Introduction
These terms govern access to and use of the Cove platform — cove.dev, app.cove.dev, our APIs, SDKs, and related services (the “Service”) — provided by Cove Technologies, Inc., a Delaware corporation. By using the Service, you agree to these terms.
Eligibility
You must be at least 18 years old and have authority to bind your organization. The Service is built for businesses and is not intended for personal or consumer use, except where you interact with it as an end-applicant of one of our customers.
Accounts
Keep your credentials secure. You are responsible for activity on your account. Notify Cove promptly if you suspect unauthorized access.
Acceptable use
When using the Service, you agree not to:
- Reverse-engineer, decompile, or attempt to derive the source of the platform.
- Use the Service to violate any applicable law or regulation.
- Use the Service to discriminate against applicants in violation of fair-lending, fair-housing, or equivalent laws.
- Interfere with, disrupt, or attempt to gain unauthorized access to the Service or its underlying systems.
- Misrepresent applicant data or submit information you know to be inaccurate.
Customer obligations
Customers — the operators using Cove to deliver products to their own end-users — are responsible for:
- Obtaining all required applicant consents and disclosures before initiating a workflow.
- Complying with the FCRA, GLBA, and any state-equivalent laws when handling consumer data.
- Configuring decision logic that meets fair-lending and fair-housing requirements.
- Ensuring their use of Cove products complies with the regulations applicable to their industry.
Cove's role
Cove is a software platform. Where Cove acts as a service provider under the FCRA, a processor under privacy law, or a producer under insurance regulation, those obligations are addressed in separate written agreements. Cove is not the lender, the underwriter, or the insurer of record unless explicitly stated.
Intellectual property
Cove retains all rights in the platform, including the software, models, documentation, and underlying technology. Customers retain all rights in their data and configurations. Subject to these terms, Cove grants you a limited, non-exclusive, non-transferable license to use the platform for as long as you have an active subscription.
Fees and billing
Fees are as agreed in your order form or on our pricing page. Usage-based components are billed monthly in arrears. Fees are non-refundable except as required by law. We may change pricing with at least 30 days' notice.
Confidentiality
Each party will keep the other's non-public information confidential and use it only as needed to deliver or use the Service, or as required by law.
Warranties and disclaimers
Beyond what is expressly warranted in a signed agreement, the Service is provided as is and as available. Cove does not warrant that the Service will be uninterrupted, error-free, or fit for any particular purpose.
Limitation of liability
To the fullest extent permitted by law, Cove's aggregate liability arising out of or relating to the Service is limited to the fees paid to Cove in the twelve months preceding the claim. Cove will not be liable for any indirect, incidental, special, or consequential damages.
Indemnification
Customer will indemnify Cove against claims arising from the customer's misuse of the Service or violation of applicable law. Cove will indemnify customer against claims that the platform itself infringes a third party's intellectual property rights.
Termination
Either party may terminate for material breach if the breach is not cured within 30 days' written notice. Cove may suspend access for security reasons or non-payment. After termination, customers may export their data for 30 days.
Governing law
These terms are governed by the laws of the State of Delaware, without regard to conflict-of-laws principles. Disputes will be resolved in the state or federal courts located in Delaware, unless otherwise agreed in a signed contract.
Changes
We may update these terms from time to time. Material changes will be communicated to active customers. Continued use of the Service after the effective date of an update constitutes acceptance of the revised terms.
Contact
For legal questions or service of notice, write to legal@cove.dev.