Terms of Service

claimOS Terms of Service

Effective Date: April 8, 2026  ·  Last Updated: April 8, 2026

1. Acceptance of Terms

1.1 Agreement

These Terms of Service ("Terms") constitute a legally binding agreement between you ("you," "your," or "User") and claimOS LLC ("claimOS," "we," "us," or "our") governing your access to and use of the claimOS platform available at claimos.net, including all associated features, tools, APIs, and documentation (collectively, the "Platform" or "Services").

By creating an account, accessing the Platform, or using any of the Services, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy, which is incorporated herein by reference. If you do not agree to these Terms, you must not access or use the Services.

1.2 Eligibility

To use the Services, you must:

• Be at least eighteen (18) years of age
• Have the legal capacity to enter into a binding contract
• If accessing the Services on behalf of an organization, be duly authorized by that organization to accept these Terms and bind the organization to them

By using the Services, you represent and warrant that you meet all eligibility requirements. If you are using the Services on behalf of an organization, references to "you" in these Terms include both you individually and the organization you represent.

1.3 Authority to Bind Organization

If you are accepting these Terms on behalf of your employer, company, or other legal entity (the "Customer"), you represent and warrant that you have the authority to bind that entity to these Terms. In such cases, "you" and "your" shall refer to the Customer.

2. Account Registration and Responsibilities

2.1 Account Creation

To access the Platform, you must create an account by providing accurate, current, and complete information as prompted during the registration process. You agree to update your account information promptly to keep it accurate and complete.

2.2 Account Security

You are responsible for:

• Maintaining the confidentiality of your login credentials
• All activities that occur under your account, whether or not authorized by you
• Implementing reasonable security measures, including the use of strong passwords and, where available, multi-factor authentication
• Notifying claimOS immediately at legal@claimos.net if you become aware of any unauthorized access to or use of your account

claimOS will not be liable for any loss or damage arising from your failure to protect your account credentials.

2.3 Account Administration

If your account is part of an organizational subscription, the designated administrator for your organization may have the ability to access, manage, restrict, or terminate your account. Your use of the Services may also be subject to your organization's internal policies and procedures.

3. Subscription, Billing, and Payment

3.1 Subscription Plans

The Services are provided on a subscription basis under a software-as-a-service ("SaaS") model. Available plans, features, and per-seat pricing are described on our website and in the applicable order form or subscription agreement.

3.2 Free Trial

claimOS may offer a fourteen (14) day free trial period for new accounts. During the trial period, you will have access to the features specified for your selected plan. Unless you subscribe to a paid plan before the trial expires, your access to the Platform will be suspended at the end of the trial period, and any data entered during the trial may be subject to deletion in accordance with our data retention policies.

3.3 Billing and Payment

• Subscription fees are billed in advance on a monthly or annual basis, as selected at the time of purchase.
• Per-seat pricing applies based on the number of active user seats provisioned under your account.
• All fees are quoted and payable in United States dollars (USD) unless otherwise stated in your order form.
• Payment is due on the date specified in your invoice. Overdue amounts may accrue interest at the rate of one and one-half percent (1.5%) per month, or the maximum rate permitted by applicable law, whichever is less.
• All fees are exclusive of applicable taxes. You are responsible for all taxes, duties, and levies arising from your subscription, excluding taxes based on claimOS's net income.

3.4 Price Changes

claimOS reserves the right to modify subscription pricing. We will provide at least thirty (30) days' prior written notice of any price increase. Price changes will take effect at the beginning of your next billing cycle following the notice period. Your continued use of the Services after a price change constitutes your acceptance of the new pricing.

3.5 Cancellation and Refunds

• You may cancel your subscription at any time through the Platform's account settings or by contacting us at legal@claimos.net.
• Cancellations take effect at the end of the current billing period. You will retain access to the Services until the end of that period.
• Fees already paid are non-refundable, except where required by applicable law or as otherwise stated in your order form.
• Upon cancellation, you may request an export of your data in accordance with Section 6 of these Terms.

4. Permitted Use

4.1 License Grant

Subject to your compliance with these Terms and payment of applicable fees, claimOS grants you a limited, non-exclusive, non-transferable, non-sublicensable, revocable license to access and use the Platform solely for your internal business purposes related to insurance claims management and associated professional activities.

