# Coverly

> Buyer-paid package protection and a claims inbox for OpoShop stores. A "Protect your
> order" toggle on the cart adds a real, merchant-priced protection line; the merchant
> SELF-INSURES and works a claims inbox when a buyer reports a lost, stolen or damaged
> parcel. Coverly records the promise and the decision — it never moves money.

Coverly is published by Found and installs from the OpoShop App Store.

## What it does
- Adds a "Protect your order" toggle by the cart/checkout totals, with the exact fee on it.
- The merchant sets the fee rule: a percentage of the cart (with a floor and ceiling), a
  flat amount, or price bands. Everything is computed in integer cents.
- Turning it on adds one of the merchant's own app-owned protection products to the cart at
  the price the rule chose. The merchant keeps 100% of the fee — it is a normal line on
  their own order, paid to their own store.
- Records every order that bought protection, with what the buyer actually paid AND what
  the rule says it should have been, so a discount that clipped the protection line is
  visible rather than silently absorbed.
- Gives buyers a claim page gated to their real order, and the merchant a claims inbox
  (open / approved / denied / resolved) with the order, the money and the full history.

## What it deliberately does NOT do
- It is NOT insurance. There is no insurer, no underwriter and no third party. It is a tool
  for running the merchant's OWN shipping guarantee, which is why the merchant keeps the fee.
- It does not move money in either direction. Approving a claim writes a status and a
  timeline entry; the merchant re-ships or refunds in OpoShop themselves. Coverly holds no
  card, no balance and no payout, and takes no commission.
- It cannot set a price at checkout. OpoShop's cart API accepts only a variant id and a
  quantity, so the fee is always the real price of a product the server created. A browser
  can never name an amount and have it charged.
- It never modifies a merchant's real products — only the unlisted protection products it
  created itself, and only ever to rename them.
- It does not place, cancel or fulfil orders, and never emails buyers.
- It never charges invisibly: if the toggle cannot be placed on the theme, nothing is added
  to the cart at all.

## Honest limits
- A claim requires the order number AND the exact email used at checkout, on an order that
  really paid for protection, inside the merchant's claim window. There is deliberately no
  way for a merchant to file on a buyer's behalf from the admin.
- Coverly reports what a merchant collected and what they decided; it cannot enforce a
  promise or compel a refund. The merchant is the one making the guarantee.
- Protection applies to the order as a whole. There is no per-item pricing.
- A very wide fee range is billed as a $0.01 line multiplied out (exact, but the cart shows
  a large quantity). Narrowing the range restores a normal single line.

## Links
- Home: https://heycoverly.com/
- App: https://app.heycoverly.com
- Blog: https://blog.heycoverly.com
- Claim page (per store): https://app.heycoverly.com/claim?store=<store>
- API contract: https://app.heycoverly.com/openapi.json
- API docs: https://app.heycoverly.com/docs
- Hosted MCP: https://app.heycoverly.com/mcp
- Privacy: https://app.heycoverly.com/privacy
- Terms: https://app.heycoverly.com/terms
- Support: brandon@tryfound.io