Claim Enforcer
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Terms of Service

Effective September 28, 2026 · Version 2026-09-28

These Terms of Service ("Terms") are a legal agreement between you and Claim Enforcer LLC. They apply when you use the Claim Enforcer app. Please read them carefully. Our Privacy Policy explains how we collect, use and share personal information.

The short version

This summary is here to help. It does not replace the full Terms below.

  • Claim Enforcer is a claim valuation and consumer resources platform. We are not a law firm, an appraisal firm, a public adjuster or an attorney referral service, and we do not give legal advice.
  • Reports are prepared by independent appraisers. Legal help comes from independent attorneys, who are paid legal advertisements.
  • We do not promise that you will recover any money. The free estimate is a ballpark, not an appraisal.
  • All sales are final, with these exceptions: if we haven't assigned an appraiser within 30 days of payment, or can't deliver any report, we'll refund you in full; if we deliver only one of the package's two reports, we'll refund $300. A limited report still counts as delivered. If we can't take your claim, we'll refund you (see Section 8).
  • What you share through the app is not protected by attorney-client privilege.
  • Most disputes will be decided by individual arbitration or in small claims court, not in class actions or jury trials. You can opt out within 30 days (see Section 19).

1. Who we are

The Claim Enforcer app is run by Claim Enforcer LLC, a Wyoming limited liability company ("Claim Enforcer," "we," "us" or "our").

  • Mail: 26719 Pleasant Park Rd, Suite 210A, Conifer, CO 80433
  • Email: info@claimenforcer.com
  • Phone: (720) 295-2039

Claim Enforcer is a claim valuation and consumer resources platform. We are not a law firm and do not give legal advice. You may use Claim Enforcer to order an appraiser and find a licensed attorney; but all attorneys listed on the platform are independent of Claim Enforcer and are paid legal advertisements.

Some words we use in these Terms:

  • "The Service" means the Claim Enforcer web app at app.claimenforcer.com, plus the emails and calendar invites it sends. Our marketing website, claimenforcer.com, is separate and has its own notices.
  • "You" means the person using the Service. If a parent or guardian agrees to these Terms for a minor, "you" means both of them.
  • "Professionals" means the appraisers, attorneys and collision centers (vehicle repair shops) who use the Service.
  • "Our staff" means the Claim Enforcer team members who help customers and run the Service.

2. Accepting these Terms, and who may use the Service

How you accept. You accept these Terms by checking the box that says you agree to them. You will see that box when you:

  • create an account;
  • first sign in to an account that someone else set up for you;
  • finish signing up with Google or Microsoft; or
  • are asked to accept a new version of these Terms.

Checking the box is your electronic signature. When you check the box, you also confirm that you are an adult under the rules below, or that your parent or legal guardian agrees to these Terms for you. Using the Service also means you accept these Terms. If you don't agree, please don't use the Service.

Adults. You may use the Service on your own if you are at least 18 years old. If the age of majority (the age at which you are legally an adult) is older where you live, you must be that age.

Minors aged 13 to 17. If you are 13 to 17, or older but still under the age of majority where you live, you may use the Service only with a parent or legal guardian. Your parent or guardian must agree to these Terms for you, by creating the account for you or by checking the box with you. Your parent or guardian is also responsible for paying for anything bought through your account. We may ask for proof of your age or of your parent's or guardian's agreement.

Children under 13. The Service is not for children under 13. No one under 13 may create an account or give us information. If we learn that a child under 13 has an account, we will close it and delete the child's information, as our Privacy Policy explains.

Other rules.

  • The Service is meant for people in the United States with vehicle damage claims from accidents in the United States.
  • Create only one account for yourself, and don't share it with anyone.
  • Give us true, accurate and complete information, and keep it up to date (contact us to change your email address).
  • If we have suspended or closed your account, don't open a new one without our permission.

3. Your account and security

Signing in. You can sign in with your email address and a password. Where offered, you can sign in with your Google or Microsoft account instead. If you do, Google's or Microsoft's own terms also apply to that account. Anyone who can get into that account may also be able to get into your Claim Enforcer account.

