Terms and Conditions

By accessing or using the Service, you represent and warrant that: (a) you are at least eighteen (18) years of age; (b) you have the legal capacity to enter into a binding agreement; (c) you are a resident of the United States; and (d) you are not barred from using the Service under applicable law. If you are using the Service on behalf of a business or other entity, you represent that you have authority to bind that entity to these Terms, and references to "you" include that entity.

Consent to AI Processing. By creating an account and using the Service, you expressly consent to the transmission of your inputs — including your questions, claim information, photographs, and documents — to a third-party artificial intelligence service provider for the purpose of generating responses. You acknowledge that without this consent, the Service cannot function. You may withdraw your consent at any time by deleting your account, which will end your access to the Service.

Pocket Adjuster is a software application that provides general informational and educational guidance to help policyholders, public adjusters, contractors, and other industry professionals understand and navigate the property insurance claims process. The Service uses artificial intelligence to respond to user questions about claims and, on paid tiers, to analyze user-submitted photos and documents.

What the Service Is Not. The Service is not a public adjuster, attorney, insurance agent, contractor, or other licensed professional. The Service does not represent users in claims, negotiate claims on behalf of users with any insurance carrier, prepare or sign sworn statements or proofs of loss, or perform any act that requires a license under applicable insurance, legal, or contracting laws. The Service does not establish an adjuster-client, attorney-client, or fiduciary relationship.

To use most features, you must create an account. You agree to (a) provide accurate, current, and complete information; (b) keep your account information up to date; (c) maintain the confidentiality of your login credentials; and (d) accept responsibility for all activity that occurs under your account. You must notify us immediately of any unauthorized use of your account. We are not liable for losses caused by unauthorized use of your account that occurs before you notify us.

We reserve the right to refuse registration, suspend, or terminate any account at our discretion, including for violations of these Terms, suspected fraud, or conduct that we determine, in our sole discretion, harms the Service or other users.

4.1 Free Tier

The free tier allows you to ask questions about a single claim and receive general informational responses, subject to usage limits and feature restrictions that we may modify at any time.

4.2 Premium Tiers

We offer the following paid subscription and one-time purchase options (collectively, "Premium"):

• Single-Claim Premium: A one-time purchase that unlocks Premium features for one (1) specific claim. This option does not auto-renew. Premium features remain available for that claim while your account is active and subject to the data retention provisions in Section 11.
• 10 Claims/Month Premium: A monthly subscription that allows you to create or actively use Premium features on up to ten (10) claims per billing cycle. Your claim allowance resets on the first day of each billing cycle and does not roll over.
• Unlimited Premium: A monthly subscription that allows you to use Premium features on an unlimited number of claims, subject to fair-use limits we may impose to prevent abuse.

4.3 Billing, Auto-Renewal, and Cancellation

Paid subscriptions are billed in advance on a monthly basis through Apple App Store, Google Play, or another platform-designated payment processor. Subscriptions automatically renew at the end of each billing cycle at the then-current rate unless you cancel at least 24 hours before the renewal date. You can cancel through your platform account settings (Apple ID, Google Account) at any time. Cancellation takes effect at the end of the current billing cycle, and you will retain Premium access through that date. Single-Claim Premium purchases are one-time and do not auto-renew.

4.4 Pricing Changes

We may change subscription prices at any time. We will notify you in advance of any price increase, and the new price will take effect at the start of your next billing cycle. Continued use of the Service after a price change constitutes acceptance of the new price.

4.5 Refunds

All purchases are final and non-refundable except where required by applicable law or by the policies of the platform through which you purchased (Apple App Store or Google Play). Refund requests for in-app purchases are handled exclusively through the platform on which the purchase was made; we do not have authority to process refunds for purchases made through those platforms. We may, at our sole discretion, issue refunds in cases of demonstrable billing error.

4.6 Taxes

All prices are exclusive of applicable taxes unless otherwise stated. You are responsible for any sales, use, or other taxes assessed on your purchases.