4.2 Acceptable Use

You agree to use the Services only for lawful purposes and in accordance with these Terms. You may use the Platform to create, manage, process, and track insurance claims; generate estimates, reports, correspondence, and other claim-related documents; upload, store, and organize claim-related data, photographs, and documentation; facilitate communications and e-signatures related to claims; and utilize AI-powered features for claim analysis, drafting, and workflow automation.

5. Prohibited Conduct

You agree that you will not, and will not permit any third party to:

5.1 Misuse of the Platform

• Use the Services for any unlawful, fraudulent, or deceptive purpose
• Submit false, misleading, or fabricated claim information through the Platform
• Use the Services to harass, abuse, threaten, or violate the rights of any person
• Use the Services in any manner that could damage, disable, overburden, or impair the Platform or interfere with any other party's use of the Services

5.2 Technical Restrictions

• Reverse engineer, decompile, disassemble, or otherwise attempt to derive the source code, algorithms, or underlying architecture of the Platform
• Scrape, crawl, index, or otherwise systematically extract data from the Platform through automated means
• Circumvent, disable, or interfere with any security features, access controls, or usage limitations of the Platform
• Introduce any virus, malware, trojan, worm, or other harmful code into the Platform
• Attempt to gain unauthorized access to any systems, networks, or data associated with the Platform

5.3 Account and Credential Misuse

• Share, transfer, or disclose your account credentials to any unauthorized third party
• Create accounts under false or misleading identities
• Use another user's account without proper authorization
• Use the Platform to access or attempt to access data belonging to other customers or organizations

5.4 Data Misuse

• Use policyholder PII or claim data for any purpose other than legitimate claims management activities
• Export or transfer data from the Platform in violation of applicable privacy laws or your obligations to policyholders
• Use data obtained through the Platform for unsolicited marketing, advertising, or other purposes unrelated to claims management

6. Intellectual Property

6.1 claimOS Intellectual Property

The Platform, including all software, code, algorithms, AI models, user interfaces, designs, trademarks, service marks, trade names, logos, documentation, and all other intellectual property embodied in or associated with the Services, is and shall remain the exclusive property of claimOS or its licensors. These Terms do not grant you any right, title, or interest in the Platform or its intellectual property, except for the limited license expressly set forth in Section 4.1.

6.2 Customer Data Ownership

As between you and claimOS, you (or your organization) retain all rights, title, and interest in and to all data, content, documents, photographs, and other materials that you or your users upload, create, or process through the Platform ("Customer Data"). claimOS does not claim any ownership interest in Customer Data.

6.3 License to Customer Data

You grant claimOS a limited, non-exclusive, worldwide license to access, use, process, store, reproduce, and display Customer Data solely to the extent necessary to provide, maintain, and improve the Services and to fulfill our obligations under these Terms. This license terminates upon deletion of your Customer Data or termination of your account, subject to our data retention policies.

6.4 Feedback

If you provide claimOS with feedback, suggestions, ideas, or recommendations regarding the Platform ("Feedback"), you grant claimOS an unrestricted, irrevocable, perpetual, royalty-free license to use, modify, and incorporate such Feedback into the Services without any obligation or compensation to you.

7. Artificial Intelligence Features

7.1 Nature of AI Features

The Platform incorporates artificial intelligence and machine learning capabilities ("AI Features") designed to assist you in claims management activities, including but not limited to damage assessment, document analysis, estimate generation, and narrative drafting. You acknowledge and agree that AI Features are assistive tools intended to augment, not replace, your professional judgment; outputs generated by AI Features may contain inaccuracies, errors, or omissions; and you are solely responsible for reviewing, verifying, and approving all AI-generated outputs before relying on them or incorporating them into any claim, report, correspondence, or submission.

7.2 No Professional Advice

AI-generated outputs do not constitute and shall not be construed as legal advice, financial advice, insurance advice, or any other form of professional counsel. You should consult with qualified professionals as appropriate for your specific circumstances.

7.3 AI Data Processing

claimOS processes Customer Data using AI Features solely to deliver the functionality of the Platform to you. AI processing occurs within the Platform environment and is performed to fulfill our obligations under these Terms. claimOS does not use Customer Data to train, develop, or improve general-purpose AI or machine learning models. AI processing is subject to the same security, confidentiality, and data protection measures that apply to all Customer Data as described in our Privacy Policy.

7.4 AI Feature Availability

AI Features may be modified, improved, or discontinued at any time. claimOS will use commercially reasonable efforts to notify you of material changes to AI Features that may affect your use of the Services.

