Effective Date: February 23, 2026

These Terms of Service (“Terms”) govern your access to and use of the website located at claimantinc.com (the “Site”) and the services provided by Claimant Inc. (“Claimant,” “we,” “us,” “our”), including our appeal drafting support and related materials (collectively, the “Services”). By using the Site or Services, you agree to these Terms.

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If you do not agree, do not use the Site or Services.

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1) What Claimant does

Claimant provides informational and administrative support to help consumers prepare appeal materials for insurance claim denials or charges they believe are incorrect. This may include drafting an appeal letter, organizing supporting documents, and providing submission instructions.

Claimant is not your insurer, not your healthcare provider, and not a government agency. We do not control how insurers decide claims.

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2) Not legal advice; no attorney-client relationship

Claimant is not a law firm, and the Services are not legal advice or legal representation. Using the Site or Services does not create an attorney-client relationship. You are responsible for deciding whether to seek advice from a licensed attorney or other qualified professional. (See our Legal Disclaimer for more detail.)

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3) Eligibility and scope of Services

We may accept or decline requests for Services at our discretion, including where:

• we cannot verify information,

• we believe we cannot help,

• you request something outside our scope, or

• we suspect fraud, abuse, or misuse.

We may change or discontinue any part of the Site or Services at any time.

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4) Your responsibilities

You agree that you will:

• Provide information that is accurate and complete to the best of your knowledge.

• Submit only documents and information you have the right to share with us.

• Use the Services for personal, lawful purposes (not for third-party reselling, scraping, or misuse).

• Review any draft materials we provide and make your own decision about what to submit.

You understand that the success of an appeal depends on facts, insurer policies, plan terms, and timelines, many of which are outside our control.

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5) Submitting to insurers (important)

Unless we explicitly agree otherwise, you are responsible for submitting your appeal materials to your insurer (and any other party) and for meeting all deadlines.

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If we offer an option to submit on your behalf, that will require your explicit written authorization and may be subject to additional terms.

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6) No guarantee of outcomes

We do not guarantee that:

• an insurer will reverse a denial,

• you will receive reimbursement,

• your out-of-pocket costs will be reduced, or

• any particular result will occur.

Appeals outcomes vary widely.

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7) Fees and payment

If we charge fees now or in the future, we will clearly disclose pricing before you pay. Unless otherwise stated, fees are non-refundable once work has begun on your request.

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8) Intellectual property

The Site and its content (excluding your materials) are owned by Claimant or its licensors and are protected by intellectual property laws. You may use the appeal materials we generate for your personal appeal, but you may not copy, resell, distribute, or create derivative works from the Site or Services except as permitted by law or with our written permission.

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9) Prohibited use

You agree not to:

• use the Site/Services to violate any law or regulation;

• submit false or misleading information;

• attempt to access non-public areas or systems;

• interfere with the Site’s operation (including malware, scraping, or denial-of-service attempts);

• use the Services to harass or harm others; or

• impersonate any person or entity.

 

10) Privacy and consumer health data

Your use of the Site and Services is also subject to our Privacy Policy and, if applicable, our Consumer Health Data Privacy Notice (Washington). Those documents explain how we collect, use, and share information, including health-related information you submit.

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11) Third-party services and links

The Site may reference or link to third-party websites or services. We do not control those third parties and are not responsible for their content, policies, or practices.

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12) Disclaimers

THE SITE AND SERVICES ARE PROVIDED “AS IS” AND “AS AVAILABLE.” TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

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13) Limitation of liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, CLAIMANT WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, DATA, GOODWILL, OR OTHER INTANGIBLE LOSSES, ARISING OUT OF OR RELATING TO YOUR USE OF (OR INABILITY TO USE) THE SITE OR SERVICES.

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TO THE MAXIMUM EXTENT PERMITTED BY LAW, CLAIMANT’S TOTAL LIABILITY FOR ANY CLAIM ARISING OUT OF OR RELATING TO THE SITE OR SERVICES WILL NOT EXCEED THE AMOUNT YOU PAID TO CLAIMANT FOR THE SERVICES GIVING RISE TO THE CLAIM, OR $100 IF YOU PAID NOTHING.

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Some jurisdictions do not allow certain limitations; in that case, these limits apply to the fullest extent permitted.

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14) Indemnification

You agree to defend, indemnify, and hold harmless Claimant and its officers, directors, employees, and contractors from and against any claims, liabilities, damages, losses, and expenses (including reasonable attorneys’ fees) arising out of or related to: (a) your use of the Site/Services; (b) your violation of these Terms; or (c) your submission of information or materials that infringe or violate another party’s rights.

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15) Dispute Resolution; Arbitration; Class Action Waiver; Governing Law

Please read this section carefully. It affects your legal rights, including your right to file a lawsuit in court and have a jury trial.

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15.1 Informal resolution first

Before starting arbitration or a court proceeding, you agree to contact us and try to resolve the dispute informally. You must send a notice describing the dispute and the relief you seek to: Claimant Inc. at hello@claimantinc.com. 

We will try to resolve the dispute with you within 60 days after receiving your notice. If we cannot resolve it, either party may start arbitration as described below.

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15.2 Agreement to arbitrate

Except as expressly provided in Section 15.3, you and Claimant agree that any dispute, claim, or controversy arising out of or relating to these Terms, the Site, or the Services (including disputes about the validity, enforceability, or scope of this arbitration agreement) will be resolved by binding, individual arbitration, and not in a court of law.

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This arbitration agreement is governed by the Federal Arbitration Act (FAA) to the maximum extent permitted by law.

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15.3 Exceptions (claims that can go to court)

Either party may choose to bring the following types of disputes in court instead of arbitration:

• claims in small claims court, if the claim qualifies and remains in small claims court; and

• claims seeking injunctive or other equitable relief for the alleged unlawful use or infringement of intellectual property or for unauthorized access to the Site (including attempts to compromise security), to the extent such claim is permitted to be brought in court.

 

15.4 Arbitration administrator and rules

The arbitration will be administered by the American Arbitration Association (AAA) under its applicable rules, including the Consumer Arbitration Rules where appropriate. If AAA is unavailable, the parties will mutually select a reputable arbitration provider.

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You can learn more about AAA and its rules by searching “AAA Consumer Arbitration Rules.”

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15.5 Arbitration process, location, and format

Arbitration will be conducted in English by a single arbitrator. The arbitrator may conduct proceedings:

• by video conference,

• by telephone, and/or

• based on written submissions,

• unless an in-person hearing is required by the arbitrator.

If an in-person hearing is required, it will take place in Wilmington, Delaware, unless the parties agree otherwise, or unless the arbitrator determines a different location is appropriate for convenience and fairness.

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15.6 Fees and costs

Payment of arbitration filing, administration, and arbitrator fees will be governed by AAA rules and applicable law. If the arbitrator determines that your claim is frivolous or brought for an improper purpose, the arbitrator may award fees and costs to the extent permitted by law.

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15.7 No class actions; no representative proceedings

You and Claimant agree that disputes will be brought only in an individual capacity and not as a plaintiff or class member in any purported class, collective, consolidated, private attorney general, or representative proceeding. The arbitrator may not consolidate more than one person’s claims and may not otherwise preside over any form of representative or class proceeding.

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If a court determines that this class action waiver is unenforceable for a particular claim, then that claim (and only that claim) must be brought in court, and the parties agree that litigation will be stayed pending the outcome of any individual arbitration.

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15.8 Severability

If any portion of this Section 15 is found unenforceable, the remaining portions will remain in effect, except that if Section 15.7 (the class action waiver) is found unenforceable and cannot be severed, then this entire Section 15 (arbitration agreement) will be null and void.

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15.9 Governing law

Except to the extent the FAA applies, these Terms and any dispute arising out of or relating to these Terms, the Site, or the Services will be governed by the laws of the State of Delaware, without regard to conflict-of-law principles.

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16) Changes to these Terms

We may update these Terms from time to time. We will update the Effective Date above and post the revised Terms on the Site. Your continued use after changes means you accept the updated Terms.

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17) Contact us

Claimant Inc.
Email: hello@claimantinc.com