FIELDCLAIM

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Legal

TERMS OF SERVICE

Last updated: April 2026

1. ACCEPTANCE OF TERMS

By accessing or using FieldClaim (the “Service”), you agree to be bound by these Terms of Service (“Terms”). If you do not agree, do not use the Service. You must be at least 18 years of age and legally capable of entering into binding contracts. Use of the Service constitutes a representation that you are a licensed public adjuster, or are acting under the direct supervision of a licensed professional in accordance with applicable state law.

2. DESCRIPTION OF SERVICE

FieldClaim is an AI-assisted productivity tool for insurance claim documentation. It helps licensed public adjusters generate loss reports, analyze policy language, draft demand letters, and estimate repair costs.

FieldClaim is NOT a licensed public adjuster, insurance professional, or attorney. All outputs from the Service are drafts intended to assist licensed professionals and do not constitute legal, insurance, or professional advice of any kind.

The Service is provided as a productivity tool only. No output from FieldClaim constitutes a professional opinion, legal advice, or a guarantee of any claim outcome.

3. AI OUTPUT DISCLAIMER

All reports, letters, estimates, and analyses generated by FieldClaim are AI-generated drafts. They are starting points, not finished work product.

Outputs may contain errors, omissions, outdated information, hallucinated statistics, incorrect statutory citations, or other inaccuracies. AI language models are not infallible.

You are solely responsible for reviewing, verifying, fact-checking, and approving all outputs before any use — including submission to an insurer, court, regulatory body, or any third party.

FieldClaim makes no warranty, express or implied, that any output is accurate, complete, legally correct, or suitable for any particular claim or jurisdiction.

You assume all professional, legal, and financial responsibility for any output you submit, transmit, or rely upon.

4. PROFESSIONAL RESPONSIBILITY

FieldClaim is a tool, not a substitute for professional judgment. The Service does not replace the expertise, licensing, or legal obligations of a qualified public adjuster.

Users must comply with all applicable state licensing laws for public adjusters, including but not limited to disclosure requirements, fee regulations, and scope-of-practice rules.

FieldClaim is not responsible for claim outcomes, regulatory violations, licensing sanctions, client disputes, or any professional consequences arising from the use of the Service or reliance on any output.

5. SUBSCRIPTION AND BILLING

  • Subscriptions are billed monthly in advance at the rate displayed at time of purchase.
  • 30-day free trial: you will not be charged until the trial period ends. Cancel any time before the trial ends to avoid charges.
  • No refunds are issued for partial months or unused time within a billing period.
  • We reserve the right to change pricing with at least 30 days' notice to your registered email address.
  • Accounts more than 30 days past due may be suspended or terminated without further notice.
  • Founding member pricing, where offered, is locked for the life of your continuous subscription and is forfeited if you cancel.

6. ACCEPTABLE USE

You agree not to use FieldClaim to:

  • Generate fraudulent, false, or misleading claims documentation.
  • Misrepresent AI-generated content as independently verified, personally authored, or professionally certified work.
  • Submit outputs to any insurer, court, or regulatory body without reviewing and verifying their accuracy.
  • Violate any applicable law, regulation, or professional licensing requirement.
  • Attempt to reverse-engineer, scrape, or circumvent the Service.

Violation of these terms may result in immediate account termination without refund and may be reported to relevant licensing authorities.

7. DATA AND CONTENT

  • You own your data and claim content. FieldClaim does not claim ownership of any information you input.
  • You grant FieldClaim a limited, non-exclusive license to process your content solely for the purpose of providing the Service to you.
  • We do not sell your data, claim information, or inputs to insurers, third parties, or anyone else.
  • AI outputs are generated fresh for each request. We do not use your specific claim details to train AI models.
  • You are responsible for ensuring that any claim information you input does not violate confidentiality obligations to your clients.

8. LIMITATION OF LIABILITY

FieldClaim’s total aggregate liability to you for any claim arising out of or related to the Service is limited to the total amounts you paid to FieldClaim in the three (3) calendar months immediately preceding the event giving rise to the claim.

FieldClaim is not liable for:

  • Lost or reduced insurance claim settlements
  • Regulatory sanctions, licensing consequences, or professional discipline
  • Client disputes or third-party claims arising from your use of Service outputs
  • Consequential, indirect, incidental, special, or punitive damages of any kind
  • Loss of business, revenue, or profits
  • Errors in AI-generated statutory citations, case law references, or policy interpretations

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

9. INDEMNIFICATION

You agree to indemnify, defend, and hold harmless FieldClaim and its officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys’ fees) arising out of or relating to: (a) your use of the Service; (b) your violation of these Terms; (c) your professional activities as a public adjuster or insurance professional; (d) any claim, dispute, or regulatory proceeding arising from your submission of AI-generated content to any third party; or (e) your violation of any applicable law or the rights of any third party.

10. GOVERNING LAW AND DISPUTE RESOLUTION

These Terms are governed by the laws of Florida, without regard to conflict of law principles.

Any dispute arising from or relating to these Terms or the Service shall be resolved by binding individual arbitration under the American Arbitration Association’s Consumer Arbitration Rules, conducted in Florida. You waive any right to participate in a class action lawsuit or class-wide arbitration.

Nothing in this section prevents either party from seeking emergency injunctive relief in a court of competent jurisdiction where necessary to prevent irreparable harm.

11. CHANGES TO TERMS

We may update these Terms from time to time. We will provide at least 14 days’ notice via email to your registered address before material changes take effect. Your continued use of the Service after the notice period constitutes acceptance of the updated Terms. If you do not agree to the updated Terms, you must cancel your subscription before the changes take effect.

12. CONTACT

Questions about these Terms? Contact us at support@fieldclaim.com

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