Terms of Service

1. Acceptance of Terms

By accessing or using EstimateDelta (the “Service”), you agree to be bound by these Terms of Service (“Terms”). If you do not agree to these Terms, you may not use the Service.

These Terms form a binding agreement between you (“Customer,” “you”) and the owner/operator of EstimateDelta (“Company,” “we,” “us”).

2. Description of Service

EstimateDelta is a software-as-a-service (SaaS) platform that analyzes insurance estimates you provide, identifies potential missed or underpaid items, and generates supplemental documentation such as reports, letters, and checklists. The Service is intended for business use by contractors, restoration companies, and public adjusters.

We may update, modify, or discontinue features of the Service at any time, with or without notice.

3. Eligibility and Accounts

To use the Service, you must:

• Be at least 18 years old.
• Create an account with accurate and complete information.
• Be authorized to act on behalf of the company you register, if applicable.

You are responsible for maintaining the confidentiality of your login credentials and for all activities occurring under your account.

4. Payments, Plans, and Renewals

We offer:

• A per-report plan at $149 per report.
• A subscription plan at $599 per month for unlimited reports (subject to fair use).

Payments are processed by Stripe or another third-party payment processor. Prices are subject to change prospectively.

Per-report purchases are charged at the time of checkout and grant access to generate a limited number of reports as specified.

Subscriptions renew automatically each billing period until canceled.

You may cancel your subscription at any time; cancellation takes effect at the end of the current billing period. We do not provide pro-rated refunds for partial periods.

You authorize us and our payment processor to charge all applicable fees using the payment method you provide.

5. License and Acceptable Use

Subject to your compliance with these Terms and payment of applicable fees, we grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Service solely for your internal business purposes.

You agree not to:

• Reverse engineer, decompile, or attempt to access the Service's source code.
• Use the Service to engage in fraud, submit knowingly false or misleading insurance claims, or violate any applicable law or regulation.
• Interfere with or disrupt the integrity or performance of the Service.
• Resell, sublicense, or otherwise provide the Service to third parties outside your organization without our written consent.

We may suspend or terminate your access if we reasonably believe you have violated these restrictions.

6. Your Content and Data

You retain ownership of all documents, data, and content you upload to the Service (“Customer Data”). You grant us a limited, non-exclusive, worldwide license to use, process, store, and analyze Customer Data solely for:

• Providing and improving the Service.
• Maintaining security, troubleshooting, and analytics.

We may generate anonymized or aggregated data derived from Customer Data and system usage, which we may use for analytics, product improvement, and benchmarking. Such data will not identify you or your customers.

You are solely responsible for ensuring that your use of the Service and submission of Customer Data complies with all applicable laws, including privacy and data protection laws, and that you have all necessary permissions to upload and process such data.

7. No Legal, Adjusting, or Professional Advice

EstimateDelta is a software tool. It does not provide legal advice, public adjusting services, engineering services, or contractor services. Output from the Service is for informational purposes only and is not a substitute for your own professional judgment or that of qualified professionals.

You are solely responsible for reviewing all output, deciding whether and how to use it, and for all communications with insurance carriers and policyholders.

8. Disclaimers

The Service is provided “as is” and “as available” without warranties of any kind, whether express, implied, or statutory, including any implied warranties of merchantability, fitness for a particular purpose, or non-infringement.

We do not warrant that:

• The Service will be uninterrupted, error-free, or secure.
• AI-generated output will be complete, accurate, or suitable for your specific claim.
• Any supplement request will be approved by any insurer or other party.

You use the Service at your own risk.

9. Limitation of Liability

To the maximum extent permitted by law, in no event will we be liable for any indirect, incidental, special, consequential, or punitive damages, or for loss of profits, revenue, data, or business opportunities.

Our total aggregate liability arising out of or related to the Service or these Terms will not exceed the greater of:

• The amounts you paid for the Service in the three (3) months preceding the event giving rise to the claim, or
• One hundred U.S. dollars (USD $100).

Some jurisdictions do not allow limitations of liability; in such cases, these limitations apply only to the extent permitted by law.

10. Indemnification

You agree to indemnify and hold harmless the Company and its officers, directors, employees, and agents from any claims, damages, losses, liabilities, and expenses (including reasonable attorney's fees) arising out of or related to:

• Your use of the Service.
• Your violation of these Terms.
• Your submission or use of Customer Data, including any alleged violation of third-party rights.

11. Termination

You may stop using the Service at any time. We may suspend or terminate your access if:

• You breach these Terms.
• We are required to do so by law.
• We discontinue the Service.

Upon termination, your right to use the Service will immediately cease. Certain provisions of these Terms (including ownership, disclaimers, limitations of liability, and indemnification) will survive termination.

12. Changes to Terms

We may update these Terms from time to time. If we make material changes, we will notify you by email or by posting a notice in the Service. Your continued use of the Service after changes become effective constitutes your acceptance of the updated Terms.

13. Governing Law and Disputes

These Terms are governed by the laws of the State of New York, without regard to its conflict of law principles. Any disputes arising under or in connection with these Terms will be resolved in the state or federal courts located in New York County, New York, and you consent to the jurisdiction of such courts.

14. Contact

If you have questions about these Terms, contact us at:

support@estimatedelta.com