These Terms of Service, together with all policies, guidelines, order forms, and additional terms referenced in or incorporated by them (collectively, these "Terms"), form a legally binding agreement between you ("you," "your," or "User") and SettleYourClaim, together with its owners, subsidiaries, affiliates, successors, and assigns ("SettleYourClaim," "we," "us," "our," or the "Company"), and govern your access to and use of the Company's websites, web and mobile applications, application programming interfaces, software, tools, content, reports, documents, communications, and all related products, features, and services, in each case whether now existing or later developed, and in whatever form or medium offered (collectively, the "Services"). By accessing, browsing, registering for, purchasing, uploading materials to, or otherwise using any of the Services, or by clicking, checking, or otherwise indicating your acceptance where presented, you acknowledge that you have read, understood, and agree to be bound by these Terms and by our Privacy Policy, which is incorporated into these Terms by reference. If you do not agree to these Terms in their entirety, you must not access or use the Services.
These Terms apply to every category of user and to every use of the Services, whether you use the Services for your own insurance claim, on behalf of a household member, in the course of a licensed profession, on behalf of a client or other party you are authorized to represent, for evaluation, or for any other purpose, and whether or not you pay for the Services. If you accept these Terms or use the Services on behalf of a company, firm, organization, client, or other legal entity or person, you represent and warrant that you are authorized to bind that entity or person, and "you" and "User" include both you individually and that entity or person.
The most important thing to understand. SettleYourClaim provides self-service software and automated decision-support tools. We are not a law firm, an attorney, a public adjuster or public-adjusting firm, an insurance company, an insurance agent or broker, an appraiser, an engineer, a contractor, an accountant, or any other licensed professional or fiduciary, and we do not provide legal advice, insurance advice, public-adjusting or claims-adjusting services, appraisal, engineering opinions, contracting or construction advice, tax or financial advice, claim negotiation, or representation of any kind. No attorney-client, adjuster-client, agent-client, fiduciary, or other professional or advisory relationship is created between you and the Company by your use of the Services.
The Services generate analyses, summaries, scores, estimates, draft correspondence, and other outputs by automated means, including artificial-intelligence models, based on materials and information you supply. Every output is a work product for your own independent review and judgment. You are solely responsible for reviewing, verifying, editing, adopting, and using or submitting any output, in your own name and at your own discretion. Nothing produced by or contained in the Services is a promise, prediction, recommendation, opinion, or guarantee of any claim outcome, coverage determination, payment, valuation, settlement, or legal or factual result.
In these Terms: "Account" means a registration you create to access the Services. "Content" means all text, documents, files, images, data, and other materials made available through the Services. "Your Content" means Content that you or anyone using your Account submits, uploads, enters, or transmits to the Services, including insurance policies, declarations, letters, estimates, reports, photographs, correspondence, and the information you type in. "Outputs" means the analyses, reports, scores, summaries, drafts, and other materials the Services generate for you. "Professional User" means any User who accesses the Services in the course of a trade, business, or profession, including attorneys, public adjusters, appraisers, restoration or other contractors, and their staff. "Third-Party Materials" means Content or materials that belong to, concern, or contain information about a person other than the User. "Applicable Law" means all laws, rules, regulations, and orders that apply to you or to your use of the Services.
The Services may include, without limitation, AI-assisted document reading and text extraction; policy, coverage, claim-file, scope, valuation, and claim-handling analysis; severity-ranked issue identification; draft letters and other draft correspondence; claim-organization, tracking, and document-management tools; report generation and delivery; educational and reference materials; and any additional features, products, or services we may offer from time to time. The Services, and any feature, component, price, or availability of the Services, may be added, changed, suspended, limited, or discontinued at any time, in whole or in part, with or without notice, at our sole discretion. We are not liable to you or to any third party for any modification, suspension, limitation, or discontinuation of the Services.
The Services do not decide, advise, or recommend whether to file, pursue, settle, dispute, appraise, litigate, or abandon any claim; do not determine what any claim "is worth"; do not adjust, value, or settle claims; and do not communicate, negotiate, or transact with any insurer, adjuster, policyholder, claimant, or other party on your behalf. Any characterization within an Output of a claim's "strength," a "score," an "amount in controversy," a "recommended action," or similar is an automated, informational work product only and is not advice, a determination, or a guarantee.