Subject to your compliance with these Terms, we grant you a limited, non-exclusive, non-transferable, non-sublicensable, revocable license to access and use the Service for your personal use (or, for industry professionals, internal business use). This license terminates automatically if you violate these Terms.

You may not: (a) copy, modify, distribute, sell, lease, or sublicense any part of the Service; (b) reverse engineer, decompile, or attempt to extract source code; (c) use the Service to develop a competing product; (d) use automated means (bots, scrapers, crawlers) to access the Service; (e) use the Service to transmit malware, spam, or any unlawful content; (f) attempt to gain unauthorized access to the Service or its underlying systems; (g) interfere with or disrupt the Service; or (h) use the Service in violation of any applicable law or regulation.

Your Sole Responsibility. You are solely responsible for any decisions you make or actions you take (or fail to take) based on AI Output or any other information provided through the Service, including without limitation decisions about whether to file a claim, how to document a claim, what to say to an insurance carrier, whether to accept or reject a settlement, or whether to retain a licensed professional. We expressly disclaim any responsibility for the consequences of your reliance on the Service.

7.1 What Is User Content

"User Content" means any information, text, photographs, documents, files, messages, or other materials that you upload, submit, post, or otherwise transmit to or through the Service, including questions you ask, claim details you enter, and documents or photographs you upload.

7.2 Ownership

As between you and us, you retain all rights, title, and interest in and to your User Content. We do not claim ownership of your User Content.

7.3 License You Grant Us

By submitting User Content, you grant us a worldwide, non-exclusive, royalty-free, sublicensable license to host, store, copy, transmit, display, process, modify (for technical reasons such as formatting or compression), and create derivative works of your User Content solely as necessary to operate, provide, secure, improve, and support the Service. This includes transmitting your User Content to third-party service providers, including artificial intelligence and machine-learning providers, as necessary to generate responses to your queries.

This license ends when you delete your User Content or your account, except that (a) we may retain copies as necessary to comply with legal obligations, resolve disputes, and enforce our agreements; (b) deleted content may persist in routine backup systems for a limited period before being overwritten; and (c) any anonymized or de-identified data derived from your User Content that no longer identifies you may be retained indefinitely.

7.4 No Training Without Consent

We do not use your User Content to train our own large language models. Our AI service providers process your User Content under contractual terms that prohibit them from using your content to train their underlying foundation models.

7.5 Your Representations About User Content

You represent and warrant that: (a) you own or have the necessary rights and permissions to submit your User Content and to grant the license above; (b) your User Content does not violate any law or infringe any third party's rights, including privacy, publicity, intellectual property, or contractual rights; (c) you have all necessary consents from any third parties whose personal information, photographs, or documents you submit; and (d) your User Content is not false, misleading, fraudulent, defamatory, obscene, harassing, or otherwise objectionable.

7.6 AI Output Ownership

Subject to your compliance with these Terms and payment of applicable fees, as between you and us, you own the AI Output generated specifically for you in response to your inputs. You acknowledge, however, that AI Output is generated by probabilistic models and that other users may receive similar or identical output in response to similar inputs. We make no warranty that AI Output is unique, accurate, or non-infringing. We retain all rights in the Service itself, including underlying software, models, prompts, and configurations.

You agree not to use the Service to:

• Engage in the unauthorized practice of public adjusting, law, insurance, or any other licensed profession.
• Negotiate a claim on behalf of another person for compensation unless you are duly licensed to do so.
• Submit false, fraudulent, exaggerated, or misleading information to an insurance carrier.
• Upload content that infringes any third party's intellectual property, privacy, or other rights.
• Upload sensitive personal information about another person without that person's consent.
• Harass, threaten, or harm any other person.
• Violate any applicable federal, state, or local law or regulation.
• Bypass, disable, or interfere with security or access-control features of the Service.
• Use the Service in any manner that could overburden, disable, damage, or impair the Service.

The Service may rely on, link to, or integrate with third-party services, including but not limited to cloud hosting providers, artificial intelligence providers, payment processors, subscription management providers, analytics providers, and authentication providers. Your use of any third-party service is governed by that third party's terms and privacy practices. We are not responsible for third-party services and do not endorse them. We may add, remove, or change third-party providers at our discretion.

