Disclaimers

General Disclaimer

The information provided by ClaimLedger AI is for general informational and organizational purposes only. All information on the Service is provided in good faith; however, we make no representation or warranty of any kind, express or implied, regarding the accuracy, adequacy, validity, reliability, availability, or completeness of any information on the Service.

Not Professional Advice

No Legal Advice

ClaimLedger AI is not a law firm and does not provide legal advice. The Service does not replace the advice of an attorney. For legal questions regarding your insurance claim, you should consult with a licensed attorney in your jurisdiction.

No Financial Advice

The information provided through ClaimLedger AI is not intended as financial advice. We do not provide recommendations on financial decisions, investments, or insurance coverage. Consult with a qualified financial advisor for personalized financial guidance.

No Insurance Advice

ClaimLedger AI does not provide insurance advice or act as an insurance adjuster, public adjuster, or insurance professional. We are a software tool to help you organize your claim information. For questions about your insurance policy or coverage, contact your insurance company or a licensed insurance professional.

No Guarantee of Claim Approval

Use of ClaimLedger AI does not guarantee that your insurance claim will be approved, paid in full, or processed in any particular manner. Insurance claim outcomes depend on your specific policy, coverage limits, circumstances, and the decisions of your insurance company.

AI-Generated Content Disclaimer

Accuracy of AI Features

ClaimLedger AI uses artificial intelligence and machine learning technologies to provide features such as:

• Optical Character Recognition (OCR) for receipt scanning
• Policy document parsing and analysis
• Item valuation suggestions
• Expense categorization

AI-generated content may contain errors, inaccuracies, or incomplete information. You are solely responsible for reviewing, verifying, and validating all AI-generated suggestions before using them in your insurance claim.

User Responsibility

You must:

• Review all AI-generated valuations for accuracy
• Verify all OCR-scanned receipt data
• Confirm all categorizations and classifications
• Cross-reference policy parsing results with your actual policy
• Make final decisions independently

No Replacement for Human Judgment

AI features are designed to assist and save time—not to replace your judgment or professional advice. Always apply critical thinking and consult professionals when appropriate.

Data and Documentation Disclaimer

Your Responsibility for Data Accuracy

You are solely responsible for the accuracy and completeness of all information, documents, receipts, photos, and data you upload to ClaimLedger AI. We do not verify the truthfulness or accuracy of your User Content.

Document Retention

While we strive to securely store your data, you should maintain your own backup copies of all important documents, receipts, and photos. Do not rely solely on ClaimLedger AI as your only record-keeping system.

No Guarantee of Data Preservation

Although we implement security measures and backup systems, we cannot guarantee that your data will never be lost, corrupted, or become unavailable due to technical failures, cyberattacks, or other unforeseen circumstances.

Valuation and Depreciation Disclaimer

Suggested Valuations

Any valuation suggestions provided by ClaimLedger AI (whether AI-generated or from our database) are estimates only and should not be relied upon as definitive values. Actual replacement costs, depreciation, and item values may vary significantly.

Depreciation Calculations

Depreciation calculations are approximations based on general assumptions. Your insurance policy may use different depreciation methods, percentages, or rules. Always refer to your policy or consult your insurance adjuster for accurate depreciation information.

Insurance Company Determination

The final determination of item values, depreciation, and claim amounts rests with your insurance company, not ClaimLedger AI.

Third-Party Content and Links

External Links

The Service may contain links to third-party websites or services that are not owned or controlled by ClaimLedger AI. We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party sites or services.

Third-Party Integrations

ClaimLedger AI may integrate with third-party services for payment processing, cloud storage, AI processing, and other functionalities. We are not responsible for the performance, security, or policies of these third-party services.

Service Availability Disclaimer

No Guarantee of Uptime

We strive to maintain continuous service availability, but we do not guarantee that the Service will be available at all times. The Service may be unavailable due to:

• Scheduled maintenance
• Technical issues or server failures
• Internet connectivity problems
• Cyberattacks or security incidents
• Force majeure events

Changes to Service

We reserve the right to modify, suspend, or discontinue any aspect of the Service at any time, with or without notice, and without liability to you.

Limitation of Warranties

"As Is" Service

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO:

• Implied warranties of merchantability
• Fitness for a particular purpose
• Non-infringement
• Accuracy or completeness of content
• Uninterrupted or error-free operation

No Professional Relationship

Use of ClaimLedger AI does not create any attorney-client, advisor-client, or other professional relationship between you and ClaimLedger AI or its affiliates.

Limitation of Liability

No Liability for Claim Outcomes

ClaimLedger AI shall not be liable for any claim denials, payment reductions, delays, or other adverse outcomes related to your insurance claim.

No Liability for Data Loss

We are not liable for any loss of data, documents, or information uploaded to the Service, whether due to technical failure, user error, or other causes.

No Liability for AI Errors

We are not liable for errors, omissions, or inaccuracies in AI-generated content, including incorrect valuations, miscategorizations, or OCR mistakes.

Maximum Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, OUR TOTAL LIABILITY TO YOU FOR ALL CLAIMS SHALL NOT EXCEED THE AMOUNT YOU PAID US IN THE TWELVE MONTHS PRECEDING YOUR CLAIM.

User Conduct Disclaimer

No Encouragement of Fraud

ClaimLedger AI does not encourage, condone, or facilitate insurance fraud. Users must provide truthful and accurate information to their insurance companies. Submitting false or fraudulent claims is illegal and may result in criminal prosecution.

Compliance with Insurance Policy

You are responsible for complying with all terms and conditions of your insurance policy, including deadlines, documentation requirements, and claim submission procedures.

Jurisdictional Disclaimer

Variations by Jurisdiction

Insurance laws, regulations, and practices vary by jurisdiction. ClaimLedger AI is a general tool and may not account for specific requirements in your state, province, or country.

International Use

We make no representation that the Service is appropriate or available for use outside of [Your Primary Jurisdiction]. If you access the Service from other locations, you do so at your own risk and are responsible for compliance with local laws.

Updates to Disclaimers

We may update these Disclaimers from time to time. We will notify you of material changes by posting the updated Disclaimers on this page and updating the "Last Updated" date. Your continued use of the Service after such changes constitutes acceptance of the updated Disclaimers.

Contact Information

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

Email: legal@claimledger.ai
Address: ClaimLedger AI
[Your Company Address]