Terms of Service

Last updated: April 18, 2026

1. Service Description

ClaimOwl, a product of Noetic AI LLC ("ClaimOwl," "we," "us," or "our"), provides a property analysis and market pricing information service. We use artificial intelligence to analyze photos of property damage and provide reports containing current market pricing for repairs and replacements.

ClaimOwl is an information service, not an insurance company, public adjuster, contractor, or legal advisor. Our reports provide general market pricing information for the homeowner's reference and do not constitute insurance claim valuations, legal advice, or professional repair estimates.

2. No Representative Relationship

By using ClaimOwl, you acknowledge that:

  • We do not represent you in any insurance claim or dispute.
  • We do not act as your agent, advocate, or fiduciary.
  • We do not negotiate with insurance companies on your behalf.
  • Our reports are informational tools, not claim documentation.
  • Any decisions regarding your property or insurance matters are solely your responsibility.

3. Account Registration

You may create an account to access your reports and claim history. You are responsible for maintaining the confidentiality of your account credentials. You must provide accurate information and be at least 18 years old.

4. Payments and Refunds

  • All payments are processed securely through Stripe.
  • Report pricing is displayed at the time of purchase.
  • Reports are delivered immediately upon payment.
  • Comprehensive Reports include a 30-day money-back guarantee. If you are unsatisfied, contact us within 30 days for a full refund.
  • Essential Reports are non-refundable, as the full report is delivered instantly upon purchase.

Prices are subject to change. Any price changes will not affect previously purchased reports.

5. Report Accuracy

Our reports are generated using AI analysis of user-submitted photos and information. While we strive for accuracy:

  • Reports are based solely on photos and descriptions provided, not physical inspections.
  • Market pricing reflects regional averages and may not match specific contractor quotes.
  • AI analysis may not identify all damage, materials, or conditions.
  • Reports should be used as one of several resources when evaluating repair costs.

We do not guarantee the accuracy, completeness, or applicability of any report to your specific situation.

6. Acceptable Use

You agree not to:

  • Submit photos or information that you do not have the right to share.
  • Use reports to misrepresent damage or inflate insurance claims.
  • Resell, redistribute, or commercially exploit reports without permission.
  • Attempt to reverse-engineer our AI analysis systems.
  • Use the service for any fraudulent or illegal purpose.

7. User Content

By uploading photos and submitting property information, you:

  • Represent that you own or have the right to share the content.
  • Grant ClaimOwl a limited license to process, analyze, and store the content for the purpose of providing our service.
  • Retain all ownership rights to your photos and information.
  • Acknowledge that photos and descriptions will be sent to third-party AI providers (Anthropic) for analysis.

We do not use your photos or property information for any purpose other than generating your report, unless required by law.

8. Intellectual Property

Report content, analysis methodology, and the ClaimOwl brand are our intellectual property. You receive a personal, non-transferable license to use purchased reports for your own property-related purposes. You may share reports with your insurance company, contractor, or legal advisor.

9. Disclaimer of Warranties

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. We disclaim all warranties, including implied warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that the service will be uninterrupted, error-free, or that reports will be accurate or complete. No advice or information obtained from ClaimOwl shall create any warranty not expressly stated in these terms.

10. Limitation of Liability

To the maximum extent permitted by law, ClaimOwl shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of the service, including but not limited to damages for lost profits, lost data, or business interruption. Our total liability for any claim shall not exceed the amount you paid for the specific report in question.

11. Indemnification

You agree to indemnify and hold Noetic AI LLC (d/b/a ClaimOwl), its officers, employees, and agents harmless from any claims, damages, losses, or expenses (including reasonable legal fees) arising from your use of the service, your violation of these terms, or your use of report information in insurance claims, legal proceedings, or negotiations.

12. Service Availability

We strive to maintain continuous service availability but do not guarantee uninterrupted access. The service may be temporarily unavailable due to maintenance, updates, or circumstances beyond our control. We are not liable for any loss or inconvenience caused by service interruptions.

13. Electronic Communications

By creating an account or submitting a claim, you consent to receive electronic communications from us, including transactional emails (report delivery, payment confirmations) and service-related notices. These communications satisfy any legal requirement that such communications be in writing.

14. Dispute Resolution

Any dispute arising from these terms or your use of ClaimOwl shall first be resolved through good-faith negotiation. If negotiation fails, disputes shall be resolved through binding arbitration administered by the American Arbitration Association under its Consumer Arbitration Rules, conducted in Collier County, Florida. You agree that any arbitration shall be conducted on an individual basis, not as a class action or representative proceeding.

15. Termination

We may suspend or terminate your account if you violate these terms. You may delete your account at any time by contacting us. Purchased reports remain accessible for 12 months after account deletion. Sections that by their nature should survive termination (including Limitation of Liability, Indemnification, and Dispute Resolution) shall survive.

16. Governing Law

These terms are governed by the laws of the State of Florida, without regard to conflict of law principles. To the extent litigation is permitted (outside of arbitration), venue shall be in the courts of Collier County, Florida.

17. General Provisions

  • Entire Agreement: these terms, together with our Privacy Policy, constitute the entire agreement between you and ClaimOwl.
  • Severability: if any provision is found unenforceable, the remaining provisions remain in full effect.
  • Waiver: failure to enforce any provision does not constitute a waiver of that provision.
  • Assignment: you may not assign your rights under these terms. We may assign our rights to a successor in connection with a merger, acquisition, or sale of assets.
  • Force Majeure: we are not liable for delays or failures caused by events beyond our reasonable control, including natural disasters, government actions, or internet disruptions.

18. Changes to Terms

We may update these terms from time to time. Material changes will be communicated via email to registered users at least 30 days before taking effect. Continued use after changes constitutes acceptance. The "Last updated" date at the top of this page indicates when the terms were last revised.

19. Contact

For questions about these terms, contact us at support@claimowl.io