Legal

Terms of service

Last updated 12 October 2026

These Terms are a contract between you and Richards Claims Suite LLC. By creating an account or using Claims Suite you agree to them. If you do not agree, do not use the service.

1. What the service is

Claims Suite is documentation and estimating software for contractors. It is not a public insurance adjuster, an insurance producer, an insurer, or a law firm, and it provides no insurance, coverage or legal advice. See the Legal disclaimer, which forms part of these Terms.

2. Who may use it

You must be at least 18, be using Claims Suite for business purposes, and have authority to bind the business you name. You are responsible for everyone who uses your account and for keeping credentials secure.

3. Your content, and who owns what

You keep ownership of everything you upload and everything Claims Suite drafts for you. You grant us the licence we need to host, process, display and learn from it in order to run and improve the service for you, as described in this section. We keep ownership of the software itself.

Copies of your work mail. When you connect a mailbox, you authorise us to keep a private, encrypted copy of the job-related emails we read — both received and sent — together with their attachments and the text we extract from them (your Job Records). We keep Job Records so the service can file and track your jobs and learn from your history without reading your mailbox again, including after you disconnect it. Personal mail and newsletters are not kept beyond a one-line record that they were checked and skipped. Job Records are your content; you can ask us to export or delete them as described in the Privacy Policy.

Learning for your account. We use your content — including your Job Records, the estimates, supplements and letters you send, how carriers respond to them, and how you write — to improve the service for your account: your drafts, strategies, wording and estimates.

Shared, de-identified patterns. We may also derive de-identified, aggregated information from your content — for example, how often a particular kind of argument for a particular line item was approved by a particular insurance carrier — (Shared Patterns) and use it to improve the service for all customers. Shared Patterns never contain names, addresses, email addresses, phone numbers, claim or policy numbers, photographs, document text, prices, or anything else that identifies you, your business, a homeowner or a property, and a pattern is used only once it has been observed across at least three unrelated businesses. We will keep Shared Patterns in de-identified form, will not attempt to re-identify them, and will require the same of anyone who processes them for us. Information we receive from a Google account (such as Gmail) is never used to create Shared Patterns. You can stop contributing at any time in Settings → Shared learning; patterns already aggregated cannot be withdrawn, but they contain nothing that identifies you. We own Shared Patterns. We do not train AI models on your content.

You confirm you have the right to upload what you upload — including photographs of, and personal information about, homeowners and their properties — and that you have any consent your customers' information requires.

4. Acceptable use

You must not use Claims Suite to:

• act as a public insurance adjuster, or hold yourself out as one, without the licence your state requires;
• negotiate, adjust or settle an insurance claim on behalf of a policyholder where your state prohibits you from doing so;
• pay, waive, absorb, rebate or offset a policyholder's deductible, which is unlawful in many states and a criminal offence in some;
• submit any document containing a statement you know to be false, or any measurement, quantity or price you have not verified;
• upload malware, attempt to breach the service, scrape it, or resell access without our written agreement.

We may suspend or terminate an account for a breach of this section, with notice where it is practical to give it.

5. AI output

Claims Suite uses AI to produce drafts. AI output can be inaccurate, incomplete or fabricated, including code citations, measurements and prices. You must review, verify and correct every document before you use or send it. You are the author and sender of every document. See How we use AI.

6. Payment

$449.00 per month plus applicable sales tax, renewing automatically until cancelled. Full terms, including how to cancel, are on the Billing, refunds & cancellation page, which forms part of these Terms.

7. No warranty

To the fullest extent the law allows, Claims Suite is provided “as is” without warranties of any kind, express or implied, including merchantability, fitness for a particular purpose and non-infringement. We do not warrant that any estimate, supplement or letter will be accepted, approved or paid by any insurance carrier, or that the service will be uninterrupted or error-free.

8. Limitation of liability

To the fullest extent the law allows, neither party is liable for indirect, incidental, special, consequential, exemplary or punitive damages, or for lost profits, lost revenue, lost business or lost data. Our total liability arising out of or relating to the service is limited to the amount you paid us in the twelve months before the event giving rise to the claim.

Some jurisdictions do not allow certain exclusions, so parts of sections 7 and 8 may not apply to you.

9. Indemnity

You will defend, indemnify and hold us harmless from claims, losses and costs (including reasonable legal fees) arising from your use of the service, your content, your documents, your dealings with homeowners and carriers, and any breach of section 4 — including any allegation that you engaged in unlicensed public adjusting or violated a contractor claims statute or deductible law.

10. Suspension and termination

You can cancel at any time from Account → Billing. We may suspend or terminate for non-payment, for a breach of section 4, or where we must to comply with the law. On termination your right to use the service ends; data handling follows the Privacy Policy.

11. Changes to these Terms

We may update these Terms. For material changes we will email account holders and post the new version here at least 30 days before it takes effect. Continuing to use the service after that date means you accept the change.

12. Governing law and disputes

These Terms are governed by the laws of Kansas, without regard to conflict of laws rules. [DISPUTE MECHANISM — arbitration clause with class-action waiver, or courts of a named county. This clause has real consequences and must be drafted by an attorney; an unenforceable arbitration clause is worse than none.]

13. Miscellaneous

These Terms, together with the Privacy Policy, Billing page, Legal disclaimer and AI disclosure, are the entire agreement between us. If a provision is unenforceable the rest stands. Our failure to enforce a provision is not a waiver. You may not assign these Terms without our consent; we may assign them in connection with a merger or sale of the business.

14. Contact

Richards Claims Suite LLC, 12702 W 138 Ter, Overland Park, KS 66221 · support@claimssuite.com