Terms & Conditions

ClaimArchitect provides an AI-assisted, builder-verified rebuild valuation service for property owners with insurance claims in the United States.

We are not:

• A law firm or legal service
• Public adjusters or claim representatives
• Insurance brokers or agents
• Tax advisors or financial advisors

Nothing in our Services constitutes legal, tax, financial, or insurance advice, and no attorney–client, public adjuster–client, or fiduciary relationship is created by your use of the Services.

Our role is limited to preparing independent construction cost estimates and related documentation. We do not:

• Adjust, manage, or settle insurance claims;
• Represent you before your insurer, courts, or regulators;
• Communicate with your insurer on your behalf to negotiate or resolve your claim.

By using the Services, you represent and warrant that:

• You are at least 18 years of age;
• You have the legal authority to enter into these Terms on your own behalf or on behalf of the property owner;
• You have the right to provide us with the documents and information you upload;
• You are located in, and using the Services in relation to, property located in the United States.

If you use the Services on behalf of another person or entity, you confirm that you are authorized to do so and that such person or entity agrees to be bound by these Terms.

Our core paid service (the "Architect-Level Report," "Report," or "Service") generally includes:

• AI-assisted review of your insurance policy and adjuster's estimate (for valuation and organization purposes only);
• Digital reconstruction and/or takeoffs performed with professional tools and data;
• Application of local construction pricing;
• Review and sign-off by a licensed builder/contractor (where applicable);
• Delivery of a written rebuild valuation report;
• Limited support to help you understand and use the Report with your own advisors.

We may also provide:

• Website content, articles, and educational resources;
• An AI-powered chatbot to answer general questions;
• Email, phone, or SMS communications related to your inquiry or our Services.

We may modify, update, suspend, or discontinue any part of the Services at any time, with or without notice.

All information, content, and Reports provided by ClaimArchitect are for informational and educational purposes only and are not a substitute for:

• Legal advice;
• Tax advice;
• Financial, investment, or insurance brokerage advice.

You are solely responsible for consulting qualified professionals (including attorneys, tax advisors, public adjusters, and financial advisors) before making decisions based on any Report or information we provide.

We do not:

• Represent you before your insurance carrier, courts, or regulators;
• File, manage, or settle your claim;
• Provide legal representation or legal opinions as to coverage or liability.

Any referrals to attorneys, public adjusters, or other professionals are for convenience only. Any engagement is strictly between you and that third party, under your separate agreement with them.

Our website may include an AI chatbot or other automated tools to help answer questions or collect information.

You understand and agree that:

• Responses may be automatically generated and may contain errors or omissions;
• Chatbot responses do not constitute legal, tax, financial, insurance, or professional advice;
• You should not rely on chatbot responses as a sole basis for decisions;
• Conversations may be logged and used to improve our Services, as described in our Privacy Policy.

Your use of the chatbot is subject to these Terms and our Privacy Policy.

Price.
The current fee for the Architect-Level Report is charged as a simple flat fee, unless otherwise stated in a written agreement. Prices may change prospectively at any time.

Payment.
Payment is generally due in full at the time you place an order or as otherwise specified during the order process, via the payment methods offered on our site (e.g., credit card or third-party payment processors). You authorize us and our payment processors to charge your selected payment method for the total amount.

Taxes.
You are responsible for any applicable taxes, duties, or government charges associated with your purchase.

We reserve the right to accept or decline any order at our discretion, including where we determine that a project is not an appropriate fit for our Services.

We offer a conditional money-back guarantee on our Architect-Level Report:

If the final total rebuild valuation in our Report does not exceed the total rebuild amount in your original adjuster's written estimate (the "Baseline Estimate"), we will refund the full fee.

To be eligible for the guarantee:

• You must provide us with a complete copy of the Baseline Estimate before we begin work;
• You must provide your full insurance policy and other requested documentation in a timely manner;
• Any later revised estimates, supplements, or offers from your carrier do not alter the Baseline Estimate for guarantee purposes;
• You must notify us in writing within 30 days of Report delivery if you believe the guarantee applies.

The guarantee relates solely to our rebuild valuation compared to the Baseline Estimate. It does not:

• Guarantee any specific payment, settlement, or outcome from your insurance carrier or any third party;
• Cover any other costs, damages, or consequential losses.

Except as expressly provided above or required by law, all fees are non-refundable.

You are responsible for:

• Ensuring the documents and information you provide are accurate, complete, and current;
• Promptly supplying requested documents (policy, estimates, photos, plans, reports, etc.);
• Using our Reports and information in compliance with applicable laws and any agreements you have with your carrier or other parties.

We may rely on the information and documents you provide without independent verification, and we are not responsible for inaccuracies or omissions in such information.

You are solely responsible for managing your insurance claim and for all communications and negotiations with your insurer and other parties.

All content on the Services—including text, graphics, logos, images, software, and the compilation thereof—is owned by ClaimArchitect or its licensors and is protected by copyright, trademark, and other applicable laws.

Subject to these Terms, we grant you a limited, non-exclusive, non-transferable license to use the Reports we create solely for your own personal, household, or internal business purposes in connection with your property and claim.

You may not:

• Copy, reproduce, distribute, publicly display, or create derivative works from our content except as necessary for your own claim;
• Sell, sublicense, or otherwise commercially exploit the Reports for third parties;
• Reverse engineer, decompile, or attempt to extract source code from any software used in the Services.

The Services may reference or integrate with:

• Third-party software, AI tools, and cloud providers;
• Payment processors;
• Analytics and advertising platforms;
• External websites and content.

We do not control and are not responsible for any third-party services, sites, or content. Your use of third-party services is subject to their own terms and privacy policies.

If we refer you to an attorney, builder, public adjuster, or other professional, any engagement or relationship is solely between you and that third party. We are not responsible for the acts, omissions, or advice of third parties.

To the maximum extent permitted by law, the Services and Reports are provided on an "as is" and "as available" basis, without warranties of any kind, express or implied, including:

• Accuracy, completeness, reliability, or timeliness;
• Fitness for a particular purpose;
• Non-infringement;
• That any specific outcome, payment, or settlement will be achieved.

Without limiting the foregoing, we do not warrant that:

• Your insurer, public adjuster, attorney, or any third party will accept, agree with, or rely on our Report;
• The Services will be uninterrupted, error-free, secure, or free from harmful components.

You use the Services and Reports at your own risk.

To the fullest extent permitted by law:

ClaimArchitect and its owners, officers, employees, contractors, and agents shall not be liable for any indirect, incidental, consequential, special, punitive, or exemplary damages (including lost profits, lost opportunities, loss of use, data loss, or emotional distress) arising out of or relating to the Services, Reports, or these Terms, even if advised of the possibility of such damages.

Our total aggregate liability for any claim arising out of or relating to the Services or these Terms shall not exceed the total amount of fees you paid us for the specific Report giving rise to the claim.

Some jurisdictions do not allow certain limitations of liability; in such cases, our liability is limited to the minimum extent permitted by applicable law.

You agree to indemnify, defend, and hold harmless ClaimArchitect and its affiliates, officers, employees, and agents from and against any claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys' fees) arising out of or related to:

• Your use of the Services or Reports;
• Your breach of these Terms;
• Your violation of any law or rights of a third party;
• Information or documents you provide to us.

These Terms are governed by and construed in accordance with the laws of the State of California, USA, without regard to its conflict of laws principles.

Any dispute arising out of or relating to these Terms or the Services shall first be subject to good-faith discussions between the parties. If not resolved, the dispute shall be brought exclusively in the state or federal courts located in Los Angeles County, California, and you consent to their jurisdiction and venue.

We may update these Terms from time to time. When we do, we will revise the "Last updated" date at the top of this page. Your continued use of the Services after any changes become effective constitutes your acceptance of the updated Terms.

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

• Email: support@claimarchitect.com
• Mailing Address: Buildz LLC, 409 Westminster Ave, Venice, CA 90291
• Phone: (831) 264-3911