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Terms and Conditions

Terms and Conditions – Expert Coverage

Terms and Conditions

Effective Date: February 22, 2025

Welcome to Expert Coverage (https://expertcoverage.site/). By accessing and using this website, you agree to abide by the following Terms and Conditions. If you do not agree, please refrain from using our services.

1. Use of Website

This website is provided for informational and educational purposes. You must:

  • Be at least **18 years old** or have parental permission to use our services.
  • Not engage in **unlawful, fraudulent, or abusive activities**.
  • Use our content only for **personal, non-commercial purposes**, unless authorized.

2. Intellectual Property Rights

All content, including text, graphics, logos, and software, is the **intellectual property of Expert Coverage** and is protected under copyright and trademark laws. You may not:

  • Republish or redistribute our content without permission.
  • Modify, sell, or exploit any material from our website.

3. User-Generated Content

Users may submit comments or content, but by doing so, you grant **Expert Coverage a non-exclusive, royalty-free license** to use, reproduce, and distribute your content.

We reserve the right to remove any user-generated content that violates these Terms.

4. Third-Party Links & Services

We may include links to third-party websites for convenience. We **do not endorse or take responsibility** for the content, privacy policies, or services of external sites.

5. AI & Automated Content

In compliance with **Google’s 2025 AI policies**, any automated or AI-generated content on our website follows transparency, ethical guidelines, and does not mislead users.

6. Privacy & Data Usage

Your use of this website is also governed by our Privacy Policy. We follow strict **GDPR, CCPA, and Google data protection policies**.

7. Disclaimers & Limitations of Liability

We make no guarantees regarding the accuracy or reliability of our content. To the fullest extent permitted by law, **Expert Coverage shall not be held liable** for any damages resulting from the use of our website.

8. Termination of Access

We reserve the right to suspend or terminate access to our website **at any time, without prior notice**, if users violate these Terms.

9. Changes to Terms

We may update these Terms periodically. **Continued use of the website after changes means you accept the revised terms.**

10. Governing Law & Dispute Resolution

These Terms are governed by **[Your Country’s Law]**. Any disputes shall be resolved through mediation or arbitration before pursuing legal action.

11. Contact Us

If you have any questions about these Terms, you can contact us at:

Email: [Your Email Address]

Address: [Your Physical Address]