Keeping your account safe.

  • Keep your password private, and don't let anyone else use your account.
  • You are responsible for what happens in your account. This doesn't apply to anything caused by our own failure, or anything that happens after you tell us someone else is using your account.
  • If you think someone has used your account without permission, tell us right away at info@claimenforcer.com.

Staff sign-in. Our staff must enter a one-time code from an authenticator app each time they sign in. They can't see any customer information until they do.

Our staff may work in your account. To help with your claim, our staff can view your account and act in it for you, for example to add or correct information. Every action they take is logged, and the log shows both the staff member and you. Our staff can't start a payment for you. We don't notify you each time our staff work in your account.

If a professional set up your account or claim. An appraiser, attorney or collision center can set up an account or a claim for you in the Service. You decide whether to use it.

  • If you are new to Claim Enforcer, you will get an email invitation. No account is active until you set it up. Before you can use it, you must accept these Terms and our Privacy Policy. If you weren't expecting the invitation, you can ignore it.
  • If you already have an account, we will ask whether the claim is yours. Choose "Yes, this is my claim" to add it to your account. Choose "Not me," and we will close it.
  • The professional can't see the claim in the Service until you accept the invitation or confirm the claim. Once you do, the professional can see the claim, but only as much as their role allows (see Sections 6 and 10 and our Privacy Policy).
  • If you don't recognize the professional or the claim, please tell us.

4. What the Service does

The Service helps you document your vehicle damage claim and work with the people helping you. It includes:

  • Guides and educational content. General information about how claims like yours work, put together from your answers. Guides are not legal advice and do not create an attorney-client relationship.
  • A free estimate. A ballpark range of what you may have lost, calculated automatically from your answers. The estimate is not an appraisal, not legal advice, and not a promise that you will recover any amount.
  • Appraisal reports. You can order reports prepared by independent appraisers. See Sections 7 and 8.
  • Requests and documents. The people working on your claim can ask you for information and documents, such as photos or a repair estimate. You can answer and upload files in the app.
  • Messages. You can exchange messages with the people working on your claim.
  • Attorney consults. You can ask for a consult with an independent attorney. See Section 6.

Your claim team. In these Terms, your "claim team" means the people working on your claim through the Service:

  • our staff;
  • the appraiser assigned to your claim;
  • an attorney who takes your consult request or is assigned to your case; and
  • a collision center that sends you a request, but only for its own requests.

5. What we are not

Claim Enforcer is not a law firm, an appraisal firm, a public adjuster or an attorney referral service, and does not give legal advice. Appraisals are prepared by independent appraisers; legal help comes from independent attorneys.

This means:

  • No legal advice. Nothing in the Service is legal advice. That includes our guides, the estimate, reports, messages from our staff, and these Terms. For advice about your situation, talk to a licensed attorney.
  • No attorney-client relationship with us. Using the Service, asking for a consult or getting a report does not make Claim Enforcer your lawyer. You have an attorney-client relationship only with an attorney you hire directly, under that attorney's own agreement.
  • We don't represent you. We are not a public adjuster (someone you pay to handle an insurance claim for you). We don't act as your agent, and we don't negotiate with any insurance company for you.
  • Appraisers only appraise. Appraisers document and calculate your loss. They don't negotiate with insurers, give legal advice or represent you. Negotiation and legal strategy are for attorneys, if you choose to hire one.
  • We are not an appraisal firm. When you order a report, you pay us, and we arrange for an independent appraiser to prepare it.
  • We are not an attorney referral service. See Section 6.

What you share here is not privileged. Attorney-client privilege is a legal protection that can keep some communications with your lawyer confidential. Communications through the Service are not protected by attorney-client privilege. That includes messages and documents, even ones an attorney can see. Our staff can see them, and so can others on your claim team, depending on their role. Do not share privileged or confidential attorney-client information here. Your attorney will contact you directly by email or phone.

6. Attorneys on the platform

All attorneys who take part in the platform are independent of Claim Enforcer and are paid legal advertisements. They are not our employees or agents, and we don't control their legal work.

