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    Terms of Service

    Last updated: March 23, 2026 · cobracalculator.com

    These Terms of Service ("Terms") govern your access to and use of the website located at cobracalculator.com (the "Site") and the COBRA cost estimation tools and related content we provide (collectively, the "Services"). By accessing or using the Services, you agree to these Terms. If you do not agree, do not use the Site.

    1. Who we are

    The Site is operated in connection with CobraCalculator.com. References to "we," "us," or "our" mean the operator of the Site.

    2. Informational tool only

    The Services provide general estimates and educational information related to potential COBRA continuation coverage costs. Results depend on the inputs you provide and standard assumptions. The Services do not constitute legal, tax, financial, insurance, or medical advice, and are not a substitute for your plan documents, summary plan description, COBRA notice, or advice from a qualified professional. Actual premiums, eligibility, and timelines may differ based on your employer's plan, applicable federal or state law, collective bargaining agreements, and other factors.

    3. No guarantee

    We strive to present accurate, up-to-date information, but we do not warrant that the Site or any estimate is complete, reliable, or error-free. You use the Services at your own risk.

    4. Acceptable use

    You agree not to:

    • Use the Site in any way that violates applicable law or infringes others' rights;
    • Attempt to gain unauthorized access to our systems, other users, or third-party services;
    • Interfere with or disrupt the Site (including by transmitting malware or excessive automated requests);
    • Scrape, harvest, or systematically collect content from the Site without our prior written consent.

    5. Intellectual property

    The Site's design, text, graphics, logos, and software are owned by us or our licensors and are protected by intellectual property laws. You may view and use the Services for personal, non-commercial purposes. You may not copy, modify, distribute, or create derivative works from our materials without permission, except as allowed by law.

    6. Third-party links and services

    The Site may link to third-party websites (for example, government or insurer resources). We do not control and are not responsible for third-party content, policies, or practices. Links do not imply endorsement.

    7. Advertising

    The Site may display advertisements provided by third parties (for example, Google). Advertisers may use cookies or similar technologies as described in our Privacy Policy.

    8. Limitation of liability

    To the fullest extent permitted by law, we and our affiliates will not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits, data, goodwill, or other intangible losses, arising out of or related to your use of the Services. Our total liability for any claim arising from these Terms or the Services is limited to the greater of (a) the amount you paid us to use the Services in the twelve months before the claim (if any) or (b) fifty U.S. dollars (USD $50).

    Some jurisdictions do not allow certain limitations; in those jurisdictions, our liability is limited to the maximum extent permitted by law.

    9. Disclaimer of warranties

    The Services are provided "as is" and "as available," without warranties of any kind, whether express or implied, including implied warranties of merchantability, fitness for a particular purpose, and non-infringement.

    10. Indemnity

    You agree to defend, indemnify, and hold harmless us and our affiliates from any claims, damages, losses, liabilities, and expenses (including reasonable attorneys' fees) arising from your use of the Services, your violation of these Terms, or your violation of any third-party rights.

    11. Changes

    We may modify these Terms at any time. We will post the updated Terms on this page and update the "Last updated" date. Continued use after changes constitutes acceptance. If you do not agree, stop using the Site.

    12. Governing law

    These Terms are governed by the laws of the United States and the state in which the Site operator is established, without regard to conflict-of-law principles, except where prohibited by your local law.

    13. Contact

    For questions about these Terms, email us at cobracalculator@gmail.com.