Terms and Conditions

1. Acceptance of Terms

By accessing and using SaveAClaim ("Service"), you accept and agree to be bound by the terms and provisions of this agreement. If you do not agree to these terms, please do not use our Service.

These Terms and Conditions constitute a legally binding agreement between you and SaveAClaim Inc. ("Company", "we", "us", or "our").

2. Description of Service

SaveAClaim is a software-as-a-service platform designed to help contractors and insurance professionals:

• Analyze and compare insurance claim estimates
• Generate AI-powered claim justifications and rebuttals
• Manage claim documentation and communications
• Track claim progress and analytics

The Service is provided on a subscription basis with different tier levels. Features and limitations vary by subscription tier.

3. User Accounts and Registration

3.1 Account Creation

To use the Service, you must create an account by providing accurate and complete information. You agree to:

• Provide accurate, current, and complete information during registration
• Maintain and promptly update your account information
• Maintain the security of your password and account
• Accept all responsibility for activity that occurs under your account
• Notify us immediately of any unauthorized use of your account

3.2 Account Eligibility

You must be at least 18 years old and capable of forming a binding contract to use the Service. By registering, you represent and warrant that you meet these requirements.

3.3 Account Termination

We reserve the right to suspend or terminate your account if you violate these Terms or engage in fraudulent, abusive, or illegal activities.

4. Subscription and Payments

4.1 Subscription Plans

SaveAClaim offers multiple subscription tiers (Starter, Pro, and Enterprise) with varying features and claim limits. Subscription fees are billed monthly in advance.

4.2 Pricing and Payment

All fees are in U.S. dollars and non-refundable except as expressly stated. You authorize us to charge your payment method on a recurring basis until you cancel your subscription.

4.3 Introductory Pricing

New subscribers may receive introductory pricing for the first 30 days. After the introductory period, standard monthly pricing applies unless you cancel before the period ends.

4.4 Cancellation

You may cancel your subscription at any time. Cancellations take effect at the end of the current billing period. No refunds are provided for partial months.

4.5 Price Changes

We reserve the right to modify subscription pricing with 30 days advance notice. Continued use of the Service after price changes constitutes acceptance of new pricing.

5. Acceptable Use Policy

You agree not to use the Service to:

• Violate any applicable laws or regulations
• Infringe upon intellectual property rights of others
• Upload malicious code, viruses, or harmful content
• Attempt to gain unauthorized access to our systems
• Interfere with or disrupt the Service or servers
• Use the Service for fraudulent insurance claims
• Impersonate any person or entity
• Collect or harvest information about other users
• Use automated systems to access the Service without permission

6. Intellectual Property Rights

6.1 Our Intellectual Property

The Service, including all content, features, functionality, software, and design, is owned by SaveAClaim Inc. and protected by copyright, trademark, and other intellectual property laws.

6.2 Your Content

You retain ownership of all content you upload to the Service (claims, estimates, documents, etc.). By uploading content, you grant us a limited license to process, store, and display your content solely to provide the Service.

6.3 AI-Generated Content

Content generated by our AI tools (justifications, rebuttals, emails) is provided to you for your use. You are responsible for reviewing and ensuring the accuracy of AI-generated content before use.

7. Data and Privacy

Your use of the Service is subject to our Privacy Policy, which is incorporated into these Terms by reference. Please review our Privacy Policy to understand our data practices.

We implement industry-standard security measures to protect your data. However, no method of transmission or storage is 100% secure, and we cannot guarantee absolute security.

8. Disclaimers and Limitations

8.1 Service "As Is"

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

8.2 No Professional Advice

SaveAClaim provides tools and resources but does not provide legal, financial, or professional insurance advice. AI-generated content is for informational purposes only and should not be relied upon without independent verification.

8.3 No Guarantee of Results

We do not guarantee that using our Service will result in successful insurance claims, increased settlements, or any specific outcomes. Results depend on many factors outside our control.

8.4 Service Availability

We strive to maintain continuous service availability but do not guarantee uninterrupted access. We may suspend the Service for maintenance, updates, or unforeseen circumstances.

9. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, SAVEACLAIM INC. SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS OR REVENUES, WHETHER INCURRED DIRECTLY OR INDIRECTLY, OR ANY LOSS OF DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES.

OUR TOTAL LIABILITY TO YOU FOR ALL CLAIMS ARISING FROM OR RELATED TO THE SERVICE SHALL NOT EXCEED THE AMOUNT YOU PAID TO US IN THE 12 MONTHS PRECEDING THE CLAIM.

10. Indemnification

You agree to indemnify, defend, and hold harmless SaveAClaim Inc., its officers, directors, employees, and agents from any claims, liabilities, damages, losses, and expenses (including legal fees) arising from your use of the Service, violation of these Terms, or infringement of any third-party rights.

11. Modifications to Terms

We reserve the right to modify these Terms at any time. We will notify users of material changes via email or through the Service. Continued use of the Service after changes constitutes acceptance of the modified Terms.

It is your responsibility to review these Terms periodically for updates.

12. Termination

Either party may terminate this agreement at any time. Upon termination:

• Your access to the Service will cease immediately
• You remain responsible for any outstanding fees
• We may delete your data according to our data retention policy
• Provisions that should survive termination (payment obligations, liability limitations, etc.) will remain in effect

13. Governing Law and Disputes

13.1 Governing Law

These Terms are governed by the laws of the State of Delaware, United States, without regard to conflict of law principles.

13.2 Dispute Resolution

Any disputes arising from these Terms or the Service shall first be attempted to be resolved through good faith negotiation. If negotiation fails, disputes shall be resolved through binding arbitration in accordance with the American Arbitration Association rules.

13.3 Class Action Waiver

You agree that any arbitration or proceeding shall be limited to the dispute between you and SaveAClaim Inc. individually. You waive any right to participate in a class action lawsuit or class-wide arbitration.

14. Miscellaneous

14.1 Entire Agreement

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

14.2 Severability

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

14.3 Waiver

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

14.4 Assignment

You may not assign or transfer these Terms without our written consent. We may assign our rights and obligations without restriction.

15. Contact Us

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