Restoria AI Terms of Service

Last Updated: February 15, 2026

Effective Date: February 15, 2026

Version 3.0 - Final

On this page23 sections

IMPORTANT NOTICE: PLEASE READ THESE TERMS CAREFULLY

These Terms of Service ("Terms" or "Agreement") constitute a legally binding agreement between you and Restoria AI, Inc., a Delaware corporation ("Restoria," "Company," "we," "us," or "our"). By accessing or using the Restoria AI platform, website, applications, or any related services (collectively, the "Service" or "Platform"), 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.

IF YOU DO NOT AGREE TO THESE TERMS, DO NOT ACCESS OR USE THE SERVICE.

1. ELIGIBILITY AND ACCOUNT REGISTRATION

1.1 Eligibility Requirements

To access and use the Service, you must:

(a) Be at least 18 years of age or the age of legal majority in your jurisdiction, whichever is greater;

(b) Be a licensed public insurance adjuster, or an authorized employee or contractor operating under the direct supervision of a licensed public adjuster who maintains responsibility for all professional activities conducted through the Service;

(d) Be located in and authorized to conduct business in the United States;

(e) Not be prohibited from using the Service under applicable laws, including United States export control and sanctions laws.

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. By using the Service, you represent and warrant that you are accessing the Service in a professional or commercial capacity.

1.3 Account Registration

To use the Service, you must create an account by providing accurate, current, and complete information as requested during the registration process. You agree to:

(a) Provide truthful and accurate registration information;

(b) Maintain and promptly update your account information to keep it accurate and current;

(d) Accept responsibility for all activities that occur under your account, including activities of authorized employees and contractors;

(e) Notify us immediately of any unauthorized access to or use of your account.

1.4 Account Security

You are solely responsible for maintaining the confidentiality of your account credentials and for all activities conducted through your account. We recommend enabling multi-factor authentication when available. You agree not to share your account credentials with any third party. We reserve the right to suspend or terminate accounts that we reasonably believe have been compromised.

1.5 Supervised Access and Invited Users

If you are a licensed public adjuster who authorizes employees or contractors to access the Service on your behalf:

(a) You remain fully responsible for their compliance with these Terms;

(b) You must ensure they understand and agree to abide by these Terms;

(d) You must maintain appropriate oversight of their activities;

(e) Invited Users: If you access the Service through an invitation or provisioned seat from a paid account holder ("Inviting Party"), you acknowledge that these Terms apply to you in full. Your access is strictly contingent upon the Inviting Party maintaining an active subscription. We may terminate your access immediately if the Inviting Party's subscription ends, if the Inviting Party revokes your access, or if you violate any provision of these Terms.

1.6 One Account Per User

Each individual user must maintain only one account. Creating multiple accounts to circumvent limitations, abuse promotions, or for any other purpose is prohibited and may result in termination of all associated accounts.

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2. DESCRIPTION OF SERVICE

2.1 Platform Overview — Administrative and Drafting Support Only

Restoria AI is a software-as-a-service (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. The Service includes:

(a) AI-Powered Administrative Assistant: An artificial intelligence tool that can extract data from documents, organize information, answer general questions, and assist with drafting—but cannot and does not determine coverage, value claims, or negotiate settlements;

(b) Claims File Management: Tools for creating, organizing, tracking, and managing insurance claim files and documents;

(c) Document Processing: Automated extraction of structured data from uploaded insurance documents, including policies, estimates, correspondence, and photographs;

(d) File Storage: Secure cloud storage for claim-related documents and files;

(e) Drafting Assistance: AI-assisted creation of draft reports, summaries, and other claim-related documentation that require professional review before use.

2.2 AI-Powered Features

The Service utilizes artificial intelligence technology, including large language models provided by third-party providers (currently OpenAI's GPT models), to power certain features. You acknowledge and understand that when you interact with AI-powered features of the Service, you are communicating with an artificial intelligence system, not a human being.

2.3 Service Limitations — Not Professional Advice or Claim Determination

THE SERVICE IS A DATA EXTRACTION AND DRAFTING TOOL ONLY. The Service:

(a) Cannot and does not determine coverage, analyze policy terms for legal effect, or provide coverage opinions;

(b) Cannot and does not value claims, calculate damages, or determine settlement amounts;

(d) Does not provide legal, financial, accounting, or professional insurance adjusting advice;

(e) Does not substitute for the professional judgment, expertise, and licensing requirements of public insurance adjusters;

(f) May produce outputs that contain errors, inaccuracies, or omissions that require professional correction.

YOU RETAIN SOLE PROFESSIONAL RESPONSIBILITY FOR ALL CLAIM DETERMINATIONS, VALUATIONS, COVERAGE ANALYSES, AND NEGOTIATIONS. THE SERVICE ASSISTS WITH ADMINISTRATIVE TASKS ONLY.

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3. ARTIFICIAL INTELLIGENCE DISCLOSURE AND LIMITATIONS

3.1 AI Disclosure

IMPORTANT: This Service uses artificial intelligence technology. In compliance with applicable laws, including California Business and Professions Code Section 17940 et seq., we disclose that:

(a) The AI assistant feature is powered by artificial intelligence, specifically large language models;

(b) When you interact with the AI assistant, you are communicating with a non-human, automated system;

(d) The AI system may generate responses that appear human-like but are entirely computer-generated.

3.2 AI Output Accuracy and Reliability

YOU ACKNOWLEDGE AND AGREE THAT AI-GENERATED OUTPUTS:

(a) May not be accurate, complete, current, or reliable and should not be relied upon as the sole source of information for any decision;

(b) May contain errors, hallucinations, or fabricated information that appears plausible but is factually incorrect;

(d) Require human review and verification before being used, shared, or relied upon in any professional context;

(e) Do not constitute professional advice of any kind, including but not limited to legal, insurance, financial, or technical advice;

(f) May not reflect current laws, regulations, or industry standards and should be independently verified;

(g) Cannot and do not determine coverage, value claims, or constitute professional adjusting work product until reviewed and adopted by a licensed adjuster.

3.3 Human Oversight Requirement

All AI-generated content, analysis, reports, and recommendations produced by the Service require review, verification, and approval by a licensed professional before use. You agree that:

(a) You will not use AI outputs without independent professional review;

(b) You are solely responsible for verifying the accuracy of all AI outputs;

(d) You will not represent AI outputs as human-generated work product without disclosure;

(e) Any errors in AI outputs that you use are your responsibility once you have had the opportunity to review them;

(f) You retain sole professional responsibility for all work product submitted to carriers, clients, or regulators.

3.4 AI Training and Improvement

We may use anonymized, aggregated, and de-identified data derived from use of the Service to improve our AI models, features, and services. We will not use your confidential claim data or personally identifiable information of your clients for AI training purposes without your explicit consent. For more information, please see our Privacy Policy.

3.5 Third-Party AI Providers

The AI features of the Service are powered by third-party artificial intelligence providers, currently including OpenAI, L.L.C. Your use of AI features is also subject to the applicable usage policies of these providers. We are not responsible for the actions, outputs, or availability of third-party AI services.

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4. PROFESSIONAL RESPONSIBILITY AND LICENSING

4.1 Licensing Requirements

You acknowledge that public insurance adjusting is a licensed profession regulated by state insurance departments. You represent and warrant that:

(a) You hold all licenses, permits, and authorizations required to conduct public adjusting activities in the jurisdictions where you operate, OR you are operating under the direct supervision of a person who holds such licenses;

(b) All applicable licenses are current, valid, and in good standing;

(d) You will promptly notify us if your licensing status changes materially.

4.2 Professional Responsibility

You—not Restoria AI—are solely responsible for:

(a) All professional decisions made in connection with insurance claims you handle;

(b) All determinations of coverage, claim value, and settlement recommendations;

(d) Compliance with all applicable laws, regulations, and professional standards governing public adjusters;

(e) The accuracy of all claim submissions, reports, and communications with carriers, clients, and regulators;

(f) Maintaining appropriate professional liability (errors and omissions) insurance coverage;

(g) Supervising any unlicensed personnel who access the Service on your behalf;

(h) Ensuring that your use of the Service complies with the terms of your adjuster contracts and carrier requirements;

(i) Reviewing and approving all AI-generated outputs before professional use.

4.3 No Unauthorized Practice

The Service is a tool to assist licensed professionals and does not independently engage in the practice of public adjusting, law, or any other licensed profession. The Service cannot and does not:

(a) Determine insurance coverage or policy interpretation;

(b) Value claims or calculate damages for submission;

(d) Make binding representations on your behalf.

You agree not to use the Service in any manner that would constitute the unauthorized practice of public adjusting or any other licensed profession.

4.4 Regulatory Compliance

You are responsible for ensuring that your use of the Service, including your use of AI-assisted features, complies with:

(a) State insurance department regulations and guidance regarding technology use;

(b) The NAIC Model Bulletin on the Use of Artificial Intelligence Systems by Insurers and any state-specific implementations;

(d) Professional conduct rules and ethical obligations applicable to public adjusters.

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5. SUBSCRIPTION PLANS AND PAYMENT

5.1 Subscription Plans

Access to the Service requires a subscription priced at $99 per active user per month, plus applicable taxes and any usage overages you enable. Each active paid user adds 40,000 pooled credits to the firm's monthly allowance. We may change features or pricing as described in Section 5.3(c), but the complete terms shown at checkout govern your purchase.

5.2 Free Trial

Every new eligible firm subscription begins with a seven-day free trial. A valid payment method is required to start the trial. Unless you cancel before the trial ends, the subscription automatically converts to the $99-per-active-user monthly subscription and the payment method is charged for the active seats then on the firm. You may also choose to end the trial and begin paid service immediately; the application shows the current seat count and subtotal for confirmation before that charge is requested.

5.3 Billing and Payment

(a) Payment Authorization: By subscribing to the Service, you authorize us to charge your designated payment method for all applicable fees.

(b) Recurring Billing: Subscriptions are billed monthly until cancelled. Your subscription automatically renews each month at the then-current per-active-user rate, based on active paid seats and subject to any applicable proration handled by our Merchant of Record.

(c) Price Changes: We may change subscription prices upon 30 days' notice. Price changes will take effect at the start of your next billing period following the notice.

(d) Taxes: All fees are exclusive of applicable taxes, levies, or duties. You are responsible for paying all such taxes associated with your subscription.

