Terms of Service

 Terms of Service

Effective Date: 12/1/2025

These Terms of Service (“Terms”) govern your access to and participation in the Race Day Coverage Program (“Program”) offered by EventOne Coverage (“Event Day Coverage,” “Race Day Coverage,” “we,” “us,” or “our”) through participating event organizers and registration platforms.

By accessing, enrolling in, activating, or otherwise participating in the Program, you agree to these Terms.

1. Program Overview

Race Day Coverage is an optional program offered in connection with eligible athletic or recreational event registrations. The Program facilitates access to certain coverage-related products or services offered by third-party insurance carriers and related insurance providers or administrative providers.

EventOne Coverage is not an insurance company and does not underwrite insurance policies, process or administer claims, adjust claims, or guarantee coverage determinations. Insurance coverage, if issued, is subject to the applicable policy terms, conditions, exclusions, limitations, and underwriting requirements established by the insurance carrier.

Participation in the Program is voluntary.

2. Eligibility

To participate in the Program, you must:

• Be at least 18 years of age, or have participation completed by a parent or      legal guardian; 
• Provide accurate and complete registration information; 
• Meet any eligibility requirements established by the participating event organizer or insurance carrier; and 
• Complete any required enrollment or activation steps. 

We reserve the right to deny, suspend, or terminate participation where information is inaccurate, incomplete, fraudulent, or otherwise violates these Terms or applicable law.

3. Insurance Coverage Disclaimer

Insurance coverage is not effective unless and until:

• Any required enrollment or activation steps are completed; 
• Required information is submitted; 
• Coverage is accepted and issued by the applicable insurance carrier; and 
• Any applicable policy requirements are satisfied. 

EventOne Coverage does not guarantee:

• approval of coverage, 
• claim payment, 
• eligibility,      
• policy issuance, 
• or availability of benefits. 

All insurance-related decisions, including coverage determinations and claims administration, are made solely by the applicable insurance carrier or its authorized claims administrators pursuant to the governing insurance policy.

4. Participant Responsibilities

You agree to:

• Provide truthful, current, and accurate information; 
• Maintain the confidentiality of any links or access credentials provided to you; 
• Use the Program only for lawful purposes; 
• Promptly update inaccurate information where applicable; and 
• Comply with all event organizer requirements and applicable laws. 

You may not:

• misuse the Program, 
• attempt unauthorized access, 
• interfere with Program operations, 
• submit fraudulent information or claims, 
• or use automated methods to access or interact with the Program without authorization. 

5. Communications and SMS Consent

By providing your email address or phone number in connection with event registration or Program participation, you consent to receive transactional communications from EventOne Coverage, participating insurance providers, and authorized service providers related to:

• coverage activation, 
• enrollment status, 
• policy issuance, 
• customer support, 
• event-related coverage communications, 
• and operational notifications. 

These communications may be delivered by:

• email,      
• telephone call, 
• SMS/text message, 
• automated dialing systems, 
• prerecorded or artificial voice technologies, 
• or other electronic communication methods where permitted by law. 

Message frequency may vary. Reply STOP to opt out or HELP for assistance.

Consent to receive transactional communications is not a condition of purchasing event registration or insurance coverage; however, certain communications may be necessary to activate coverage, administer the Program, or provide related services.

You may opt out of non-essential text messages at any time by replying STOP to a text message where applicable. Operational or legally required communications may still be sent as necessary for Program administration or insurance-related purposes.

Marketing Opt-in

Where participants separately opt in or otherwise provide legally sufficient consent, Race Day Coverage, participating insurance providers, and their authorized representatives may send promotional or marketing communications regarding insurance products, services, benefits, wellness programs, or related offerings.

Marketing communications may be delivered by email, telephone call, SMS/text message, automated dialing systems, prerecorded or artificial voice technologies, or other electronic methods permitted by law.

Consent to receive marketing communications is voluntary and is not a condition of purchasing any goods or services, event registration, insurance eligibility, or coverage activation. Participants may opt out of marketing communications at any time by following the unsubscribe instructions provided in the communication or, for SMS, by replying STOP where applicable.

Participants may opt out of marketing communications at any time by following the unsubscribe instructions provided in the communication or, for SMS, by replying STOP where applicable. Consent may be revoked at any time

6. Privacy

Your use of the Program is also governed by our Privacy Policy, which describes how information is collected, used, and shared in connection with the Program.

By participating in the Program, you acknowledge that your information may be shared with insurance carriers, insurance technology providers, communication providers, service providers, and participating event organizers as reasonably necessary to administer the Program.

7. Third-Party Services

The Program may involve third-party services, platforms, insurance carriers, registration providers, payment processors, communication providers, or websites that are not controlled by EventOne Coverage.

We are not responsible for:

• third-party systems, 
• third-party content, 
• coverage determinations, 
• claims processing or claims handling conducted by third parties, 
• service interruptions, 
• or the privacy or security practices of third parties. 

Your interactions with third parties are governed by their respective terms and policies.

8. Intellectual Property

All Program content, branding, trademarks, logos, software, workflows, and materials are owned by or licensed to EventOne Coverage and are protected by applicable intellectual property laws.

You may not reproduce, distribute, modify, reverse engineer, scrape, or commercially exploit any portion of the Program without prior written consent.

9. Disclaimer of Warranties

THE PROGRAM IS PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, EVENTONE COVERAGE DISCLAIMS ALL WARRANTIES, INCLUDING:

• MERCHANTABILITY,      
• FITNESS FOR A PARTICULAR PURPOSE, 
• NON-INFRINGEMENT,      
• ACCURACY,      
• AVAILABILITY,      
• AND UNINTERRUPTED OPERATION. 

We do not warrant that:

• the Program will be error-free, 
• communications will always be delivered, 
• coverage will be issued, 
• claims will be approved, 
• or systems will always remain available or secure. 

10. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, EVENTONE COVERAGE AND ITS OFFICERS, DIRECTORS, EMPLOYEES, CONTRACTORS, PARTNERS, SERVICE PROVIDERS, AND AFFILIATES SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES ARISING OUT OF OR RELATED TO:

• participation in the Program, 
• insurance coverage decisions, 
• claims decisions or claims handling conducted by third parties, 
• communication delays, 
• system interruptions, 
• loss of data, 
• event cancellation, 
• or third-party actions. 

OUR TOTAL LIABILITY FOR ANY CLAIM RELATING TO THE PROGRAM SHALL NOT EXCEED $100 USD OR THE AMOUNT PAID TO US DIRECTLY BY YOU, WHICHEVER IS GREATER.

Some jurisdictions do not allow certain limitations of liability, so portions of this section may not apply to you.

11. Indemnification

You agree to defend, indemnify, and hold harmless EventOne Coverage and its affiliates, officers, directors, employees, contractors, service providers, event partners, and insurance providers from and against any claims, damages, liabilities, losses, costs, or expenses arising out of:

• your violation of these Terms, 
• fraudulent or inaccurate information submitted by you, 
• misuse of the Program, 
• violation of law, 
• or infringement of third-party rights. 

12. Termination

We may suspend, restrict, or terminate access to the Program at any time, with or without notice, for conduct that violates these Terms, applicable law, carrier requirements, or operational policies.

Termination does not affect rights or obligations accrued prior to termination.

13. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of [STATE], without regard to conflict of law principles.

14. Dispute Resolution

Any dispute arising out of or relating to these Terms or the Program shall be resolved through binding arbitration on an individual basis, except where prohibited by law.

YOU WAIVE ANY RIGHT TO PARTICIPATE IN A CLASS ACTION OR REPRESENTATIVE PROCEEDING.

If arbitration is found unenforceable, disputes shall be resolved exclusively in the state or federal courts located in Maricopa County, Arizona..

15. Changes to These Terms

We may update these Terms from time to time. Updated versions will be posted with a revised Effective Date. Continued participation in the Program after changes become effective constitutes acceptance of the revised Terms.

16. Claims Disclaimer

EventOne Coverage does not receive, evaluate, approve, deny, investigate, or administer insurance claims. Claims are managed solely by the applicable insurance carrier or its authorized claims administrators pursuant to the governing policy terms.

17. Contact Information

Questions regarding these Terms may be directed to:

EventOne Coverage Email: events@eventdaycoverage.com