The Service, including all software, content, designs, text, graphics, logos, trademarks, service marks, and trade dress, is owned by us or our licensors and is protected by United States and international intellectual property laws. "Pocket Adjuster" and any associated logos are trademarks of PA Technologies. Nothing in these Terms grants you any right or license to use any of our trademarks without our prior written consent.

If you provide us feedback, suggestions, or ideas about the Service ("Feedback"), you grant us a perpetual, irrevocable, worldwide, royalty-free, sublicensable license to use the Feedback for any purpose, without obligation or compensation to you.

Your user account remains active until you cancel your subscription, your payment method expires or fails, or you delete your account. Claim data is retained according to the rules below.

11.1 Free Tier Retention

Free tier users may have one (1) claim at a time. A free-tier claim and all associated data are automatically deleted thirty (30) days after the claim is created, regardless of activity.

11.2 Premium Tier Retention

While your Premium subscription remains active and in good standing:

• Inactive claims: Automatically deleted after ninety (90) consecutive days of inactivity. The inactivity clock resets each time you interact with the claim.
• Chat history rolling deletion: Individual chat messages older than one hundred eighty (180) days are automatically deleted on a rolling basis. Messages within the most recent 180-day window are preserved.

11.3 Subscription Cancellation, Lapse, or Payment Failure

11.4 Account Deletion

If you delete your user account, all of your claims and associated data will be deleted in accordance with the soft-delete and hard-delete process in Section 11.5, regardless of tier or activity status.

11.5 Soft Delete and Hard Delete

When a claim is scheduled for deletion, it will first enter a "soft delete" state for fifteen (15) days, during which it is removed from your active view but may be recoverable by contacting us. After the 15-day soft-delete period, the claim and all associated data will be permanently and irrecoverably deleted from our active systems ("hard delete"). Rolling chat-message deletion under Section 11.2 is hard-deleted directly.

11.6 Exceptions and Backups

We may retain certain information after hard deletion to the extent required by law, for legitimate business purposes such as fraud prevention, dispute resolution, or enforcement of these Terms, or in anonymized or aggregated form that no longer identifies you.

11.7 Your Responsibility to Export

YOU ARE SOLELY RESPONSIBLE FOR EXPORTING, BACKING UP, OR OTHERWISE PRESERVING ANY CLAIM DATA YOU WISH TO RETAIN BEFORE IT IS DELETED UNDER THIS SECTION 11. WE ARE NOT LIABLE FOR ANY LOSS, DAMAGE, OR PREJUDICE RESULTING FROM THE DELETION OF DATA IN ACCORDANCE WITH THIS POLICY, INCLUDING WITHOUT LIMITATION ANY ADVERSE EFFECT ON A PENDING OR FUTURE INSURANCE CLAIM, LITIGATION, OR OTHER MATTER.

We may suspend or terminate your access to the Service at any time, with or without notice, including if we believe you have violated these Terms, engaged in fraud or unlawful conduct, or created risk or legal exposure for us. You may terminate your account at any time by following the deletion process in the app or contacting us at the address in Section 21.

Upon termination: (a) your right to access and use the Service ends immediately; (b) any unused portion of a subscription is non-refundable except as required by law or platform policy; (c) provisions of these Terms that by their nature should survive termination (including Sections 6, 7, 10, 13, 14, 15, 16, 17, 18, 19, and 20) will survive.

THE SERVICE AND ALL CONTENT PROVIDED THROUGH IT (INCLUDING AI OUTPUT) ARE PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, INCLUDING WITHOUT LIMITATION WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, ACCURACY, COMPLETENESS, RELIABILITY, TIMELINESS, AND THOSE ARISING FROM COURSE OF DEALING OR USAGE OF TRADE. WITHOUT LIMITING THE FOREGOING, WE DO NOT WARRANT THAT: (A) THE SERVICE WILL MEET YOUR REQUIREMENTS; (B) THE SERVICE WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE; (C) AI OUTPUT OR ANY OTHER INFORMATION PROVIDED THROUGH THE SERVICE WILL BE ACCURATE, COMPLETE, RELIABLE, OR APPROPRIATE FOR YOUR SITUATION; (D) DEFECTS WILL BE CORRECTED; OR (E) THE SERVICE OR ANY SERVERS THAT MAKE IT AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.

Some jurisdictions do not allow the exclusion of certain warranties. To the extent such exclusions are not permitted by applicable law, the warranties are limited to the minimum extent permitted by law.

YOU EXPRESSLY ACKNOWLEDGE AND AGREE THAT YOUR USE OF THE SERVICE IS AT YOUR SOLE RISK. YOU ASSUME ALL RISK ASSOCIATED WITH ANY DECISION OR ACTION YOU TAKE (OR FAIL TO TAKE) BASED ON AI OUTPUT OR OTHER INFORMATION OBTAINED FROM THE SERVICE, INCLUDING WITHOUT LIMITATION DECISIONS REGARDING WHETHER OR HOW TO FILE, DOCUMENT, PURSUE, OR SETTLE AN INSURANCE CLAIM; WHETHER TO ACCEPT, REJECT, OR NEGOTIATE A CARRIER'S POSITION; WHETHER TO RETAIN OR DISCHARGE A LICENSED PROFESSIONAL; AND WHETHER TO RELY ON THE SERVICE IN ANY LEGAL, REGULATORY, OR FINANCIAL MATTER. YOU AGREE TO HOLD HARMLESS PA TECHNOLOGIES AND ITS AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, LICENSORS, AND SUPPLIERS (THE "RELEASED PARTIES") FROM ANY AND ALL LOSS, DAMAGE, COST, OR INJURY ARISING FROM OR RELATED TO ANY ACT OR OMISSION YOU TAKE IN RELIANCE ON THE SERVICE OR AI OUTPUT, EVEN IF THE INFORMATION RELIED UPON WAS INACCURATE, INCOMPLETE, OR OTHERWISE FLAWED.

TO THE FULLEST EXTENT PERMITTED BY LAW, IN NO EVENT WILL THE RELEASED PARTIES BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, REVENUE, DATA, GOODWILL, INSURANCE BENEFITS, CLAIM PROCEEDS, BUSINESS OPPORTUNITY, OR USE, ARISING OUT OF OR RELATED TO THE SERVICE OR THESE TERMS, REGARDLESS OF THE THEORY OF LIABILITY (CONTRACT, TORT, STRICT LIABILITY, OR OTHERWISE) AND EVEN IF THE RELEASED PARTIES HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. IN NO EVENT WILL THE RELEASED PARTIES' TOTAL CUMULATIVE LIABILITY ARISING OUT OF OR RELATED TO THE SERVICE OR THESE TERMS EXCEED THE GREATER OF (A) THE TOTAL AMOUNT YOU PAID US IN THE TWELVE (12) MONTHS PRECEDING THE EVENT GIVING RISE TO THE CLAIM, OR (B) ONE HUNDRED U.S. DOLLARS ($100.00).

Some jurisdictions do not allow the limitation or exclusion of certain damages. To the extent such limitations are not permitted by applicable law, our liability is limited to the maximum extent permitted by law.

You agree to defend, indemnify, and hold harmless the Released Parties from any claim, demand, action, loss, liability, damage, cost, or expense (including reasonable attorneys' fees) arising out of or related to: (a) your use or misuse of the Service; (b) your User Content; (c) your violation of these Terms; (d) your violation of any law or any third party's rights; or (e) any action you take or fail to take in reliance on AI Output or other information obtained through the Service. We reserve the right to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, and you will cooperate with our defense of those claims.

17.1 Agreement to Arbitrate

Any dispute, claim, or controversy arising out of or relating to these Terms or the Service (a "Dispute") will be resolved exclusively by binding individual arbitration, except as set forth in Section 17.4 below. This agreement to arbitrate is governed by the Federal Arbitration Act.