(e) Merchant of Record: Our order process, tax collection, and subscription billing are conducted by our designated Merchant of Record, Polar Software Inc. ("Polar"). By subscribing to the Service, you acknowledge that Polar handles all payment transactions, you authorize Polar to charge your designated payment method, and your purchase is subject to Polar's applicable checkout Terms of Service and Privacy Policy.

5.4 Automatic Renewal Disclosure

IMPORTANT — AUTOMATIC RENEWAL: Your subscription automatically renews monthly and you will be charged the then-current $99-per-active-user monthly rate, plus taxes and any enabled usage overages, unless you cancel before the renewal date. You may cancel at any time through your account settings or by using the cancellation process described in Section 16.2.

5.5 Usage Limits

Each active paid user adds 40,000 credits to the firm's pooled monthly allowance. When that allowance is exhausted, AI runs pause until the next cycle unless an authorized firm owner enables usage overages. Enabled overages are charged at $12.50 per additional 1,000 credits. Disabling overages prevents new overage usage but does not reverse charges already incurred. The application displays current usage, the overage setting, and incurred overages in billing settings.

5.6 Refund Policy

(a) Monthly Subscriptions: Monthly subscription and incurred overage charges are non-refundable except where required by law. You may cancel at any time, and your access will continue until the end of your current paid period.

(b) Termination by Restoria AI: If Restoria AI terminates this Agreement for convenience (without cause), we will refund a prorated portion of any prepaid fees covering the remainder of your Subscription Term.

(c) Service Issues: If you experience significant service issues that we are unable to resolve, you may contact us to request a discretionary refund or credit.

5.7 Failed Payments

If payment fails, we will attempt to process the charge again. If payment continues to fail, we may suspend your access to the Service until payment is successfully processed. We are not liable for any loss of data or service interruption resulting from failed payments.

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6. ACCEPTABLE USE POLICY

6.1 Permitted Use

You may use the Service only for lawful purposes consistent with these Terms. Permitted uses include:

(a) Managing insurance claims on behalf of your clients as a licensed public adjuster;

(b) Processing and analyzing insurance-related documents;

(d) Storing claim files and documents within your allocated storage limits;

(e) Generating draft reports and summaries for professional review and use.

6.2 Prohibited Conduct

You agree NOT to:

(a) Violate Laws: Use the Service in any way that violates applicable federal, state, local, or international laws or regulations;

(b) Unauthorized Access: Attempt to gain unauthorized access to the Service, other user accounts, or computer systems or networks connected to the Service;

(d) Reverse Engineer: Reverse engineer, decompile, disassemble, or otherwise attempt to discover the source code or underlying algorithms of the Service;

(e) Automated Access: Use bots, scrapers, or other automated means to access the Service except through our approved APIs;

(f) Excessive Load: Impose an unreasonable or disproportionately large load on our infrastructure;

(g) Interfere with Service: Interfere with or disrupt the integrity or performance of the Service;

(h) Fraudulent Activity: Use the Service to commit fraud, submit false claims, or engage in any deceptive practices;

(i) Harassment: Use the Service to harass, abuse, or harm another person or entity;

(j) Harmful Content: Upload or transmit viruses, malware, or other harmful code;

(k) Spam: Use the Service to send unsolicited communications or spam;

(l) Impersonation: Impersonate any person or entity or misrepresent your affiliation with any person or entity;

(m) Resale: Resell, sublicense, or provide access to the Service to third parties without our written authorization;

(n) Competing Products: Use the Service to develop a competing product or service;

(o) AI Abuse: Use the AI features to generate content that is illegal, harmful, deceptive, or violates the usage policies of our AI providers.

6.3 AI-Specific Prohibited Uses

You specifically agree NOT to use AI features of the Service to:

(a) Generate false, misleading, or fraudulent insurance claims or documentation;

(b) Create content intended to deceive insurance carriers, policyholders, or regulators;

(d) Generate content that is defamatory, obscene, or otherwise objectionable;

(e) Attempt to "jailbreak" or bypass safety measures built into the AI system;

(f) Generate content that promotes discrimination based on protected characteristics;

(g) Create content intended to manipulate or deceive individuals;

(h) Process data from individuals who have not consented to AI processing where such consent is required.

6.4 Content Standards

All content you upload, create, or transmit through the Service must:

(a) Be accurate and not misleading;

(b) Comply with all applicable laws and regulations;

(d) Not contain any material that is defamatory, obscene, or otherwise unlawful;

(e) Not contain malicious code or harmful components.

6.5 Enforcement

We reserve the right to investigate and take appropriate action against anyone who, in our sole discretion, violates this Acceptable Use Policy, including:

(a) Removing or disabling access to content;

(b) Suspending or terminating accounts;

(d) Pursuing legal remedies.

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7. USER CONTENT AND DATA

7.1 Your Content

"User Content" means any data, documents, files, text, images, or other materials that you upload, submit, store, or transmit through the Service. You retain all ownership rights in your User Content.

7.2 License to User Content

By uploading User Content to the Service, you grant Restoria AI a limited, non-exclusive, worldwide, royalty-free license to:

(a) Store, process, and display your User Content as necessary to provide the Service;

(b) Create derivative works (such as document extractions and summaries) solely for the purpose of providing the Service to you—this license does not transfer ownership of such outputs to Restoria AI and does not supersede your ownership rights in outputs as described in Section 8.3;

This license is limited to what is necessary to provide and improve the Service and does not grant us the right to sell your User Content or use it for purposes unrelated to the Service.