You must be at least 18 years old, have the legal capacity to enter into a binding contract, and be located in the United States to access or use the Services. By using the Services you represent and warrant that you meet these requirements and that your use complies with all Applicable Law and with any professional, licensing, ethical, or contractual obligations that apply to you.
You further represent and warrant, on your own behalf and on behalf of any entity or person for whom you act, that: (a) all information you provide is accurate and complete; (b) you have all rights, consents, permissions, and lawful authority necessary to submit each item of Your Content, including any Third-Party Materials, to the Services and to permit the uses described in these Terms and our Privacy Policy; (c) where the Services relate to an insurance claim, you are the policyholder or an authorized household member, or you are a Professional User or other person duly authorized to handle or use the relevant materials for that claim; and (d) your submission and use of Your Content does not and will not violate any Applicable Law, contract, court order, protective order, privilege, confidentiality obligation, or the rights of any person. You are solely responsible for obtaining any client, insured, or other third-party authorization or consent required for your use of the Services.
The Services and all Outputs are provided for general informational and decision-support purposes only and do not constitute, and must not be relied upon as, legal advice, insurance advice, public-adjusting or claims-adjusting services, an appraisal, an engineering or expert opinion, contracting or construction advice, tax, accounting, or financial advice, or any other regulated professional service, and do not constitute a coverage determination, valuation, or adjustment of any claim. Applicable Law, coverage, valuation, causation, scope, statutory, and other conclusions must be independently verified by you — and, where appropriate, by a duly licensed professional of your choosing — against the complete policy, the full claim file, and Applicable Law before any use or reliance. You are responsible for using the Services only within the scope of your own license, authority, and competence. The Company does not supervise, direct, or take responsibility for your professional judgment or work.
You may need to register for an Account to use certain Services. You agree to provide accurate, current, and complete information and to keep it updated. You are responsible for safeguarding your credentials, for all activity that occurs under your Account, and for maintaining the security of any device or system you use to access the Services. You must notify us promptly of any suspected or actual unauthorized use of, or access to, your Account. We may refuse, suspend, reclaim, or terminate any Account, username, or registration at our discretion. Consumer and Professional accounts may be maintained separately, and the features available to you may depend on your account type, role, and, where applicable, your attestations.
If you are a Professional User, you additionally represent and warrant that you are duly licensed, authorized, and in good standing to perform the work for which you use the Services in every jurisdiction where you do so; that you will use the Services only within the scope of that license and authority; and that you have full authority and any necessary consent to upload, process, and use the documents and materials of any client, insured, or other party you represent, including any Third-Party Materials. You are solely responsible for compliance with all professional-responsibility, confidentiality, privilege, ethics, advertising, unauthorized-practice, data-protection, and other rules that apply to you, and for informing and obtaining consent from your clients or principals as required. As between you and the Company, you are the party responsible to any client, insured, or third party for your use of the Services and any Output, and you assume all risk arising from your submission of Third-Party Materials.
As between you and the Company, you retain all ownership rights you hold in Your Content. You grant the Company a worldwide, non-exclusive, royalty-free, sublicensable license to host, store, retain, reproduce, process, extract text from, analyze, transmit, display, and create Outputs and derivative materials from Your Content, in each case to operate, provide, secure, maintain, and improve the Services and as otherwise described in these Terms and our Privacy Policy, including processing by the service providers identified in our Privacy Policy.
Retention. We retain Your Content — including the original files you upload and the text and data extracted from them — and your Outputs, so that the Services function and so you can access, re-download, and re-run them, and as further described in our Privacy Policy. Retention may continue for as long as your Account is active and thereafter as permitted or required, subject to your rights and our practices described in the Privacy Policy. You may request deletion of Your Content and your Account as described in the Privacy Policy, subject to records we are permitted or required to keep and to routine backups that cycle out over time.
