Terms of Service

Last Updated: February 15, 2026 · Version 3.0

Important Notice: These Terms of Service constitute a legally binding agreement between you and Restoria AI, Inc., a Delaware corporation. By accessing or using the Service, you acknowledge that you have read, understood, and agree to be bound by these Terms.

This agreement contains a binding arbitration provision and class action waiver in Section 17 that affects your legal rights. Please read Section 17 carefully.

1. Eligibility and Account Registration

1.1 Eligibility Requirements

To access and use the Service, you must:

Be at least 18 years of age
Be a licensed public insurance adjuster, or an authorized employee or contractor operating under the direct supervision of a licensed public adjuster
Have the legal authority to enter into this Agreement
Be located in and authorized to conduct business in the United States

1.2 Business Use Only

The Service is designed exclusively for business and professional use by licensed public insurance adjusters and their authorized representatives. The Service is not intended for personal, family, or household purposes.

1.3 Account Registration

You agree to provide truthful and accurate registration information, maintain and promptly update your account information, maintain the security of your login credentials, and accept responsibility for all activities under your account.

2. Description of Service

2.1 Platform Overview

Restoria AI is a SaaS platform that provides administrative and drafting support tools designed to assist licensed public insurance adjusters with claims management, document processing, data extraction, and workflow optimization.

2.3 Service Limitations

The Service is a data extraction and drafting tool only. The Service cannot and does not determine coverage, value claims, calculate damages, negotiate settlements, or provide legal, financial, or professional insurance adjusting advice.

You retain sole professional responsibility for all claim determinations, valuations, coverage analyses, and negotiations.

3. Artificial Intelligence Disclosure and Limitations

Important: This Service uses artificial intelligence technology. When you interact with the AI assistant, you are communicating with a non-human, automated system.

AI-generated outputs may not be accurate, complete, current, or reliable and may contain errors, hallucinations, or fabricated information. All AI-generated content requires review, verification, and approval by a licensed professional before use.

4. Professional Responsibility and Licensing

You represent and warrant that you hold all required licenses and will maintain them throughout your use of the Service. You — not Restoria AI — are solely responsible for all professional decisions, compliance with applicable laws, the accuracy of all claim submissions, and reviewing all AI-generated outputs before professional use.

5. Subscription Plans and Payment

Access to the Service requires a paid subscription. Subscriptions are billed on a recurring basis (monthly or annually) until cancelled. Your subscription will automatically renew at the end of each billing period.

Our order process, tax collection, and subscription billing are conducted by our designated Merchant of Record, Polar Software Inc.

5.6 Refund Policy

Monthly: Non-refundable. Cancel anytime; access continues until end of billing period.
Annual: Full refund within first 30 days. Non-refundable after 30 days.

6. Acceptable Use Policy

You may use the Service only for lawful purposes consistent with these Terms. You agree NOT to violate laws, attempt unauthorized access, circumvent security, reverse engineer the Service, use automated bots, commit fraud, or use AI features to generate false or misleading documentation.

7. User Content and Data

You retain all ownership rights in your User Content. By uploading content, you grant Restoria AI a limited license to store, process, and display it as necessary to provide the Service.

Data Retention: Upon account termination, you have 30 days to export your data. A Compliance Hold option is available for statutory record-keeping requirements. You are solely responsible for exporting data needed for statutory compliance.

8. Intellectual Property Rights

The Service and all associated intellectual property are the exclusive property of Restoria AI. You own the outputs generated by the AI based on your specific inputs and User Content.

9. Third-Party Services and Integrations

The Service integrates with Anthropic (AI), Google Cloud Platform, Clerk (authentication), Polar Software Inc. (payments), and DocuSeal (electronic signatures). Your use may be subject to their additional terms.

10. Privacy and Data Protection

Our collection, use, and protection of personal information is governed by our Privacy Policy. We implement security measures consistent with 16 CFR Part 314 (FTC Safeguards Rule).

11. Confidentiality

Each party agrees to protect confidential information using reasonable care, use it only for purposes of performing under these Terms, and not disclose it to third parties except as necessary to provide the Service.

12. Service Availability and Modifications

We strive to maintain high availability but do not guarantee uninterrupted access. We may modify the Service with at least 30 days' advance notice for material changes.

13. Disclaimers of Warranties

The Service is provided "as is" and "as available" without warranties of any kind. We specifically disclaim any warranty that AI outputs will be accurate, complete, or suitable for any particular purpose.

14. Limitation of Liability

To the maximum extent permitted by law, Restoria AI shall not be liable for any indirect, incidental, special, consequential, or punitive damages. Our total cumulative liability shall not exceed the amounts you paid in the twelve months preceding the event giving rise to the claim.

15. Indemnification

You agree to indemnify and hold harmless Restoria AI from claims arising out of your use of the Service, your User Content, your violation of these Terms, your professional conduct, and your reliance on AI outputs without appropriate professional review.

16. Term and Termination

You may cancel at any time via the "Cancel Subscription" button in account settings (available 24/7) or by contacting us. We will not require you to call customer support to cancel.

Upon termination, you have 30 days to export your data. You are solely responsible for exporting data needed for statutory record retention before the export period expires.

17. Dispute Resolution and Arbitration

Before initiating formal proceedings, you agree to attempt informal resolution (60 days). Any dispute shall be determined by binding arbitration administered by JAMS in Delaware.

Class Action Waiver: You and Restoria AI agree that each may bring claims only in individual capacity and not as a plaintiff or class member in any class, collective, or representative proceeding.

You may opt out of arbitration by sending written notice within 30 days of first accepting these Terms. Any cause of action must be commenced within one year after it accrues.

18. Governing Law and Jurisdiction

These Terms shall be governed by the laws of the State of Delaware. For disputes not subject to arbitration, you consent to the exclusive jurisdiction of Delaware courts.

19. Digital Millennium Copyright Act (DMCA)

DMCA Agent: Restoria AI, Inc., 1207 Delaware Ave #1021, Wilmington, DE 19806. Email: [email protected]

20. Export Compliance

You agree not to export or transfer the Service in violation of U.S. export control laws and regulations.

21. Modifications to Terms

We may modify these Terms at any time. Material changes take effect 30 days after notice.

22. General Provisions

These Terms constitute the entire agreement between you and Restoria AI regarding the Service. If any provision is found unenforceable, the remaining provisions continue in full force. These Terms are written in English; in case of conflict with any translation, the English version controls.

23. Contact Information

Restoria AI, Inc.

1207 Delaware Ave #1021, Wilmington, DE 19806
Email: [email protected]
Support: [email protected]
Phone: 646-234-2277