Terms of Service

01Acceptance of these Terms

These Terms of Service ("Terms") are a binding legal agreement between you and Sovra Inc. ("Sovra," "we," "us," or "our"). They govern your access to and use of our website at trustsovra.com, our voice advisory service, and any related products or services we offer (collectively, the "Service").

By accessing or using the Service, you agree to these Terms and to our Privacy Policy. If you do not agree, do not use the Service.

02Eligibility

To use the Service, you must:

• Be at least 18 years old, or the age of majority in your jurisdiction, whichever is greater.
• Be a resident of the United States in a state where Sovra's parent agency, Covered America, holds an active health insurance license. As of the effective date, this includes 47 states (excluding California, Alaska, and Hawaii).
• Have the legal capacity to enter into a binding contract.
• Not be barred from receiving the Service under applicable law.

If you are using the Service on behalf of another person (such as a family member), you represent that you have the legal authority to do so and to provide their information.

03What Sovra is, and what it isn't

Sovra is an AI-powered health insurance advisory platform. We help you understand health insurance options and recommend plans based on the information you provide.

Sovra is:

• An independent advisory service operated by Sovra Inc.
• Powered by an underlying licensed insurance agency (Covered America) and a licensed insurance agent (Joe Valle, NPN 20970762).
• A free service for consumers. You will never be charged a fee by Sovra for using the Service.

Sovra is not:

• An insurance carrier. We do not underwrite, issue, or pay claims on health insurance policies.
• A government agency. We are not affiliated with the United States government, the Centers for Medicare & Medicaid Services (CMS), Healthcare.gov, or any state-based health insurance marketplace.
• A provider of legal, financial, tax, or medical advice.
• A guarantor of plan availability, pricing, or eligibility.

04Account access and your information

The Service does not currently use traditional password-based accounts. After you complete an intake, we send you a unique link by SMS (and/or email) that grants access to your personalized plan recommendations. Treat this link as you would a password. Anyone with the link can view your plan recommendations and the information you provided.

You agree to:

• Provide accurate, complete, and current information when using the Service. Inaccurate information will produce inaccurate recommendations.
• Keep any access links or credentials we send you confidential and not share them with anyone you do not authorize to view your information.
• Notify us promptly at [email protected] if you believe your access link or any other Sovra credential has been compromised.

05Acceptable use

You agree to use the Service only for its intended purpose, which is to evaluate health insurance options for yourself or members of your household. You agree not to:

• Use the Service for any unlawful, fraudulent, or abusive purpose.
• Submit false, misleading, or third-party information without authorization.
• Attempt to gain unauthorized access to our systems, other users' data, or any portion of the Service not intended to be available to you.
• Reverse engineer, decompile, scrape, or attempt to extract the Service's source code, databases, underlying advisory systems, or proprietary methods, except as expressly permitted by law.
• Use automated tools (bots, scrapers, crawlers) to access the Service without our prior written permission.
• Interfere with or disrupt the Service, including by introducing malware, conducting denial-of-service attacks, or transmitting any code or data of a destructive nature.
• Resell, redistribute, sublicense, or commercially exploit the Service or any content obtained through it without our prior written consent.
• Impersonate any person or entity or misrepresent your affiliation with any person or entity.

We reserve the right to suspend or terminate your access to the Service if we determine, in our sole discretion, that you have violated these Terms.

06About our recommendations

Sovra's recommendations are advisory only. They are based on the information you provide and on data available to us at the time the recommendation is generated. They are not guarantees of any specific outcome.

• Plan availability and pricing are subject to change at any time and are ultimately determined by the insurance carrier and the relevant marketplace at the time of enrollment.
• Subsidy estimates are based on the income and household information you provide. Actual subsidy eligibility is determined at enrollment by Healthcare.gov or your state-based marketplace, which may verify your income against IRS records and other sources.
• Provider network status reflects the most recent data we have from carriers, but networks change. Always verify a provider's network participation directly with the carrier and the provider before enrolling.
• Prescription coverage reflects published formularies. Your specific medication, dosage, and prior authorization requirements should be verified with the carrier before enrolling.
• Sovra's recommendations are not a substitute for professional legal, financial, tax, or medical advice. For personalized advice on those subjects, consult an appropriately licensed professional.

07Carrier relationships and how Sovra is funded

We believe transparency about how we are paid is essential to your trust.

Sovra Inc. operates the advisory platform. Covered America is an independent insurance agency licensed to sell health insurance in 47 states; Joe Valle, NPN 20970762, is the principal licensed agent.

If you choose to enroll in a health insurance plan presented by Sovra, Covered America may receive a standard commission from the insurance carrier. This commission is paid by the carrier, not by you. Your premium does not change as a result of using our service.

Affordable Care Act (ACA) commissions are standardized across carriers by federal and state regulation. This means we have no financial incentive to recommend one ACA-compliant plan over another based on commission. Sovra's recommendations are based solely on the fit between your stated needs and the available plans. Our internal recommendation logic does not reference, weight, or consider commission rates in any way.

Sovra is also funded by venture capital investors who believe in providing consumers with unbiased advisory services. We do not receive payments from carriers in exchange for promoting their plans, and we do not accept "marketing development funds" or similar payments from any carrier.

08Voice recording and AI processing consent

Our voice advisory feature involves the recording, transmission, and AI processing of your conversation. By initiating or continuing a voice session with Sovra, you expressly acknowledge and consent to all of the following:

• The recording of your conversation with our AI advisor in audio and text form.
• The transmission of your voice and conversation transcripts to the categories of service providers identified in our Privacy Policy for the purposes of speech-to-text transcription, AI-generated response, text-to-speech synthesis, and storage.
• The retention of your conversation in accordance with the retention schedule described in our Privacy Policy.
• The use of de-identified excerpts of your conversation to improve the Service.
• The processing of any health-related information you choose to share during the conversation in order to generate insurance recommendations.

Two-party consent states. If you reside in California, Connecticut, Florida, Illinois, Maryland, Massachusetts, Michigan, Montana, New Hampshire, Nevada, Pennsylvania, or Washington, applicable law requires the consent of all parties to a recorded conversation. We provide an audible recording disclosure at the start of every voice session. Your voluntary continuation of the voice session after that disclosure constitutes your express consent to the recording.

If you do not consent to recording or AI processing, do not initiate or continue a voice session. You may use Sovra's text-based and form-based intake instead, which does not involve voice recording.

You may request deletion of your voice recordings and transcripts at any time by emailing [email protected], subject to our standard retention obligations for active enrollments and applicable legal requirements.

09SMS and email communications

SMS messages. By providing your phone number and submitting the intake form, you consent to receive text messages from Sovra related to your inquiry, including a link to your personalized plan recommendations. Message and data rates may apply. Message frequency varies. Reply STOP at any time to opt out, or HELP for help. Opting out will not affect your ability to use other parts of the Service. This consent is not a condition of any purchase.

Email messages. If you provide your email address, we may use it to send you Service-related communications, including your plan recommendations and important updates about your enrollment. We comply with the CAN-SPAM Act of 2003. Every email contains a clear sender identification and an unsubscribe mechanism. We do not send unsolicited marketing email.

10Intellectual property

Sovra's property. The Service and all its content (excluding information you provide), features, functionality, software, code, algorithms, advisory systems, designs, text, graphics, logos, and the "SOVRA" name and brand are owned by Sovra Inc. and are protected by United States and international copyright, trademark, and other intellectual property laws. We grant you a limited, personal, non-exclusive, non-transferable, revocable license to use the Service for its intended purpose.

Your information. You retain all ownership rights in the information you provide to us. By providing information to the Service, you grant Sovra a worldwide, non-exclusive, royalty-free license to use, store, process, transmit, and display that information solely for the purposes described in these Terms and our Privacy Policy.

Feedback. If you submit feedback, suggestions, or ideas about the Service, you grant Sovra a perpetual, irrevocable, worldwide, royalty-free license to use them without compensation or attribution.

11Third-party services and links

The Service may contain links to or integrations with third-party websites, services, or products. Sovra does not control, endorse, or assume responsibility for any third-party content, products, or services. Your use of any third-party service is governed by the terms and privacy policies of that third party.

Information about insurance plans is sourced in part from third parties, including insurance carriers, federal and state marketplaces, and licensed health insurance data providers. Sovra does not warrant the accuracy, completeness, or timeliness of plan data sourced from third parties.

12Disclaimer of warranties

THE SERVICE IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS, WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMITTED BY LAW, SOVRA DISCLAIMS ALL WARRANTIES, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, AND ANY WARRANTIES ARISING OUT OF COURSE OF DEALING OR USAGE OF TRADE.

SOVRA DOES NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, SECURE, ERROR-FREE, OR FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS, OR THAT ANY DEFECTS WILL BE CORRECTED. SOVRA DOES NOT WARRANT THE ACCURACY, COMPLETENESS, OR TIMELINESS OF ANY PLAN INFORMATION, RECOMMENDATION, OR SUBSIDY ESTIMATE.

Some jurisdictions do not allow the disclaimer of certain warranties, so some of the above disclaimers may not apply to you.

13Limitation of liability

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT WILL SOVRA, ITS AFFILIATES (INCLUDING COVERED AMERICA), OR THEIR RESPECTIVE OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, CONTRACTORS, LICENSORS, OR SERVICE PROVIDERS (COLLECTIVELY, THE "SOVRA PARTIES") BE LIABLE TO YOU OR TO ANY THIRD PARTY FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, REVENUES, DATA, USE, GOODWILL, BUSINESS OPPORTUNITIES, OR OTHER INTANGIBLE LOSSES, WHETHER ARISING IN CONTRACT, TORT (INCLUDING NEGLIGENCE), STATUTE, OR ANY OTHER THEORY, ARISING OUT OF OR RELATING TO YOUR USE OF (OR INABILITY TO USE) THE SERVICE, EVEN IF A SOVRA PARTY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

WITHOUT LIMITING THE GENERALITY OF THE FOREGOING, THE SOVRA PARTIES' TOTAL CUMULATIVE LIABILITY TO YOU FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THE SERVICE OR THESE TERMS, REGARDLESS OF THE THEORY OF LIABILITY, WILL NOT EXCEED THE GREATER OF: (A) ONE HUNDRED U.S. DOLLARS ($100.00); OR (B) THE TOTAL AMOUNT YOU HAVE PAID TO SOVRA, IF ANY, IN THE TWELVE (12) MONTHS PRECEDING THE EVENT GIVING RISE TO THE CLAIM. YOU ACKNOWLEDGE THAT BECAUSE THE SERVICE IS PROVIDED FREE OF CHARGE TO CONSUMERS, THIS LIMITATION IS A FUNDAMENTAL PART OF THE BARGAIN BETWEEN YOU AND SOVRA AND THAT SOVRA WOULD NOT PROVIDE THE SERVICE WITHOUT IT.

The limitations and exclusions in this section apply even if any limited remedy fails of its essential purpose. Some jurisdictions do not allow the limitation of liability for certain types of damages or the exclusion of incidental or consequential damages, so some of the above limitations may not apply to you. Nothing in these Terms limits any liability that cannot be limited under applicable law (including, where applicable, liability for gross negligence, fraud, or willful misconduct).

14Indemnification

You agree to indemnify, defend, and hold harmless Sovra, its affiliates (including Covered America), and their respective officers, directors, employees, agents, contractors, licensors, and service providers (the "Sovra Parties") from and against any and all claims, demands, actions, proceedings, liabilities, damages, losses, judgments, settlements, costs, and expenses (including reasonable attorneys' fees, defense costs, and court costs) arising out of or relating to: (a) your access to or use of the Service; (b) your violation of these Terms; (c) your violation of any law, regulation, or the rights of any third party; (d) any information you submit to or through the Service, including any inaccurate, false, or misleading information; (e) your negligence or willful misconduct; or (f) any dispute between you and a third party related to your use of the Service.

Sovra reserves the right, at your expense, to assume the exclusive defense and control of any matter for which you are required to indemnify us, in which case you agree to cooperate with our defense. You will not settle any claim without Sovra's prior written consent. Your indemnification obligations under this section will survive termination of these Terms.

15Termination

You may stop using the Service at any time. You may request deletion of your information by emailing [email protected].

We may suspend or terminate your access to the Service at any time, with or without notice, for any reason, including if we believe you have violated these Terms or if continued provision of the Service to you would create a legal or business risk for Sovra.

Sections that by their nature should survive termination (including intellectual property, disclaimer of warranties, limitation of liability, indemnification, and dispute resolution) will survive termination of these Terms.

16Governing law and dispute resolution

Governing law. These Terms and any dispute arising out of or relating to these Terms or the Service will be governed by the laws of the State of Florida, without regard to its conflict of laws principles. The Federal Arbitration Act, 9 U.S.C. §§ 1 et seq., governs the interpretation and enforcement of the arbitration provisions in this section.

Forum. Subject to the binding arbitration provision below, you and Sovra agree that any judicial proceeding (including small-claims actions or actions for injunctive relief permitted under the "Exceptions" below) will be brought exclusively in the state or federal courts located in Miami-Dade County, Florida. You and Sovra each consent to the personal jurisdiction of those courts and waive any objection based on inconvenient forum.

Informal resolution first. Before filing any formal claim, you agree to first contact us at [email protected] with a written description of the issue, including your contact information and the specific relief you seek. We will attempt in good faith to resolve the dispute informally within sixty (60) days. The statute of limitations and any filing-fee deadlines will be tolled while you and Sovra engage in this informal resolution process.

Binding arbitration. If we cannot resolve the dispute informally within 60 days, you and Sovra agree that any dispute, claim, or controversy arising out of or relating to these Terms, the Service, or our advertising of the Service (each, a "Dispute") will be resolved through binding individual arbitration administered by JAMS in Miami-Dade County, Florida, under JAMS's Streamlined Arbitration Rules (or, for claims exceeding $250,000, JAMS's Comprehensive Arbitration Rules) before a single arbitrator. The arbitrator's decision will be final and binding. Judgment on the award may be entered in any court of competent jurisdiction. The arbitrator, and not any federal, state, or local court or agency, will have exclusive authority to resolve any Dispute relating to the interpretation, applicability, enforceability, or formation of this arbitration agreement, including whether any portion of it is void or voidable.

Arbitration fees. Each party will bear its own attorneys' fees and costs in arbitration, except as otherwise provided by JAMS rules, applicable law, or the arbitrator's award. For claims by a consumer where the amount in controversy is less than $10,000, Sovra will pay all JAMS administrative and arbitrator fees, except for the initial filing fee, unless the arbitrator determines the claim was frivolous or brought for an improper purpose.

Class action waiver. YOU AND SOVRA AGREE THAT ANY ARBITRATION OR PROCEEDING WILL BE CONDUCTED ON AN INDIVIDUAL BASIS ONLY AND NOT AS A CLASS, COLLECTIVE, CONSOLIDATED, OR REPRESENTATIVE ACTION. YOU AND SOVRA EACH WAIVE THE RIGHT TO PARTICIPATE IN A CLASS ACTION, CLASS-WIDE ARBITRATION, PRIVATE ATTORNEY GENERAL ACTION, OR ANY OTHER REPRESENTATIVE PROCEEDING, AND THE RIGHT TO HAVE ANY CLAIM TRIED BEFORE A JURY. The arbitrator may not consolidate more than one person's claims and may not preside over any form of representative or class proceeding.

Severability of arbitration provision. If the class action waiver above is found to be unenforceable as to any claim or remedy you seek, then that claim or remedy (and only that claim or remedy) will be severed from arbitration and brought in a court of competent jurisdiction in Miami-Dade County, Florida. All other claims will remain subject to binding individual arbitration. If, however, the class action waiver is found to be unenforceable as to all claims, then this entire arbitration provision (other than the class action waiver itself) will also be unenforceable, and any Dispute must be brought exclusively in court as provided above. The remainder of these Terms will continue in full force and effect.

