Terms of Use

Last updated: October 12, 2026

These Terms of Use ("Terms") apply to your use of this website operated by Clever Coverages ("we", "us", "our"). By using this website or calling a number shown on it, you agree to these Terms. If you do not agree, please do not use this website.

1. What we do

Clever Coverages is a marketing and referral service. We provide general information and connect consumers by phone with independent third-party companies that offer debt relief and other financial services. We are not a lender, debt settlement company, credit counselor, law firm or government agency, and we do not provide debt relief services ourselves.

2. No guarantee

Using this website or calling a number shown on it does not guarantee that you will qualify for any program, receive any specific amount of debt reduction, or receive any service. Words such as "qualify" or "pre-qualified" refer only to an initial screening based on your answers; final eligibility is decided by the third-party company after reviewing your situation. Amounts such as "up to $10,000" are the maximum shown for illustration and are not typical or promised results.

3. Third-party companies

Any program or agreement you choose to enter is between you and the third-party company. We are not responsible for their services, fees, advice or conduct. Please review their terms, fees and disclosures carefully before agreeing to anything.

4. Compensation

We may receive payment from third-party companies when you call them through this website. This compensation may influence which companies you are connected with. It does not cost you anything extra to call.

5. Calls

When you call a number shown on this website, your call may be routed to a third-party company and may be recorded and monitored for quality, training and compliance purposes. By calling, you consent to this.

6. Eligibility

This website is intended for adults 18 years and older who live in the United States. Services may not be available in all states.

7. Not professional advice

Content on this website is for general information only and is not legal, tax, credit or financial advice. Please speak with a qualified professional about your situation.

8. Acceptable use

You agree not to misuse this website, including by interfering with its operation, attempting to access it in unauthorized ways, or using it for any unlawful purpose.

9. Intellectual property

The content and design of this website belong to Clever Coverages or its licensors and may not be copied without permission.

10. Disclaimer of warranties and limitation of liability

This website is provided "as is" without warranties of any kind. To the fullest extent allowed by law, Clever Coverages is not liable for any indirect, incidental or consequential damages arising from your use of this website or from any service provided by a third-party company.

11. Changes

We may change these Terms at any time. The "Last updated" date above shows when they were last changed. Continued use of the website means you accept the updated Terms.

12. Contact

Questions about these Terms: support@clevercoverages.com