Terms and Conditions of Use

1. Acceptance of Terms

By accessing and using the ClaimMentor application ("Service"), you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions of Use ("Terms"). If you do not agree to these Terms, please do not use the Service.

2. Description of Service

ClaimMentor is an application that provides insurance policy document management and claim assessment services. The Service allows users to:

• Upload and store insurance policy documents
• Analyze policy coverage using our coverage analysis tools
• Assess potential insurance claims with our claim assessment service
• Manage personal profile information
• Access helpful insurance resources and guidance

3. User Accounts and Registration

3.1. Account Creation

To use the Service, you must create an account by providing accurate and complete information.

3.2. User Responsibilities

You are responsible for:

• Maintaining the confidentiality of your account credentials
• All activities that occur under your account
• Immediately notifying us of any unauthorized use of your account

3.3. Account Termination

We reserve the right to suspend or terminate accounts that violate these Terms or for any other reason at our discretion.

4. Privacy and Data Protection

4.1. Privacy Policy

Our collection and use of your personal information is governed by our Privacy Policy.

4.2. Data Processing

You acknowledge that:

• The Service stores and processes personal data you provide
• Files uploaded to the Service are stored in our secure storage system
• We use third-party services for data processing and storage

5. User Content and Documents

5.1. Content Rights

By uploading documents to the Service, you:

• Represent that you have the right to share such documents
• Grant us a license to store, process, and analyze these documents
• Understand that you are responsible for the accuracy of uploaded documents

5.2. Document Restrictions

• Maximum file size: 5MB per document
• Accepted file formats: PDF only
• Maximum of 10 policy documents per account

6. Insurance Claim Assessment

6.1. Service Limitations

The Service provides automated analysis of insurance claims and policies. You acknowledge that:

• Assessments are for informational purposes only
• Results should not be considered as legal or professional advice
• Final claim decisions rest with your insurance provider

6.2. No Guarantees

We do not guarantee:

• The accuracy of claim assessments
• Coverage analysis results
• The acceptance of claims by insurance providers

7. Service Limitations and Modifications

7.1. Service Changes

We reserve the right to:

• Modify or discontinue the Service at any time
• Change features or functionality
• Update these Terms at any time
• Implement usage limits or restrictions

7.2. Notifications

We will make reasonable efforts to notify users of significant changes to the Service or these Terms.

8. Prohibited Activities

You agree not to:

• Use the Service for any illegal purpose
• Upload malicious files or content
• Attempt to gain unauthorized access to the Service
• Interfere with the proper working of the Service
• Impersonate any person or entity
• Upload false or misleading information

9. Intellectual Property

9.1. Ownership

The Service and its original content, features, and functionality are owned by ClaimMentor and are protected by intellectual property laws.

9.2. Restrictions

You may not:

• Copy, modify, or distribute our content
• Reverse engineer the Service
• Remove any copyright or proprietary notices

10. Disclaimer of Warranties

10.1. Service Provision

The Service is provided "as is" and "as available" without any warranties of any kind.

10.2. No Warranties

We do not warrant that:

• The Service will be uninterrupted or error-free
• Any errors will be corrected
• The results of using the Service will meet your requirements

11. Limitation of Liability

11.1. Liability Exclusions

To the maximum extent permitted by law, we shall not be liable for:

• Any indirect, incidental, special, or consequential damages
• Lost profits or data
• Business interruption
• Personal injury or property damage

11.2. Liability Cap

Our total liability shall not exceed the amount you paid for the Service in the past 12 months.

12. Indemnification

You agree to indemnify and hold us harmless from any claims, damages, or expenses arising from:

• Your use of the Service
• Your violation of these Terms
• Your violation of any rights of another party

13. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the jurisdiction in which the Service operates, without regard to its conflict of law provisions. For information about consumer rights in the UK, visit Citizens Advice consumer guidance or the UK Government consumer rights information.

14. Changes to Terms

14.1. Updates

We reserve the right to modify these Terms at any time.

14.2. Effect

Changes will be effective immediately upon posting to the Service.

14.3. Acceptance

Your continued use of the Service after changes constitutes acceptance of the modified Terms.

15. Contact Information

For questions about these Terms, please contact us at:
contact@claimmentor.net

16. Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary while preserving the remaining provisions.

17. Entire Agreement

These Terms constitute the entire agreement between you and ClaimMentor regarding the use of the Service, superseding any prior agreements.