By accessing or using COI Tracker ("Service," "we," "us," or "our"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, do not use the Service. These Terms apply to all users, including business administrators and any contractors who interact with the Service through a shared upload link.
COI Tracker is a web-based certificate of insurance (COI) tracking and management platform built for small and medium businesses. The Service allows businesses to collect, store, organize, and monitor contractor insurance certificates, and to receive automated expiration alerts.
COI Tracker is a document management and notification tool only. It does not provide insurance services, verify the adequacy or accuracy of any insurance coverage, or constitute legal or insurance advice of any kind. See Section 9 for our full disclaimer.
To access the Service, you must complete a paid subscription and finish the onboarding process to create an account. You are responsible for maintaining the confidentiality of your login credentials and for all activity that occurs under your account. You must provide accurate, current, and complete information during registration and keep your account information updated.
Each paid subscription covers one business account. Sharing login credentials with multiple unaffiliated organizations is not permitted.
Monthly Plan ($109/month): Billed automatically each month on the anniversary of your subscription start date. You may cancel at any time; cancellation takes effect at the end of the current billing period.
Annual Plan ($1,099/year): Billed upfront for the full year at the time of purchase. The subscription renews automatically each year unless cancelled before the renewal date.
All payments are processed securely by Stripe. COI Tracker does not store your credit card information. You authorize us to charge your payment method on the applicable billing schedule.
If a payment fails, we will notify you and may suspend access to the Service until payment is resolved. Continued non-payment may result in account termination.
Monthly Plan: Monthly subscriptions are non-refundable. You may cancel at any time to prevent future charges; your access continues through the end of the paid period.
Annual Plan — 30-Day Money-Back Guarantee: If you cancel within 30 days of your initial annual purchase, you are entitled to a full refund of $1,099.
Annual Plan — Pro-Rated Refunds After 30 Days: After the 30-day guarantee period, annual subscribers who cancel are eligible for a partial refund based on 50% of the unused months remaining in the subscription year, calculated at the annual per-month rate of $91.58.
| Cancellation Timing | Months Remaining | Approximate Refund |
|---|---|---|
| Within 30 days of purchase | — | $1,099 (full refund) |
| After month 3 | 9 months remaining | ~$412 |
| After month 6 | 6 months remaining | ~$275 |
| After month 9 | 3 months remaining | ~$137 |
| After month 9 (more than 9 months used) | — | No refund |
Refund amounts are approximate and based on the formula: (months remaining) × $91.58 × 50%. Refunds are processed to the original payment method within 5–10 business days. To request a refund, contact us at [email protected].
You agree to use the Service only for lawful purposes and in accordance with these Terms. You agree not to:
We reserve the right to suspend or terminate accounts that violate these Terms without prior notice.
You retain full ownership of all data, documents, and content you upload to the Service ("Your Content"). COI Tracker does not claim any intellectual property rights over Your Content. By uploading content, you grant us a limited license to store, process, and display Your Content solely as necessary to provide the Service.
You are responsible for ensuring you have the right to upload any documents or information submitted through the Service, including contractor-provided insurance certificates.
To the maximum extent permitted by applicable law, COI Tracker's total liability to you for any claim arising from or related to the Service shall not exceed the total amount you paid us in the twelve (12) months immediately preceding the claim.
In no event shall COI Tracker be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, loss of data, or business interruption, even if we have been advised of the possibility of such damages.
THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED.
COI Tracker is a document collection and tracking tool. We do not verify, validate, or guarantee the accuracy, completeness, or legal adequacy of any insurance certificate uploaded to the platform. We do not confirm whether a contractor's coverage meets any particular legal, contractual, or regulatory requirement.
The use of COI Tracker does not constitute and should not be relied upon as legal advice, insurance advice, or risk management guidance. You should consult a qualified attorney or insurance professional for advice specific to your situation.
Expiration alerts are provided as a convenience and are not guaranteed to be delivered on any particular schedule. You are solely responsible for maintaining adequate insurance coverage requirements with your contractors.
We strive to maintain high availability of the Service but do not guarantee uninterrupted or error-free access. We may perform maintenance, updates, or emergency repairs that temporarily affect availability. We are not liable for any loss or damage resulting from service interruptions.
By you: You may cancel your subscription at any time through the Manage Subscription feature in your dashboard or by contacting us at [email protected]. Upon cancellation, your access continues through the end of the paid period.
By us: We may suspend or terminate your account at any time, with or without notice, if we determine that you have violated these Terms, if your payment fails and remains unresolved, or if required by law. In the event we terminate your account without cause, we will provide a pro-rated refund for unused time remaining in your current billing period.
Upon termination, you may request a copy of your data within 30 days. After 90 days following account closure, your data may be permanently deleted.
We may update these Terms from time to time. When we make material changes, we will notify you by email at the address associated with your account at least 14 days before the changes take effect. Your continued use of the Service after the effective date of the updated Terms constitutes your acceptance of those changes.
These Terms are governed by and construed in accordance with the laws of the State of Texas, without regard to its conflict of law provisions. Any dispute arising from these Terms or your use of the Service shall be resolved in the state or federal courts located in Texas.
If you have questions about these Terms, please contact us: