Terms of Service

Last Updated: January 20, 2025

1. Acceptance of Terms

By accessing or using Health Claim Navigator AI's services, purchasing our products, or using our AI-powered tools, you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, please do not use our services.

2. Service Description

Health Claim Navigator AI provides AI-powered documentation tools and templates for insurance claim preparation. Our services include:

• AI-generated responses to insurance correspondence
• Document templates and forms for claim submission
• Organizational tools and checklists
• Educational resources and guides

Important: Health Claim Navigator AI is NOT a law firm, public adjuster, or insurance broker. We provide documentation tools only and do not offer legal advice, claims adjusting services, or insurance consulting.

3. User Eligibility

You must be at least 18 years old and capable of forming a binding contract to use our services. By using Health Claim Navigator AI, you represent and warrant that you meet these eligibility requirements.

4. Account Registration

To access certain features, you must create an account. You agree to:

• Provide accurate, current, and complete information
• Maintain the security of your password and account
• Notify us immediately of any unauthorized access
• Accept responsibility for all activities under your account

5. Pricing and Payment

• AI Toolkit Package: $997 (includes 20 AI-generated responses)
• Additional AI Responses: $29 each
• All prices are in USD and subject to change with notice
• Payment is processed securely through Stripe
• All sales are final - no refunds on digital products

6. Intellectual Property Rights

All content, templates, AI-generated materials, and tools provided by Health Claim Navigator AI are protected by copyright and intellectual property laws. You receive a limited, non-exclusive, non-transferable license to use purchased materials for your personal claim documentation needs only.

You may NOT:

• Resell, redistribute, or share purchased materials
• Use materials for commercial purposes
• Remove copyright or proprietary notices
• Reverse engineer our AI systems or tools

7. AI-Generated Content Disclaimer

Our AI-generated responses and documents are provided as templates and starting points only. You acknowledge that:

• AI-generated content may contain errors or inaccuracies
• You are responsible for reviewing and customizing all content
• AI responses are not legal advice or professional opinions
• Results may vary and are not guaranteed

8. User Content and Data

When you upload documents or input information:

• You retain ownership of your content
• You grant us a limited license to process your content for service delivery
• We will not share your claim information with third parties
• You are responsible for the accuracy of information provided

9. Prohibited Uses

You agree not to:

• Use our services for any illegal or fraudulent purpose
• Submit false or misleading information to insurers
• Violate any applicable laws or regulations
• Interfere with or disrupt our services
• Attempt to gain unauthorized access to our systems
• Use our services to harass or harm others

10. Disclaimers and Limitations of Liability

NO PROFESSIONAL ADVICE: Health Claim Navigator AI does not provide legal, insurance, or professional advice. Always consult qualified professionals for specific guidance.

NO WARRANTIES: Our services are provided "as is" without warranties of any kind, either express or implied.

LIMITATION OF LIABILITY: In no event shall Health Claim Navigator AI be liable for any indirect, incidental, special, consequential, or punitive damages, including lost profits or claim denials, arising from your use of our services.

Our maximum liability to you for any claims shall not exceed the amount you paid for our services.

11. Indemnification

You agree to indemnify and hold harmless Health Claim Navigator AI, its officers, directors, employees, and affiliates from any claims, damages, losses, or expenses arising from:

• Your use of our services
• Your violation of these Terms
• Your submission of content to insurers
• Your violation of any laws or third-party rights

12. Privacy Policy

Your use of our services is also governed by our Privacy Policy, which describes how we collect, use, and protect your information.

13. Modifications to Terms

We reserve the right to modify these Terms at any time. We will notify users of material changes via email or website notice. Continued use after changes constitutes acceptance of modified Terms.

14. Termination

We may terminate or suspend your access to our services immediately, without prior notice, for:

• Violation of these Terms
• Fraudulent or illegal activity
• Non-payment of fees
• Any other reason at our sole discretion

15. Governing Law and Jurisdiction

These Terms are governed by the laws of the State of Delaware, without regard to conflict of law principles. Any disputes shall be resolved in the courts of Delaware.

16. Dispute Resolution

Any disputes arising from these Terms or our services shall first be subject to good faith negotiations. If unresolved, disputes shall be settled through binding arbitration in accordance with the American Arbitration Association rules.

17. Severability

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall continue in full force and effect.

18. Entire Agreement

These Terms constitute the entire agreement between you and Health Claim Navigator AI regarding our services and supersede any prior agreements.

19. Contact Information

For questions about these Terms, please contact us at:

Email: legal@claimnavigatorai.com
Website: https://claimnavigatorai.netlify.app

20. Acknowledgment

By using Health Claim Navigator AI's services, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service.

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