7.3 Responsibility for User Content

You are solely responsible for:

(a) The accuracy, quality, and legality of your User Content;

(b) Ensuring you have all necessary rights and permissions to upload and use User Content;

(d) Complying with applicable privacy laws regarding personal information in User Content;

(e) Maintaining your own backups of User Content.

7.4 Sensitive Information

You acknowledge that the Service may process sensitive information related to insurance claims, including:

(a) Personal information of insured parties and claimants;

(b) Property addresses and descriptions;

(d) Photographs of damaged property.

You represent that you have obtained all necessary consents and authorizations to process such information through the Service and that your use complies with applicable privacy laws.

7.5 Data Retention and Statutory Compliance

(a) During Service: We will retain your User Content for as long as your account is active or as needed to provide the Service.

(b) Upon Termination: Upon account termination, we will retain your data for 30 days to allow you to export it.

(c) Compliance Hold Option: If you require extended retention to meet statutory record-keeping obligations (such as state requirements that public adjusters retain claim records for 5-7 years), you may request a "Compliance Hold" that converts your account to read-only archive status at a reduced rate. Contact [email protected] for details.

(d) YOUR RESPONSIBILITY: You are solely responsible for exporting all User Content necessary to meet your statutory record retention obligations (including but not limited to California Insurance Code § 15028.5 and similar state requirements) prior to the expiration of the 30-day export period. Restoria AI is not responsible for your failure to maintain required records.

(e) Legal Retention: Certain data may be retained longer as required by law or for legitimate business purposes (e.g., billing records, legal disputes).

7.6 Data Export

You may export your User Content at any time through the Service's export features. Upon request, we will provide reasonable assistance in exporting your data in a commonly used format.

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8. INTELLECTUAL PROPERTY RIGHTS

8.1 Restoria AI Ownership

The Service and all associated intellectual property rights are and shall remain the exclusive property of Restoria AI and its licensors. This includes:

(a) The Service's software, code, and architecture;

(b) User interface designs and visual elements;

(d) Documentation and training materials;

(e) Proprietary algorithms and processing methods (excluding third-party AI models);

(f) Any improvements or modifications to the Service.

8.2 Limited License to Use Service

Subject to your compliance with these Terms, we grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Service for your internal business purposes during your subscription term. This license does not include any right to:

(a) Sublicense, sell, or distribute the Service;

(b) Modify, adapt, or create derivative works of the Service;

(d) Remove any proprietary notices from the Service;

(e) Use the Service for any purpose other than as expressly permitted.

8.3 Output Ownership

Subject to our intellectual property rights in the Service and any third-party rights:

(a) You own the outputs generated by the AI assistant based on your specific inputs and User Content, including document extractions, summaries, and drafted content;

(b) The license granted to Restoria AI in Section 7.2 is solely for providing the Service and does not transfer ownership of outputs to Restoria AI;

(c) AI outputs may contain or be derived from the AI provider's models and training data, and such underlying intellectual property remains with the respective owners;

(d) Your ownership is subject to your compliance with these Terms and applicable third-party terms (including OpenAI's usage policies);

(e) You are responsible for ensuring your use of AI outputs does not infringe third-party rights.

8.4 Feedback

If you provide suggestions, ideas, or feedback about the Service ("Feedback"), you grant us a perpetual, irrevocable, worldwide, royalty-free license to use, modify, and incorporate such Feedback into the Service without any obligation to you.

8.5 Third-Party Components

The Service may include third-party software components subject to separate license terms. Such third-party licenses are incorporated by reference and available upon request.

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9. THIRD-PARTY SERVICES AND INTEGRATIONS

9.1 Third-Party Services

The Service integrates with or relies upon various third-party services, including:

(a) AI Providers: OpenAI, L.L.C. (GPT models);

(b) Cloud Infrastructure: Google Cloud Platform;

(d) Payment Processing: Polar Software Inc.;

(e) Electronic Signatures: DocuSeal;

(f) Other service providers as disclosed on our website.

9.2 Third-Party Terms

Your use of the Service may be subject to additional terms and policies of third-party providers, including:

(a) OpenAI's Usage Policies;

(b) Google Cloud Platform Terms of Service;

(d) DocuSeal's Terms of Service.

You agree to comply with all applicable third-party terms. In the event of a conflict between these Terms and third-party terms regarding your use of those third-party services, the third-party terms shall control with respect to that third-party service.

9.3 Third-Party Links

The Service may contain links to third-party websites or services. We are not responsible for the content, privacy practices, or availability of such third-party services. Your interactions with third-party services are solely between you and the third party.

9.4 No Endorsement

Inclusion of third-party services or links does not imply endorsement by Restoria AI. We make no warranties regarding third-party services and are not liable for any damage or loss arising from your use of third-party services.

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10. PRIVACY AND DATA PROTECTION

10.1 Privacy Policy

Our collection, use, and protection of personal information is governed by our Privacy Policy, which is incorporated into these Terms by reference. By using the Service, you consent to the practices described in our Privacy Policy.

10.2 Data Processing

You acknowledge that:

(a) We process personal information as necessary to provide the Service;

(b) Personal information may be transferred to and processed in the United States;

(d) You are responsible for providing required notices and obtaining necessary consents from individuals whose data you submit through the Service.