8. Confidentiality

8.1 Confidential Information

Each party acknowledges that it may receive confidential or proprietary information from the other party ("Confidential Information"). Confidential Information includes, without limitation, Customer Data, business strategies, technical specifications, pricing information, and any information designated as confidential.

8.2 Obligations

The receiving party agrees to: (a) maintain the confidentiality of the disclosing party's Confidential Information using at least the same degree of care it uses to protect its own confidential information, but in no event less than reasonable care; (b) not disclose Confidential Information to any third party except as permitted under these Terms; and (c) use Confidential Information solely for the purposes contemplated by these Terms.

8.3 Exceptions

Confidential Information does not include information that: (a) is or becomes publicly available through no fault of the receiving party; (b) was known to the receiving party prior to disclosure; (c) is independently developed by the receiving party without use of the disclosing party's Confidential Information; or (d) is disclosed pursuant to a legal obligation, provided the receiving party gives prompt notice to the disclosing party where legally permitted.

9. Warranties and Disclaimers

9.1 Limited Warranty

claimOS warrants that the Services will perform materially in accordance with the applicable documentation during the term of your subscription. If the Services fail to conform to this warranty, claimOS will, at its sole discretion, use commercially reasonable efforts to correct the nonconformity or provide a reasonable workaround.

9.2 Disclaimer of Warranties

EXCEPT FOR THE EXPRESS WARRANTY SET FORTH IN SECTION 9.1, THE SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE." TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, CLAIMOS DISCLAIMS ALL WARRANTIES, WHETHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE, INCLUDING WITHOUT LIMITATION ANY WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, ACCURACY, RELIABILITY, OR AVAILABILITY. CLAIMOS DOES NOT WARRANT THAT THE SERVICES WILL BE UNINTERRUPTED, ERROR-FREE, SECURE, OR FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.

9.3 Third-Party Services

claimOS does not warrant and shall not be responsible for the accuracy, availability, or reliability of any third-party services, data, or integrations used in connection with the Platform, including weather data providers, e-signature services, and payment processors.

10. Limitation of Liability

10.1 Exclusion of Consequential Damages

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL CLAIMOS OR ITS AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, OR LICENSORS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, PUNITIVE, OR EXEMPLARY DAMAGES, INCLUDING WITHOUT LIMITATION DAMAGES FOR LOSS OF PROFITS, REVENUE, GOODWILL, DATA, BUSINESS OPPORTUNITIES, OR OTHER INTANGIBLE LOSSES, ARISING OUT OF OR IN CONNECTION WITH THESE TERMS OR THE USE OF OR INABILITY TO USE THE SERVICES, EVEN IF CLAIMOS HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

10.2 Cap on Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE TOTAL AGGREGATE LIABILITY OF CLAIMOS AND ITS AFFILIATES ARISING OUT OF OR IN CONNECTION WITH THESE TERMS OR THE SERVICES SHALL NOT EXCEED THE TOTAL AMOUNT OF FEES PAID BY YOU TO CLAIMOS DURING THE TWELVE (12) MONTH PERIOD IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO THE CLAIM.

10.3 Basis of the Bargain

THE LIMITATIONS AND EXCLUSIONS IN THIS SECTION 10 REFLECT A FAIR AND REASONABLE ALLOCATION OF RISK BETWEEN THE PARTIES AND ARE A FUNDAMENTAL BASIS OF THE BARGAIN BETWEEN YOU AND CLAIMOS. CLAIMOS WOULD NOT PROVIDE THE SERVICES WITHOUT THESE LIMITATIONS.

11. Indemnification

11.1 Your Indemnification Obligations

You agree to indemnify, defend, and hold harmless claimOS and its affiliates, officers, directors, employees, agents, and licensors from and against any and all claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys' fees and costs) arising out of or relating to your use of the Services in violation of these Terms; your violation of any applicable law, regulation, or third-party right; any Customer Data you upload, create, or process through the Platform; any claim brought by a policyholder, insurer, or other third party arising from your use of the Services or your professional activities; and your reliance on AI-generated outputs without appropriate professional review and verification.

11.2 claimOS Indemnification

claimOS will indemnify, defend, and hold harmless you and your organization from and against any third-party claim that the Platform, as provided by claimOS, infringes or misappropriates a valid United States patent, copyright, or trade secret, subject to the following conditions: (a) you promptly notify claimOS in writing of the claim; (b) you grant claimOS sole control of the defense and settlement; and (c) you provide reasonable cooperation at claimOS's expense.

