Terms of Service

1. Acceptance of Terms

By accessing or using YourClaimant (the "Service"), operated by YourClaimant, Inc. ("YourClaimant," "we," "us," or "our"), you agree to be bound by these Terms of Service ("Terms"). These Terms constitute a legally binding agreement between you and YourClaimant. If you do not agree to all of these Terms, you must not access or use the Service.

By creating an account, making a purchase, or otherwise using the Service, you represent that you have read, understood, and agree to be bound by these Terms and our Privacy Policy, which is incorporated herein by reference.

2. Description of Service

YourClaimant is a technology platform that provides informational tools, AI-powered analysis, and document drafting assistance for individuals navigating auto collision insurance claim disputes involving property damage only.

The Service enables you to:

• Upload and organize documents, photos, and videos related to your insurance claim (the "Evidence Vault")
• Receive AI-powered analysis of your claim, including identification of potential issues with your insurer's determination
• Generate draft communications such as appeal letters, response emails, regulatory complaints, and demand letters
• Access an AI research assistant for questions about insurance claims, state-specific regulations, and the appeals process
• View state-specific escalation guides with relevant regulatory contacts and procedures

The Service is designed exclusively for auto collision claims involving property damage. It is NOT intended for and should NOT be used for claims involving bodily injury, wrongful death, catastrophic loss, commercial vehicle fleets, maritime or aviation incidents, or any form of professional liability or commercial insurance.

3. Not Legal Advice — No Attorney-Client Relationship

4. Eligibility

You must be at least 18 years of age and legally capable of entering into a binding contract under the laws of your jurisdiction to use the Service. The Service is available only to residents of the United States and the District of Columbia. By using the Service, you represent and warrant that you meet all eligibility requirements stated in this section.

If you are using the Service on behalf of another person (such as a family member), you represent that you have that person's authorization to act on their behalf and to agree to these Terms.

5. Account Registration and Security

To use the Service, you must create an account by providing accurate, current, and complete registration information, including a valid email address. You may also register using Google single sign-on ("SSO"). You agree to keep your registration information up to date.

You are responsible for maintaining the confidentiality of your account credentials, including your password, and for all activity that occurs under your account. You agree to:

• Create a strong, unique password that you do not use for other services
• Not share your account credentials with any other person
• Notify us immediately at support@yourclaimant.com if you become aware of any unauthorized access to or use of your account

We reserve the right to suspend or terminate accounts that contain false registration information, violate these Terms, or that we reasonably believe are being used fraudulently or in a manner that could harm other users or the integrity of the Service.

6. Subscription Tiers and Payments

The Service is offered in three tiers, each purchased as a one-time payment. There are no subscriptions, recurring charges, or automatic renewals. All prices are in U.S. dollars.

• Basic ($29.99): Claim analysis, basic appeal drafting, evidence vault, and email templates
• Pro ($79.99): Everything in Basic, plus deep legal research, multi-strategy appeals, regulatory complaint drafts, and photo/video analysis
• Ultra ($199.99): Everything in Pro, plus forensic video analysis, expert-level legal arguments, attorney-quality demand letters, and unlimited AI chat

6.1 Upgrades

You may upgrade from a lower tier to a higher tier at any time. When you upgrade, you pay only the difference between your current tier price and the new tier price. For example, upgrading from Basic ($29.99) to Pro ($79.99) costs $50.00. Upgrades are effective immediately upon successful payment. Downgrades are not available.

6.2 Refund Policy

We offer a 30-day money-back guarantee from the date of your initial purchase. If you are unsatisfied with the Service for any reason, you may request a full refund within 30 days by contacting support@yourclaimant.com. Refunds are processed to the original payment method and typically appear within 5 to 10 business days, depending on your financial institution.

If you have upgraded your tier, the refund amount will be the total amount you have paid across all transactions. Refund requests made after the 30-day window may be considered on a case-by-case basis at our sole discretion.

6.3 Payment Processing

All payments are processed by Stripe, Inc. ("Stripe"). By making a purchase, you agree to Stripe's terms of service. We do not store credit card numbers, CVVs, or full card details on our servers. Your payment information is transmitted directly to Stripe over encrypted connections.

6.4 Pricing Changes

We reserve the right to change our pricing at any time. Price changes do not affect purchases already completed. If you have already purchased a tier, you retain access to that tier at the price you paid, regardless of subsequent price changes.

7. AI-Generated Content

The Service uses third-party artificial intelligence models (including models from Google and Anthropic) to analyze documents, research laws and regulations, and draft communications. By using the Service, you acknowledge and agree to the following:

• No guarantee of accuracy. AI-generated outputs may contain errors, inaccuracies, omissions, or outdated information. AI models can produce plausible-sounding content that is factually incorrect, including fabricated legal citations, mischaracterized statutes, or inapplicable case law.
• Verification required. You are solely responsible for independently verifying the accuracy, completeness, and applicability of all AI-generated content before relying on it, sharing it, or sending it to any third party. Legal citations, statutory references, regulatory contacts, and deadlines should all be confirmed through official sources.
• No guaranteed outcomes. AI analysis of your claim strength, fault percentages, potential violations, or recommended strategies does not predict, guarantee, or promise any particular outcome. Insurance claim disputes are fact-specific and jurisdiction-specific.
• Variation by tier. The depth, quality, and sophistication of AI analysis varies by tier. Higher tiers use more capable AI models but are still subject to the limitations described in this section.
• Your responsibility. You review, edit, and approve all drafted communications before use. You decide whether and when to send any communication. YourClaimant is not responsible for consequences arising from your use of AI-generated content.

8. Your Content and Data

You retain full ownership of all documents, photographs, videos, written descriptions, and other content you upload to or create within the Service ("Your Content"). YourClaimant does not claim any ownership interest in Your Content.

By uploading Your Content, you grant us a limited, non-exclusive, non-transferable license to process, store, transmit, and analyze Your Content solely for the purpose of providing and improving the Service for you. This license includes the right to send Your Content to third-party AI providers for analysis, as described in our Privacy Policy.

You represent and warrant that you have the right to upload Your Content and that Your Content does not infringe upon the intellectual property rights, privacy rights, or other rights of any third party.

AI-generated outputs (analyses, drafted communications, research results, and chat responses) are provided to you for your personal use in connection with your insurance claim. You may use, copy, modify, and distribute these outputs for that purpose without restriction.

9. Prohibited Uses

You agree not to use the Service to:

• Submit false, fabricated, or materially misleading information about your claim, accident, or insurance dispute
• Commit, facilitate, or attempt insurance fraud, including fabricating or inflating damages, misrepresenting the circumstances of an accident, or creating fraudulent documentation
• Use AI-generated content to knowingly misrepresent facts to your insurer, regulatory bodies, courts, or other parties
• Process claims involving bodily injury, wrongful death, or catastrophic loss, which require specialized legal representation
• Reverse-engineer, decompile, disassemble, or attempt to extract the source code, algorithms, or AI model configurations of the Service
• Access or attempt to access another user's account or data
• Share your account credentials or allow others to use your account
• Use automated scripts, bots, crawlers, or scrapers to access the Service in a manner that exceeds reasonable use or degrades the Service for other users
• Upload content that is illegal, threatening, defamatory, obscene, or that infringes on the intellectual property rights of any third party
• Use the Service for any purpose that is unlawful or prohibited by these Terms
• Resell, sublicense, or commercially redistribute the Service or any AI-generated outputs to third parties

We reserve the right to suspend or terminate your account and refuse any future use of the Service if we determine, in our sole discretion, that you have violated any of these prohibitions.

10. Intellectual Property

The Service, including its design, user interface, source code, algorithms, AI prompts and configurations, documentation, logos, trademarks, and trade dress, is the property of YourClaimant, Inc. and is protected by United States and international intellectual property laws. All rights not expressly granted in these Terms are reserved.

You are granted a limited, non-exclusive, non-transferable, revocable license to access and use the Service for your personal, non-commercial use in connection with your insurance claim, subject to these Terms. You may not copy, modify, distribute, sell, lease, or create derivative works of any part of the Service.

"YourClaimant" and related logos and marks are trademarks of YourClaimant, Inc. You may not use our trademarks without our prior written consent.

11. Disclaimer of Warranties

12. Limitation of Liability

13. Indemnification

You agree to indemnify, defend, and hold harmless YourClaimant, Inc. and its officers, directors, employees, agents, affiliates, and licensors from and against any and all claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys' fees and court costs) arising out of or related to:

• Your access to or use of the Service
• Your violation of these Terms
• Any communications you draft, edit, send, or distribute that were based in whole or in part on content generated by the Service
• Any claim that Your Content infringes upon the rights of a third party
• Your violation of any applicable law, regulation, or the rights of any third party
• Any claim made by your insurer, a regulatory body, or any other third party related to actions you took using or informed by the Service

14. Dispute Resolution and Arbitration

PLEASE READ THIS SECTION CAREFULLY. IT AFFECTS YOUR LEGAL RIGHTS, INCLUDING YOUR RIGHT TO FILE A LAWSUIT IN COURT.

14.1 Informal Resolution

Before initiating any formal dispute resolution proceeding, you agree to first contact us at support@yourclaimant.com and attempt to resolve the dispute informally for at least 30 days. Most disputes can be resolved without the cost and delay of formal proceedings.

14.2 Binding Arbitration

If a dispute cannot be resolved informally, any controversy, dispute, or claim arising out of or relating to these Terms or the Service (including the formation, interpretation, breach, or termination of these Terms) shall be resolved by binding arbitration administered by the American Arbitration Association ("AAA") under its Consumer Arbitration Rules then in effect. The arbitration shall take place in Portland, Oregon, or, at your election, by video conference. The arbitrator's decision shall be final, binding, and enforceable in any court of competent jurisdiction.

If the AAA is unable or unwilling to administer the arbitration, the parties shall agree on an alternative arbitration provider or, if they cannot agree, petition a court of competent jurisdiction to appoint an arbitrator.

14.3 Class Action and Jury Trial Waiver

YOU AND YOURCLAIMANT AGREE THAT EACH PARTY MAY BRING DISPUTES AGAINST THE OTHER ONLY IN AN INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, CONSOLIDATED, MULTI-DISTRICT, OR REPRESENTATIVE ACTION OR PROCEEDING. THE ARBITRATOR MAY NOT CONSOLIDATE MORE THAN ONE PERSON'S CLAIMS AND MAY NOT PRESIDE OVER ANY FORM OF CLASS OR REPRESENTATIVE PROCEEDING. YOU AGREE TO WAIVE YOUR RIGHT TO A JURY TRIAL FOR ANY DISPUTE ARISING OUT OF OR RELATED TO THESE TERMS OR THE SERVICE.

14.4 Small Claims Court Exception

Notwithstanding the above, either party may bring an individual action in small claims court for disputes that fall within that court's jurisdictional limits. If a dispute is removed from small claims court or is otherwise outside the court's jurisdiction, the arbitration provisions of this section shall apply.

14.5 Opt-Out Right

You may opt out of this arbitration agreement by sending written notice to legal@yourclaimant.com within 30 days of first accepting these Terms. Your notice must include your name, account email, and a clear statement that you wish to opt out of the arbitration provision. If you opt out, disputes will be resolved in the courts specified in Section 15.

15. Governing Law and Jurisdiction

These Terms shall be governed by and construed in accordance with the laws of the State of Oregon, without regard to its conflict of laws principles. To the extent that the arbitration provisions in Section 14 do not apply, you agree to submit to the exclusive personal jurisdiction of the state and federal courts located in Multnomah County, Oregon, for the resolution of any dispute arising out of or related to these Terms or the Service.

16. Termination

We may suspend or terminate your access to the Service at any time, with or without cause and with or without notice, if we determine in our sole discretion that you have violated these Terms, engaged in fraudulent activity, or used the Service in a manner that could create liability for YourClaimant or harm other users.

Upon termination, your right to access and use the Service ceases immediately. However:

• You may request a copy of Your Content within 30 days of termination by emailing support@yourclaimant.com
• After 30 days, we may delete Your Content in accordance with our data retention policy described in our Privacy Policy
• Sections 3 (Not Legal Advice), 7 (AI-Generated Content), 8 (Your Content), 10 (Intellectual Property), 11 (Disclaimer of Warranties), 12 (Limitation of Liability), 13 (Indemnification), 14 (Dispute Resolution), 15 (Governing Law), and 17 (General Provisions) shall survive termination

You may terminate your account at any time by contacting support@yourclaimant.com. Termination of your account does not entitle you to a refund except as provided in Section 6.2.

17. General Provisions

17.1 Entire Agreement

These Terms, together with the Privacy Policy, constitute the entire agreement between you and YourClaimant regarding the Service and supersede all prior agreements, understandings, and communications, whether written or oral.

17.2 Severability

If any provision of these Terms is held to be unenforceable, invalid, or illegal by a court of competent jurisdiction, that provision shall be modified to the minimum extent necessary to make it enforceable, or if modification is not possible, severed from these Terms. The remaining provisions shall continue in full force and effect.

17.3 Waiver

Our failure to enforce any provision of these Terms shall not constitute a waiver of that provision or any other provision. A waiver of any provision is effective only if made in writing and signed by an authorized representative of YourClaimant.

17.4 Assignment

You may not assign or transfer these Terms or any rights or obligations hereunder without our prior written consent. We may assign these Terms without restriction, including in connection with a merger, acquisition, corporate reorganization, or sale of all or substantially all of our assets. Subject to the foregoing, these Terms bind and inure to the benefit of each party's successors and permitted assigns.

17.5 Force Majeure

YourClaimant shall not be liable for any delay or failure to perform resulting from causes outside of our reasonable control, including but not limited to acts of God, natural disasters, pandemic, war, terrorism, civil unrest, government actions, power or internet outages, or third-party service provider failures.

17.6 Notices

We may provide notices to you by email to the address associated with your account, by posting a notice within the Service, or by other reasonable means. You are responsible for keeping your email address current. Notices sent by email are deemed received on the date sent. Notices to us should be sent to legal@yourclaimant.com.

18. Changes to These Terms

We reserve the right to modify these Terms at any time. If we make material changes, we will notify you by email or by posting a prominent notice within the Service at least 30 days before the changes take effect. The "Last updated" date at the top of this page indicates when these Terms were last revised.

Your continued use of the Service after the effective date of revised Terms constitutes your acceptance of the changes. If you do not agree to the revised Terms, you must stop using the Service and may request account termination.

19. Contact Information

If you have questions, concerns, or feedback about these Terms, please contact us: