Clear terms.
No surprises.

Service provider

Covera is operated by Nicki Price Real Estate SL.

Tax ID (NIF): B21803580. Registered in the Registro Mercantil de Alicante, hoja A-197341, inscripción 1, IRUS 1000447778910.

What Covera does

Covera stores policies and documents locally, organises premiums and renewal dates, and offers informational checks for possible gaps or overlaps. You must check extracted details, dates and summaries against your original documents. Reminders depend on device settings and availability; maintain your own record of important deadlines.

Covera does not sell insurance, provide regulated insurance advice, bind an insurer or decide claims. Any summary or AI answer may be incomplete or incorrect. Your policy documents and insurer determine actual cover. Ask your insurer or a suitably qualified adviser before relying on a coverage interpretation.

There is no automatic cloud sync or household sharing. You are responsible for your device and exported backups. Only add documents you are entitled to use, and protect other people’s information.

Free and Plus

• Free web app: a local vault for up to five policies, with manual entry and local organisation.
• Native companion: unlimited local policy storage in the planned Apple and Android editions. It does not sell subscriptions inside the app.
• Plus: €3.99 per month when paid checkout is enabled, with unlimited web policies and optional online AI when available. Online AI is subject to service availability and reasonable usage limits.

Family subscriptions are not offered for new purchases. No household sharing or automatic synchronisation is included in Plus. Review the live plan screen and total at checkout before paying.

Recurring payments and cancellation

Enabled Plus subscriptions are purchased on Revolut’s hosted checkout. Confirming a subscription authorises the first monthly payment and recurring monthly payments until cancellation. The price and monthly recurrence are shown before confirmation. Covera does not receive your full card details.

Manage your subscription from the device that purchased it, or restore your saved recovery code or backup. Keep the recovery code private and accessible: an email address alone does not establish ownership.

Use Plans → Cancel subscription to stop future renewals. Access normally continues until the paid period ends. An overdue renewal may receive up to seven days of temporary access; this does not erase an outstanding payment or guarantee a successful retry.

Clearing data, uninstalling the app or closing a checkout tab does not cancel a subscription. If you lose access to its device and recovery information, contact support promptly so we can verify ownership and help stop renewals.

Withdrawal, refunds and your rights

For a new online subscription, you can notify us within 14 days that you wish to withdraw. Email nicki@mediter.com with your name, purchase email and subscription or payment reference, and say that you wish to withdraw. We will handle the request and any refund under applicable consumer law.

Opening the app alone does not waive your statutory withdrawal rights. Cancelling future renewals and requesting withdrawal or a refund are different actions; contact us if you need a refund or the service is faulty. See the EU’s official information on withdrawal rights.

These terms do not exclude rights or remedies that consumer law gives you, including remedies for a service that is not as agreed. Spanish law applies subject to the mandatory consumer protections applicable where you live; these terms do not require you to give up access to the courts or authorities available to you by law.

Optional AI and privacy

AI document extraction or questions require an available service, paid entitlement and your permission before sending data. Selected documents or question and policy details pass through Covera to Anthropic. Remove medical and other sensitive information before sending; use local manual entry for those records.

See the privacy notice for the data flow, providers, retention and your controls. AI is an aid to reading documents and cannot replace checking them. Automated abuse, attempts to bypass payment or access controls, and unlawful use are not permitted.

Availability and changes

Online services may be interrupted for maintenance, provider outages or necessary security work. This does not limit any legal remedies for failure to provide an agreed paid service. We will communicate material changes to a paid service or its price before they apply and provide any cancellation rights required by law.

The date above identifies this version of the terms. Save a copy with your purchase confirmation if you subscribe.

Support and complaints

Email nicki@mediter.com with the issue and your device or browser version. For billing, include the purchase email and payment reference. Never send card security codes or your subscription recovery secret.