any other. Nothing in this paragraph permits a class, collective, or representative arbitration.

(h) Changes to this section. If MintCover makes a material change to this arbitration section in the future, you may reject that change within 30 days of its effective date by written notice; any prior agreement to arbitrate otherwise remains in effect.

19. Indemnification

You agree to defend, indemnify, and hold harmless MintCover and its members, officers, employees, and agents from any claims, damages, losses, and costs (including reasonable attorneys' fees) arising out of or related to your use of the Site, your User Content, your violation of these Terms, or your violation of applicable law or any third-party right. MintCover may assume the exclusive defense of any matter subject to indemnification, at your expense, and you agree to cooperate. You will not settle any such matter without our prior written consent.

20. Term, termination, and suspension

These Terms remain in effect while you use the Site. We may suspend or terminate your access to the Site at any time, for any reason, in our discretion, including for any violation of these Terms, without notice or liability. Sections that by their nature should survive termination including Sections 3, 4, 12, 13, 16, 17, 18, 19, and 22 will survive.

21. Copyright and DMCA

MintCover respects the intellectual property of others. If you believe content on the Site infringes your copyright, please send a written notice with the information required under 17 U.S.C. § 512(c) to Copyright Agent, MintCover, LLC, 61 Linton St, #2400, Woodstock, GA 30188, Phone: 678-251-0670, email: copyright@mintcover.net. Misrepresentations in a takedown notice may create liability under 17 U.S.C. § 512(f).

22. General

Changes. We may revise these Terms from time to time; material changes take effect when posted (and, where we have your email, we may notify you). Continued use after changes take effect is acceptance.

Governing law and venue. These Terms are governed by the laws of the State of Georgia, without regard to conflict-of-laws principles, and subject to the arbitration section, you and MintCover submit to the state and federal courts located in Georgia. These Terms are drafted to apply as MintCover expands to additional states; nothing in them waives any right that cannot be waived under the consumer-protection law of your state of residence.

California notice. If you are a California resident, you may report complaints to the Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs in writing at 1625 North Market Blvd., Suite N-112, Sacramento, CA 95834, or by phone at (800) 952-5210.

Export. You agree not to use or export the Site in violation of U.S. export laws.

Entire agreement; miscellaneous. These Terms and the Privacy Policy are the entire agreement between you and MintCover regarding the Site and supersede any prior agreements. Our failure to enforce any provision is not a waiver. If any provision is unenforceable, it will be modified to the minimum extent necessary and the rest will remain in effect. You may not assign these Terms without our consent; we may assign them freely. Section headings are for convenience only, and "including" means "including without limitation." You and MintCover are independent parties; these Terms do not create a partnership or agency between us.

Contact. Questions about these Terms: legal@mintcover.net, or MintCover, LLC, 61 Linton St, #2400, Woodstock, GA 30188.

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