Terms of Service

The terms and conditions for using ClaimLedger AI

Last Updated: February 7, 2026

Version 1.0

Last Revised: February 7, 2026

These Terms of Service ("Terms") constitute a binding agreement between you ("User," "you," or "your") and ClaimLedger AI ("Company," "we," "us," or "ClaimLedger AI"). These Terms govern your use of the ClaimLedger AI software platform, including our web application, mobile applications (iOS and Android), and all related documentation (collectively, the "Platform"). The Platform is licensed, not sold, to you.

BY CLICKING "AGREE," "ACCEPT," OR ANY EQUIVALENT CONFIRMATION BUTTON, CREATING AN ACCOUNT, DOWNLOADING OUR MOBILE APPLICATION, AND/OR ACCESSING OR USING THE PLATFORM, YOU:

  1. ACKNOWLEDGE THAT YOU HAVE READ AND UNDERSTAND THIS AGREEMENT;
  2. REPRESENT THAT YOU ARE 18 YEARS OF AGE OR OLDER/OF LEGAL AGE TO ENTER INTO A BINDING AGREEMENT; AND
  3. ACCEPT THIS AGREEMENT AND AGREE THAT YOU ARE LEGALLY BOUND BY ITS TERMS.

IF YOU DO NOT AGREE TO THESE TERMS, DO NOT ACCESS OR USE THE PLATFORM.

About ClaimLedger AI and the Platform

The Platform, including ClaimLedger AI's website, mobile applications (available for iOS and Android devices), and any other web-based or mobile products or services that ClaimLedger AI offers, is a software platform through which users can manage insurance claims, track expenses, maintain content inventories, and engage in related claims management activities.

ClaimLedger AI and the Platform are not:

  • A law firm or an attorney providing you with legal advice
  • An insurance adjuster or public adjuster
  • An insurance agent or broker
  • A software platform that can operate effectively without user engagement and verification
  • A guarantee of any specific insurance claim outcome

Disclaimers and Compliance

No Guarantee of Outcomes

The Platform is provided as a tool to assist with insurance claims management only. ClaimLedger AI does not guarantee any specific outcome for any insurance claim processed using the Platform. Results may vary based on numerous factors outside of ClaimLedger AI's control, including but not limited to: policy terms, claim circumstances, insurance carrier practices, applicable laws, and user inputs. The Platform does not provide legal advice, and outputs from the Platform should not be construed as legal opinions or recommendations.

User Compliance Responsibilities

You acknowledge and agree that you are solely responsible for ensuring that your use of the Platform complies with all applicable insurance regulations, consumer protection laws, and other legal requirements in your jurisdiction. The Platform does not automatically ensure regulatory compliance, and ClaimLedger AI makes no representations that use of the Platform will satisfy all legal and regulatory requirements applicable to your specific situation.

Prohibited Activities

You expressly agree not to use the Platform to:

  • Engage in any fraudulent or deceptive insurance practices;
  • Misrepresent facts or circumstances related to insurance claims;
  • Manipulate data or information to obtain improper outcomes;
  • Violate any insurance regulations or consumer protection laws;
  • Process claims in a manner that could constitute bad faith insurance practices;
  • Submit false, fraudulent, or inflated claims to insurance companies;
  • Otherwise utilize the Platform in ways that could harm consumers, claimants, or insurance companies.

Violation of this section may result in immediate termination of your access to the Platform, in addition to any other remedies available to ClaimLedger AI under law or equity.

Fair Business Practices

ClaimLedger AI is committed to fair and ethical business practices. Nothing in these Terms is intended to limit your rights under consumer protection laws or regulations prohibiting unfair, deceptive, or abusive acts or practices. You acknowledge that the Platform is a tool to assist with insurance claims management, but does not replace professional judgment, legal counsel, or expert appraisal services.

If you believe any aspect of our service constitutes an unfair or deceptive practice, please contact us immediately at legal@claimledger.ai.

ClaimLedger AI reserves the right to terminate access to the Platform for any user who utilizes the Platform in a manner that could constitute an unfair or deceptive trade practice or otherwise violates applicable laws or regulations.

Changes to These Terms

We may revise and update these Terms from time to time in our sole discretion. We will always post the most current version of these Terms on our website and make it accessible within the Platform and mobile applications. We will notify you of any material changes to the Platform within a reasonable amount of time from such change. By continuing to use or access the Platform after any revisions come into effect, you agree to be bound by the revised Terms. If you do not wish to be bound by these Terms after a previous acceptance, please immediately discontinue use of the Platform.

License Grant

Subject to the terms of these Terms and payment of applicable subscription fees, Company grants you a non-exclusive, non-transferable license to access and use the Platform (including downloading and using our mobile applications) for your personal use strictly in accordance with the Platform's documentation and these Terms.

License Restrictions

You will not:

  1. Copy the Platform or mobile applications, except as expressly permitted by this license or by your device's operating system;
  2. Modify, translate, adapt, or otherwise create applications, services, products, works, or improvements in any way derived from the Platform;
  3. Reverse engineer, disassemble, decompile, decode, or otherwise attempt to derive or gain access to the source code of the Platform or any other Company intellectual property;
  4. Use or apply any ideas, features, functions, interfaces, methodologies, or workflows gained through access to or use of the Platform to develop, promote, distribute, sell, or support any product or service that competes with the Platform or any other Company offerings;
  5. Remove, delete, alter, or obscure any trademarks or any copyright, trademark, patent, or other intellectual property or proprietary rights notices from the Platform, including any copy thereof;
  6. Rent, lease, lend, sell, sublicense, assign, distribute, publish, transfer, or otherwise make available the Platform, or any features or functionality of the Platform, to any third party for any reason; or
  7. Remove, disable, circumvent, or otherwise create or implement any workaround to any copy protection, rights management, or security features in or protecting the Platform.

Mobile Application Terms

Mobile Application License

If you access the Platform through our mobile applications, the following additional terms apply:

  • The mobile applications are licensed, not sold, to you for use strictly in accordance with these Terms.
  • The license granted is limited to a non-transferable license to use the mobile application on devices that you own or control as permitted by the applicable app store's usage rules.
  • This license does not allow you to use the mobile application on any device that you do not own or control.
  • You may not distribute or make the mobile application available over a network where it could be used by multiple devices at the same time.

App Store Terms

If you download our mobile application from the Apple App Store or Google Play Store, you acknowledge and agree that:

  • These Terms are between you and ClaimLedger AI only, not with Apple Inc. or Google LLC.
  • Apple and Google have no obligation to provide any maintenance or support services for the mobile application.
  • Apple and Google are not responsible for any product warranties, whether express or implied by law.
  • Apple and Google are not responsible for addressing any claims you have relating to the mobile application.
  • You must comply with applicable third-party terms when using the mobile application (including Apple's App Store Terms of Service and Google Play Terms of Service).

Mobile Data and Permissions

Use of our mobile applications may require data connectivity and may result in data charges from your mobile carrier. You are solely responsible for any data charges incurred through your use of the mobile application.

Our mobile applications may request permission to access certain features of your mobile device, including:

  • Camera (for receipt scanning and photo documentation)
  • Photo library (for uploading claim-related images)
  • Storage (for saving documents and receipts)
  • Notifications (for claim updates and reminders)
  • Location services (optional, for location-based features)

You may grant or deny these permissions at any time through your device settings. Denying certain permissions may limit the functionality of the mobile application.

SMS and Text Messaging

Consent to Receive Text Messages

By providing your mobile phone number and opting in to receive text messages from ClaimLedger AI, you expressly consent to receive automated text messages (SMS/MMS) from us at the phone number you provided. These messages may include:

  • Account notifications and security alerts
  • Claim status updates and reminders
  • Document submission confirmations
  • Service announcements
  • Promotional messages (if you opt in)

Message Frequency and Charges

Message frequency varies depending on your account activity. Standard message and data rates may apply as determined by your mobile carrier. ClaimLedger AI does not charge for text messages, but your carrier's rates will apply.

Opt-Out and Data Removal

You may opt out of receiving text messages at any time by:

  • Replying STOP to any text message from ClaimLedger AI
  • Updating your communication preferences in your account settings
  • Contacting us at support@claimledger.ai

After opting out, you will receive one final confirmation message. You may continue to receive non-marketing text messages related to your account and active claims.

For help or support, reply HELP to any text message or contact us at support@claimledger.ai.

Supported Carriers

Supported carriers include AT&T, T-Mobile, Verizon Wireless, Sprint, and other major U.S. carriers. Carrier coverage may not be available in all areas, and message delivery may be delayed or unavailable during network outages.

