Terms of service

Acceptance of terms

By accessing or using ClaimCalc.app ("the Site"), you agree to be bound by these Terms of Service ("Terms") and our Privacy Policy. If you do not agree, do not use the Site.

These Terms apply to all visitors, users, and others who access or use the Site. We may revise these Terms at any time. The "Effective" date at the top reflects the most recent version. Continued use after a revision constitutes acceptance.

What the Site provides

ClaimCalc provides:

• Interactive settlement calculators that produce estimated ranges based on industry-standard methodology (the multiplier method).
• Editorial guides explaining personal injury claims, settlement timelines, and negotiation conventions.
• References to publicly available data sources (NHTSA, BJS, IRC, IRS, state statutes).
• Links to third-party legal directories that may connect you with personal injury attorneys.

ClaimCalc does not provide:

• Legal advice for your specific case. We are not attorneys.
• Medical advice. We reference medical concepts (MMI, imaging findings) only for context.
• Guarantees about case outcomes. Settlement values depend on many factors a calculator cannot evaluate.
• Representation. We do not act on your behalf, file documents, or negotiate with insurers.

No attorney-client relationship

Using the Site, contacting the editorial team, or clicking through to a third-party legal directory does not create an attorney-client relationship between you and ClaimCalc.

If you retain an attorney through one of our affiliate partners, your relationship is with that attorney's firm, governed by their separate engagement agreement and applicable state bar rules. ClaimCalc has no role in that representation.

Acceptable use

You agree to use the Site only for lawful purposes. You agree not to:

• Use the Site in any way that violates applicable federal, state, local, or international law.
• Scrape, mine, or extract data from the Site beyond what is allowed by our robots.txt.
• Attempt to gain unauthorized access to our systems or interfere with the Site's operation.
• Reproduce, distribute, or commercially exploit our editorial content without written permission.
• Misrepresent yourself or impersonate any person or entity.
• Use automated systems (bots, scripts) to spam our contact email.

Intellectual property

All content on the Site — including text, calculator logic, design, graphics, logos, and the compilation of source citations — is the property of ClaimCalc and is protected by United States and international copyright law.

You may:

• Read, share, and quote brief excerpts with proper attribution to ClaimCalc.app.
• Link to any page on the Site from external sites.
• Use calculator outputs for personal decision-making.

You may not:

• Republish our content in full on other websites.
• Train AI models on our editorial content (see our llms.txt for permitted use).
• Create derivative works (translations, adaptations) without permission.
• Remove copyright notices or rebrand our content as your own.

Disclaimer of warranties

THE SITE AND ITS CONTENT ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. To the fullest extent permitted by applicable law, ClaimCalc disclaims all warranties, including but not limited to:

• Merchantability and fitness for a particular purpose.
• Accuracy, completeness, or timeliness of any information.
• Uninterrupted or error-free operation of the Site.
• Specific results from using the calculators or following the guides.
• Compatibility with your particular browser, device, or assistive technology.

Settlement values depend on facts, evidence, state law, insurance policy limits, jury behavior, and judgment calls a calculator cannot make. Two cases with identical calculator inputs may settle for substantially different amounts.

Limitation of liability

TO THE FULLEST EXTENT PERMITTED BY LAW, ClaimCalc, its editorial team, contributors, and affiliates shall NOT be liable for any indirect, incidental, special, consequential, or punitive damages, including without limitation:

• Loss of profits, settlement value, or earnings opportunity.
• Damages arising from reliance on calculator estimates or guide content.
• Damages arising from your decision to settle, not settle, hire an attorney, or proceed without one.
• Damages arising from third-party services (legal directories, attorneys you retain through our affiliate links).
• Service interruptions, security breaches, or data loss.

Our maximum aggregate liability for any claim arising from your use of the Site is limited to one hundred US dollars ($100) or the amount you have paid us in the preceding 12 months (whichever is greater). Most users have paid us nothing.

Some jurisdictions do not allow limitation of certain warranties or damages. In those jurisdictions, our liability is limited to the maximum extent permitted by law.

Indemnification

You agree to indemnify and hold harmless ClaimCalc, its editorial team, contributors, affiliates, and licensors from any claim, demand, loss, or expense (including reasonable attorneys' fees) arising from:

• Your use or misuse of the Site.
• Your violation of these Terms.
• Your violation of any third-party rights, including intellectual property or privacy rights.
• Any decision you make based on calculator outputs or guide content.

Third-party services and links

The Site contains links to third-party legal directories (LegalMatch, Martindale-Hubbell, FindLaw, Avvo, and others) and external sources (NHTSA, BJS, IRS, etc.). These links are marked with rel="sponsored" when they are affiliate links.

ClaimCalc has no control over the content, privacy policies, or practices of third-party sites. We assume no responsibility for them. We encourage you to read the terms and privacy policies of any third party before sharing your information with them.

Compensation we receive from affiliate links does not change the editorial content of the Site. Our recommendations and warnings are independent of which partner you ultimately use.

Dispute resolution and arbitration

Any dispute, claim, or controversy arising out of or relating to these Terms or the Site shall be resolved by binding individual arbitration administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules, except that either party may bring an individual action in small-claims court.

You waive your right to participate in a class action. Arbitration shall be conducted in English and the seat of arbitration shall be the State of Delaware.

Notwithstanding the above, ClaimCalc may seek injunctive or other equitable relief in any court of competent jurisdiction to protect its intellectual property rights.

Governing law

These Terms are governed by the laws of the State of Delaware, United States, without regard to its conflict-of-laws principles. Any action not subject to arbitration (per Section 10) shall be brought exclusively in the state or federal courts located in Delaware.

Severability and entire agreement

If any provision of these Terms is held invalid or unenforceable, that provision shall be limited or eliminated to the minimum extent necessary; the remaining provisions shall remain in full force.

These Terms, together with the Privacy Policy and Full Disclaimer, constitute the entire agreement between you and ClaimCalc concerning the Site.

Termination

We may terminate or suspend your access to the Site at any time, without notice or liability, for any reason, including breach of these Terms. On termination, your right to use the Site ends immediately. Sections that should reasonably survive (intellectual property, disclaimers, limitation of liability, indemnification, dispute resolution, governing law) shall survive.

Contact

Questions about these Terms: editor@claimcalc.app.