How consults work. Attorneys aren't shown to you as a list in the app. When you ask for a consult, attorneys who take part in the platform can see your request (without your name or claim details), and the first one to take it will contact you. Our staff assign an attorney to your case only if you ask us to.

  • We don't recommend or endorse any attorney. We don't guarantee any attorney's advice, work or results.
  • It's your choice. Whether to hire an attorney is up to you. If you'd rather talk to a different attorney, tell us. You can hire any attorney you want, on or off the platform.
  • A consult comes before any engagement. There's no commitment either way. Asking for a consult doesn't mean you have hired the attorney. It also doesn't mean the attorney has agreed to take your case. Claim Enforcer doesn't charge you to request a consult.
  • Your agreement is with the attorney. If you hire an attorney, that is between you and the attorney, under the attorney's own agreement and fees. Claim Enforcer is not part of it.

What an attorney can see.

  • When you ask for a consult, attorneys on the platform may see your case reference (a code that identifies your case) and when you asked. They don't see your name or your claim details.
  • Once an attorney takes your request, they can see your name, email address and phone number, so they can contact you.
  • An attorney may be assigned to your case, for example when your consult is scheduled. The assigned attorney can see your full claim file, including your contact details, documents and messages.

7. Appraisers and reports

  • Independent appraisers. Reports are prepared by independent appraisers. They are not our employees.
  • A report is an opinion. A report is the appraiser's opinion of value, based on the information and documents available to the appraiser. Another appraiser, or an insurance company, may reach a different number.
  • Accuracy depends on your information. Please give complete and accurate information and documents. A report based on missing or wrong information may be limited or wrong. If you think your report has a factual mistake, such as the wrong mileage, contact us and we will look into it.
  • Limited reports. Sometimes an appraiser can prepare only a limited report. For example, this can happen when a repair plan (the shop's written estimate for fixing your vehicle) is never provided. A limited report may cover less than a full report. A limited report still counts as a delivered report.
  • No delivery date. We don't promise when a report will be ready. Timing depends on the appraiser, your documents and your claim. When your report is ready, we will email you, and you can download it in the app.
  • Using your report. You may use, copy and share your report for your own claim. For example, you can share it with your insurance company, the other driver's insurance company, your attorney, or anyone else involved in resolving your claim. Please don't sell it or use it for any other business purpose.
  • Cases we can't take. We can't take every case. For example, the state where your accident happened, or the type of claim, may prevent it, and reports may be more limited in some states. If we can't take your case, we will tell you, before you pay when we can. If you have already paid and we can't take your case, you will get a full refund under Section 8.

8. Prices, payment and refunds

What you can buy. These are our services and prices as of the effective date of these Terms:

  • Pre-Suit Liability Claims Evidence Package, $600. A diminished value or total loss appraisal, a loss of use report and a review of the repair plan, together.
  • Diminished Value Report, $300. An appraisal of how much value your vehicle lost because it now has an accident history.
  • Total Loss Report, $300. An appraisal of what your vehicle was worth before it was totaled.
  • Loss of Use Report, $300. A report on what you lost while you could not use your vehicle.

The price you pay is the one shown on the services page and on the checkout page before you pay. Prices are in US dollars. If a sales tax or other tax applies, it will be shown on the checkout page before you pay. We may change our prices, but a change won't affect a purchase you have already paid for.

How you pay. You pay by card before work starts, on the secure checkout page of Stripe, our payment processor. Your card details go to Stripe, not to us. We never see or store your full card number. We email you a receipt. You can buy each service only once for the same claim.

No subscriptions. Every purchase is a one-time payment. There are no subscriptions and no automatic renewals.

Refunds. All sales are final, with these exceptions: if we haven't assigned an appraiser within 30 days of payment, or can't deliver any report, we'll refund you in full; if we deliver only one of the package's two reports, we'll refund $300.

  • No appraiser within 30 days. If we haven't assigned an appraiser within 30 days after you pay, you may ask for a full refund of that purchase at any time before an appraiser is assigned. This is what "we can't assign an appraiser" means in these Terms.
  • No report delivered. If we can't deliver any report for your purchase, we'll refund you in full.
  • The package. The $600 package contains two reports: the diminished value or total loss appraisal, and the loss of use report. The review of the repair plan is included and is not separately refundable. If we deliver one of the two reports but can't deliver the other, we'll refund $300. If we can't deliver either, we'll refund the full $600.
  • Claims we can't take. Some claims or states may not be possible (see Section 7). If we can't take your claim after you have paid, we'll tell you and refund you in full. You don't have to wait the 30 days.
  • A limited report (for example, one made without a repair plan) still counts as delivered (see Section 7).
  • A refund goes back to the card you paid with.
  • If you think you are owed a refund, contact us.

Billing mistakes. If we charge you by mistake, for example twice for the same service, we will refund the mistaken charge.

If you dispute a charge with your bank. Please contact us first. We can often fix a billing problem quickly. You keep any right you have to dispute a charge with your card issuer. If you file a dispute (a "chargeback"), we may give Stripe and your card issuer information about your purchase and what we delivered, so they can decide it. If a charge is reversed, we may pause work on that purchase.

Nothing in this section takes away a refund right that the law gives you and does not allow to be waived.

9. No guarantee of results

We do not promise that you will recover any money. What you can claim, and what you may actually recover, varies based on your actual damages, who was at fault, policy limits, and your own insurance contract. Insurance companies make their own decisions, and they may not agree with an estimate or a report.

Nothing in the Service promises or predicts that an insurer, or anyone else, will pay you any amount. That includes the estimate, our guides, reports, and anything our staff or an appraiser tells you.

10. Your content, and ours

You own your content. "Your content" means the documents, photos, messages and other information you put into the Service. You keep ownership of it.

Your permission to us. You give us permission (a "license") to store, copy, process, display and share your content. The license is limited, non-exclusive and free of charge. That means you can still use your content however you like, and neither of us pays the other for it. We use this license only to provide the Service to you, keep it secure, and meet our legal obligations. It lets us share your content:

  • with your claim team, each only as its role needs;
  • with the service providers that host and run the Service for us; and
  • in the other ways our Privacy Policy describes, such as when the law requires it.

For example, a collision center sees its own requests and the documents sent for them. If a collision center referred you to us, it can also see the status of that referral, shown by your case reference.

This license lasts as long as we keep your content under our Privacy Policy.

Your promises about your content. You must have the right to upload and share your content. Your content must not break the law or anyone else's rights.

Only upload what your claim needs. Please don't upload Social Security numbers or full card or bank account numbers unless a request specifically asks for them, and don't upload medical records or information about injuries or health at all. The Service handles vehicle damage claims only. Don't upload other people's sensitive information unless your claim needs it. When you can, cover up (redact) that kind of information before you upload.

Security scans. Every file uploaded to the Service is scanned for malware (viruses and other harmful software). No one can download a file until the scan finds it clean. We may block or refuse a file that fails the scan, is too large, is a type we don't accept, or breaks these Terms.

How long we keep things. We keep case data and documents for 7 years after your case closes, then delete them. Our Privacy Policy explains this and how we handle other information. Please keep your own copies of important documents and your reports. The Service is not a backup service.

Our content. The Service, including its software, design, text, guides, estimate tool and logos, belongs to us or our licensors. We give you a personal, limited, non-transferable permission to use the Service for your own claim. If you are a professional, you may use it for your work on claims through the Service. Don't copy, sell or reuse our content for any other purpose without our written permission.

11. Acceptable use

Don't use the Service to:

  • break the law, or help anyone else break it;
  • commit fraud, make a false or exaggerated claim, or upload fake or altered documents or photos;
  • pretend to be someone else, or misstate your connection to a person, vehicle or claim;
  • set up an account or claim for someone without their permission;
  • get into anyone else's account, case or files without permission;
  • collect data from the Service by scraping, crawling or other automated means;
  • probe or test the Service's security, get around its security or usage limits, or overload it;
  • upload viruses or other harmful code;
  • copy, change, reverse engineer or decompile the Service's software, except where the law allows it;
  • use information about another person from the Service for anything other than the claim it relates to; or
  • harass, threaten or abuse anyone.

Professionals. If you use the Service for your business, you accept these Terms for that business as well. Professionals must also follow the laws and professional rules that apply to their work. If you have a separate written agreement with us, that agreement controls wherever it conflicts with these Terms.

12. Communications and electronic records

Electronic records. You agree that we may give you these Terms, notices, receipts and other records electronically, in the app or by email to the address on your account. They count as "in writing." Agreements you accept electronically, such as by checking a box, are as binding as signed paper ones. This is your consent under the federal E-SIGN Act.

  • This consent covers every record about your account, your claim and your purchases, for as long as you have an account.
  • To use the Service and get these records, you need a device with internet access, a current web browser and an email account.
  • If we change what you need to get these records in a way that could stop you from getting them, we'll tell you first, and you can withdraw this consent at no charge.
  • You can print or save any record. You can also ask us for a paper copy, at no charge.
  • You can withdraw this consent by contacting us. Because the Service works online, withdrawing it means we may need to close your account.
  • Keep your email address up to date by telling us when it changes (you can't change it in the app yet), because we send important notices there.

Service emails. We send emails about your account and your claim. Examples include email confirmations, password resets, receipts, requests and due dates, consult invitations, new-message alerts and report deliveries. Some include calendar invites. These emails are part of the Service, so you can't turn them off while you have an account. We don't send marketing emails.

Phone and text messages. When you tell us about your claim, you can choose how you prefer to be reached: phone, email or text message. When we contact you personally about your claim, we will use the method you choose where we can. Service emails are sent by email either way.

  • By giving us your phone number, you agree that we, and the appraiser or attorney working on your claim, may call you at that number about your claim and your account.
  • If you choose text messages, you also agree that we may text you at that number. Message and data rates may apply.
  • We don't send marketing texts. You don't have to agree to texts to use the Service.
  • To stop texts at any time, reply STOP or contact us.

13. Changes to the Service and to these Terms

Changes to the Service. We may add, change or stop features. If we stop offering a service you paid for before we deliver it, you will get a refund under Section 8 for the reports we can't deliver: in full if we haven't delivered any report for that purchase, or $300 if we delivered one of the package's two reports.

Changes to these Terms. We may update these Terms. Each version shows its effective date and version number at the top.

  • When we publish a new version, the app will ask you to accept it the next time you sign in or use your account. You will need to accept it to keep using your account.
  • Until you accept a new version, the version you last accepted still applies to you.
  • If you don't want to accept a new version, you can stop using the Service and ask us to close your account.

14. Suspension and closing your account

You can leave at any time. You can stop using the Service whenever you like. To close your account, contact us, and we will close it for you. Closing your account doesn't entitle you to a refund, except as Section 8 says.

We may suspend or close your account. We may suspend, limit or close your account, or refuse service, if:

  • you break these Terms;
  • we reasonably suspect fraud, misuse or a security risk;
  • the law requires it; or
  • we stop offering the Service.

When we can, we will tell you why, unless the law or a safety or security concern prevents it. If we close your account for a reason that isn't your fault before we deliver what you paid for, you will get a refund under Section 8 for the reports we can't deliver: in full if we haven't delivered any report for that purchase, or $300 if we delivered one of the package's two reports.

Your information after closing. After your account is closed, we keep and delete your information as our Privacy Policy describes. For example, case data and documents are kept for 7 years after your case closes, then deleted.

What continues. Parts of these Terms that by their nature should continue after your account closes will continue. These include payments owed, refunds, the license for records we keep, disclaimers, limits on liability, indemnity, governing law and dispute resolution.