12. Dispute Resolution

12.1 Governing Law

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

12.2 Informal Resolution

Before initiating any formal dispute resolution proceeding, you agree to first contact claimOS at legal@claimos.net and attempt to resolve the dispute informally for a period of at least thirty (30) days.

12.3 Binding Arbitration

If the parties are unable to resolve a dispute informally, any controversy or claim arising out of or relating to these Terms or the Services shall be settled by binding arbitration administered by the American Arbitration Association ("AAA") in accordance with its Commercial Arbitration Rules. The arbitration shall be conducted by a single arbitrator and shall take place in the State of Florida or, at the election of either party, virtually. The arbitrator's award shall be final and binding and may be entered as a judgment in any court of competent jurisdiction.

12.4 Class Action Waiver

YOU AND CLAIMOS AGREE THAT ANY DISPUTE RESOLUTION PROCEEDINGS WILL BE CONDUCTED ON AN INDIVIDUAL BASIS AND NOT IN A CLASS, CONSOLIDATED, OR REPRESENTATIVE ACTION. YOU WAIVE ANY RIGHT TO PARTICIPATE IN A CLASS ACTION LAWSUIT OR CLASS-WIDE ARBITRATION AGAINST CLAIMOS.

12.5 Exceptions

Notwithstanding the foregoing, either party may seek injunctive or equitable relief in any court of competent jurisdiction to protect its intellectual property rights or Confidential Information.

13. Term and Termination

13.1 Term

These Terms become effective when you first access or use the Services and remain in effect until terminated by either party in accordance with this Section 13.

13.2 Termination by You

You may terminate these Terms at any time by canceling your subscription and ceasing all use of the Services.

13.3 Termination by claimOS

claimOS may suspend or terminate your access to the Services, in whole or in part, at any time and for any reason, including but not limited to your breach of these Terms, non-payment of fees, your use of the Services in a manner that poses a security risk or may adversely affect other users, your use of the Services for unlawful or fraudulent purposes, or discontinuation of the Services or any material feature thereof. Where practicable, claimOS will provide reasonable notice prior to termination.

13.4 Effect of Termination

Upon termination: your right to access and use the Services shall immediately cease; you remain liable for all fees accrued prior to the effective date of termination; claimOS will make your Customer Data available for export for a period of thirty (30) days following termination, after which Customer Data may be deleted in accordance with our data retention policies; and Sections 6, 8, 9, 10, 11, 12, and 14 of these Terms shall survive termination.

14. General Provisions

14.1 Changes to These Terms

claimOS reserves the right to modify these Terms at any time. If we make material changes, we will notify you by posting the updated Terms on the Platform, sending an email to the address associated with your account, or through an in-Platform notification. Material changes will take effect thirty (30) days after notice is provided, unless a longer notice period is required by applicable law. Your continued use of the Services after the effective date of any changes constitutes your acceptance of the revised Terms.

14.2 Entire Agreement

These Terms, together with the Privacy Policy and any applicable order form or subscription agreement, constitute the entire agreement between you and claimOS with respect to the subject matter hereof and supersede all prior or contemporaneous communications, whether oral or written.

14.3 Severability

If any provision of these Terms is found to be unenforceable or invalid by a court of competent jurisdiction, that provision shall be enforced to the maximum extent permissible, and the remaining provisions shall remain in full force and effect.

14.4 Waiver

The failure of claimOS to enforce any right or provision of these Terms shall not constitute a waiver of such right or provision. Any waiver must be in writing and signed by an authorized representative of claimOS.

14.5 Assignment

You may not assign or transfer these Terms or any rights or obligations hereunder without the prior written consent of claimOS. claimOS may assign these Terms without restriction. Any purported assignment in violation of this section shall be null and void.

14.6 Force Majeure

claimOS shall not be liable for any delay or failure to perform its obligations under these Terms due to causes beyond its reasonable control, including but not limited to natural disasters, acts of government, pandemics, wars, terrorism, labor disputes, utility failures, cyberattacks, or internet service provider failures.

14.7 Notices

All notices under these Terms must be in writing and shall be deemed duly given when delivered personally, sent by email with confirmed receipt, or sent by nationally recognized overnight courier. Notices to claimOS should be directed to legal@claimos.net.

14.8 Independent Contractors

The relationship between you and claimOS is that of independent contractors. Nothing in these Terms shall be construed to create a partnership, joint venture, agency, or employment relationship.

15. Contact Information

If you have questions about these Terms, please contact us at legal@claimos.net.

Return to claimos.net.