Reservation of Rights

You acknowledge and agree that the Platform is provided under license, and not sold, to you. You do not acquire any ownership interest in the Platform under these Terms, or any other rights thereto other than to use the Platform in accordance with the license granted, and subject to all terms, conditions, and restrictions, under these Terms. Title and ownership rights to the Platform shall remain in ClaimLedger AI, and ClaimLedger AI reserves all rights not expressly granted hereunder. Company reserves and shall retain its entire right, title, and interest in and to the Platform, including all copyrights, trademarks, and other intellectual property rights therein or relating thereto, except as expressly granted to you in these Terms.

Feedback

You acknowledge and agree that ClaimLedger AI may use any feedback, suggestions, ideas, concepts, modifications, and information from you related to the Platform ("Feedback") in the development and distribution of new products, services, and/or enhancements thereof. All Feedback will be solely ClaimLedger AI's Confidential Information.

Collection and Use of Your Information

You acknowledge that when you access or use the Platform (including our mobile applications), Company may use automatic means (including cookies, web beacons, device identifiers, and analytics tools) to collect information about your device and about your use of the Platform. You also may be required to provide certain information about yourself as a condition to accessing or using the Platform or certain of its features or functionality. All information we collect through or in connection with the Platform is subject to our Privacy Policy, which can be found at https://claimledgerai.com/privacy-policy. By using and providing information to or through the Platform, you consent to all actions taken by us with respect to your information in compliance with the Privacy Policy.

Data Privacy, Security, and Your Rights

Your Data Ownership

You retain ownership of all data you upload to the Platform. ClaimLedger AI processes your data solely to provide the Platform's services to you.

Data Security Obligations

In using the Platform, you may import or upload personal information protected under data privacy laws. You hereby warrant that you comply with all applicable laws governing your use of this data. To the maximum extent permitted by law, you agree to indemnify, defend, and hold harmless ClaimLedger AI and its officers, directors, employees, agents, affiliates, successors, and assigns from and against any and all losses, damages, liabilities, deficiencies, claims, actions, judgments, settlements, interest, awards, penalties, fines, costs, or expenses of whatever kind, including reasonable attorneys' fees, arising from or relating to your use or misuse of data uploaded to the Platform.

Right to Data Export and Deletion

You have the right to:

  • Export Your Data: Request a copy of all your data in a portable format at any time through your account settings or by contacting privacy@claimledger.ai.
  • Delete Your Data: Request deletion of your personal information and account data at any time. Upon receiving your deletion request, we will delete your data within 30 days, except where retention is required by law.
  • Modify Your Data: Update, correct, or modify your personal information through your account settings.

To exercise these rights, contact us at privacy@claimledger.ai or use the data management tools in your account settings.

Access and Availability

From time to time, we may restrict access to some parts of the Platform, or the entire Platform, to users, including registered users. We will not be liable if for any reason all or any part of the Platform is unavailable at any time or for any period.

Updates

Company may from time to time in its sole discretion develop and provide Platform updates, which may include upgrades, bug fixes, patches, other error corrections, and/or new features (collectively, including related documentation, "Updates"). Updates may also modify or delete in their entirety certain features and functionality. You agree that Company has no obligation to provide any Updates or to continue to provide or enable any particular features or functionality. For mobile applications, you should promptly install all Updates, and you acknowledge and agree that the Platform or portions thereof may not properly operate should you fail to do so. You further agree that all Updates will be deemed part of the Platform and be subject to all terms and conditions of these Terms.

Third-Party Materials

The Platform may display, include, or make available third-party content (including data, information, applications, and other products, services, and/or materials) or provide links to third-party websites or services, including through third-party advertising ("Third-Party Materials"). You acknowledge and agree that Company is not responsible for Third-Party Materials, including their accuracy, completeness, timeliness, validity, copyright compliance, legality, decency, quality, or any other aspect thereof. Company does not assume and will not have any liability or responsibility to you or any other person or entity for any Third-Party Materials. Third-Party Materials and links thereto are provided solely as a convenience to you, and you access and use them entirely at your own risk and subject to such third parties' terms and conditions.

