Terms of Service

By accessing and using Compens AI ("the Service"), you agree to be bound by these Terms of Service ("Terms"). These Terms apply to all users worldwide, including but not limited to users in the United States, Canada, Australia, United Kingdom, Switzerland, European Union, New Zealand, South Africa, Ireland, and all other countries.

If you do not agree to these Terms, you may not access or use the Service.

Compens AI provides AI-powered insurance claim analysis and documentation services. Our platform helps users:

• Analyze insurance claims for potential underpayment
• Generate professional negotiation documents
• Provide market research and valuation data
• Offer educational content about insurance laws and practices

Important: Compens AI provides informational and analytical services only. We do not provide legal advice, act as insurance adjusters, or guarantee specific outcomes. Users should consult with qualified professionals for legal or specialized insurance advice.

Users agree to:

• Provide accurate and truthful information
• Use the Service only for legitimate insurance claim purposes
• Comply with all applicable laws and regulations in their jurisdiction
• Not use the Service for fraudulent or illegal activities
• Maintain the confidentiality of their account credentials
• Not share generated documents or analysis with unauthorized parties

No Legal Advice: Compens AI does not provide legal advice. Our analysis and documents are for informational purposes only.

No Guarantee of Results: We cannot guarantee specific outcomes or settlement amounts. Insurance claim results depend on many factors beyond our control.

Jurisdictional Differences: Insurance laws vary by country, state, and province. Users must ensure compliance with their local regulations.

Data Accuracy: While we strive for accuracy, users should verify all information and analysis independently.

We are committed to protecting user privacy and comply with applicable data protection laws including:

• General Data Protection Regulation (GDPR) - European Union
• California Consumer Privacy Act (CCPA) - United States
• Personal Information Protection and Electronic Documents Act (PIPEDA) - Canada
• Privacy Act 1988 - Australia
• Data Protection Act 2018 - United Kingdom
• Federal Data Protection Act (FADP) - Switzerland

For detailed information about our data practices, please review our Privacy Policy.

Certain features of the Service require payment. By purchasing credits or subscriptions, you agree to:

• Pay all fees as described at the time of purchase
• Provide accurate billing information
• Accept responsibility for all charges to your account

Refund policies vary by jurisdiction and payment method. Contact support for refund requests.

The Service, including all content, features, and functionality, is owned by Compens AI and protected by international copyright, trademark, and other intellectual property laws.

Users retain ownership of their input data but grant us a limited license to process and analyze it for providing the Service.

To the maximum extent permitted by law, Compens AI shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, or use.

Our total liability for any claim arising from these Terms or the Service shall not exceed the amount paid by the user in the 12 months preceding the claim.

Some jurisdictions do not allow certain limitations of liability, so these limitations may not apply to you.

These Terms are governed by the laws of Switzerland. However, users retain the protection of mandatory consumer laws in their jurisdiction.

Dispute Resolution by Jurisdiction:

• European Union: EU consumers may use the ODR platform at ec.europa.eu/odr
• United States: Disputes may be subject to arbitration as permitted by law
• Canada: Provincial consumer protection laws apply
• Australia: Australian Consumer Law protections apply
• United Kingdom: UK consumer rights are preserved
• Switzerland: Swiss consumer protection laws apply

We reserve the right to modify these Terms at any time. Material changes will be communicated to users via email or through the Service at least 30 days before taking effect.

Continued use of the Service after changes become effective constitutes acceptance of the revised Terms.

For questions about these Terms, please contact us at: