CaliCovered — a brand of Neema Hamadani Insurance Agency Inc.

California Insurance License #0I19367

Effective date: June 13, 2026

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1. Acceptance of These Terms

These Terms of Use ("Terms") govern your use of calicovered.com and its subdomains and any related forms, surveys, calls, or messages (the "Services"), operated by Neema Hamadani Insurance Agency Inc. (dba CaliCovered, CA License #0I19367) ("we," "us," "our"). By using the Services, you agree to these Terms and to our Privacy Policy. If you do not agree, do not use the Services.

2. What We Do — and What This Site Is Not

We are a licensed California insurance agency. The Services let you request information and quotes and connect with us about insurance. Using the Services does not create an insurance policy, bind coverage, or guarantee that any coverage, rate, discount, or eligibility will be available to you. Any quote is an estimate based on the information provided and is subject to carrier underwriting, verification, and acceptance. Coverage exists only when issued by an insurer and confirmed in writing.

Nothing on the Services is an offer or solicitation of insurance in any jurisdiction where we are not licensed.

3. Not Legal, Financial, or Tax Advice

Information provided through the Services is general and for your convenience. It is not legal, financial, or tax advice. Insurance decisions depend on your specific circumstances; review policy documents and consult appropriate professionals before relying on any information here.

4. Eligibility

You must be at least 18 years old and a resident of an area we serve to use the Services. By using them, you represent that you meet these requirements and that the information you provide is accurate, current, and complete. Quotes and eligibility depend on the accuracy of your information; inaccuracies may change or void a quote.

5. Communications Consent

By submitting a form and providing your contact information, you consent to be contacted as described in our Privacy Policy and in the consent language on the form — including by phone, email, and SMS/text, which may use automated technology. Consent is not a condition of purchase. You may opt out of texts by replying STOP and out of marketing emails via the unsubscribe link. Standard message and data rates may apply.

Call recording: we may record or monitor calls for quality, training, and compliance. California is a two-party-consent state; where required, we will notify you at the start of a call.

6. Third-Party Products, Programs, and Links

Some coverage programs may require or offer products or services from third parties — for example, a smart water-shutoff device program that may be a condition of eligibility for certain home coverage and may carry its own cost and installation. We do not manufacture, sell, install, warranty, or control those third-party products or services, and we are not responsible for them, their pricing, their availability, or the practices of third-party websites we link to. Your dealings with any third party are solely between you and that third party.

7. Your Responsibilities

You agree to: provide accurate and truthful information; use the Services only for lawful purposes and your own genuine insurance inquiry; not submit another person's information without authorization; and not attempt to disrupt, scrape, or gain unauthorized access to the Services.

8. Intellectual Property

The Services, including text, design, logos, and the CaliCovered name, are owned by or licensed to us and protected by applicable law. You may not copy, reproduce, or use them without our written permission, except for your own personal, non-commercial use of the site.

9. Disclaimers

THE SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICES WILL BE UNINTERRUPTED, ERROR-FREE, OR SECURE, OR THAT ANY QUOTE, RATE, DISCOUNT, OR COVERAGE WILL BE AVAILABLE.

10. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW, NEEMA HAMADANI INSURANCE AGENCY INC. AND ITS OWNERS, EMPLOYEES, AND AGENTS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR FOR LOST PROFITS OR DATA, ARISING FROM OR RELATED TO YOUR USE OF THE SERVICES, EVEN IF ADVISED OF THE POSSIBILITY. NOTHING IN THESE TERMS LIMITS LIABILITY THAT CANNOT BE LIMITED UNDER APPLICABLE LAW, AND NOTHING HERE AFFECTS THE TERMS OF ANY INSURANCE POLICY ACTUALLY ISSUED TO YOU, WHICH GOVERN THAT COVERAGE.

11. Indemnification

You agree to indemnify and hold us harmless from claims, losses, and expenses (including reasonable attorneys' fees) arising from your misuse of the Services or violation of these Terms or applicable law.

12. Governing Law, Dispute Resolution, and Binding Arbitration

12.1 Governing law. These Terms are governed by the laws of the State of California, without regard to conflict-of-laws rules. The Federal Arbitration Act ("FAA") governs the interpretation and enforcement of the arbitration provisions in this Section.

12.2 Informal resolution first (required). Before starting an arbitration, the complaining party must first send the other a written, individualized Notice of Dispute describing the specific claim and the relief sought, and give the other party 60 days to resolve it. Send notices to us at [email protected]. A Notice of Dispute must be individual to you; mass-produced, templated, or consolidated notices submitted on behalf of multiple people do not satisfy this requirement, and the 60-day period does not begin until a compliant individual notice is received. The party receiving a notice may request an individual telephone settlement conference, which the other party will attend in good faith. This pre-arbitration process is a condition precedent to commencing arbitration.