Subscription Fees and Billing

Payment of Fees

Access to and use of the Platform requires payment of subscription fees. Subscription fees are billed in advance on a recurring basis (monthly or annually, as selected by you). You authorize us to charge your payment method for all fees when due.

Refund Policy

Fees are generally non-refundable except as required by law or as explicitly stated in these Terms. If we terminate your subscription for convenience (not for cause), we will refund you the pro-rata portion of any prepaid subscription fees.

Price Changes

We may change our subscription fees with advance notice. Price changes will take effect at the start of your next billing cycle.

Failure to Pay

Failure to pay subscription fees when due may result in suspension or termination of your access to the Platform.

Term and Termination

Term

The term of these Terms commences when you acknowledge your acceptance or begin using the Platform, whichever is first, and will continue in effect until terminated by you or Company as set forth in this section.

Termination by You

You may terminate these Terms by discontinuing use of the Platform, uninstalling any mobile applications, and providing written notice to Company at legal@claimledger.ai.

Termination by Company

If you breach any provision of these Terms, Company shall give you written notice of such breach. If you fail to cure the breach (other than failure to pay) within thirty (30) days, Company shall have the right to terminate these Terms and all licenses and access granted hereunder. If the breach is a failure to pay any amount when due or a violation of confidentiality obligations, Company shall have the right to terminate these Terms upon written notice to you.

Company may terminate these Terms at any time without notice if it ceases to support the Platform. Company shall also have the right to terminate these Terms for any reason or no reason at all with sixty (60) days' notice to you, provided that in the event of such termination for convenience, Company will refund you the pro-rata portion of any prepaid subscription fees.

Effect of Termination

Upon termination: (i) all rights granted to you under these Terms will also terminate; (ii) you must cease all use of the Platform and uninstall all mobile applications; and (iii) we will provide you reasonable time (at least 30 days) to export your data before deletion.

Termination will not limit any of Company's rights or remedies at law or in equity. Obligations relating to payment of amounts owing as of the termination or expiration date shall survive termination of these Terms.

Disclaimer of Warranties

THE PLATFORM IS PROVIDED TO USER "AS IS" AND WITH ALL FAULTS AND DEFECTS WITHOUT WARRANTY OF ANY KIND. TO THE MAXIMUM EXTENT PERMITTED UNDER APPLICABLE LAW, COMPANY, ON ITS OWN BEHALF AND ON BEHALF OF ITS AFFILIATES AND ITS AND THEIR RESPECTIVE LICENSORS AND SERVICE PROVIDERS, EXPRESSLY DISCLAIMS ALL WARRANTIES, EXPRESS, IMPLIED, OR STATUTORY, INCLUDING WITHOUT LIMITATION ANY IMPLIED WARRANTIES OF TITLE, NON-INFRINGEMENT OF THIRD PARTY RIGHTS, MERCHANTABILITY, OR FITNESS FOR A PARTICULAR PURPOSE. NO ORAL OR WRITTEN ADVICE OR CONSULTATION GIVEN BY COMPANY, ITS AGENTS OR EMPLOYEES WILL IN ANY WAY GIVE RISE TO A WARRANTY. WITHOUT LIMITATION TO THE FOREGOING, COMPANY PROVIDES NO WARRANTY OR UNDERTAKING, AND MAKES NO REPRESENTATION OF ANY KIND THAT THE PLATFORM WILL MEET YOUR REQUIREMENTS, ACHIEVE ANY INTENDED RESULTS, BE COMPATIBLE, OR WORK WITH ANY OTHER SOFTWARE, APPLICATIONS, SYSTEMS, OR SERVICES, OPERATE WITHOUT INTERRUPTION, MEET ANY PERFORMANCE OR RELIABILITY STANDARDS, OR BE ERROR-FREE, OR THAT ANY ERRORS OR DEFECTS CAN OR WILL BE CORRECTED.

Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, COMPANY OR ITS LICENSORS SHALL NOT BE LIABLE FOR LOSS OF USE, LOST PROFIT, COST OF COVER, LOSS OF DATA, BUSINESS INTERRUPTION, OR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, PUNITIVE, SPECIAL, OR EXEMPLARY DAMAGES ARISING OUT OF OR RELATED TO THE PLATFORM OR THESE TERMS, HOWEVER CAUSED AND REGARDLESS OF THE FORM OF ACTION, WHETHER IN CONTRACT, TORT (INCLUDING NEGLIGENCE) STRICT LIABILITY, OR OTHERWISE, EVEN IF SUCH PARTIES HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. IN NO EVENT WILL COMPANY'S AGGREGATE CUMULATIVE LIABILITY FOR ANY CLAIMS ARISING OUT OF OR RELATED TO THESE TERMS OR THE PLATFORM EXCEED THE AMOUNT YOU ACTUALLY PAID TO COMPANY IN THE TWELVE (12) MONTHS PRECEDING YOUR CLAIM.