Exceptions. Notwithstanding the foregoing, either party may: (a) bring an individual claim in small claims court for any claim that qualifies under the rules of that court; (b) seek injunctive or equitable relief in a court of competent jurisdiction to prevent the actual or threatened infringement, misappropriation, or violation of intellectual property rights; or (c) report a violation to or seek relief from any government agency that is empowered to grant such relief.

30-day opt-out. You may opt out of the arbitration agreement and class action waiver above by sending a written notice to [email protected] within thirty (30) days of first accepting these Terms. Your notice must include your full name, mailing address, the email or phone number associated with your use of the Service, and a clear statement that you wish to opt out of arbitration. Opting out will not affect any other provision of these Terms.

Statute of limitations. To the extent permitted by law, any claim arising out of or relating to these Terms or the Service must be filed within one (1) year after such claim arose. Otherwise, the claim is permanently barred.

17General provisions

Entire agreement. These Terms, together with our Privacy Policy and Disclaimer, constitute the entire agreement between you and Sovra regarding the Service and supersede all prior or contemporaneous agreements, communications, and proposals, whether oral or written, between you and Sovra.

Severability. If any provision of these Terms is found to be unenforceable or invalid by a court or arbitrator of competent jurisdiction, that provision will be enforced to the maximum extent permitted, and the remaining provisions of these Terms (including the provision in question, in part to the extent enforceable) will continue in full force and effect.

No waiver. Our failure to exercise or enforce any right or provision of these Terms will not be deemed a waiver of that right or provision. No waiver of any term will be effective unless in writing and signed by an authorized representative of Sovra.

Assignment. You may not assign or transfer these Terms or any of your rights or obligations under them, by operation of law or otherwise, without Sovra's prior written consent. Any attempted assignment in violation of this provision is void. Sovra may freely assign or transfer these Terms in whole or in part, including in connection with a merger, acquisition, financing, reorganization, or sale of all or substantially all of its assets. These Terms will bind and benefit the parties and their respective successors and permitted assigns.

No third-party beneficiaries. These Terms do not, and are not intended to, confer any rights or remedies on any person or entity other than you and Sovra. The Sovra Parties (as defined in section 13) are intended third-party beneficiaries of the indemnification, limitation of liability, and disclaimer provisions of these Terms and may enforce those provisions directly.

Independent contractors. You and Sovra are independent contractors. Nothing in these Terms creates a partnership, joint venture, agency, employment, or fiduciary relationship between you and Sovra.

Force majeure. Sovra will not be liable for any delay or failure to perform resulting from causes outside its reasonable control, including acts of God, natural disasters, public health emergencies, war, terrorism, civil unrest, government actions, labor disputes, or interruptions in telecommunications, internet services, or other utilities.

Electronic communications and notices. By using the Service, you consent to receive communications from us electronically (including by email and SMS), and you agree that all agreements, notices, disclosures, and other communications we provide electronically satisfy any legal requirement that such communications be in writing. You may withdraw this consent for non-essential communications by following the opt-out instructions in the relevant message; however, withdrawal of consent for essential Service-related communications may require us to terminate your access to the Service. We may provide notice to you by email to the address you have provided, by SMS to the number you have provided, or by posting on our website.

Compliance with laws. You represent and warrant that your use of the Service will comply with all applicable laws, regulations, and rules. You are responsible for determining whether your use of the Service is permitted in your jurisdiction.

Modifications. We may update these Terms from time to time to reflect changes in our practices, technology, legal requirements, or other factors. When we make material changes, we will update the "Last updated" date at the top of these Terms and, where appropriate, provide additional notice (such as by email or by a prominent notice on our website) before the changes take effect. Your continued use of the Service after the effective date of any updated Terms constitutes your acceptance of the updated Terms. If you do not agree to the updated Terms, you must stop using the Service.

Headings. Section headings are provided for convenience only and have no legal or contractual effect.

Interpretation. The words "include," "includes," and "including" mean "include without limitation," "includes without limitation," and "including without limitation," respectively.

18Contact us

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