1. About This Website
Covered Creatives (coveredcreatives.com, the “Site”) is an independent, editorially-run publication providing general information about business insurance for makers, sellers, and wedding vendors. The Site is not a licensed insurance agency, broker, or advisor. For inquiries, use our Contact page.
2. Acceptance of Terms
By accessing or using this Site, you agree to be bound by these Terms of Use. If you do not agree, please do not use the Site. We may update these Terms at any time; continued use of the Site after changes are posted constitutes acceptance of the revised Terms.
3. No Professional Advice
This is important: nothing on this Site constitutes insurance, legal, financial, or professional advice. Content is researched and written using publicly available sources and official platform guidance, for general informational purposes only. Insurance requirements, coverage, costs, and regulations vary by state, country, insurer, and individual circumstances, and change over time. Always confirm current details and get personalized guidance from a licensed insurance agent, broker, attorney, or accountant before making any decision. We are not liable for actions taken based on information found on this Site.
4. Intellectual Property
All content on this Site — including text, graphics, logos, and images — is owned by Covered Creatives or its licensors and is protected by copyright and other intellectual property laws, unless otherwise credited. You may view, print, or save pages from the Site for personal, non-commercial use only. Reproduction, redistribution, or commercial use of our content without prior written permission is prohibited.
5. Advertising
This Site displays advertisements served by Google AdSense and may work with other third-party advertising networks. Ads are served automatically and are not personally endorsed by Covered Creatives. Advertisers and ad networks may use cookies to serve relevant ads; see our Privacy Policy for details and opt-out options. We are not responsible for the content, products, or services offered in third-party advertisements.
6. Third-Party Links
This Site may link to third-party websites (including insurance providers) for your convenience. We do not control, endorse, or take responsibility for the content, accuracy, or practices of any linked third-party site. Links do not imply any affiliation or partnership unless explicitly stated.
7. User Conduct
If the Site offers any interactive features (such as comments), you agree not to post content that is unlawful, defamatory, harassing, discriminatory, obscene, or infringes on the rights of others. We reserve the right to remove any content that violates these Terms, at our sole discretion, without notice.
8. Disclaimer of Warranties
The Site and its content are provided “as is” and “as available,” without warranties of any kind, express or implied, including but not limited to warranties of accuracy, completeness, or fitness for a particular purpose. We do not guarantee that the Site will be uninterrupted, secure, or error-free.
9. Limitation of Liability
To the fullest extent permitted by law, Covered Creatives shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from your use of, or inability to use, the Site or its content, including reliance on any information provided.
10. Governing Law
These Terms are governed by the laws of Spain, without regard to conflict-of-law principles. This does not deprive consumers in other jurisdictions of any mandatory protections available to them under their own local law.
11. Severability
If any provision of these Terms is found unenforceable, the remaining provisions will remain in full force and effect.
12. Contact
Questions about these Terms can be sent via our Contact page.