Terms of Service

These terms govern your use of ClaimWise. Please read them carefully.

Last updated: July 7, 2025

1. Acceptance of Terms

By accessing or using ClaimWise ("the Service"), you agree to be bound by these Terms of Service ("Terms"). If you disagree with any part of these terms, you may not access the Service.

2. Description of Service

ClaimWise is an AI-powered platform that helps homeowners:

  • Analyze insurance policies and warranty documents
  • Create and organize insurance and warranty claims
  • Generate professional claim documentation
  • Track claim progress and deadlines

Important Disclaimer

ClaimWise provides informational tools and assistance. We are not licensed insurance professionals, lawyers, or public adjusters. Our service does not constitute professional advice.

3. User Accounts

Account Creation

  • You must provide accurate and complete information when creating an account
  • You are responsible for maintaining the security of your account credentials
  • You must be at least 18 years old to create an account
  • One person may not maintain multiple accounts

Account Responsibility

  • You are responsible for all activities that occur under your account
  • Notify us immediately of any unauthorized use of your account
  • You may not share your account with others

4. Acceptable Use

Permitted Uses

You may use ClaimWise for:

  • Personal insurance and warranty claim management
  • Analyzing your own insurance policies and warranties
  • Creating documentation for legitimate claims

Prohibited Uses

You may not use ClaimWise to:

  • Submit false, fraudulent, or misleading claims
  • Upload documents you don't own or have rights to
  • Attempt to reverse engineer or hack the platform
  • Use the service for any illegal purpose
  • Spam, harass, or abuse other users or our support team
  • Upload malicious software or harmful content
  • Violate any applicable laws or regulations

5. Subscription and Payment

Plans and Pricing

  • We offer both free and paid subscription plans
  • Pricing is subject to change with 30 days notice
  • All fees are non-refundable except as stated in our refund policy

Billing

  • Subscriptions automatically renew unless cancelled
  • We'll charge your payment method on each renewal date
  • You're responsible for keeping payment information current
  • Late payments may result in service suspension

Cancellation

  • You may cancel your subscription at any time
  • Cancellation takes effect at the end of your current billing period
  • You retain access to paid features until the end of your billing period

6. Content and Data

Your Content

  • You retain ownership of all documents and data you upload
  • You grant us permission to process your content to provide our services
  • You're responsible for ensuring you have rights to upload content
  • You must not upload content that violates third-party rights

Our Content

  • We own all intellectual property rights in the ClaimWise platform
  • You may not copy, modify, or distribute our software or content
  • Our AI-generated suggestions and templates remain our property

7. Privacy and Data Protection

Your privacy is important to us. Our Privacy Policy explains how we collect, use, and protect your information. By using ClaimWise, you also agree to our Privacy Policy.

8. Disclaimers and Limitations

No Professional Advice

ClaimWise provides informational tools only. We do not provide:

  • Legal advice or representation
  • Licensed insurance adjusting services
  • Guarantees about claim outcomes
  • Professional consultation services

Service Availability

  • We strive for 99.9% uptime but cannot guarantee uninterrupted service
  • We may temporarily suspend service for maintenance
  • We're not liable for damages from service interruptions

AI Accuracy

  • Our AI provides suggestions based on document analysis
  • AI recommendations may contain errors or inaccuracies
  • You should verify all AI-generated content before submission
  • We're not responsible for errors in AI analysis

9. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW:

  • ClaimWise is provided "as is" without warranties of any kind
  • We disclaim all warranties, express or implied
  • Our liability is limited to the amount you paid us in the last 12 months
  • We're not liable for indirect, incidental, or consequential damages
  • We're not responsible for claim denials or unfavorable outcomes

10. Indemnification

You agree to indemnify and hold ClaimWise harmless from any claims, damages, or expenses arising from:

  • Your use of the service
  • Your violation of these terms
  • Your infringement of third-party rights
  • Any fraudulent or illegal activity

11. Termination

Termination by You

  • You may terminate your account at any time
  • Cancellation doesn't entitle you to refunds for unused time

Termination by Us

We may terminate or suspend your account if you:

  • Violate these terms
  • Engage in fraudulent activity
  • Fail to pay required fees
  • Abuse our platform or staff

Effect of Termination

  • You lose access to the service immediately
  • We may delete your data after a reasonable period
  • Provisions that should survive termination will continue to apply

12. Changes to Terms

We may modify these terms at any time. When we do:

  • We'll notify you via email or platform notification
  • Changes take effect 30 days after notification
  • Continued use constitutes acceptance of new terms
  • If you disagree with changes, you may terminate your account

13. Governing Law

These terms are governed by applicable laws, without regard to conflict of law provisions. Any disputes will be resolved in the appropriate courts.

14. Contact Information

If you have questions about these Terms of Service, please contact us:

Legal Questions

Email: legal@theclaimwise.com

15. Severability

If any provision of these terms is found to be invalid or unenforceable, the remaining provisions will continue to be valid and enforceable.

By using ClaimWise, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service.