Terms of Use

Welcome to ZP Coverage. By accessing or using this website, you agree to be bound by these Terms of Use. If you do not agree to these terms, please do not use this website.

Use of the website

You may use this website only for lawful purposes and in accordance with these Terms. You agree not to use the website in any way that could damage, disable, or impair the site or interfere with any other party’s use of the website.

Insurance quotes and information

ZP Coverage provides a platform for you to request insurance quotes and related information. By submitting your information through our forms, you consent to be contacted by ZP Coverage via phone, email, or text (SMS/MMS) regarding your insurance inquiry. Message and data rates may apply for text messages. You may opt out of communications at any time. Your SMS data, including your phone number and opt-in consent, will not be shared with or sold to any third parties or affiliates.

Accuracy of information

You agree to provide accurate, current, and complete information when using the website or submitting forms. ZP Coverage is not an insurance carrier; we help connect you with insurance products and services. Quotes and eligibility are subject to carrier underwriting and approval.

Intellectual property

All content on this website, including text, graphics, logos, and images, is the property of ZP Coverage or its licensors and is protected by copyright and other intellectual property laws. You may not reproduce, distribute, or create derivative works without our prior written permission.

Disclaimer of warranties

This website and its content are provided “as is” without warranties of any kind, either express or implied. ZP Coverage does not warrant that the website will be uninterrupted, error-free, or free of viruses or other harmful components.

Limitation of liability

To the fullest extent permitted by law, ZP Coverage and its affiliates, officers, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of the website or any products or services obtained through the website.

Binding arbitration

You and ZP Coverage (including its affiliates, agents, and assigns) agree that any dispute, claim, or controversy arising out of or relating to these Terms, the Privacy Policy, the website, any services provided through the website, or the relationship between you and ZP Coverage—including the scope, applicability, or enforceability of this arbitration agreement—shall be resolved exclusively by binding arbitration, and not in court. The only exceptions are: (a) either party may seek injunctive or other equitable relief in a court of competent jurisdiction for infringement or misuse of intellectual property rights; and (b) either party may bring an individual action in small claims court if the claim qualifies and remains within that court’s jurisdiction.

This agreement to arbitrate is governed by the Federal Arbitration Act (9 U.S.C. §§ 1 et seq.) and shall survive termination of these Terms or your use of the website.

Waiver of class action and representative relief

You and ZP Coverage agree that each may bring claims against the other only in your or its individual capacity and not as a plaintiff or class member in any purported class, collective, consolidated, or representative action or proceeding. You expressly waive any right to participate in a class action, class-wide arbitration, collective action, or any other form of representative proceeding. The arbitrator may not consolidate more than one person’s claims and may not preside over any form of representative or class proceeding. You and ZP Coverage waive any right to a jury trial. If this waiver of class or representative proceedings is found to be unenforceable in whole or in part, the entire arbitration agreement shall be null and void, but the remainder of these Terms shall remain in effect.

Arbitration rules and conduct

The arbitration shall be administered by JAMS in accordance with the JAMS Comprehensive Arbitration Rules and Procedures (or JAMS Streamlined Arbitration Rules for claims of $250,000 or less) in effect at the time the demand for arbitration is filed. If JAMS is unavailable or declines to administer, the arbitration shall be administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules. The arbitration shall be conducted by a single neutral arbitrator. The seat and place of arbitration shall be Denver, Colorado. The arbitrator’s award shall be final and binding, and judgment on the award may be entered in any court of competent jurisdiction. The arbitrator shall have no authority to award punitive or exemplary damages except where such damages are expressly permitted by applicable law.

Arbitration costs and fees

Each party shall bear its own costs, expenses, and attorneys’ fees incurred in connection with the arbitration, unless the arbitrator awards them to the prevailing party under applicable law. Payment of arbitration fees shall be governed by the rules of the administering organization.

Opt-out of arbitration

You may opt out of this binding arbitration agreement by sending a signed, written notice to ZP Coverage at the contact address below (or via email to [email protected] with the subject line “Arbitration Opt-Out”) within thirty (30) days of the date you first accepted these Terms or first used the website, whichever is earlier. The notice must include your full name, address, and a clear statement that you opt out of the arbitration agreement. If you validly opt out, the arbitration and class-action waiver provisions will not apply to you, but all other provisions of these Terms will remain in effect.

Links to third-party sites

The website may contain links to third-party websites. ZP Coverage is not responsible for the content or practices of linked sites. Your use of third-party sites is at your own risk.

Changes to these terms

We may update these Terms of Use from time to time. The “last revised” date at the top of this page will be updated when we do. Your continued use of the website after any changes constitutes acceptance of the revised terms.

Governing law

Except as set forth in the Binding arbitration section (which is governed by the Federal Arbitration Act), these Terms of Use shall be governed by the laws of the State of Colorado, without regard to its conflict of law provisions. For any matter not subject to arbitration, the state or federal courts in Denver, Colorado shall have exclusive jurisdiction.

Contact us

If you have any questions about these Terms of Use, please contact us:

Email: [email protected]
Phone: (719) 283-6194
Address: East Tower, 3773 Cherry Creek Dr N Suite 801, Denver, CO 80209