12.3 Binding individual arbitration. If a dispute is not resolved within 60 days of a compliant Notice of Dispute, YOU AND WE AGREE THAT ANY DISPUTE, CLAIM, OR CONTROVERSY ARISING OUT OF OR RELATING TO THESE TERMS OR THE SERVICES — INCLUDING THE COMMUNICATIONS YOU RECEIVE FROM US — WILL BE RESOLVED BY FINAL AND BINDING INDIVIDUAL ARBITRATION, AND NOT IN COURT, EXCEPT AS PROVIDED IN SECTION 12.7. Questions about the formation, scope, interpretation, and enforceability of this arbitration agreement are delegated to the arbitrator, except that a court decides the enforceability of the Class Action Waiver in Section 12.4.

The arbitration will be administered by the American Arbitration Association ("AAA") under its consumer arbitration rules in effect at the time, as modified by this Section. The arbitration will take place in Los Angeles County, California, or — at your choice — by video, telephone, or written submissions only. The arbitrator may award the same individual relief a court could, and the award may be entered as a judgment in any court of competent jurisdiction.

12.4 CLASS ACTION, COLLECTIVE, AND JURY-TRIAL WAIVER. YOU AND WE AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN AN INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, COLLECTIVE, CONSOLIDATED, PRIVATE-ATTORNEY-GENERAL, OR OTHER REPRESENTATIVE PROCEEDING. THE ARBITRATOR MAY NOT CONSOLIDATE OR JOIN MORE THAN ONE PERSON'S CLAIMS AND MAY NOT PRESIDE OVER ANY CONSOLIDATED, CLASS, OR REPRESENTATIVE PROCEEDING, EXCEPT AS PROVIDED IN THE BATCHING PROCEDURE BELOW. YOU AND WE ALSO WAIVE ANY RIGHT TO A JURY TRIAL.

12.5 Mass-filing / batching procedure. If 25 or more similar Notices of Dispute or arbitration demands are submitted by or with the coordination of the same or coordinated counsel within a 90-day period, the parties agree these are "Mass Filings" and will be administered in sequential batches of no more than [50] cases at a time: a first batch of bellwether cases is arbitrated, after which the parties will mediate the remaining cases in good faith before any further batches proceed. Arbitrator and filing fees for cases not yet in an active batch are not incurred until those cases are actually assigned to a batch. This procedure is intended to manage cost and efficiency for both sides; any statute-of-limitations period is tolled for unfiled cases during batching.

12.6 Fees and costs. The administrator's consumer fee schedule governs payment of filing and arbitrator fees, which generally shifts most such fees to the business for individual consumer claims. Each party otherwise bears its own attorneys' fees and costs, except that the arbitrator may award fees and costs where authorized by an applicable statute or these Terms.

12.7 Opt-out. You may reject this arbitration agreement by sending a written opt-out notice to [email protected] within 30 days of the date you first accept these Terms, stating your name, the email/phone you used, and a clear statement that you opt out of arbitration. A valid opt-out affects only the arbitration provisions; all other Terms continue to apply, and disputes would then proceed in the courts identified in Section 12.8.

12.8 Carve-outs (claims not subject to arbitration). Notwithstanding the above, either party may: (a) bring an individual claim in small-claims court if it qualifies; and (b) seek injunctive or other equitable relief in the state or federal courts located in Los Angeles County, California — the Superior Court of California, County of Los Angeles, or the U.S. District Court for the Central District of California — to protect intellectual property or to stop unauthorized access to or misuse of the Services. The parties consent to personal jurisdiction and venue in those courts for these matters and for any action to enforce an arbitration award. To the extent a claim seeks public injunctive relief that cannot be waived or compelled to arbitration under California law, that specific request may be litigated in those courts after all other claims have been arbitrated; the rest of this Section still applies.

12.9 Severability and survival. If the Class Action Waiver in Section 12.4 is found unenforceable as to a particular claim, that claim alone will be severed and decided by the courts in Section 12.8, while all remaining claims proceed in arbitration. If any other provision of this Section is found unenforceable, it will be severed and the remainder will stay in effect. This Section survives termination of these Terms and your use of the Services.

13. Changes to These Terms

We may update these Terms from time to time. The "Effective date" reflects the latest version, and continued use of the Services after changes means you accept them.

14. Contact Us

Neema Hamadani Insurance Agency Inc. (dba CaliCovered)

CA License #0I19367

1917 1/2 Westwood Blvd #2, Los Angeles, CA 90025

323-310-1792 · [email protected]