10.3 Data Security and GLBA Compliance

We implement commercially reasonable administrative, technical, and physical security measures to protect User Content and personal information, including safeguards designed to support applicable obligations under 16 CFR Part 314 (the FTC Safeguards Rule) regarding non-public personal information. These measures include HTTPS/TLS protection for customer-facing connections, provider-managed encryption at rest, role-based access controls, and periodic security reviews. However, no method of transmission over the Internet or electronic storage is 100% secure. You acknowledge that you transmit data at your own risk.

10.4 California Privacy Rights

If you are a California resident, you have additional rights under the California Consumer Privacy Act (CCPA) and California Privacy Rights Act (CPRA) as described in our Privacy Policy.

10.5 Data Protection Obligations

If you are subject to data protection laws (such as CCPA/CPRA) with respect to personal information you process through the Service, you agree to:

(a) Comply with all applicable data protection requirements;

(b) Provide required notices to data subjects;

(d) Notify us of any data subject requests that require our assistance.

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11. CONFIDENTIALITY

11.1 Confidential Information

"Confidential Information" means any non-public information disclosed by one party to the other that is designated as confidential or that reasonably should be understood to be confidential given the nature of the information. Confidential Information includes:

(a) Your User Content and claim data;

(b) Our proprietary technology, algorithms, and business information;

(d) Security measures and protocols.

11.2 Obligations

Each party agrees to:

(a) Protect Confidential Information using at least the same degree of care it uses to protect its own confidential information, but no less than reasonable care;

(b) Use Confidential Information only for purposes of performing under these Terms;

(c) Not disclose Confidential Information to third parties except as necessary to provide or receive the Service, with appropriate confidentiality protections;

(d) Promptly notify the other party of any unauthorized disclosure.

11.3 Exceptions

Confidentiality obligations do not apply to information that:

(a) Is or becomes publicly available through no fault of the receiving party;

(b) Was rightfully in the receiving party's possession before disclosure;

(d) Is independently developed without use of Confidential Information;

(e) Must be disclosed by law, provided the disclosing party gives reasonable notice (where permitted) to allow the other party to seek protective measures.

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12. SERVICE AVAILABILITY AND MODIFICATIONS

12.1 Service Availability

We strive to maintain high availability of the Service but do not guarantee uninterrupted access. The Service may be temporarily unavailable due to:

(a) Scheduled maintenance (we will provide reasonable advance notice when possible);

(b) Emergency maintenance or security updates;

(d) Third-party service outages.

12.2 Service Level

For subscribers on eligible plans, service level commitments are described in the applicable Service Level Agreement (SLA). The SLA, if applicable, is incorporated into these Terms by reference.

12.3 Modifications to Service

We reserve the right to modify, update, or discontinue any aspect of the Service at any time. For material changes that negatively affect your use:

(a) We will provide at least 30 days' advance notice;

(b) You may terminate your subscription if you do not accept the changes;

12.4 Beta Features

We may offer beta or experimental features that are provided "as is" without any warranty. Beta features may be modified or discontinued at any time without notice. Your use of beta features is at your own risk.

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13. DISCLAIMERS OF WARRANTIES

13.1 "As Is" and "As Available"

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE. TO THE MAXIMUM EXTENT PERMITTED BY LAW, RESTORIA AI DISCLAIMS ALL WARRANTIES, INCLUDING BUT NOT LIMITED TO:

(a) IMPLIED WARRANTIES of merchantability, fitness for a particular purpose, title, and non-infringement;

(b) WARRANTIES REGARDING ACCURACY of AI outputs, document extractions, or any other Service outputs;

(d) WARRANTIES THAT THE SERVICE will meet your requirements or expectations;

(e) WARRANTIES THAT THE SERVICE will be uninterrupted, secure, or error-free;

(f) WARRANTIES REGARDING RESULTS obtained from using the Service.

13.2 AI-Specific Disclaimers

WITHOUT LIMITING THE FOREGOING, WE SPECIFICALLY DISCLAIM ANY WARRANTY THAT:

(a) AI-generated outputs will be accurate, complete, current, or reliable;

(b) AI features will be available continuously or without interruption;

(d) AI features will not produce errors, hallucinations, or incorrect information;

(e) AI outputs will comply with any particular laws, regulations, or professional standards.

13.3 No Professional Advice

THE SERVICE DOES NOT PROVIDE AND IS NOT A SUBSTITUTE FOR PROFESSIONAL ADVICE. The Service does not provide legal advice, insurance advice, financial advice, or any other professional advice. The Service cannot and does not determine coverage, value claims, or negotiate settlements. You should consult appropriate professionals and exercise your own professional judgment for decisions specific to your situation. Restoria AI does not guarantee any specific outcome, settlement amount, or timeline for any insurance claim processed using the Service. Results will vary based on carrier practices, policy language, and your independent professional execution.

13.4 Third-Party Disclaimer

We do not warrant or make any representations regarding third-party services, including AI providers, cloud infrastructure, or any other third-party components of the Service.

13.5 Jurisdictional Variations

Some jurisdictions do not allow the exclusion of certain warranties. In such jurisdictions, the above exclusions apply to the maximum extent permitted by law.

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14. LIMITATION OF LIABILITY

14.1 Exclusion of Certain Damages

TO THE MAXIMUM EXTENT PERMITTED BY LAW, IN NO EVENT SHALL RESTORIA AI, ITS AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, OR LICENSORS BE LIABLE FOR ANY:

(a) INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES;

(b) LOSS OF PROFITS, REVENUE, DATA, GOODWILL, or other intangible losses;

(d) DAMAGES RESULTING FROM any interruption or cessation of the Service;

(e) DAMAGES RESULTING FROM reliance on AI outputs or any content obtained through the Service;

(f) DAMAGES RESULTING FROM third-party conduct or third-party services;

REGARDLESS OF THE THEORY OF LIABILITY (CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY, OR OTHERWISE) AND EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

14.2 Liability Cap

TO THE MAXIMUM EXTENT PERMITTED BY LAW, OUR TOTAL CUMULATIVE LIABILITY TO YOU FOR ALL CLAIMS ARISING OUT OF OR RELATED TO THESE TERMS OR THE SERVICE SHALL NOT EXCEED THE AMOUNTS YOU PAID TO RESTORIA AI IN THE TWELVE (12) MONTHS IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO THE CLAIM.

14.3 Basis of the Bargain

You acknowledge that the disclaimers and limitations of liability in Sections 13 and 14 reflect a reasonable and fair allocation of risk between you and Restoria AI, and that these limitations are an essential basis of the bargain between the parties. Restoria AI would not be able to provide the Service on an economically reasonable basis without these limitations.

14.4 Essential Purpose

The limitations of liability shall apply even if any limited remedy fails of its essential purpose.

14.5 Jurisdictional Variations

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

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15. INDEMNIFICATION

15.1 Your Indemnification Obligations

You agree to indemnify, defend, and hold harmless Restoria AI and its affiliates, officers, directors, employees, agents, and licensors from and against any and all claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys' fees) arising out of or related to:

(a) Your use of the Service;

(b) Your User Content;

(d) Your violation of any applicable law or regulation;

(e) Your violation of any third-party rights, including intellectual property rights or privacy rights;

(f) Your professional conduct as a public adjuster, including claims by your clients, insurers, or regulators;

(g) Claims by your clients, insurers, or other third parties related to your use of the Service;

(h) Your reliance on AI outputs without appropriate professional review;

(i) Any claim that your use of the Service constitutes the unauthorized practice of public adjusting.

15.2 Indemnification Procedure

We will promptly notify you of any claim subject to indemnification and provide reasonable cooperation in the defense. You may not settle any claim without our prior written consent if the settlement would impose any obligation on us or admit liability on our behalf.

15.3 Our Right to Participate

We reserve the right, at our own expense, to assume the exclusive defense and control of any matter subject to indemnification by you, in which case you agree to cooperate with our defense.

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16. TERM AND TERMINATION

16.1 Term

These Terms are effective when you first access the Service and continue until terminated by either party as provided herein.

16.2 Termination by You — Easy Cancellation

You may terminate your account and subscription at any time by:

(a) Using the "Cancel Subscription" button in your account settings (available 24/7); or

(b) Contacting us at the address provided in Section 23.

Termination will be effective at the end of your current billing period. You remain responsible for all charges incurred before termination. We will not require you to contact customer support by phone to cancel an account that was created online.

16.3 Termination by Us

(a) For Cause: We may terminate or suspend your access to the Service immediately, without prior notice or liability, if:

You breach any material provision of these Terms;
You engage in fraudulent or illegal activity;
We are required to do so by law or legal process;
Your payment method fails and you do not remedy the failure within 14 days.

(b) For Convenience: We may terminate your account for convenience upon 14 days' written notice. If we terminate for convenience, we will refund a prorated portion of any prepaid fees covering the remainder of your Subscription Term as provided in Section 5.6(c).

(c) Service Discontinuation: If we discontinue the Service entirely, we will provide at least 30 days' notice and refund any prepaid fees for the period after discontinuation.

16.4 Effect of Termination

Upon termination:

(a) Your license to use the Service immediately terminates;

(b) You must cease all use of the Service;

(d) After the 30-day export period, we may delete your User Content unless you have requested a Compliance Hold under Section 7.5(c);

(e) You remain liable for all fees incurred before termination;

(f) You are solely responsible for exporting all data necessary to meet your statutory record retention obligations before the export period expires. This export obligation applies even if your account is suspended or terminated due to failed payments (involuntary churn). RESTORIA AI ASSUMES ABSOLUTELY NO LIABILITY FOR ANY LOSS OF CLAIM RECORDS, REGULATORY FINES, OR PROFESSIONAL DISCIPLINE ARISING FROM THE AUTOMATED DELETION OF DATA DUE TO YOUR FAILURE TO MAINTAIN AN ACTIVE SUBSCRIPTION.

(g) Sections that by their nature should survive termination shall survive, including but not limited to Sections 3.2-3.3, 7, 8, 11, 13, 14, 15, 17, 18, and 22.

16.5 Data Export

Following termination, you may request export of your User Content for a period of 30 days. After this period, we may delete your data without further obligation unless a Compliance Hold is in effect.

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17. DISPUTE RESOLUTION AND ARBITRATION

17.1 Informal Resolution

Before initiating any formal dispute resolution proceeding, you agree to first contact us and attempt to resolve the dispute informally. Send a written description of your dispute to our contact address (Section 23) and allow 60 days for resolution.

17.2 Binding Arbitration

ANY DISPUTE, CLAIM, OR CONTROVERSY ARISING OUT OF OR RELATING TO THESE TERMS OR THE SERVICE, INCLUDING THE DETERMINATION OF THE SCOPE OR APPLICABILITY OF THIS AGREEMENT TO ARBITRATE, SHALL BE DETERMINED BY BINDING ARBITRATION administered by JAMS pursuant to its Comprehensive Arbitration Rules and Procedures, except as modified herein.

17.3 Arbitration Procedures

(a) Location: Arbitration shall take place in Delaware, unless the parties agree otherwise or the arbitrator determines another location is more appropriate.

(b) Arbitrator: The arbitration shall be conducted by a single arbitrator with experience in commercial software and technology disputes.

(c) Discovery: Discovery shall be limited to the exchange of relevant documents and depositions of key witnesses, as determined by the arbitrator.

(d) Award: The arbitrator may award any relief that a court could award, except as limited by these Terms. The arbitrator's award shall be final and binding, and judgment may be entered in any court of competent jurisdiction.

(e) Confidentiality: The arbitration proceeding and any award shall be confidential, except as necessary to enforce the award.

17.4 Class Action Waiver

YOU AND RESTORIA AI AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR OR ITS INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, COLLECTIVE, OR REPRESENTATIVE PROCEEDING. Unless both parties agree otherwise, the arbitrator may not consolidate more than one person's claims and may not preside over any form of representative or class proceeding.

17.5 Mass Arbitration Procedures and Tolling

If 25 or more similar arbitration demands are filed against Restoria AI within a 90-day period, the parties agree to implement the following mass arbitration procedures:

(a) The parties shall work with JAMS to select 10 bellwether cases for initial arbitration;

(b) Following resolution of bellwether cases, the parties shall engage in mediation regarding remaining claims;

(d) TOLLING AGREEMENT: For any claims subject to these mass arbitration procedures, the applicable statute of limitations shall be tolled (paused) from the time the arbitration demand is filed until the claimant's specific case is selected for individual arbitration, mediation is completed, or the parties agree to proceed in court. This tolling provision ensures that no claimant's rights are prejudiced by the batching process.

17.6 Exceptions to Arbitration

Notwithstanding the foregoing, either party may:

(a) Seek injunctive or other equitable relief in any court of competent jurisdiction to prevent the actual or threatened infringement of intellectual property rights, without the necessity of proving actual damages or posting a bond or other security;

(b) Bring an individual action in small claims court if the claim qualifies.

17.7 Opt-Out

You may opt out of this arbitration provision by sending written notice to our contact address within 30 days of first accepting these Terms. The notice must include your name, address, and a clear statement that you wish to opt out of arbitration. If you opt out, you and Restoria AI may litigate disputes in court as provided in Section 18.

17.8 Severability of Arbitration Provision

If any portion of this Section 17 is found to be unenforceable, the remainder shall continue in effect. If the class action waiver is found to be unenforceable, then the entirety of this arbitration provision shall be null and void, and any dispute shall be resolved in court.

17.9 Limitation on Time to File Claims

ANY CAUSE OF ACTION OR CLAIM YOU MAY HAVE ARISING OUT OF OR RELATING TO THESE TERMS OR THE SERVICE MUST BE COMMENCED WITHIN ONE (1) YEAR AFTER THE CAUSE OF ACTION ACCRUES. OTHERWISE, SUCH CAUSE OF ACTION OR CLAIM IS PERMANENTLY BARRED.

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18. GOVERNING LAW AND JURISDICTION

18.1 Governing Law

These Terms and any dispute arising out of or related to these Terms or the Service shall be governed by and construed in accordance with the laws of the State of Delaware, without regard to its conflict of laws principles.

18.2 Jurisdiction

For any disputes not subject to arbitration (including if you opt out under Section 17.7), you and Restoria AI consent to the exclusive jurisdiction and venue of the state and federal courts located in Delaware. You waive any objection to jurisdiction or venue in such courts.

18.3 Waiver of Jury Trial

TO THE EXTENT PERMITTED BY LAW, YOU AND RESTORIA AI WAIVE ANY RIGHT TO A JURY TRIAL IN ANY PROCEEDING ARISING OUT OF OR RELATED TO THESE TERMS OR THE SERVICE.

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19. DIGITAL MILLENNIUM COPYRIGHT ACT (DMCA)

19.1 DMCA Notice

If you believe that content available through the Service infringes your copyright, please send a written notice to our designated DMCA agent containing:

(a) A physical or electronic signature of the copyright owner or authorized agent;

(b) Identification of the copyrighted work claimed to be infringed;

(d) Your contact information (address, telephone number, email);

(e) A statement that you have a good faith belief that the use is not authorized;

(f) A statement, under penalty of perjury, that the information is accurate and that you are authorized to act on behalf of the copyright owner.

19.2 DMCA Agent

Our designated DMCA agent can be reached at:

DMCA Agent Restoria AI, Inc. 1207 Delaware Ave #1021 Wilmington, DE 19806 Phone: 646-234-2277 Email: [email protected]

Note: This agent information is registered with the U.S. Copyright Office. Please do not send other inquiries to this contact.

19.3 Counter-Notice

If you believe content was wrongly removed, you may submit a counter-notice containing:

(a) Your physical or electronic signature;

(b) Identification of the removed material and its prior location;

(d) Your name, address, and telephone number;

(e) A statement consenting to jurisdiction in the federal district court for the District of Delaware (or the federal district court for your address if outside the US);

(f) A statement that you will accept service of process from the complainant.

19.4 Repeat Infringers

We will terminate the accounts of repeat copyright infringers in appropriate circumstances.

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20. EXPORT COMPLIANCE

20.1 Export Laws

The Service may be subject to U.S. export control laws and regulations, including the Export Administration Regulations (EAR) and regulations administered by the Bureau of Industry and Security (BIS). You agree not to export, re-export, or transfer the Service or any technical data obtained through the Service in violation of applicable export laws.

20.2 Prohibited Exports

You specifically agree NOT to export, re-export, or transfer:

(a) The Service or access to the Service to any country subject to U.S. economic sanctions;

(b) AI model weights, proprietary algorithms, or training data to any embargoed nation or restricted party;

20.3 Representations

You represent and warrant that:

(a) You are not located in, or a resident of, any country subject to U.S. economic sanctions;

(b) You are not on any U.S. government restricted party list;

(d) You will not provide access to the Service to any person or entity subject to U.S. sanctions.

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21. MODIFICATIONS TO TERMS

21.1 Changes to Terms

We reserve the right to modify these Terms at any time. When we make material changes:

(a) We will update the "Last Updated" date at the top of these Terms;

(b) We will provide notice through the Service interface, email, or other reasonable means;

21.2 Acceptance of Changes

Your continued use of the Service after changes take effect constitutes acceptance of the modified Terms. If you do not agree to the changes, you must stop using the Service and terminate your account before the changes take effect.

21.3 Disputes Under Prior Terms

Any dispute arising before changes take effect will be governed by the Terms in effect at the time the dispute arose.

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22. GENERAL PROVISIONS

22.1 Entire Agreement

These Terms, together with our Privacy Policy and any other policies referenced herein, constitute the entire agreement between you and Restoria AI regarding the Service and supersede all prior agreements and understandings.

22.2 Severability

If any provision of these Terms is found to be unenforceable, that provision will be modified to the minimum extent necessary to make it enforceable, or if modification is not possible, severed from these Terms. The remaining provisions will continue in full force and effect.

22.3 Waiver

Our failure to enforce any right or provision of these Terms shall not constitute a waiver of that right or provision. Any waiver must be in writing and signed by an authorized representative of Restoria AI.

22.4 Assignment

You may not assign or transfer these Terms or your rights hereunder without our prior written consent. We may assign these Terms without restriction. Any attempted assignment in violation of this section is void.

22.5 No Third-Party Beneficiaries

These Terms do not create any third-party beneficiary rights, except that our licensors and service providers are intended third-party beneficiaries of the limitations of liability and disclaimers in Sections 13 and 14.

22.6 Force Majeure

Neither party shall be liable for any failure or delay in performing obligations due to causes beyond its reasonable control, including but not limited to acts of God, natural disasters, war, terrorism, riots, embargoes, acts of civil or military authorities, fire, floods, epidemics, strikes, or failures of third-party services.

22.7 Independent Contractors

The parties are independent contractors. Nothing in these Terms creates a partnership, joint venture, employment, or agency relationship between the parties.

22.8 Notices

Notices to Restoria AI must be sent to the address in Section 23. Notices to you may be sent to the email address associated with your account or through the Service interface. Notices are effective upon receipt.

22.9 Electronic Signatures

By using the Service, you consent to transact business electronically and to receive notices and disclosures electronically, in accordance with the Electronic Signatures in Global and National Commerce Act (E-SIGN Act) and applicable state law.

22.10 Construction

These Terms shall not be construed against the drafter. Headings are for convenience only and do not affect interpretation. The words "include," "includes," and "including" are not limiting.

22.11 Language

These Terms are written in English. Any translation is provided for convenience only. In case of conflict, the English version controls.

22.12 Electronic Signatures and UETA/ESIGN Compliance

The Service includes features that facilitate the electronic execution of documents via our sub-processor, DocuSeal. By using these features, you consent to do business electronically and agree that electronic signatures executed through the Service are intended to authenticate the documents and have the same legal validity and enforceability as manual signatures under the federal Electronic Signatures in Global and National Commerce Act (ESIGN) and the Uniform Electronic Transactions Act (UETA). You are solely responsible for ensuring that the specific documents you route for e-signature are legally permitted to be executed electronically in your jurisdiction.

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23. CONTACT INFORMATION

If you have questions about these Terms or the Service, please contact us:

Restoria AI, Inc.

Mailing Address: 1207 Delaware Ave #1021 Wilmington, DE 19806

Email: [email protected]

Support: [email protected]

Phone: 646-234-2277

For DMCA notices, contact: [email protected] (Phone: 646-234-2277)

For privacy inquiries, contact: [email protected]

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ACKNOWLEDGMENT

BY USING THE SERVICE, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTOOD, AND AGREE TO BE BOUND BY THESE TERMS OF SERVICE. IF YOU ARE USING THE SERVICE ON BEHALF OF AN ORGANIZATION, YOU REPRESENT AND WARRANT THAT YOU HAVE THE AUTHORITY TO BIND THAT ORGANIZATION TO THESE TERMS.

Restoria AI, Inc.

A Delaware Corporation