Terms of Service
Last updated: April 2025
1. Agreement to Terms
By accessing or using ClaimGuardian's services, you agree to be bound by these Terms of Service. If you disagree with any part of the terms, you may not access the service.
2. Description of Service
ClaimGuardian provides an AI-driven insurance claims management platform that helps users manage their insurance policies, submit claims, and track claim progress. Our service includes policy analysis, document management, and communication tools.
3. User Accounts
When you create an account with us, you must provide accurate, complete, and current information. You are responsible for safeguarding the password and for all activities that occur under your account.
You agree to notify us immediately of any unauthorized use of your account or any other breach of security. We cannot and will not be liable for any loss or damage arising from your failure to comply with this instruction.
4. User Content
Our service allows you to upload, store, and share content, including insurance policies, claim documents, and communication records. You retain all rights to your content, but you grant us a license to use this content to provide and improve our services.
You are solely responsible for the content you upload and share through our service. You represent and warrant that you own or have the necessary permissions to use and authorize us to use your content.
5. AI Analysis and Limitations
Our service includes AI-powered analysis of insurance policies and claim documents. While we strive for accuracy, you acknowledge that:
- AI analysis is provided as a tool and should not replace professional advice
- The accuracy of analysis depends on the quality of documents provided
- We do not guarantee complete accuracy of all AI-generated insights
- You should always verify important coverage details with your insurer
6. Prohibited Uses
You agree not to use our service:
- For any unlawful purpose or to violate any laws
- To submit fraudulent claims or false information
- To infringe upon or violate our intellectual property rights or those of others
- To harass, abuse, or harm another person
- To impersonate or misrepresent your affiliation with any person or entity
7. Termination
We may terminate or suspend your account and access to our service immediately, without prior notice or liability, for any reason, including, without limitation, if you breach the Terms.
8. Limitation of Liability
In no event shall ClaimGuardian, nor its directors, employees, partners, agents, suppliers, or affiliates, be liable for any indirect, incidental, special, consequential, or punitive damages, including without limitation, loss of profits, data, use, goodwill, or other intangible losses, resulting from your access to or use of or inability to access or use the service.
9. Changes to Terms
We reserve the right, at our sole discretion, to modify or replace these Terms at any time. It is your responsibility to review these Terms periodically for changes. Your continued use of our service following the posting of any changes constitutes acceptance of those changes.
10. Contact Us
If you have questions about these Terms of Service, please contact us at:
legal@claimguardian.com
123 Insurance Way
Protection City, ST 12345