Terms of Service

Effective date: March 22, 2026

These Terms of Service ("Terms") govern your access to and use of the ClaimTightAI service (the "Service") operated by ClaimTightAI ("we," "us," or "our"). By accessing or using the Service, you agree to be bound by these Terms. If you do not agree to these Terms, do not use the Service.

1. Service Description

ClaimTightAI is an AI-powered claims documentation assembly service designed for public adjusters and restoration companies. The Service allows you to upload claim-related documents — including photos, receipts, estimates, and field notes — which are processed by artificial intelligence to generate professional, carrier-ready claims documentation packages.

The Service produces outputs including organized photo grids, itemized loss summaries, claim narratives, and indexed supporting documents. These outputs are generated using AI and are intended to assist you in preparing claims documentation. You are responsible for reviewing all AI-generated output for accuracy and completeness before submission to any insurance carrier or other party.

2. Eligibility

You must be at least 18 years old and have the legal capacity to enter into these Terms. By using the Service, you represent and warrant that you meet these requirements.

3. Your Use of the Service

Acceptable Use

You agree to use the Service only for its intended purpose of claims documentation assembly. You agree not to:

• Use the Service for any unlawful purpose or in violation of any applicable laws or regulations
• Upload fraudulent, falsified, or intentionally misleading documents or information
• Attempt to reverse engineer, decompile, or disassemble any part of the Service
• Interfere with or disrupt the Service or servers or networks connected to the Service
• Use the Service to generate documentation for fraudulent insurance claims
• Share your access to the Service with unauthorized third parties
• Use automated means (bots, scrapers, etc.) to access the Service without our prior written consent

Your Content

You retain ownership of all documents, photos, and other materials you upload to the Service ("Your Content"). By uploading Your Content, you grant us a limited, non-exclusive license to process, store, and transmit Your Content solely for the purpose of providing the Service to you.

You represent and warrant that you have all necessary rights and permissions to upload Your Content and that Your Content does not violate the rights of any third party.

4. AI-Generated Output

The claims documentation packages generated by the Service ("Output") are produced using artificial intelligence, including the Anthropic Claude API. You acknowledge and agree that:

• AI-generated Output may contain errors, omissions, or inaccuracies
• You are solely responsible for reviewing, verifying, and approving all Output before use
• The Output is not a substitute for professional judgment, legal advice, or expert analysis
• We do not guarantee the accuracy, completeness, or suitability of any Output for any particular purpose
• You are solely responsible for any claims documentation you submit to insurance carriers or other parties, regardless of whether it was generated by the Service

5. Pricing and Payment

The Service is offered under subscription plans as described on our website. Pricing is subject to change with reasonable notice. All fees are non-refundable except as required by applicable law or as otherwise stated in our refund policy.

We reserve the right to modify our pricing structure at any time. Changes to pricing will be communicated to existing subscribers at least 30 days before taking effect.

6. Intellectual Property

Our Intellectual Property

The Service, including its design, features, functionality, software, and documentation, is owned by ClaimTightAI and is protected by intellectual property laws. You may not copy, modify, distribute, or create derivative works based on the Service without our prior written consent.

Your Intellectual Property

You retain all rights to Your Content. The Output generated from Your Content is provided to you for your use. We claim no ownership over the Output generated from your specific uploaded materials.

7. Confidentiality

We understand that the documents you upload may contain sensitive and confidential information. We will treat Your Content as confidential and will not disclose it to third parties except as necessary to provide the Service (such as processing through the Anthropic Claude API) or as required by law.

8. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW:

• THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.
• IN NO EVENT SHALL CLAIMTIGHTAI BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, DATA, BUSINESS OPPORTUNITIES, OR GOODWILL, ARISING OUT OF OR RELATED TO YOUR USE OF THE SERVICE.
• OUR TOTAL AGGREGATE LIABILITY FOR ALL CLAIMS ARISING OUT OF OR RELATED TO THESE TERMS OR THE SERVICE SHALL NOT EXCEED THE TOTAL AMOUNT YOU PAID TO US IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM.
• WE ARE NOT LIABLE FOR ANY DAMAGES ARISING FROM YOUR RELIANCE ON AI-GENERATED OUTPUT, YOUR SUBMISSION OF DOCUMENTATION TO INSURANCE CARRIERS, OR ANY CLAIM OUTCOMES.

9. Indemnification

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

• Your use of the Service
• Your Content or any documentation you submit based on the Output
• Your violation of these Terms
• Your violation of any applicable law or the rights of any third party

10. Termination

We may suspend or terminate your access to the Service at any time, with or without cause, and with or without notice. You may stop using the Service at any time.

Upon termination:

• Your right to use the Service will immediately cease
• We may delete Your Content and any associated Output after a reasonable period (typically 30 days)
• Provisions that by their nature should survive termination will survive, including Sections 6, 8, 9, 11, and 12

11. Governing Law and Dispute Resolution

These Terms shall be governed by and construed in accordance with the laws of the State of Florida, without regard to its conflict of law provisions.

Any dispute arising out of or relating to these Terms or the Service shall be resolved in the state or federal courts located in the State of Florida, and you consent to the personal jurisdiction and venue of such courts.

12. General Provisions

Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and ClaimTightAI regarding the Service.

Severability

If any provision of these Terms is found to be unenforceable, the remaining provisions will continue in full force and effect.

Waiver

Our failure to enforce any provision of these Terms does not constitute a waiver of that provision or any other provision.

Assignment

You may not assign or transfer these Terms without our prior written consent. We may assign these Terms without restriction.

Modifications

We reserve the right to modify these Terms at any time. Material changes will be communicated by posting the updated Terms on this page with a revised effective date. Your continued use of the Service after any changes constitutes your acceptance of the updated Terms.

13. Contact Us

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

ClaimTightAI
Email: info@claimtightai.com