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LegalVersion 2.0Effective: August 22, 2026Acceptance required

Terms of Service

Version 2.0 · Effective Date: August 22, 2026

These Terms of Service ("Terms") are an agreement between you and A3 Software Ventures LLC, a Florida limited liability company ("Adjuster Copilot," "we," "us"), governing access to and use of the Adjuster Copilot platform, mobile and web applications, and related services (the "Service").

By creating an account, accepting these Terms in the app, or using the Service, you agree to these Terms. If you use the Service on behalf of an organization, you represent that you are authorized to bind that organization, and "Customer" refers to that organization; if you signed up as an individual, you are the Customer. If Customer has a separately signed written agreement with us covering the Service, that agreement controls over these Terms to the extent of any conflict.

1. Eligibility and accounts

  • You must be at least 18 years old and use the Service only for business purposes in connection with insurance claims handling. The Service is offered for use in the United States.
  • Accounts are created by invitation from a Customer administrator or, where self-registration is offered, directly by you.
  • Keep your credentials confidential. You are responsible for activity under your account. Notify us or your administrator promptly of any unauthorized use.
  • A Customer administrator controls the Customer's workspace, including inviting, suspending, and removing users and controlling access to Customer Content in the workspace.

2. The Service; changes; beta features

  • We provide the Service for use by insurance adjusters and claims organizations. We may improve, modify, or discontinue features. We will not materially reduce the core functionality of a paid subscription during a paid term without notice.
  • Features identified as beta, preview, or early access are provided for evaluation, may be changed or withdrawn at any time, and are provided as is without any commitment.
  • We aim for a reliable Service but do not commit to any uptime level or service-level agreement, and the Service may be unavailable due to maintenance or events beyond our control.

3. Subscriptions and payment

  • Plans. Access to the Service may be provided under a paid subscription. The plan, price, billing period, and any trial that applies to you are the ones presented to you at the time of purchase and confirmed in your receipt and subscription settings; those purchase-time disclosures govern your subscription.
  • Free trials. Where a free trial is offered, its length, what happens when it ends, and how to cancel are disclosed to you before the trial begins.
  • Recurring charges. Where you purchase a recurring subscription, you authorize us and our payment processor to charge your payment method on the billing cycle disclosed to you at purchase, until you cancel.
  • Cancellation. You may cancel at any time through the app, the billing portal, or by contacting privacy@adjustercopilot.ai. Cancellation takes effect as described to you at purchase. Cancellation is no more difficult than subscribing.
  • Refunds. Except where required by law, fees are non-refundable and no credits are given for partial billing periods.
  • Price changes. We may change prices with at least 30 days' notice; a change applies at your next renewal. If you do not agree, cancel before the renewal takes effect.
  • Non-payment. If a payment fails or a charge is reversed, we may suspend the workspace's access after notice until payment is resolved. Suspension does not delete Customer Content.
  • Taxes. Fees exclude taxes; you are responsible for applicable taxes other than taxes on our income.
  • App Store purchases. If subscriptions are offered through the Apple App Store, those purchases are additionally subject to Apple's terms.

4. Customer Content

  • Ownership. The Customer owns the claim, inspection, photo, document, signature, and narrative data submitted to its workspace ("Customer Content"). We claim no ownership of it. Users' account data is handled as described in the Privacy Policy.
  • License to us. Customer grants us the limited rights needed to host, store, process, transmit, display, and back up Customer Content to provide, secure, meter, and support the Service, as described in the Privacy Policy and the AI Usage & Disclaimer Policy. We do not use Customer Content to train AI models.
  • Your responsibilities for Customer Content. Claim files contain personal information about third parties (policyholders, claimants). You represent that you and the Customer have the legal right and any required authorization to collect and submit the content you upload — including photographs, documents, and signatures — and that your use of the Service complies with applicable insurance, privacy, and licensing law and any obligations the Customer owes to carriers or policyholders.
  • No monitoring; removal. We do not review Customer Content and have no obligation to monitor it, but we may remove or disable content we reasonably believe is unlawful or violates these Terms, and we may suspend accounts that upload malicious files. We do not scan uploaded files for malware; do not open files you do not trust.
  • Retention on termination. On termination or account deletion, data is handled per the Privacy Policy and the Account Deletion Policy. Customer Content is maintained for the Customer and retained under its instructions and applicable recordkeeping law; to obtain a copy of Customer Content, contact privacy@adjustercopilot.ai.

5. AI features

The AI Usage & Disclaimer Policy is part of these Terms. In short: AI output is generated by generative AI; it can be wrong; you must review and approve it before use; it is not professional advice; you may not rely on it alone for coverage or claim decisions; and we do not use your data to train AI models.

6. Acceptable use

You will not, and will not permit anyone to: (a) access data outside your authorized scope or another tenant's data; (b) upload malicious code or unlawful content; (c) interfere with or disrupt the Service; (d) reverse-engineer or copy the Service except as permitted by law; (e) resell or provide the Service to third parties outside your organization; (f) use the Service to violate law, including insurance-adjusting licensing requirements and communication-consent requirements; (g) misrepresent AI-generated content as human-authored where disclosure is required by law or by the recipient; or (h) use another user's credentials or circumvent access controls, rate limits, or usage metering.

7. Communications

  • We send transactional emails (and, where enabled, push notifications) needed to operate the Service. You can manage notification preferences in the app.
  • Electronic delivery. You consent to receive notices, disclosures, and these Terms electronically; withdraw consent by closing your account.

8. Third-party services

The Service incorporates third-party services (for example mapping and imagery from Google Maps, geocoding, weather data, hosting, and the AI provider). Third-party data — including maps, imagery, geocoded locations, weather reports, and mileage and route calculations — is provided for informational purposes, may be inaccurate or incomplete, and is not a substitute for your own verification. Use of Google Maps content within the Service is also subject to Google's terms.

