Terms of Service

Last Updated: 1/25/2026

These Terms of Service (“Terms”) govern your access to and use of the Claims Letters platform, including the Claims Letters Microsoft Word Add‑in, Claims Letters Web App, and any related services, websites, or content (collectively, the “Services”). These Terms form a binding agreement between you (“Customer,” “you,” or “your”) and Claims Letters, LLC (“Claims Letters,” “Provider,” “we,” or “us”).

By accessing or using the Services, you agree to be bound by these Terms. If you do not agree, you may not access or use the Services.

If you or your organization have executed a separate written SaaS Services Agreement or Order Form with Claims Letters, that agreement supersedes these Terms to the extent of any conflict.

1. Eligibility and Accounts

You must be at least 18 years old and legally able to enter into contracts to use the Services. You are responsible for maintaining the confidentiality of your account credentials and for all activity occurring under your account. You must notify Claims Letters immediately of any unauthorized access or security breach.

2. License and Use Rights

Subject to these Terms, Claims Letters grants you a limited, non‑exclusive, non‑transferable, non‑sublicensable license to access and use the Services for your internal business purposes.

You may not:

• reverse engineer, decompile, or disassemble the Services;
• modify or create derivative works of the Services;
• use the Services to build a competing product or service;
• rent, lease, sell, or sublicense the Services;
• remove or obscure proprietary notices;
• access the Services in a manner intended to avoid fees or usage limits.

3. Acceptable Use

You may use the Services only in compliance with these Terms, our Acceptable Use Policy, and all applicable laws. You may not use the Services to engage in unlawful, fraudulent, or harmful activities; transmit malicious code; interfere with the Services; or attempt to gain unauthorized access to any system or data.

4. Software Components

The Services may include downloadable components such as the Claims Letters Microsoft Word Add‑in. These components are licensed, not sold, and may update automatically. You may install such components only on devices you own or control.

5. Internet‑Based Services

The Services may connect to internet‑based systems. By using the Services, you consent to the transmission of standard device and usage information necessary for operation, diagnostics, and performance. You may not misuse internet‑based features or attempt to gain unauthorized access to any network, system, or account.

6. Customer Data

“Customer Data” means data you submit, upload, or process through the Services. You retain all rights to Customer Data. Claims Letters does not claim ownership of Customer Data.

You grant Claims Letters a limited license to process Customer Data solely to provide the Services, maintain and improve the platform, ensure security and compliance, and fulfill legal obligations. Claims Letters may use aggregated or de‑identified data for analytics, benchmarking, and product improvement.

7. Intellectual Property

Claims Letters owns all rights, title, and interest in and to the Services, software, documentation, trademarks, and all improvements or enhancements. No rights are granted except as expressly stated in these Terms.

8. Fees and Billing

If you purchase paid Services, you agree to pay all fees specified at the time of purchase or in your Order Form. Fees are non‑refundable unless required by law. Claims Letters may suspend access for unpaid or overdue amounts. Taxes, if applicable, are your responsibility.

9. Termination

You may stop using the Services at any time. Claims Letters may suspend or terminate your access if you violate these Terms, fail to pay required fees, or if your use poses a security or operational risk.

Upon termination, your access to the Services ends. Claims Letters will retain Customer Data only as required by law or policy. Sections relating to intellectual property, disclaimers, and limitations of liability will survive termination.

10. Disclaimer of Warranties

THE SERVICES ARE PROVIDED “AS IS,” “AS AVAILABLE,” AND WITH ALL FAULTS. CLAIMS LETTERS DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON‑INFRINGEMENT, ACCURACY, AND UNINTERRUPTED OPERATION. YOU USE THE SERVICES AT YOUR OWN RISK.

11. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, CLAIMS LETTERS’ TOTAL LIABILITY IS LIMITED TO THE AMOUNT YOU PAID FOR THE SERVICES IN THE 12 MONTHS PRECEDING THE CLAIM. CLAIMS LETTERS IS NOT LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING LOST PROFITS OR LOST DATA.

12. Export Compliance

You may not use or access the Services in violation of U.S. export laws or regulations. You represent that you are not located in an embargoed country or on a restricted party list.

13. Governing Law

These Terms are governed by the laws of the State of California, without regard to conflict‑of‑law principles.

14. Changes to These Terms

Claims Letters may update these Terms from time to time. Material changes will be posted on our website. Continued use of the Services constitutes acceptance of updated Terms.

15. Contact

Claims Letters LLC
447 Sutter St Ste 405 #394
San Francisco, CA 94108
support@claimsletters.com