Indemnification

You agree to indemnify, defend, and hold harmless Company and its officers, directors, employees, agents, affiliates, successors, and assigns from and against any and all losses, damages, liabilities, deficiencies, claims, actions, judgments, settlements, interest, awards, penalties, fines, costs, or expenses of whatever kind, including reasonable attorneys' fees, arising from or relating to your use or misuse of the Platform or your breach of these Terms, including but not limited to the content you submit or make available through the Platform.

Dispute Resolution and Arbitration

Informal Resolution

If you have a dispute with us, please contact us first at legal@claimledger.ai to attempt to resolve it informally.

Binding Arbitration

Any disputes that cannot be resolved informally will be resolved through binding arbitration in accordance with the rules of the American Arbitration Association, except where prohibited by law. The arbitration will take place in [Your Jurisdiction], and judgment on the arbitration award may be entered in any court having jurisdiction.

Class Action Waiver

You agree to resolve disputes on an individual basis and waive any right to participate in class action lawsuits or class-wide arbitration.

Export Regulation

The Platform may be subject to US export control laws, including the Export Control Reform Act and its associated regulations. You shall not, directly or indirectly, export, re-export, or release the Platform to, or make the Platform accessible from, any jurisdiction or country to which export, re-export, or release is prohibited by law, rule, or regulation. You shall comply with all applicable federal laws, regulations, and rules, and complete all required undertakings prior to exporting, re-exporting, releasing, or otherwise making the Platform available outside the US.

Force Majeure

Neither party will be responsible for any failure or delay in its performance (other than failure to pay) under these Terms due to causes beyond its reasonable control which makes performance commercially impractical, including but not limited to labor disputes, strikes, lockouts, shortages of or inability to obtain labor, energy, Internet access, raw materials or supplies, war, riot, or act of God.

Severability

If any provision of these Terms is held to be unenforceable, such decision shall not affect the validity or enforceability of all the remaining provisions.

Governing Law and Jurisdiction

These Terms and all matters arising out of or relating to these Terms or the Platform will be governed by and construed in accordance with the laws of [Your State/Jurisdiction], without giving effect to any conflict of laws principles that would cause the laws of any other jurisdiction to apply.

Equitable Remedies

Notwithstanding the foregoing, in the event you breach or threaten to breach the License Restrictions section of these Terms or otherwise harm or threaten to cause harm to the Company or the Platform, you hereby acknowledge and agree that money damages would not afford an adequate remedy and that Company will be entitled to seek a temporary or permanent injunction or other equitable relief restraining such breach or threatened breach from any court of competent jurisdiction without the necessity of showing any actual damages, and without the necessity of posting any bond or other security.

Limitation of Time to File Claims

ANY CAUSE OF ACTION OR CLAIM YOU MAY HAVE ARISING OUT OF OR RELATING TO THESE TERMS OR THE PLATFORM MUST BE COMMENCED WITHIN ONE (1) YEAR AFTER THE CAUSE OF ACTION ACCRUES OTHERWISE SUCH CAUSE OF ACTION OR CLAIM IS PERMANENTLY BARRED.

Assignment

You shall not assign these Terms or any subscription or license granted hereunder for any reason without the prior express written consent of ClaimLedger AI. ClaimLedger AI may assign these Terms to another entity provided that such entity assumes ClaimLedger AI's obligations under these Terms.

Entire Agreement

These Terms and our Privacy Policy constitute the entire understanding between you and Company with respect to the Platform and supersede all prior or contemporaneous understandings and agreements, whether written or oral, with respect to the Platform.

Waiver

No failure to exercise, and no delay in exercising, on the part of either party, any right or any power hereunder shall operate as a waiver thereof, nor shall any single or partial exercise of any right or power hereunder preclude further exercise of that or any other right hereunder.

Contact Information

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

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