Terms of Service.

These Terms of Service ("Terms") constitute a legally binding agreement between you ("User," "you," or "your") and ClaimFlow ("ClaimFlow," "we," "us," or "our") governing your access to and use of the ClaimFlow web application and related services (collectively, the "Service"). By accessing or using the Service, you agree to be bound by these Terms.

1. The Service

ClaimFlow provides a software-as-a-service platform that assists insurance professionals, roofing contractors, restoration companies, and public adjusters with processing insurance claim documents. The Service uses automated technology to extract data from uploaded documents, generate reports, and streamline claim workflows.

The Service is intended for professional use by qualified individuals in the insurance and claims industry. You must be at least 18 years old and have the legal capacity to enter into contracts to use the Service.

2. Account Registration

To access most features of the Service, you must create an account. When you register, you agree to:

• Provide accurate, current, and complete information
• Maintain the security and confidentiality of your account credentials
• Promptly update your account information if it changes
• Accept responsibility for all activities that occur under your account
• Notify us immediately of any unauthorized access or security breach

We reserve the right to refuse service, terminate accounts, or remove content at our sole discretion, particularly in cases of violation of these Terms or suspected fraudulent activity.

3. Subscription Plans and Billing

3.1 Plan Tiers

ClaimFlow offers multiple subscription tiers with different features and usage limits. Current plans, pricing, and features are available on our pricing page. We reserve the right to modify plans, pricing, and features with 30 days' notice.

3.2 Billing Cycle

Subscriptions are billed monthly or annually in advance, as selected at signup. Your subscription will automatically renew at the end of each billing cycle unless cancelled before the renewal date. By subscribing, you authorize us to charge your payment method for all applicable fees.

3.3 Usage-Based Charges

Certain features may be metered or have usage limits. If you exceed your plan's included allocations, additional usage may incur overage charges or require upgrading to a higher tier. Usage tracking is atomic and enforced server-side to ensure accuracy.

3.4 Payment Processing

All payments are processed by Stripe, a PCI-compliant payment processor. You agree to Stripe's terms of service and privacy policy when providing payment information. We do not store your payment card details.

3.5 Refunds

Subscription fees are non-refundable except as required by law. If you cancel your subscription, you will continue to have access through the end of your current billing period, and no prorated refunds will be issued.

3.6 Failed Payments

If a payment fails, we will attempt to collect payment for up to 7 days. During this period, your access may be restricted. If payment is not received within this grace period, your subscription may be suspended or terminated.

3.7 Price Changes

We reserve the right to change subscription prices. Any price changes will apply at the start of your next billing cycle after providing at least 30 days' notice. If you do not agree to a price change, you may cancel your subscription before the change takes effect.

4. Acceptable Use

You agree to use the Service only for lawful purposes and in accordance with these Terms. You agree not to:

• Use the Service for any illegal or unauthorized purpose
• Upload documents or data you do not have legal right to process
• Upload malicious software, viruses, or harmful code
• Attempt to gain unauthorized access to any part of the Service, other user accounts, or our systems
• Reverse engineer, decompile, or attempt to derive source code from the Service
• Use the Service to transmit spam, phishing attempts, or unsolicited communications
• Share your account credentials with unauthorized persons
• Use automated tools, bots, or scrapers to access the Service except through our official API
• Exceed rate limits, bypass usage restrictions, or circumvent billing controls
• Interfere with or disrupt the Service or servers connected to the Service
• Upload content that infringes on intellectual property rights
• Use the Service to make decisions that have legal or similarly significant effects on individuals without human review

Violation of these provisions may result in immediate account termination and potential legal action.

5. Your Content

5.1 Ownership

You retain all ownership rights to the documents, data, and content you upload to the Service ("Your Content"). We do not claim ownership of Your Content.

5.2 License to ClaimFlow

By uploading Your Content to the Service, you grant ClaimFlow a limited, non-exclusive, worldwide license to process, store, and display Your Content solely for the purpose of providing the Service to you. This license terminates when you delete Your Content or close your account, except for copies retained for legal compliance.

5.3 Model Training License

If you enable the "Help improve ClaimFlow" toggle in your Account Settings, you grant ClaimFlow a non-exclusive, worldwide, royalty-free license to use de-identified data derived from Your Content to train, validate, and improve ClaimFlow's extraction models ("Model Training"). This license is limited to the following uses:

• Training, testing, validating, and improving ClaimFlow's automated extraction models
• Benchmarking model performance and accuracy
• Developing new features and extraction capabilities for the Service

All data used for Model Training is subject to ClaimFlow's de-identification process, under which direct identifiers (names, addresses, phone numbers, email addresses, policy numbers, claim numbers) are permanently removed and financial amounts may be aggregated or generalized before use.

