Terms of Service

Effective date: August 2026 | Last updated: August 2026 Version: 4.0

PLEASE READ THESE TERMS OF SERVICE ("TERMS") CAREFULLY BEFORE USING COVERAGEWON.COM OR PURCHASING ANY PRODUCT. BY ACCESSING THIS WEBSITE OR COMPLETING A PURCHASE, YOU AGREE TO BE BOUND BY THESE TERMS IN THEIR ENTIRETY.

IF YOU DO NOT AGREE TO THESE TERMS, DO NOT USE THIS WEBSITE OR PURCHASE ANY PRODUCT.

1. Parties and Agreement

These Terms constitute a legally binding agreement between:

You: The individual accessing coveragewon.com or purchasing our products Us: CoverageWon, a digital education business operating at coveragewon.com, located in Casablanca, Morocco (support@coveragewon.com)

2. Our Products and Services

2.1 Products

CoverageWon creates and sells digital educational documents ("Products") including:

Product Format Individual Price
Denial Decoder Guide PDF $29
The Appeal Letter Playbook PDF $47
The Appeal Command Center PDF $39
The Documentation Shield PDF $29
Know Your Rights: The Complete Patient Rights Handbook PDF $29
The CoverageWon Complete Appeal System™ (all 5) Bundle PDF $97

All Products are digital and delivered via download link. No physical goods are shipped.

2.2 Educational Purpose Only

ALL PRODUCTS ARE FOR EDUCATIONAL AND INFORMATIONAL PURPOSES ONLY.

Our Products are designed to help users understand the health insurance appeal process. They are not professional services of any kind.

3. IMPORTANT DISCLAIMERS — NOT PROFESSIONAL ADVICE

3.1 Not Legal Advice

CoverageWon is NOT a law firm. Our Products do NOT constitute legal advice, legal services, or legal representation. Use of our Products does NOT create any attorney-client relationship.

3.2 Not Medical Advice

Our Products do NOT constitute medical advice, medical opinion, diagnosis, or treatment recommendation.

3.3 Not Insurance Advice

Our Products do NOT constitute insurance advice, insurance brokerage, or insurance consulting. We are NOT licensed insurance professionals.

3.4 No Professional Relationship

Use of our Products does NOT create any professional relationship between you and CoverageWon of any kind.

3.5 No Guarantee of Outcome

WE MAKE NO REPRESENTATION, WARRANTY, OR GUARANTEE THAT USE OF OUR PRODUCTS WILL RESULT IN A SUCCESSFUL INSURANCE APPEAL, PAYMENT OF ANY CLAIM, OR ANY OTHER SPECIFIC OUTCOME.

Appeal results depend on factors entirely outside our control, including but not limited to: your specific insurance plan, denial reason, state law, documentation quality, and your insurer's internal processes.

4. Payment — Paddle as Merchant of Record

4.1 Payment Processor and Merchant of Record

All payments on coveragewon.com are processed by Paddle.com as the Merchant of Record.

This means:

  • Your payment contract is legally with Paddle, not CoverageWon directly
  • Paddle charges your payment method and issues your official receipt
  • Paddle collects and remits all applicable taxes (VAT, GST, US sales tax) automatically
  • Paddle is PCI DSS Level 1 certified — the highest standard for payment security
  • CoverageWon never receives, stores, or sees your payment card number or CVV
  • Your receipt will show "Paddle.com" as the billing descriptor

4.2 Paddle's Terms

Your purchase is also subject to Paddle's Terms of Service: https://paddle.com/legal/terms In the event of conflict between Paddle's payment terms and ours, Paddle's terms govern payment matters.

4.3 Pricing

All prices are displayed in US Dollars (USD). Paddle automatically calculates and collects applicable taxes at checkout where required by law. Prices are subject to change without notice, but the price at the time of your order is honored.

5. Digital Product Delivery

5.1 Delivery Method

After Paddle confirms your payment, you will receive a download link at the email address you provided at checkout.

5.2 Delivery Timeline

Download links are typically sent within minutes of purchase. If you do not receive your link within 1 hour:

  1. Check your spam or junk folder
  2. Email support@coveragewon.com with your order number

5.3 Download Link Validity

Download links are valid for 30 days from the date of purchase. If your link expires before you access your files, contact us and we will provide a new link.

5.4 Your Responsibility

You are responsible for providing a valid, accessible email address at checkout. CoverageWon is not responsible for non-delivery caused by an incorrect email address provided by you.

6. Refund and Return Policy

6.1 General Policy — 30-Day Refund Guarantee

CoverageWon offers a 30-day refund guarantee on all purchases. If you are not satisfied with your purchase for any reason, you may request a full refund within 30 days of your purchase date — no questions asked.

6.2 Refund Eligibility

We will issue a full refund if:

  • You request a refund within 30 days of your purchase date, for any reason
  • You did not receive your download link within 24 hours due to a technical error on our part
  • Your download link was non-functional or expired before first access
  • You were charged more than once for the same order

To request a refund, email support@coveragewon.com within 30 days of purchase with your Paddle order number and the email address used for purchase.

6.3 Non-Refundable Circumstances

We do NOT issue refunds for:

  • Requests submitted more than 30 days after purchase
  • Failure to provide a valid email address at checkout (preventing delivery)
  • Expectation of a specific appeal outcome (no product can guarantee results)

6.4 Chargebacks and Paddle Disputes

Before opening a Paddle dispute or bank chargeback, please contact us at support@coveragewon.com. We resolve all legitimate issues within our 30-day refund window — promptly and directly.

If you initiate a Paddle dispute or chargeback without first contacting us, we reserve the right to:

  • Respond to and contest the dispute through Paddle's Resolution Center with full delivery documentation
  • Suspend access to any future purchases
  • Report fraudulent chargeback activity to appropriate authorities

Our 30-day refund policy exists so you never need to open a dispute — simply email us.

7. Intellectual Property and License

7.1 Ownership

All content on coveragewon.com and within our Products — including but not limited to text, frameworks, letter structures, checklists, organizational systems, design, layout, and branding — is the exclusive intellectual property of CoverageWon, protected by applicable copyright, trademark, and intellectual property laws.

7.2 Limited Personal License

Upon purchase, CoverageWon grants you a limited, personal, non-exclusive, non-transferable, non-sublicensable license to use the purchased Product(s) for your own personal, non-commercial insurance appeal purposes.

7.3 Prohibited Uses

You expressly may NOT:

  • Resell, redistribute, sublicense, or share our Products with any third party
  • Publish, reproduce, or republish our content on any website, platform, or medium
  • Use our Products to create, develop, or train competing products or services
  • Use our Products for commercial purposes, including client services
  • Remove, alter, or obscure any copyright, trademark, or proprietary notices
  • Use our Products in any AI training dataset or model training process
  • Share our Products on file-sharing platforms or social media

Violation of this license may result in legal action, including claims for damages.

8. Prohibited Conduct

You agree not to use coveragewon.com or our Products to:

  • Violate any applicable law or regulation
  • Engage in fraudulent activity
  • Attempt to gain unauthorized access to our systems
  • Transmit malware, spam, or harmful code
  • Interfere with the proper functioning of our website
  • Impersonate CoverageWon or misrepresent our content

9. Disclaimer of Warranties

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW:

OUR WEBSITE AND PRODUCTS ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT ANY WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED.

WE EXPRESSLY DISCLAIM ALL WARRANTIES INCLUDING:

  • WARRANTIES OF MERCHANTABILITY
  • FITNESS FOR A PARTICULAR PURPOSE
  • NON-INFRINGEMENT
  • ACCURACY OR COMPLETENESS OF INFORMATION
  • UNINTERRUPTED OR ERROR-FREE SERVICE

10. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW:

IN NO EVENT SHALL COVERAGEWON, ITS OWNERS, EMPLOYEES, OR AFFILIATES BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO:

  • LOSS OF REVENUE OR PROFITS
  • LOSS OF AN INSURANCE CLAIM OR APPEAL
  • MEDICAL COSTS OR EXPENSES
  • EMOTIONAL DISTRESS
  • DATA LOSS

ARISING FROM YOUR USE OF OR INABILITY TO USE OUR WEBSITE OR PRODUCTS, REGARDLESS OF THE CAUSE OR THEORY OF LIABILITY.

OUR TOTAL LIABILITY TO YOU FOR ANY AND ALL CLAIMS ARISING OUT OF OR RELATED TO THESE TERMS OR OUR PRODUCTS SHALL NOT EXCEED THE TOTAL AMOUNT YOU PAID TO COVERAGEWON FOR THE PRODUCT GIVING RISE TO THE CLAIM.

11. Indemnification

You agree to indemnify, defend, and hold harmless CoverageWon and its owners, employees, and affiliates from and against any claims, liabilities, damages, losses, and expenses (including reasonable legal fees) arising out of or relating to:

  • Your violation of these Terms
  • Your use or misuse of our Products
  • Your violation of any third-party rights
  • Any claim that your use of our Products caused harm to a third party

12. Dispute Resolution

12.1 Informal Resolution First

Before initiating any formal dispute, you agree to contact us at support@coveragewon.com to attempt to resolve the issue informally. We will make good-faith efforts to resolve disputes within 30 days.

12.2 Governing Law

These Terms are governed by and construed in accordance with applicable international commercial law. For EU consumers, mandatory consumer protection provisions of your country of residence apply and are not excluded by these Terms.

12.3 Class Action Waiver

TO THE EXTENT PERMITTED BY LAW, YOU AGREE THAT ANY DISPUTE WILL BE RESOLVED ON AN INDIVIDUAL BASIS ONLY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY CLASS, COLLECTIVE, OR REPRESENTATIVE ACTION.

13. Force Majeure

CoverageWon shall not be liable for any failure or delay in performance due to circumstances beyond our reasonable control, including natural disasters, internet outages, platform failures, or government actions.

14. Modifications

We reserve the right to modify these Terms at any time. Material changes will be posted with an updated effective date. Continued use of our website or Products after the effective date constitutes acceptance. For significant changes, we will provide advance notice where required by law.

15. Severability

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions continue in full force and effect.

16. Entire Agreement

These Terms, together with our Privacy Policy, Refund Policy, and Disclaimer, constitute the entire agreement between you and CoverageWon regarding your use of our website and Products.

17. Contact

Email: support@coveragewon.com Response time: 2 business days Website: coveragewon.com