Terms of Service

Please read these Terms of Service (“Terms”, “Agreement”) carefully before using the ClaimFlow platform (“Service”, “Platform”) operated by Secure Systems, Inc. (“Company”, “we”, “us”, “our”). By accessing or using the Service, you agree to be bound by these Terms. If you do not agree with any part of these Terms, you may not access the Service.

1. Definitions

“Account” means a unique account created for you to access our Service. “Subscriber” means any individual or entity that subscribes to a paid plan. “User” means any individual who accesses or uses the Service, including team members added under a Subscriber’s account. “Content” means any data, text, documents, images, or other materials you upload, store, or transmit through the Service. “Policyholder Data” means any personal information, claim details, policy information, or documentation related to your clients’ insurance claims that you store or process through the Service.

2. Account Registration

To use the Service, you must create an account by providing accurate, complete, and current information. You are responsible for safeguarding the password you use to access the Service and for all activities that occur under your account. You must notify us immediately at support@claimflow.com upon becoming aware of any breach of security or unauthorized use of your account. You may not use as a username the name of another person or entity, or a name that is not lawfully available for use, or a name or trademark that is subject to any rights of another person or entity without appropriate authorization.

3. Subscription Plans & Billing

Free Trial. We may offer a free trial period at our discretion. At the end of the trial, your account will be downgraded or suspended unless you subscribe to a paid plan. We reserve the right to modify or discontinue the free trial at any time without notice.

Paid Plans. ClaimFlow offers monthly subscription plans (Starter, Professional, and Agency) as described on our Pricing page. All fees are quoted in US dollars and are exclusive of applicable taxes. You agree to pay all fees associated with your selected plan.

Billing Cycle. Subscriptions are billed monthly in advance on the calendar anniversary of the date you first subscribe to a paid plan. Payment is due at the beginning of each billing cycle.

Price Changes. We reserve the right to modify our pricing at any time. Any price changes will take effect at the start of the next billing cycle following notice to you. Continued use of the Service after a price change constitutes acceptance of the new price.

Failed Payments. If a payment fails, we will attempt to charge the payment method on file up to three additional times over a 10-day period. If all attempts fail, your account may be suspended until payment is received.

4. Cancellation & Refunds

You may cancel your subscription at any time from your account settings or by contacting support@claimflow.com. Upon cancellation, your subscription will remain active until the end of the current billing period. We do not provide prorated refunds for partial months. After cancellation, your account data will be retained for 30 days, after which it may be permanently deleted. You may request an export of your data at any time during this 30-day period.

5. Acceptable Use

You agree to use the Service only for lawful purposes and in accordance with these Terms. You agree not to:

• Use the Service in any way that violates any applicable federal, state, local, or international law or regulation, including but not limited to insurance regulations in your state(s) of licensure.

• Upload, store, or transmit any material that is unlawful, defamatory, fraudulent, or that infringes upon the rights of others.

• Attempt to gain unauthorized access to, interfere with, damage, or disrupt any parts of the Service, the server on which the Service is hosted, or any server, computer, or database connected to the Service.

• Use the Service to store or process data in violation of any applicable data protection or privacy laws.

• Share your account credentials with unauthorized third parties or allow access to your account by anyone not authorized under your subscription plan.

• Reverse engineer, decompile, disassemble, or attempt to derive the source code of the Service.

• Use automated scripts, bots, or scraping tools to access the Service without our written permission.

6. Your Data & Content

Ownership. You retain all rights to your Content and Policyholder Data. We do not claim ownership of any data you upload or store in the Service. By using the Service, you grant us a limited license to host, store, process, and display your Content solely as necessary to provide the Service to you.

Responsibility. You are solely responsible for the accuracy, legality, and appropriateness of all Content you upload to the Service. You represent and warrant that you have all necessary rights and permissions to store Policyholder Data in the Service, including any consent required from policyholders under applicable law.

Data Portability. You may export your data at any time through the Service’s export features or by contacting support. We will provide your data in a standard, machine-readable format within 10 business days of any request.

Backups. While we perform regular backups of Service data, we are not responsible for any loss or corruption of data. You are encouraged to maintain your own backups of critical information.

7. Privacy & Data Protection

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 collection and use of information as described in the Privacy Policy. Given the sensitive nature of insurance claims data, we implement industry-standard security measures including encryption in transit and at rest, access controls, and regular security audits.

8. Policyholder Portal

If your subscription plan includes access to the policyholder portal feature, you acknowledge and agree that: you are responsible for determining what information is shared with policyholders through the portal; you must comply with all applicable privacy laws regarding the sharing of claim information; Secure Systems, Inc. is not responsible for any disputes arising between you and your policyholders regarding information displayed in the portal; and you will ensure that all policyholders are informed that the portal is provided through ClaimFlow and is subject to these Terms.

9. Automated Communications

The Service includes automated email and SMS communication features. You are solely responsible for ensuring that any automated messages sent through the Service comply with all applicable laws, including the CAN-SPAM Act, the Telephone Consumer Protection Act (TCPA), and any state-specific regulations regarding electronic communications. You represent and warrant that you have obtained all necessary consents from recipients before sending automated communications through the Service. Secure Systems, Inc. is not liable for any claims, fines, or penalties arising from your use of automated communication features.

10. Third-Party Integrations

The Service may integrate with or provide links to third-party services (including but not limited to payment processors, email service providers, calendar tools, and document storage services). These integrations are provided for your convenience. We do not endorse, control, or assume responsibility for the content, privacy policies, or practices of any third-party services. Your use of third-party services is governed by their respective terms of service and privacy policies.

11. Intellectual Property

The Service and its original content (excluding Content provided by users), features, and functionality are and will remain the exclusive property of Secure Systems, Inc. and its licensors. The Service is protected by copyright, trademark, and other laws. Our trademarks and trade dress may not be used in connection with any product or service without our prior written consent. “ClaimFlow” and the ClaimFlow logo are trademarks of Secure Systems, Inc. Nothing in these Terms grants you any right to use the ClaimFlow name, logos, domain names, or other distinctive brand features.

12. Service Availability & Modifications

Availability. We strive to maintain 99.9% uptime but do not guarantee uninterrupted access to the Service. We may perform scheduled maintenance with advance notice. In the event of unscheduled downtime, we will use commercially reasonable efforts to restore the Service promptly.

Modifications. We reserve the right to modify, suspend, or discontinue any feature of the Service at any time. We will provide reasonable notice of any material changes that significantly affect your use of the Service. Continued use of the Service following any modifications constitutes acceptance of those modifications.

13. Disclaimer of Warranties

THE SERVICE IS PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, OR COURSE OF PERFORMANCE. Secure Systems, Inc. does not warrant that: the Service will function uninterrupted, securely, or be available at any particular time or location; any errors or defects will be corrected; the Service is free of viruses or other harmful components; or the results of using the Service will meet your requirements.

No Professional Advice. ClaimFlow is a software tool provided by Secure Systems, Inc. Nothing in the Service constitutes legal, insurance, financial, or professional advice. You are solely responsible for your own business decisions, claim handling practices, and compliance with applicable laws and regulations. We do not provide guidance on Insurance claim valuation, policy interpretation, or negotiation strategy.

14. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL SECURE SYSTEMS, INC., ITS DIRECTORS, EMPLOYEES, PARTNERS, AGENTS, SUPPLIERS, OR AFFILIATES BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING WITHOUT LIMITATION LOSS OF PROFITS, DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES, RESULTING FROM: your access to or use of (or inability to access or use) the Service; any conduct or content of any third party on the Service; any Content obtained from the Service; unauthorized access, use, or alteration of your transmissions or Content; or any claim related to insurance claims handled using the Service, including but not limited to claim denials, underpayments, or missed deadlines.

IN NO EVENT SHALL OUR TOTAL AGGREGATE LIABILITY EXCEED THE AMOUNT YOU HAVE PAID TO US IN THE TWELVE (12) MONTHS PRECEDING THE EVENT GIVING RISE TO THE LIABILITY.

15. Indemnification

You agree to defend, indemnify, and hold harmless Secure Systems, Inc., its directors, employees, and agents from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys’ fees) arising out of or relating to: your violation of these Terms; your use of the Service; your Content or Policyholder Data; your violation of any applicable law or regulation; any dispute between you and a policyholder, insurance carrier, or other third party; or any claim that your use of the Service caused damage to a third party.

16. Governing Law & Dispute Resolution

These Terms shall be governed by and construed in accordance with the laws of the State of Delaware, United States, without regard to conflict of law provisions. Any disputes arising under these Terms shall first be attempted to be resolved through good-faith negotiation. If negotiation fails, disputes shall be resolved through binding arbitration administered by the American Arbitration Association (AAA) under its Commercial Arbitration Rules. The arbitration shall be conducted in the English language and the arbitral award shall be final and binding. Nothing in this section shall prevent either party from seeking injunctive or equitable relief in a court of competent jurisdiction.

17. Termination

We may terminate or suspend your account immediately, without prior notice or liability, for any reason, including without limitation if you breach these Terms. Upon termination, your right to use the Service will immediately cease. All provisions of these Terms which by their nature should survive termination shall survive, including without limitation ownership provisions, warranty disclaimers, indemnity, and limitations of liability. Following termination, we will retain your data for 30 days to allow you to export it, after which it may be permanently deleted.

18. Changes to These Terms

We reserve the right to modify these Terms at any time. We will provide notice of material changes by posting the updated Terms on this page and updating the “Last updated” date. For material changes that significantly affect your rights or obligations, we will provide at least 30 days’ notice via email to the address associated with your account. Your continued use of the Service after such modifications constitutes acceptance of the updated Terms. If you do not agree with the modified Terms, you must discontinue use of the Service before the changes take effect.

19. General Provisions

Entire Agreement. These Terms, together with the Privacy Policy, constitute the entire agreement between you and Secure Systems, Inc. regarding the Service and supersede all prior agreements and understandings.

Severability. If any provision of these Terms is held to be invalid or unenforceable, such provision shall be struck and the remaining provisions shall be enforced to the fullest extent under law.

Waiver. The failure of Secure Systems, Inc. to enforce any right or provision of these Terms shall not constitute a waiver of such right or provision.

Assignment. You may not assign or transfer these Terms or your rights under them without our prior written consent. We may assign our rights and obligations under these Terms without restriction.

Force Majeure. Secure Systems, Inc. shall not be liable for any failure or delay in performing its obligations where such failure or delay results from circumstances beyond its reasonable control, including but not limited to natural disasters, acts of government, internet service disruptions, or third-party service failures.

20. Contact Us

If you have any questions about these Terms of Service, please contact us:

Email: support@claimflow.com
Website: www.claimflow.com/contact