15. Disclaimers

To the fullest extent the law allows, the Service is provided "as is" and "as available," without warranties of any kind. This means we make no promises about the Service beyond those in these Terms. In particular:

  • We disclaim all implied warranties, including warranties of merchantability, fitness for a particular purpose, title and non-infringement. (Implied warranties are promises the law sometimes reads into a sale, even when no one says them out loud.)
  • We don't promise that the Service will always be available, uninterrupted, secure or error-free.
  • We don't promise that the estimate, the guides or other general content are accurate, complete or right for your situation.
  • We don't promise that any insurer, court or other party will accept a report or pay any amount.
  • Attorneys and collision centers are independent. We are not responsible for their advice, work or conduct.
  • The Service may link to websites or services we don't control, such as Stripe's checkout page. Their own terms apply, and we are not responsible for them.

Some states don't allow limits on implied warranties, so some of these limits may not apply to you. This section doesn't take away any warranty that the law says can't be excluded.

16. Limitation of liability

To the fullest extent the law allows, our total liability to you for all claims about the Service or these Terms is limited to the greater of:

  • the amount you paid us in the 12 months before the event that led to the claim; or
  • $100.

To the fullest extent the law allows, we are not liable for:

  • indirect, incidental, special, consequential or punitive damages;
  • lost profits or lost data; or
  • any amount you don't recover on your claim from an insurer or anyone else.

Indirect and consequential damages are losses that are side effects of a problem, rather than its direct cost.

These limits apply whatever the legal theory, including contract and negligence, and even if we knew the loss was possible. They don't apply to liability that the law doesn't allow us to limit, such as liability for our fraud, gross negligence or willful misconduct.

Some states don't allow these limits, so some or all of them may not apply to you.

17. Indemnity

"Indemnity" means covering someone else's losses. You agree to cover our reasonable losses and costs, including reasonable attorney fees, if someone else makes a claim against us because you:

  • broke these Terms;
  • broke the law; or
  • uploaded or shared content you had no right to share.

This applies only to the extent your actions caused the loss, and only as far as the law allows. It doesn't cover any loss caused by our own fault. We will tell you promptly about any such claim.

18. Governing law and courts

Governing law. These Terms are governed by the Federal Arbitration Act and other applicable federal law, and by the laws of the State of Wyoming where federal law does not apply, without regard to conflict-of-law rules. (Those are rules that could otherwise point to another state's laws.) This doesn't take away any protection you have under the consumer protection laws of the state where you live that can't be waived by agreement.

Courts. Any dispute between you and us that is not resolved by arbitration will be decided only in the state or federal courts for the county where you live, or in the State of Wyoming. If you bring the case, you choose which. If we bring it, we will bring it in the county where you live. You and we agree that those courts have jurisdiction (the power to hear the case). However, either of us may bring an individual case in the small claims court for the county where you live, if the case qualifies.

19. Arbitration and class-action waiver

Please read this section carefully. It affects how disputes between you and us are resolved. Unless you opt out, you and we agree to resolve disputes by individual arbitration or in small claims court. You and we both give up the right to a jury trial and to take part in a class action.

Arbitration means a neutral person (an arbitrator), not a judge or jury, decides the dispute. The arbitrator's decision is final and binding, and courts can review it only in limited ways. This Section 19 can be separated from the rest of these Terms (see 19.9).

19.1 Try to resolve it informally first. Before starting an arbitration or a court case, whichever of us has the dispute must send the other a written notice. Then we both must try in good faith to resolve it for 30 days.

  • Send your notice to info@claimenforcer.com or to our mailing address. We will send ours to the email address on your account.
  • The notice must include your name, the email address on your account, a description of the dispute and what you want.
  • Deadlines for bringing the dispute are paused during those 30 days.

19.2 What this section covers. Except as 19.3 says, you and we agree that any dispute arising out of or relating to these Terms or the Service will be resolved by binding individual arbitration. This Section 19 doesn't apply to a lawsuit or arbitration that you or we filed before you first accepted these Terms.

19.3 Small claims court. Either of us may bring an individual case in small claims court instead of arbitration, if the case qualifies. Either of us may also move a case that was filed in arbitration to small claims court, if it qualifies, until the arbitrator is appointed.

19.4 How arbitration works.

  • The American Arbitration Association ("AAA") will run the arbitration under its Consumer Arbitration Rules. Those rules are available at adr.org. If the AAA can't or won't run it, you and we will agree on another provider, or a court will choose one.
  • One arbitrator decides the dispute. The arbitration can happen through written submissions, by phone or video, or in person in the county where you live or another place we both agree to.
  • Fees. The AAA's Consumer Arbitration Rules decide who pays the arbitration fees. Under those rules, the fees you pay are limited, and we pay most of the costs.
  • Each side pays its own attorney fees, unless the arbitrator awards them under a law that allows it.
  • The arbitrator can award the same individual relief a court could, but only for the person bringing the claim. The arbitrator must follow these Terms and the law.
  • The arbitrator decides the dispute and any question about whether it must be arbitrated. The only exception: a court, not the arbitrator, decides whether the limit on relief above and the class-action waiver in 19.5 can be enforced.
  • Any court with jurisdiction can enter a judgment on the arbitrator's decision.

19.5 Individual claims only (class-action waiver). A class action is a lawsuit where one person sues on behalf of a larger group. You and we may bring claims against each other only individually, not as a plaintiff or class member in any class, collective or representative action. The arbitrator may not combine more than one person's claims, or oversee any class, collective or representative proceeding.

19.6 Jury trial waiver. You and we give up the right to a jury trial for any dispute covered by this Section 19, to the extent the law allows.

19.7 Opting out. You can reject this Section 19 by telling us within 30 days after you first accept these Terms.

  • Email info@claimenforcer.com with the subject "Arbitration opt-out," or mail a letter to our address.
  • Include your name, the email address on your account, and a clear statement that you are opting out of arbitration.
  • Opting out doesn't affect anything else in these Terms or your use of the Service. If you opt out, disputes go to court as Section 18 describes.

19.8 Changes to this section. If we make a significant change to this Section 19, you can reject the change. Tell us within 30 days after you accept the new version, the same way as an opt-out. Then the version of this section you last accepted keeps applying to you.

19.9 If part of this section can't be enforced.

  • If a court decides that a limit in 19.4 or 19.5 can't be enforced for a particular claim or kind of relief, that claim or relief will be decided in court, not in arbitration. One example is a request for an order that protects the public. The court case will wait until any individual claims are arbitrated.
  • If any other part of this Section 19 can't be enforced, that part will be removed, and the rest of this section stays in effect.
  • This Section 19 can be separated from the rest of these Terms. If it is removed, is found unenforceable as a whole, or doesn't apply to a dispute, the rest of these Terms still applies, and disputes go to court as Section 18 describes.

19.10 Other terms. The Federal Arbitration Act governs this Section 19. This section continues to apply after your account closes.

20. General terms

  • The whole agreement. These Terms and our Privacy Policy are the entire agreement between you and us about the Service. They replace any earlier agreements about it. For professionals, Section 11 explains how a separate agreement with us fits in.
  • If part can't be enforced. If a court finds part of these Terms can't be enforced, that part will be enforced as far as the law allows, or removed if it can't be. The rest stays in effect. Where a section has its own rule about this, that rule applies to that section.
  • Transfers. You can't transfer your account or these Terms to anyone else without our written permission. We may transfer these Terms as part of a merger, acquisition, sale of assets or reorganization. They will then continue to apply between you and the new owner.
  • No waiver. If we don't enforce part of these Terms right away, we can still enforce it later.
  • Events outside our control. We are not responsible for delays or failures caused by events outside our reasonable control. Examples include natural disasters, power or internet outages, failures of our service providers, labor disputes, government action and war. This doesn't change your right to a refund under Section 8.
  • Notices. We may send you notices by email to the address on your account, or in the app. You can send us notices by email to info@claimenforcer.com or by mail to our address.
  • Headings and summaries. Headings and "The short version" are for convenience. The full text of these Terms controls. "Including" means "including, for example," and never limits a list.

21. Contact us

If you have questions about these Terms, or need to send us a notice, contact us:

  • Email: info@claimenforcer.com
  • Phone: (720) 295-2039
  • Mail: Claim Enforcer LLC, 26719 Pleasant Park Rd, Suite 210A, Conifer, CO 80433

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