9. Intellectual property; feedback

We and our licensors own the Service, including software, design, and documentation. No rights are granted except as stated. If you send us feedback or suggestions, we may use them without restriction or obligation; feedback is not Customer Content.

10. Confidentiality

Neither party will use or disclose the other's non-public information except to provide or use the Service, comply with law, or with consent. This obligation survives termination for three years; for Customer Content it survives as long as we hold the content.

11. Privacy and security

Our Privacy Policy describes what we process and how. We maintain administrative, technical, and organizational safeguards appropriate to the sensitivity of claims data. No security program eliminates risk, and we do not warrant that the Service is free of vulnerabilities. If we become aware of a security incident affecting Customer Content, we will notify affected Customers without undue delay, consistent with applicable law and lawful investigation needs.

12. Disclaimers

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE." TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, AND ANY WARRANTY ARISING FROM COURSE OF DEALING. WITHOUT LIMITING THE FOREGOING, WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, OR SECURE; THAT DATA (INCLUDING AI OUTPUT, MAPS, GEOCODING, WEATHER, MILEAGE, OR ROUTING DATA) WILL BE ACCURATE; OR THAT CONTENT STORED ON OR SYNCED THROUGH THE SERVICE WILL NOT BE LOST. Customers remain responsible for maintaining records as required by their legal, regulatory, professional, carrier, and contractual obligations. THE SERVICE IS A DOCUMENTATION AND WORKFLOW TOOL; WE ARE NOT AN INSURANCE ADJUSTER, ADJUSTING FIRM, BROKER, OR INSURER, AND WE DO NOT PROVIDE CLAIMS-ADJUSTING, LEGAL, OR ENGINEERING SERVICES.

13. Limitation of liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW: (a) NEITHER PARTY IS LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR FOR LOST PROFITS, REVENUE, DATA, OR GOODWILL; AND (b) OUR TOTAL AGGREGATE LIABILITY ARISING OUT OF OR RELATED TO THE SERVICE IS LIMITED TO THE GREATER OF (i) THE FEES PAID OR PAYABLE FOR THE SERVICE DURING THE TWELVE (12) MONTHS PRECEDING THE EVENT GIVING RISE TO LIABILITY OR (ii) FIVE HUNDRED U.S. DOLLARS (US $500).

THESE LIMITS DO NOT APPLY TO CUSTOMER'S PAYMENT OBLIGATIONS, TO A PARTY'S INDEMNIFICATION OBLIGATIONS UNDER THESE TERMS, OR TO ANY LIABILITY THAT CANNOT BE EXCLUDED OR LIMITED UNDER APPLICABLE LAW. Some jurisdictions do not allow the exclusion or limitation of certain damages, so some of the above may not apply to you; in that case our liability is limited to the greatest extent permitted by law.

14. Indemnification

Customer will defend and indemnify us against third-party claims arising from: (a) Customer Content, including claims that its collection or submission violated a third party's rights; (b) Customer's or its users' violation of law or of these Terms, including communication-consent and insurance-licensing requirements; and (c) claims-handling decisions or outcomes, including decisions informed by AI output. We will promptly notify Customer of any claim and reasonably cooperate in its defense.

15. Suspension; termination

  • We may suspend or terminate access for material violation of these Terms, non-payment, security risk, or where required by law; where practicable we will notify Customer and, for curable violations, allow a reasonable cure period.
  • Customer may stop using the Service at any time, and users may delete their accounts as described in the Account Deletion Policy.
  • On termination, rights granted to Customer end and data is handled per Section 4 and the Privacy Policy. Sections that by their nature survive — including Section 4 (as to retained records), Sections 9 through 14, and Sections 16 and 17 — survive termination.

16. Governing law; disputes

These Terms are governed by the laws of the State of Florida, excluding its conflict-of-law rules. The state and federal courts located in the State of Florida have exclusive jurisdiction over any dispute arising out of or relating to these Terms or the Service, and each party consents to personal jurisdiction and venue in those courts and waives any objection based on inconvenient forum.

Before filing, the parties will attempt in good faith to resolve the dispute informally by contacting privacy@adjustercopilot.ai. Nothing in this Section prevents either party from seeking injunctive or other equitable relief in those courts to protect its intellectual property, confidential information, or the security of the Service.

17. Changes to these Terms

We may update these Terms. For material changes we will give notice (in the app or by email) and post the revised version with a new version number and effective date; where required, continued use is conditioned on accepting the revised Terms in the app. The version you accepted is recorded, and the current version is available at the legal pages in the app.

18. Apple App Store

If you use our iOS app: these Terms are between you and us, not Apple; Apple has no obligation to furnish maintenance or support or to address any product claim; Apple is not responsible for third-party intellectual-property claims relating to the app; you represent you are not in a U.S.-embargoed country or on a U.S. restricted-party list; and Apple and its subsidiaries are third-party beneficiaries of these Terms with the right to enforce them against you as to the iOS app.

19. General

These Terms, together with the policies they incorporate and any signed Customer agreement, are the entire agreement between the parties. Customer may not assign these Terms without our consent, except to a successor of its business; we may assign to an affiliate or successor. If any provision is unenforceable, the rest remains in effect. No waiver arises from conduct. Neither party is liable for delays caused by events beyond its reasonable control. The parties are independent contractors. Notices to Customer are sent to the account email or delivered in-app; notices to us go to privacy@adjustercopilot.ai. Each party will comply with applicable export-control and sanctions laws. U.S. Government users receive only commercial-item rights.

20. Contact

Questions: privacy@adjustercopilot.ai.

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