17.2 Arbitration Procedure

The arbitration will be administered by the American Arbitration Association ("AAA") under its Consumer Arbitration Rules. The arbitration will be conducted by a single arbitrator. The seat of arbitration will be Orange County, Florida, although the arbitrator may conduct hearings remotely or, for claims under $25,000, on a documents-only basis. The arbitrator's decision will be final and binding, and judgment on the award may be entered in any court of competent jurisdiction.

17.3 Class Action Waiver

YOU AND WE AGREE THAT DISPUTES WILL BE RESOLVED ONLY ON AN INDIVIDUAL BASIS. NEITHER YOU NOR WE MAY BRING A CLAIM AS A PLAINTIFF OR CLASS MEMBER IN A CLASS, COLLECTIVE, OR REPRESENTATIVE ACTION, AND THE ARBITRATOR HAS NO AUTHORITY TO CONSOLIDATE CLAIMS OR PRESIDE OVER ANY CLASS, COLLECTIVE, OR REPRESENTATIVE PROCEEDING. IF THIS CLASS-ACTION WAIVER IS HELD UNENFORCEABLE, THEN THE ENTIRETY OF THIS ARBITRATION SECTION WILL BE NULL AND VOID, BUT THE REMAINDER OF THESE TERMS WILL CONTINUE IN EFFECT.

17.4 Exceptions

Notwithstanding the agreement to arbitrate, (a) either party may bring an individual action in small claims court for Disputes within the court's jurisdiction; and (b) either party may seek injunctive or equitable relief in court to protect intellectual property rights or address unauthorized access to the Service.

17.5 Opt-Out

You may opt out of this arbitration agreement by sending written notice of your decision to opt out to the contact address in Section 21 within thirty (30) days after first accepting these Terms. The notice must include your name, email associated with your account, and a clear statement that you wish to opt out. Opting out does not affect any other provisions of these Terms.

These Terms and any non-arbitrable Dispute are governed by the laws of the State of Florida, without regard to its conflict-of-laws principles. For any non-arbitrable Dispute, you and we consent to the exclusive jurisdiction and venue of the state and federal courts located in Orange County, Florida.

We may modify these Terms at any time by posting the revised Terms in the Service and updating the "Last Updated" date above. Material changes will be communicated through reasonable means, such as in-app notice or email. Your continued use of the Service after the effective date of the revised Terms constitutes your acceptance. If you do not agree to the revised Terms, you must stop using the Service.

20.1 Entire Agreement. These Terms, together with our Privacy Policy and any other agreements expressly referenced here, constitute the entire agreement between you and us regarding the Service and supersede any prior agreements.

20.2 Severability. If any provision of these Terms is held to be invalid or unenforceable, the remaining provisions will remain in full force and effect, and the unenforceable provision will be modified to the minimum extent necessary to make it enforceable while preserving its intent.

20.3 No Waiver. Our failure to enforce any provision of these Terms is not a waiver of our right to do so later.

20.4 Assignment. You may not assign or transfer these Terms or your account without our prior written consent. We may assign these Terms at any time without notice.

20.5 Force Majeure. We will not be liable for any failure or delay in performance caused by events beyond our reasonable control, including acts of God, natural disasters, war, terrorism, riots, civil unrest, government action, labor disputes, internet or telecommunications failures, or cyberattacks.

20.6 No Agency. Nothing in these Terms creates any agency, partnership, joint venture, or employment relationship between you and us.

20.7 Notices. We may provide notices to you through the Service, by email, or by other reasonable means. You must provide notices to us in writing to the address in Section 21.

20.8 Apple and Google Store Terms. If you downloaded the Service from the Apple App Store, you acknowledge that these Terms are between you and us only, not with Apple, and that Apple is not responsible for the Service or its content. Apple is a third-party beneficiary of these Terms with the right to enforce them. Similar terms apply to Google Play and any other platform through which you obtain the Service.

By using the Service, you acknowledge that you have read, understood, and agree to be bound by these Terms.