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Terms of Service

Last Updated: August 8, 2025

1. Introduction & Acceptance of Terms

Welcome to Claimfrog. These Terms of Service ("Terms") govern your access to and use of the Claimfrog website, application, and services (collectively, the "Services"). By accessing or using our Services, you agree to be bound by these Terms and our Privacy Policy. If you do not agree to these Terms, you are not permitted to use the Services.

2. Description of Service

Claimfrog provides a home inventory management application designed to help users document their personal belongings for insurance and organizational purposes. The Services include tools for cataloging items, storing related documents (like receipts and photos), and an optional AI-powered feature to estimate replacement values.

3. Eligibility

You must be at least 18 years old to create an account and use the Services. By creating an account, you represent and warrant that you meet this age requirement.

4. User Accounts and Security

To access most features of the Services, you must register for an account. You agree to provide accurate, current, and complete information during the registration process. You are solely responsible for safeguarding your account password and for all activities that occur under your account. You must notify us immediately at hello@claimfrog.com of any unauthorized use of your account.

5. User-Generated Content & Responsibility

You are the sole owner of the information, data, text, photos, and other content you upload to the Services ("User Content"). You are solely responsible for the accuracy, legality, and quality of your User Content. Claimfrog does not verify or guarantee the accuracy of any User Content. By uploading User Content, you grant Claimfrog a worldwide, non-exclusive, royalty-free license to use, reproduce, modify, and display such content solely for the purpose of providing the Services to you.

6. Acceptable Use Policy

You agree not to misuse the Services. For example, you must not:

7. AI Valuation Tool Disclaimer

Our optional AI valuation tool provides an *estimate* of an item's potential replacement cost based on publicly available data. This value is for informational purposes only and is not a certified appraisal, a guarantee of actual value, or the amount an insurance company will pay. We are not liable for any discrepancies between the estimated value and the actual or insured value of an item. Your use of this feature is at your own risk, and you are responsible for verifying its accuracy.

8. Fees and Subscriptions

Certain features of the Services may be provided for a fee. If you choose to subscribe to a paid plan, you agree to pay all applicable fees as described on our pricing page. All fees are non-refundable, except as required by law. We reserve the right to change our prices and will notify you in advance of any fee changes.

9. Intellectual Property

All right, title, and interest in and to the Services (excluding User Content) are and will remain the exclusive property of Claimfrog and its licensors. This includes our branding, logos, and all associated intellectual property rights. We grant you a limited, non-exclusive, non-transferable license to use the Services for your personal, non-commercial use, subject to these Terms.

10. Termination

We may suspend or terminate your access to our Services immediately, without prior notice or liability, if you breach these Terms. You can terminate your account at any time by contacting us. Upon termination, your right to use the Services will immediately cease, and we may delete your User Content in accordance with our data retention policies.

11. Disclaimers, Service Availability, and Limitation of Liability

The Services are provided on an "AS IS" and "AS AVAILABLE" basis, without any warranties of any kind, express or implied. We do not guarantee that the Services will be uninterrupted, secure, error-free, or that your data will be secure or not otherwise lost or damaged.

In no event shall Claimfrog be liable for any indirect, incidental, special, consequential or punitive damages, including without limitation, loss of profits, data, use, goodwill, or other intangible losses, resulting from (i) your access to or use of or inability to access or use the Services; (ii) any conduct or content of any third party on the Services; (iii) any content obtained from the Services; and (iv) unauthorized access, use or alteration of your transmissions or content, whether based on warranty, contract, tort (including negligence) or any other legal theory, whether or not we have been informed of the possibility of such damage, and even if a remedy set forth herein is found to have failed of its essential purpose.

12. Indemnification

You agree to defend, indemnify, and hold harmless Claimfrog and its employees, contractors, and directors from and against any and all claims, damages, obligations, losses, liabilities, costs or debt, and expenses (including but not to attorney's fees), resulting from or arising out of your use and access of the Service, or a breach of these Terms.

13. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the province of Quebec and the federal laws of Canada applicable therein, without regard to its conflict of law provisions.

14. Changes to Terms

We reserve the right, at our sole discretion, to modify or replace these Terms at any time. If a revision is material, we will provide at least 30 days' notice prior to any new terms taking effect. By continuing to use our Services after those revisions become effective, you agree to be bound by the revised terms.

15. Contact Us

If you have any questions about these Terms, please contact us at hello@claimfrog.com.