Terms of Service

These Terms of Service ("Terms") govern your access to and use of roadclaimsadvisor.com (the "Site") and the claim review and consulting services offered by RoadClaims Advisor ("we," "us," or "our"). By using the Site or purchasing a review, you agree to these Terms.

1. Services

RoadClaims Advisor provides commercial claim handling consulting and written claim review support. Available packages and starting prices are described on our Pricing page. Final scope and price are confirmed in writing before payment.

2. Not a law firm

RoadClaims Advisor is not a law firm and does not provide legal advice, legal representation, lawsuit filing, legal pleadings, court appearances, expert testimony, or guaranteed claim outcomes. Reviews are professional claim handling opinions only. For legal advice, consult an attorney licensed in your state.

3. Intake, scope, and payment

• You submit an intake describing your claim. No payment is required at intake.
• We review your intake and confirm the recommended package, scope, turnaround, and price in writing.
• A secure payment link is sent only after you approve scope. Payment is processed by Stripe.
• Claim documents are submitted only after payment and only via the secure upload link provided.

4. Your responsibilities

• Provide accurate and complete information.
• Have the right to share any documents you upload.
• Use the Services for lawful purposes only.
• Do not upload documents before your scope is confirmed.

5. Deliverable

The deliverable is a written review identifying handling concerns, coverage and liability observations, documentation gaps, and recommended next steps within the confirmed scope. The deliverable is for your internal use and may not be republished without our written consent.

6. Fees and refunds

Fees are due before work begins. Because reviews are professional services delivered against a confirmed scope, fees are non-refundable once work has begun. If we are unable to perform the agreed scope, we will refund the unearned portion.

7. Confidentiality

We treat claim information you submit as confidential and use it only for the purpose of providing the requested review. We may use aggregated or de-identified information to improve the Services.

8. Intellectual property

The Site, calculator, intake materials, and review templates are owned by RoadClaims Advisor. You receive a non-exclusive, non-transferable license to use the delivered review for your internal business or claim purposes.

9. Disclaimers

The Services are 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 any specific claim outcome.

10. Limitation of liability

To the maximum extent permitted by law, our aggregate liability for any claim arising out of or relating to the Services will not exceed the fees you paid for the specific review giving rise to the claim. We are not liable for indirect, incidental, consequential, special, or punitive damages.

11. Indemnification

You agree to indemnify and hold RoadClaims Advisor harmless from any claim arising out of your misuse of the Services or violation of these Terms.

12. Governing law

These Terms are governed by the laws of the State of Florida, without regard to its conflict of laws rules. Disputes will be resolved in the state or federal courts located in Florida.

13. Changes

We may update these Terms from time to time. Material changes will be reflected by updating the effective date above.

14. Contact

Questions about these Terms: RichardL@roadclaimsadvisor.com or (813) 359-1618.