This license does not permit ClaimFlow to:

• Share, sell, or license de-identified training data to any third party
• Attempt to re-identify individuals from de-identified data
• Use Your Content in its original form for any purpose other than providing the Service to you
• Use personal information belonging to third parties contained in Your Content for any purpose beyond providing the Service

You may revoke this Model Training license at any time by disabling the "Help improve ClaimFlow" toggle in your Account Settings. Revocation takes effect on a forward-looking basis: ClaimFlow will stop processing new data from your account for Model Training purposes. De-identified data that has already been processed into training datasets prior to revocation is not retroactively removed, as it no longer constitutes personal information and cannot reasonably be used to identify any individual.

5.4 Responsibility for Your Content

You are solely responsible for Your Content and the consequences of uploading it. You represent and warrant that:

• You have the legal right to upload and process Your Content
• You have obtained all necessary consents from third parties whose information appears in Your Content
• Your Content does not violate any laws, regulations, or third-party rights
• You have the authority to grant the licenses described in this Section 5

Do not upload documents containing Protected Health Information (PHI) unless you have a lawful basis and appropriate safeguards in place. ClaimFlow is not a HIPAA business associate and does not offer BAA agreements at this time.

5.5 Data Backup

While we maintain backups of our systems, you are responsible for maintaining your own backups of critical data. We are not liable for any loss of data.

6. Intellectual Property

6.1 Our Rights

The Service, including all software, designs, text, graphics, logos, and other materials, is owned by ClaimFlow or its licensors and is protected by copyright, trademark, and other intellectual property laws. All rights are reserved.

6.2 Limited License to You

Subject to your compliance with these Terms and payment of applicable fees, we grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Service for your internal business purposes.

6.3 Trademark

"ClaimFlow" and our logo are trademarks of ClaimFlow. You may not use our trademarks without our prior written permission.

6.4 Feedback

If you provide us with feedback, suggestions, or ideas about the Service, you grant us an unrestricted, royalty-free, perpetual license to use that feedback for any purpose without compensation to you.

7. Automated Processing and Accuracy Disclaimer

ClaimFlow uses automated technology to extract data from insurance claim documents. While we strive for the highest possible accuracy, automated extraction may produce outputs that contain errors, omissions, or inaccuracies.

7.1 No Guarantee of Accuracy

ClaimFlow makes no representations or warranties regarding the accuracy, completeness, reliability, or suitability of any automatically generated outputs. Extracted data, generated reports, and derived calculations are provided "as is" without any guarantee.

7.2 Mandatory Human Review

All extracted data, generated reports, and automated outputs should be reviewed by qualified professionals before being used for claim decisions, client communications, legal proceedings, or any professional purpose. You shall not use automated outputs as the sole basis for any adverse claim determination or decision that has a significant effect on any individual.

7.3 Factors Affecting Accuracy

Extraction accuracy may be affected by document scan quality, handwritten annotations, non-standard document formatting, unusual layouts, image resolution, and other factors. You acknowledge these limitations and agree to verify all extracted data against the original source documents.

7.4 Not Professional Advice

ClaimFlow does not provide insurance advice, legal advice, or professional claim adjudication services. The Service is a tool designed to assist, not replace, human professional judgment. Users must exercise their own professional judgment when using the Service.

7.5 Responsibility for Decisions

You acknowledge and agree that you are solely responsible for any decisions made based on automated outputs from the Service. ClaimFlow shall not be liable for any claim outcomes, financial losses, or other consequences resulting from your use of or reliance on automated outputs.

8. Service Availability and Modifications

We strive to maintain high availability of the Service but do not guarantee uninterrupted access. The Service may be unavailable due to:

• Scheduled maintenance (with advance notice when possible)
• Emergency maintenance and security updates
• Third-party service provider outages
• Force majeure events beyond our control

We reserve the right to modify, suspend, or discontinue any part of the Service at any time with or without notice. We will not be liable for any modification, suspension, or discontinuation of the Service.

9. Termination

9.1 Termination by You

You may terminate your account at any time by cancelling your subscription through your account settings or by contacting support. Upon termination, you will continue to have access until the end of your current billing period.

9.2 Termination by Us

We may suspend or terminate your account immediately, without prior notice or liability, for any reason, including:

• Violation of these Terms
• Non-payment of fees
• Fraudulent, abusive, or illegal activity
• Extended periods of inactivity
• Legal or regulatory requirements

9.3 Effect of Termination

Upon termination, your right to access the Service will immediately cease. We may delete your account data and Your Content within 30 days of termination, except where retention is required by law. You may request data export prior to termination.

9.4 Survival

The following provisions will survive termination of these Terms: intellectual property provisions, disclaimers, limitations of liability, indemnification, dispute resolution, and any other provisions that by their nature should survive.

10. Warranty Disclaimers

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED. TO THE MAXIMUM EXTENT PERMITTED BY LAW, CLAIMFLOW DISCLAIMS ALL WARRANTIES, INCLUDING WITHOUT LIMITATION:

• WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT
• WARRANTIES REGARDING THE ACCURACY, RELIABILITY, OR COMPLETENESS OF ANY DATA OR OUTPUTS
• WARRANTIES THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, OR SECURE
• WARRANTIES REGARDING THE RESULTS THAT MAY BE OBTAINED FROM USE OF THE SERVICE
• WARRANTIES REGARDING THIRD-PARTY SERVICES INTEGRATED WITH THE SERVICE

No advice or information obtained from ClaimFlow shall create any warranty not expressly stated in these Terms.

11. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, IN NO EVENT SHALL CLAIMFLOW, ITS OFFICERS, DIRECTORS, EMPLOYEES, OR AGENTS BE LIABLE FOR:

• ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES
• LOSS OF PROFITS, REVENUE, DATA, OR BUSINESS OPPORTUNITIES
• DAMAGES RESULTING FROM UNAUTHORIZED ACCESS OR USE OF YOUR ACCOUNT
• DAMAGES RESULTING FROM ERRORS OR INACCURACIES IN AUTOMATED OUTPUTS
• DAMAGES ARISING FROM CLAIM DECISIONS BASED ON THE SERVICE

Aggregate Liability Cap: OUR TOTAL CUMULATIVE LIABILITY TO YOU FOR ANY CLAIMS ARISING OUT OF OR RELATING TO THESE TERMS OR THE SERVICE SHALL NOT EXCEED THE GREATER OF (A) THE AMOUNT YOU PAID US IN THE 12 MONTHS PRECEDING THE CLAIM, OR (B) ONE HUNDRED DOLLARS ($100).

Some jurisdictions do not allow the exclusion or limitation of certain damages. In such jurisdictions, our liability will be limited to the maximum extent permitted by law.

12. Indemnification

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

• Your use of the Service
• Your violation of these Terms
• Your violation of any law, regulation, or third-party right
• Your Content, including any claims that Your Content infringes on third-party rights
• Decisions made by you or others based on automated outputs from the Service

13. Dispute Resolution

13.1 Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Texas, United States, without regard to conflict of law principles.

13.2 Binding Arbitration

Any dispute arising out of or relating to these Terms or the Service shall be resolved through binding arbitration administered by the American Arbitration Association under its Commercial Arbitration Rules. Arbitration shall take place in Austin, Texas. Judgment on the arbitration award may be entered in any court of competent jurisdiction.

13.3 Class Action Waiver

You agree that any dispute shall be conducted only on an individual basis and not as a class, collective, or representative action. You waive any right to participate in class proceedings.

13.4 Exceptions

Either party may seek injunctive relief in a court of competent jurisdiction for the following: (a) intellectual property infringement, (b) breach of confidentiality, or (c) protection of confidential information. Small claims court actions are permitted where jurisdictional requirements are met.

13.5 Time Limit

Any claim arising out of or related to these Terms must be filed within one (1) year of the cause of action arising. Otherwise, such claim is permanently barred.

14. General Provisions

14.1 Entire Agreement

These Terms, together with our Privacy Policy and any other agreements expressly incorporated by reference, constitute the entire agreement between you and ClaimFlow regarding the Service.

14.2 Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions shall remain in full force and effect.

14.3 Waiver

Our failure to enforce any right or provision of these Terms shall not be deemed a waiver of such right or provision. Any waiver must be in writing and signed by an authorized representative of ClaimFlow.

14.4 Assignment

You may not assign or transfer these Terms, by operation of law or otherwise, without our prior written consent. We may freely assign these Terms in connection with a merger, acquisition, or sale of assets.

14.5 Force Majeure

Neither party shall be liable for any failure to perform due to causes beyond its reasonable control, including acts of God, natural disasters, war, terrorism, riots, embargoes, acts of civil or military authorities, fire, floods, accidents, strikes, or shortages of transportation, facilities, fuel, energy, labor, or materials.

14.6 Notices

Any notices to you may be made via email (to the address associated with your account) or by posting to the Service. Notices to ClaimFlow must be sent to: [email protected]

14.7 Relationship of Parties

These Terms do not create any agency, partnership, joint venture, or employment relationship between you and ClaimFlow.

14.8 Third-Party Beneficiaries

There are no third-party beneficiaries to these Terms.

15. Changes to Terms

We may modify these Terms from time to time. We will notify you of material changes by posting a notice on the Service or by sending you an email at least 30 days before the changes take effect. Your continued use of the Service after the effective date of any changes constitutes your acceptance of the updated Terms. If you do not agree to the updated Terms, you must stop using the Service.

16. Contact Information

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

• Email: [email protected]
• General Support: [email protected]
• Contact Page: tryclaimflow.com/contact

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