De-identified and aggregated data. We may create, retain, use, and disclose aggregate, anonymized, and de-identified data and statistics derived from Your Content and your use of the Services — for example, categorical tallies of how often a carrier cites a given exclusion or exhibits a given claim-handling pattern — provided such data does not identify, and is not reasonably capable of being used to identify, you, any insured, any claimant, or any specific claim. We commit not to attempt to re-identify de-identified data. As described in our Privacy Policy, de-identified data is generated only after identifying details are removed, holds only categorical information, and is never your actual documents. This de-identified data, and all rights in it, belong to the Company and may be used for any lawful purpose, including operating and improving the Services and any current or future product.
Representations regarding Your Content. You represent and warrant that you have all rights necessary to grant the licenses above and that Your Content does not infringe or violate any third party's rights or any Applicable Law. You are solely responsible for Your Content and for backing up anything you consider important.
The Services, and all software, source and object code, models, prompts, designs, layouts, templates, report formats, text, graphics, logos, trademarks, service marks, trade dress, and other materials that are part of the Services (excluding Your Content), and all intellectual-property and proprietary rights in them, are and remain the exclusive property of the Company and its licensors. Subject to your compliance with these Terms, we grant you a limited, personal, non-exclusive, non-transferable, non-sublicensable, revocable license to access and use the Services and to use Outputs generated for you for your own permitted purposes. You may not copy, modify, distribute, sell, license, lease, resell, publicly display, frame, mirror, create derivative works from, or otherwise exploit the Services or any part of them, or use the Services to build or train a competing product or model, except as expressly permitted. If you provide suggestions, ideas, or other feedback, you grant us an unrestricted, perpetual, irrevocable, royalty-free license to use it for any purpose without obligation to you.
The Services use automated systems, including artificial-intelligence and machine-learning models (some operated by third-party providers), to read documents and generate Outputs. AI-generated content can be inaccurate, incomplete, outdated, or misleading, and can contain errors, omissions, fabricated or misremembered details ("hallucinations"), and misreadings of your documents. Outputs may vary and are not guaranteed to be reproducible, comprehensive, or correct. You are solely responsible for independently verifying every fact, figure, date, quotation, citation, calculation, and statement in any Output before relying on it, acting on it, or providing it to anyone, and for confirming that any quoted policy language, statute, or authority matches the actual source. You must not treat any Output as a substitute for professional judgment or for verification against primary sources.
You agree not to, and not to permit or enable anyone else to: (a) use the Services for any claim, matter, or materials you are not authorized to use, or misrepresent your identity, role, license, or authority; (b) submit false, altered, forged, or fraudulent documents or information, or use the Services to prepare, support, or advance any fraudulent, unlawful, or bad-faith insurance claim or other unlawful activity; (c) use the Services to provide legal, adjusting, appraisal, or other regulated professional services beyond the scope of your own license and authority, or in a manner that constitutes the unauthorized practice of law or adjusting; (d) upload or transmit any Content that is unlawful, infringing, defamatory, obscene, or that you lack the right or consent to submit, or that contains malware; (e) probe, scan, scrape, crawl, harvest, reverse-engineer, decompile, disassemble, circumvent, or attempt to gain unauthorized access to the Services, other users' data, or our systems or security; (f) interfere with, disrupt, overload, or impair the integrity or performance of the Services, or use bots or automated means except as we expressly permit; (g) resell, sublicense, or commercially exploit the Services or Outputs except as expressly permitted; (h) remove, obscure, or alter any proprietary notice; or (i) use the Services in violation of any Applicable Law, third-party right, or these Terms. Insurance fraud and related conduct are crimes. We may investigate suspected violations, suspend or terminate access, and cooperate with law-enforcement and other lawful requests.
The Services rely on and may link to or interoperate with third-party services, products, and materials, including payment processing (Stripe), artificial-intelligence processing (Anthropic), hosting and infrastructure providers, and external data or reference sources. Your use of a third party's service may be subject to that third party's terms and policies, and the third party — not the Company — is responsible for its own services. We do not endorse, and are not responsible for, third-party services or materials, and we disclaim all liability arising from them to the fullest extent permitted by law.
