These Terms of Service ("Terms") govern your use of the SettleYourClaim website, software, and services (the "Service"), operated by SettleYourClaim ("we," "us," or the "Company"). By creating an account, joining the waitlist, placing an order, or otherwise using the Service, you agree to these Terms and to our Privacy Policy. If you do not agree, do not use the Service.
The most important thing to understand: SettleYourClaim is self-service software. We are not a law firm, public adjusting firm, or insurance company, and we do not provide legal advice, public adjusting services, claim negotiation, or representation of any kind.
Our software generates analyses, summaries, and draft documents from materials you supply. You review, edit, adopt, and submit everything yourself, in your own name, at your own discretion. Nothing produced by the Service is a promise, prediction, or guarantee of any claim outcome, payment, or valuation.
You must be at least 18 years old and located in the United States to use the Service. By using the Service in connection with an insurance claim, you represent that you are the policyholder (or an authorized household member of the policyholder) on that claim, and that the documents you upload relate to your own claim and were lawfully obtained.
The Service includes AI-assisted document analysis, policy review, draft correspondence, claim-organization tools, and related features. Outputs are generated by automated systems, including artificial-intelligence models, based on the documents and information you provide. AI-generated content can contain errors, omissions, and misreadings. You are solely responsible for verifying every fact, figure, quotation, and statement in any output before relying on it or sending it to anyone. Where outputs quote your policy, verify each quotation against your actual policy documents.
The Service does not provide advice on whether to file, settle, dispute, or abandon a claim; does not estimate what your claim "is worth"; and does not communicate with your insurer on your behalf.
You are responsible for the accuracy of your account information and for maintaining the confidentiality of your credentials. You are responsible for all activity under your account. Notify us promptly of any suspected unauthorized use.
You agree not to: (a) use the Service for any claim you are not a party to, or misrepresent your identity or authority; (b) submit false, altered, or fraudulent documents or information, or use the Service to prepare or advance a fraudulent insurance claim; (c) use the Service to provide adjusting, legal, or claim-handling services to third parties; (d) probe, scrape, overload, reverse-engineer, or interfere with the Service or its security; or (e) violate any applicable law. Insurance fraud is a crime. We may suspend or terminate access for violations and may cooperate with lawful investigations.
You retain ownership of documents and information you upload ("Your Content"). You grant us a limited license to store, process, transmit, and display Your Content solely to operate and provide the Service, including processing by the third-party service providers identified in our Privacy Policy. We own the Service, including all software, designs, templates, and branding. Outputs generated for you may be used by you for your own claim; you may not resell the Service or its outputs.
THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT OUTPUTS WILL BE ACCURATE, COMPLETE, OR ERROR-FREE, THAT THE SERVICE WILL BE UNINTERRUPTED, OR THAT USE OF THE SERVICE WILL PRODUCE ANY PARTICULAR CLAIM RESULT.
TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE COMPANY WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF CLAIM VALUE, DENIED OR REDUCED CLAIMS, LOST PROFITS, OR LOST DATA, ARISING FROM OR RELATING TO THE SERVICE. OUR TOTAL AGGREGATE LIABILITY FOR ALL CLAIMS RELATING TO THE SERVICE WILL NOT EXCEED THE GREATER OF (A) THE AMOUNTS YOU PAID US IN THE TWELVE (12) MONTHS BEFORE THE EVENT GIVING RISE TO LIABILITY, OR (B) FIFTY U.S. DOLLARS ($50). Some jurisdictions do not allow certain limitations; in those jurisdictions, these limitations apply to the fullest extent permitted.
You agree to defend, indemnify, and hold harmless the Company and its owners, officers, and agents from claims, damages, and expenses (including reasonable attorneys' fees) arising from Your Content, your use or misuse of the Service or its outputs, your violation of these Terms, or your violation of any law or third-party right — including any claim arising from documents or correspondence you chose to submit to an insurer.
Please read this section carefully — it affects your rights. Any dispute arising out of or relating to these Terms or the Service will be resolved by binding individual arbitration administered by the American Arbitration Association under its Consumer Arbitration Rules, rather than in court, except that either party may bring an individual claim in small-claims court. You and the Company each waive the right to a jury trial and to participate in a class action. You may opt out of this arbitration agreement by emailing us within 30 days of first accepting these Terms with the subject "Arbitration Opt-Out." These Terms are governed by the laws of the State of Wyoming, without regard to conflict-of-law rules.
You may stop using the Service at any time and may request account deletion. We may suspend or terminate access for violation of these Terms, suspected fraud or abuse, or legal risk, with or without notice. Sections 6–10 survive termination.
We may update these Terms from time to time. Material changes will be indicated by updating the effective date above (and, where required, additional notice). Continued use of the Service after changes take effect constitutes acceptance.
Questions about these Terms: support@settleyourclaim.com.