Terms and Conditions
These Terms of Service (“Terms”) apply to all use of Insurance Investigators and constitute a legal contract with each visitor. These Terms may be revised at any time by posting updated Terms on this page.
Last Updated: July 1, 2026
Privacy Practices and Applicable Laws
Insurance Investigators’s data practices are described in the Privacy Policy, which is incorporated by reference. This website is directed to general audiences in the United States and is operated in compliance with COPPA and applicable state privacy laws, including the CCPA/CPRA, CPA, VCDPA, CTDPA, TDPSA, MODPA (effective October 2025), ICDPA, KCDPA, RIDTPPA, and additional state statutes as enacted.
Definitions and Interpretations
For purposes of interpreting these Terms, the following defined terms apply: “Personal Information” or “Personal Data” means any information that identifies or is reasonably linkable to an individual consumer, consistent with the definitions set out in applicable state privacy laws. “Sensitive Personal Information” includes, without limitation, Social Security numbers, government identification numbers, financial credential data, precise geolocation, race or ethnicity, religion, union affiliation, health and medical data, biometric identifiers, sexual orientation, immigration status, and private communications. “Sale” or “Sharing” refers to disclosures of personal data to third parties for monetary or other valuable consideration, or in connection with cross-context behavioral advertising, as defined under applicable law.
Free Content for Personal Use
This website’s content is available to users free of charge, solely for personal and noncommercial purposes. Commercial use of any content on this website is expressly prohibited and may result in enforcement action under these Terms.
Why We Created This Site
This website was established by Coverage Investigators to distribute free, advertising-funded content to general audiences. The site is intended for personal use only and is not a venue for commercial activity by visitors.
Advertising and Marketing Disclosures
Advertising supports the operation of this website. Insurance Investigators and its advertising partners may receive payment for ad impressions, clicks, or other user interactions. We disclose all material advertising relationships.
Email Marketing: Submitting your email or contact information through this website may result in you receiving marketing emails from Insurance Investigators and its marketing partners. You may opt out at any time by using the unsubscribe mechanism included in each communication; opt-out requests are honored within 10 business days in accordance with CAN-SPAM.
SMS/Text Marketing: Where you have provided a mobile number and given explicit consent to receive SMS, you may receive text messages from Insurance Investigators or affiliated partners. Message and data rates may apply. To opt out, reply STOP; to get help, reply HELP. Providing SMS consent is entirely voluntary and not required for any purchase or access to this website.
Third-Party Websites and Links
These Terms apply exclusively to Insurance Investigators and are limited to Coverage Investigators’s operations. Coverage Investigators does not control and is not responsible for any third-party websites that may be linked or referenced on this website. Users who follow links to third-party sites are subject to those sites’ own terms and policies. Coverage Investigators encourages users to review the privacy practices and terms of any site before sharing personal information.
Personal Information We Collect and Share
Insurance Investigators gathers personal information from users in accordance with our Privacy Policy, which is incorporated into these Terms by reference. The categories of data we may collect include names, email and postal addresses, phone numbers, IP addresses, device identifiers, and browsing or behavioral data. We may share such data with advertising partners, data brokers, and other third parties for purposes that include targeted advertising, lead generation, and analytics, as described in our Privacy Policy. We do not sell Sensitive Personal Information. Applicable state privacy laws provide users with rights to access, correct, delete, and opt out of data sales, sharing, and targeted advertising. To exercise these rights, please visit our Privacy Choices page or contact us as described below. We will respond within the timeframes required by applicable law.
Financial Data Limitations
Access to and use of this website does not require the submission of financial account information. Should you have any concern that financial account data has been improperly collected or disclosed through this website, please reach out to Coverage Investigators promptly at the contact details below.
Copyright and Proprietary Rights
© 2026 Insurance Investigators. All rights reserved. Content, trademarks, logos, and other proprietary materials on this website belong to Coverage Investigators and may not be reproduced, distributed, or displayed without prior written consent. Unauthorized use may subject violators to legal liability.
To notify us of potential copyright infringement, email [email protected] with: (1) identification of the work you claim has been infringed; (2) the URL where the allegedly infringing content appears; (3) your contact information; and (4) a statement that you believe in good faith the use is unauthorized.
Protecting Children Online
Insurance Investigators is a general-audience site and is operated in compliance with the Children’s Online Privacy Protection Act (COPPA). We do not knowingly collect personal information from anyone under age 13. Upon becoming aware of any such inadvertent collection, we will act promptly to delete the information. This website is intended for users who are 18 or older. Parents or guardians with concerns about a minor’s submission of personal information through this website should contact us immediately.
Intended Audience: United States only
This website is maintained for U.S.-based audiences. Visitors who access this website from outside the United States assume all risk and responsibility for compliance with applicable laws of their respective jurisdictions. Coverage Investigators does not warrant compliance with any non-U.S. legal requirements.
Use Restrictions
The following uses of this website are prohibited, among others: collecting data for unauthorized commercial purposes; engaging in e-commerce; misrepresenting user identity or organizational affiliation; attempting to breach or interfere with website security; uploading or posting harmful or illegal content; using bots, scrapers, crawlers, or similar tools to extract data without written authorization; and violating any provision of CAN-SPAM, TCPA, CCPA/CPRA, FTC regulations, or other applicable law.
Changes to Terms and Access
These Terms may be updated or amended at any time. Material amendments will be reflected in a new “Last Updated” date posted on this page. Continued use of Insurance Investigators constitutes acceptance of any revised Terms. Access may be suspended or terminated, and civil or other legal remedies may be pursued, for any breach of these Terms.
Arbitration Agreement
ANY DISPUTE, CLAIM, OR CONTROVERSY RELATING TO THESE TERMS OR THIS WEBSITE SHALL BE SUBJECT TO A 30-DAY INFORMAL GOOD-FAITH RESOLUTION EFFORT BEFORE ANY FORMAL PROCEEDINGS ARE INITIATED. IF INFORMALLY UNRESOLVED, DISPUTES SHALL BE REFERRED TO BINDING ARBITRATION UNDER THE AMERICAN ARBITRATION ASSOCIATION’S APPLICABLE RULES, EXCEPT THAT INJUNCTIVE RELIEF MAY BE SOUGHT IN A COURT OF COMPETENT JURISDICTION.
CLASS ACTION WAIVER: BY USING THIS Insurance Investigators, YOU AGREE THAT, TO THE MAXIMUM EXTENT PERMITTED BY LAW, ALL DISPUTES WILL BE RESOLVED INDIVIDUALLY AND NOT IN ANY CLASS, COLLECTIVE, OR REPRESENTATIVE ACTION.
Choice of Law and Jurisdiction
These Terms are subject to and shall be construed in accordance with the laws of New Jersey, to the exclusion of any conflict of law principles. Users retain all rights under applicable state and federal privacy laws, which are not restricted or waived by anything in these Terms.
Contact Us
Contact us with questions about these Terms at [email protected]. You may also send postal mail to: 179 Hwy 46 West, Ste 15-248, Rockaway, NJ 07866. To submit a CCPA/CPRA or other state privacy rights request by telephone, call: 855-962-3383.