Our collection, use, retention, and disclosure of information, including Your Content, are described in our Privacy Policy, which is incorporated into these Terms. By using the Services you acknowledge and, where applicable, consent to the practices described there, including retention of uploaded materials and the creation and use of de-identified data. If you submit Third-Party Materials, you are responsible for providing any notices to, and obtaining any consents from, the affected individuals as required by Applicable Law.
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE SERVICES, ALL OUTPUTS, AND ALL CONTENT ARE PROVIDED "AS IS" AND "AS AVAILABLE," WITH ALL FAULTS AND WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE, INCLUDING ANY IMPLIED WARRANTIES OR CONDITIONS OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, ACCURACY, QUIET ENJOYMENT, AND NON-INFRINGEMENT, AND ANY WARRANTIES ARISING FROM COURSE OF DEALING OR USAGE OF TRADE. WITHOUT LIMITING THE FOREGOING, THE COMPANY DOES NOT WARRANT THAT THE SERVICES OR OUTPUTS WILL BE ACCURATE, RELIABLE, COMPLETE, CURRENT, ERROR-FREE, OR SECURE, THAT DEFECTS WILL BE CORRECTED, THAT THE SERVICES WILL BE UNINTERRUPTED OR AVAILABLE AT ANY PARTICULAR TIME, THAT DATA WILL NOT BE LOST, OR THAT USE OF THE SERVICES WILL PRODUCE ANY PARTICULAR CLAIM, COVERAGE, VALUATION, SETTLEMENT, LEGAL, OR OTHER RESULT. NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED FROM THE COMPANY OR THROUGH THE SERVICES, CREATES ANY WARRANTY NOT EXPRESSLY STATED HERE. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES, SO SOME OF THE ABOVE MAY NOT APPLY TO YOU.
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT WILL THE COMPANY OR ITS OWNERS, OFFICERS, DIRECTORS, EMPLOYEES, CONTRACTORS, AGENTS, LICENSORS, OR SUPPLIERS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, REVENUE, GOODWILL, DATA, OR BUSINESS, OR FOR ANY LOSS OF CLAIM VALUE, DENIED, REDUCED, DELAYED, OR LOST CLAIMS OR RECOVERIES, DIMINISHED SETTLEMENT, MISSED DEADLINE, ADVERSE COVERAGE OR LEGAL DETERMINATION, OR COST OF SUBSTITUTE SERVICES, ARISING OUT OF OR RELATING TO THESE TERMS, THE SERVICES, OR ANY OUTPUT, WHETHER BASED IN CONTRACT, TORT (INCLUDING NEGLIGENCE), STRICT LIABILITY, WARRANTY, STATUTE, OR ANY OTHER THEORY, AND WHETHER OR NOT THE COMPANY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, AND EVEN IF A REMEDY FAILS OF ITS ESSENTIAL PURPOSE. THE COMPANY'S TOTAL AGGREGATE LIABILITY FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THESE TERMS OR THE SERVICES WILL NOT EXCEED THE GREATER OF (A) THE TOTAL AMOUNTS YOU ACTUALLY PAID THE COMPANY FOR THE SERVICES IN THE TWELVE (12) MONTHS BEFORE THE EVENT GIVING RISE TO THE LIABILITY, OR (B) ONE HUNDRED U.S. DOLLARS ($100). THESE LIMITATIONS APPLY TO THE FULLEST EXTENT PERMITTED BY LAW AND ARE AN ESSENTIAL BASIS OF THE BARGAIN BETWEEN YOU AND THE COMPANY. SOME JURISDICTIONS DO NOT ALLOW CERTAIN LIMITATIONS, SO SOME OF THE ABOVE MAY NOT APPLY TO YOU.
You agree to defend, indemnify, and hold harmless the Company and its owners, officers, directors, employees, contractors, agents, licensors, and suppliers from and against any and all claims, demands, actions, investigations, liabilities, damages, losses, judgments, settlements, costs, and expenses (including reasonable attorneys' fees) arising out of or relating to: (a) Your Content, including any Third-Party Materials and any claim that you lacked the right, authority, or consent to submit or use it; (b) your access to or use of, or reliance on, the Services or any Output; (c) any document, correspondence, filing, position, or communication you generated with, or informed by, the Services and chose to use or submit to any insurer, court, agency, client, or other party; (d) your violation of these Terms, any Applicable Law, or any professional, ethical, licensing, confidentiality, or contractual obligation; or (e) your violation of the rights of any person. We may, at our option, assume the exclusive defense and control of any matter subject to indemnification, and you agree to cooperate with our defense.
