DEACTIVATION TERMS

This protection replaces a portion of income if your employee accounts are deactivated from any of the platforms for which you work. The payment is governed by the terms of this membership.

Terms with special meanings are defined. See the Definitions section of this Certificate. Other terms with special meanings are defined where they are used.

1. Benefit Provisions

1.1  How Payments Start For Deactivation Protection

To start getting payments from this membership, you must meet all of the conditions listed below, as well as elsewhere in this Certificate:

• Your membership is active
• Any of your accounts you work for are being deactivated
• You are deactivated due to a reason other than, low ratings, traffic collision, vehicle registration renewal failure and other background check failure(s), duplicate accounts, fraud, bad faith behaviors, hazardous behaviors, illegal or malicious activities, local government regulations or gig companies exiting your city or state
• The deactivation date is after the membership start date
• You must provide proof of deactivation, as defined in the payout provision section

1.2  When Payments Start For Deactivation Protection

Your benefits from this Certificate will start on the latest of the dates shown below:

• The date your membership starts
• The date your payout is approved
• The date you are deactivated

1.3  When Payments End For Temporary Deactivation

Your benefits from this Certificate will end on the earliest of the dates shown below:

• The date your maximum days of payout is met
• The date your weekly or monthly payment is not made
• The date you are officially reactivated

1.4  Daily Benefits For Temporary Deactivation

Your daily benefits are 80% of your Daily Income of the platform you are deactivated from

• Your benefit will be rounded to the nearest dollar.

1.5  You will not receive payment for deactivation protection if:

• You fail to provide any of the information required, as defined in the payout provision section
• You do not have any deactivated accounts
• You are being deactivated due to a traffic collision
• You are being deactivated due to vehicle registration renewal failure or other background check failure(s), low ratings, fraud, bad faith behaviors, hazardous behaviors, illegal or malicious activities
• You are being deactivated due to duplicate accounts
• You are being deactivated due to local government regulations or gig companies exiting your city or state
• You are permanently deactivated from the gig platform

2. Payout Provisions

You must request a payout through the Kover web portal. You cannot request a payout through email or text.

2.1  Proof of qualification

You must link all accounts you work with, such as Uber, Lyft, UberEats, Postmates, Instacart, DoorDash, Wonolo, Amazon Flex, Grubhub, Shipt, Deliv, or Caviar at the time of enrollment on the Kover website.  

2.2  Proof for deactivation protection

You must provide the following information to receive payment:

• A video explaining why you are deactivate
• A list of platform(s) that deactivated you
• Deactivation email sent to you from the platform(s)
• A bank account that supports ACH or wire transfer
• Any additional information requested by Kover

3. Other Exclusions

Aside from the exclusions stated in other sections of the certificate, your request will not be paid out in any of the following events:

• You are deactivated before your membership start date
• You did not link the gig account that deactivates you with Kover before the deactivation event
• You are being deactivated due to a traffic collision
• You are being deactivated due to illegal activities, fraud, bad faith behaviors, hazardous or malicious activities
• You are being deactivated due to vehicle registration renewal failure or other background check failure(s)  
• You are being deactivated due to duplicate accounts
• You are being deactivated due to local government regulations or gig companies shutting down and or exiting your city or state
• You are being temporarily deactivated due to weather conditions.
• You have been deactivated due to low ratings

4. Concealment or Fraud

If you or anyone acting on your behalf has intentionally concealed or misrepresented any information or circumstance that you had a responsibility to disclose, or engaged in any fraudulent conduct, or made any false statements relating to this membership:  

• Your membership will be voided in the event of any fraud which occurred during the onboarding process
• Your membership will immediately be terminated on the date that any fraud occurred during the period of membership 

and in either case:

• Any fraudulent request or a request which relates to a loss suffered after any fraudulent activity will not be paid
• Any money already paid out for requests which are later deemed invalid or fraudulent will be pursued for recovery
• Law enforcement, legal services, other financial services organizations and anti-fraud databases, as appropriate, will be informed

5. Right to Termination

Kover reserves the right to terminate any member’s account if the user does not follow user guidelines.

DEFINITIONS

1. Membership start date

Membership start date is the date your membership turns active and you receive your activation email. 

2. Daily Income

Daily Income is calculated based on the best consecutive 30 days out of the last 90 days. If you have less than 30 days of data, then the daily income is the average income you earned over the period that you work for the platform.

3. Maximum Days of Coverage

Maximum days of payouts is the maximum days you selected during the enrollment process.

4. Member

Member is defined as one individual named on the membership. The membership cannot be shared with or transferred to another individual.

5. Temporary Deactivation

Lasting for only a limited period of time; not permanent.