Terms and Conditions
Effective Date: 04/22/2026
Welcome to Caliber Coverage, a DBA of Raff Enterprises LLC (“Caliber Coverage,” “Company,” “we,” “our,” or “us”). By accessing or using this website, you agree to these Terms and Conditions.
If you do not agree to these Terms and Conditions, please do not use this website.
1. Use of Website
You agree to use this website only for lawful purposes. You agree not to:
- Violate any applicable law or regulation
- Interfere with or disrupt website functionality
- Attempt unauthorized access to any systems or data
- Use this website in a way that could damage, disable, or impair our services
2. No Insurance Binding or Professional Guarantee
Information provided on this website is for general informational purposes only and does not constitute:
- A binding insurance agreement
- A guarantee of coverage
- A guarantee of pricing, eligibility, or underwriting approval
- Legal, tax, or financial advice
Insurance coverage is subject to application review, underwriting approval, policy terms, and carrier rules. Coverage is not bound unless confirmed by a licensed agent and, where applicable, the insurance carrier.
3. Service Description
Caliber Coverage helps consumers request information, explore insurance options, connect with licensed insurance professionals, receive quote follow-up communications, schedule appointments, and receive related service and marketing communications where appropriate consent has been provided.
We do not guarantee that any user will receive:
- A quote
- Specific pricing
- Specific coverage terms
- Availability of any particular insurance product or carrier
4. Consent to Communications
By submitting your contact information through our website, forms, chat tools, scheduling tools, or other channels, you agree that Caliber Coverage may contact you by:
- Phone call
- Text message (SMS), including automated messages where permitted by law
These communications may include quote follow-ups, appointment reminders, service updates, requested information, and, where you have opted in, marketing or promotional communications.
Message frequency may vary. Message and data rates may apply.
You may opt out of SMS at any time by replying STOP.
You may request help by replying HELP or by contacting us using the contact information listed below.
You may unsubscribe from marketing emails by using the unsubscribe link provided in those messages.
Consent to receive marketing communications is not a condition of purchase.
5. SMS Program Terms
Program Name
Caliber Coverage Alerts
Program Description
By opting into our SMS program, you agree to receive text messages from Caliber Coverage related to:
- Quote follow-ups
- Appointment reminders
- Service updates
- Requested insurance-related information
- Occasional marketing or promotional offers, where you have opted in to receive them
Message Frequency
Message frequency varies based on your interaction with us.
Fees
Message and data rates may apply.
Opt-Out
You can cancel SMS communications at any time by replying STOP to any message. After you send STOP, you may receive one final confirmation message confirming that you have been unsubscribed.
Help
For assistance, reply HELP to any message or contact us at [email protected].
Carrier Disclaimer
Carriers are not liable for delayed or undelivered messages.
Re-Enrolling
To rejoin, you may submit a new form and provide fresh consent to receive SMS communications from us.
For more information on how we collect, use, and protect personal information, please review our Privacy Policy:
https://privacypolicy.calibercoverage.com/
6. User Responsibilities
You agree that:
- Information you provide is accurate and complete to the best of your knowledge
- You are responsible for updating inaccurate information
- You will not misuse this website or our communications systems
- You will not impersonate another person or submit false information
7. Intellectual Property
All website content, including text, branding, graphics, layout, and other materials, is owned by or licensed to Caliber Coverage and is protected by applicable intellectual property laws. You may not copy, reproduce, distribute, or exploit website content without prior written permission, except as allowed by law.
8. Third-Party Services
We may use third-party platforms, vendors, and service providers to support our operations, including hosting, messaging, scheduling, analytics, and customer management tools. We are not responsible for the independent policies or actions of those third parties.
9. Disclaimer of Warranties
This website is provided on an “as is” and “as available” basis without warranties of any kind, express or implied, to the fullest extent permitted by law.
10. Limitation of Liability
To the fullest extent permitted by law, Caliber Coverage shall not be liable for any indirect, incidental, consequential, special, or punitive damages, or for any loss of profits, data, use, or goodwill arising out of or related to:
- Your use of or inability to use the website
- Errors or omissions on the website
- Delays or failures in communication delivery
- Outcomes related to insurance quotes, underwriting, or coverage decisions
11. Dispute Resolution
Any dispute arising out of or relating to these Terms and Conditions or your use of the website shall be resolved through binding arbitration in Utah, except where prohibited by law. You agree to waive any right to participate in a class action lawsuit or class-wide arbitration to the extent permitted by law.
12. Governing Law
These Terms and Conditions are governed by the laws of the State of Utah, without regard to conflict-of-law principles.
13. Changes to These Terms
We may update these Terms and Conditions at any time. Any updated version will be posted on this page with a revised effective date. Your continued use of the website after changes are posted constitutes your acceptance of those changes.
14. Contact Information
Raff Enterprises LLC
DBA Caliber Coverage
848 N 300 E
Orem, UT 84057
Email: [email protected]
Website: https://calibercoverage.com
Privacy Policy: https://privacypolicy.calibercoverage.com/
Terms and Conditions: https://termsandconditions.calibercoverage.com/