Please read this section carefully — it affects your legal rights, including your right to go to court and to have a jury trial. Except for the excluded claims below, you and the Company agree that any dispute, claim, or controversy arising out of or relating to these Terms, the Services, or the relationship between you and the Company (a "Dispute") will be resolved exclusively by final and binding individual arbitration, and not in a court of law, except that either party may bring an individual claim in a small-claims court of competent jurisdiction. Before initiating arbitration, the party raising a Dispute will send the other a written notice describing it and allow at least 60 days to resolve it informally. The arbitration will be administered by the American Arbitration Association ("AAA") under its rules then in effect (including the Consumer Arbitration Rules where applicable), and judgment on the award may be entered in any court with jurisdiction. The arbitrator has exclusive authority to resolve threshold questions of arbitrability. You and the Company each waive any right to a jury trial and any right to bring or participate in a class, collective, consolidated, or representative action; disputes will be arbitrated only on an individual basis, and the arbitrator may not consolidate more than one person's claims or preside over any form of representative proceeding. If this class-action waiver is found unenforceable as to a particular remedy, that remedy (and only that remedy) will be severed to a court. You may opt out of this arbitration agreement by sending written notice with the subject "Arbitration Opt-Out," including your name and Account email, to the contact address below within 30 days after you first accept these Terms; opting out does not affect any other part of these Terms. Excluded claims: claims for injunctive or equitable relief regarding intellectual-property or unauthorized-access matters may be brought in court.
These Terms and any Dispute are governed by the laws of the State of Wyoming, without regard to its conflict-of-law principles, and, where arbitration does not apply, by the Federal Arbitration Act as to arbitrability. Subject to the arbitration provisions above, you and the Company consent to the exclusive jurisdiction and venue of the state and federal courts located in Wyoming for any matter not subject to arbitration, and waive any objection to that venue.
These Terms apply while you access or use the Services and remain in effect until terminated. You may stop using the Services and request deletion of your Account at any time. We may suspend, limit, or terminate your access to the Services or your Account, in whole or in part, at any time and for any reason, including for actual or suspected violation of these Terms, fraud, abuse, non-payment, legal risk, or discontinuation of the Services, with or without notice. Upon termination, your license to use the Services ends; provisions that by their nature should survive — including Sections 1, 4, 8, 9, 10, and 14 through 22 — survive termination.
We may modify these Terms at any time. If we make changes, we will update the effective date above and, where required by Applicable Law or where changes are material, provide additional notice. Changes are effective when posted unless otherwise stated. Your continued access to or use of the Services after the changes take effect constitutes your acceptance of the revised Terms. If you do not agree to the revised Terms, you must stop using the Services.
You consent to receive communications from us electronically, including by email and by postings within the Services, and you agree that all agreements, notices, disclosures, and other communications we provide electronically satisfy any legal requirement that they be in writing. We may send notices to the email associated with your Account or by posting them in the Services; you are responsible for keeping your contact information current. You may send notices to us at the contact address below.
These Terms, together with the Privacy Policy and any order forms or additional terms we present, are the entire agreement between you and the Company regarding the Services and supersede all prior or contemporaneous understandings. If any provision is held invalid or unenforceable, it will be limited or severed to the minimum extent necessary, and the remaining provisions will remain in full force. Our failure to enforce any provision is not a waiver of it, and any waiver must be in writing to be effective. You may not assign or transfer these Terms or any rights or obligations under them without our prior written consent; we may assign these Terms freely, including in connection with a merger, acquisition, reorganization, or sale of assets. These Terms do not create any partnership, joint venture, employment, agency, or fiduciary relationship, and confer no third-party-beneficiary rights. We are not liable for any failure or delay in performance caused by events beyond our reasonable control. Section headings are for convenience only and do not affect interpretation. You may not use or export the Services in violation of U.S. export or sanctions laws.
Questions about these Terms may be directed to support@settleyourclaim.com.