ContentsClaims LLC · Last updated April 12, 2026
ContentsClaims LLC, a Nevada limited liability company, 401 Ryland Street, Ste 200-A, Reno, NV 89502 ("ContentsClaims," "we," "us," or "our").
Technology Documentation Platform: ContentsClaims LLC is a technology platform that retrieves, compiles, and structures purchase documentation from user-provided email accounts to assist users in preparing personal property insurance claim inventories. ContentsClaims is a software service only. We are not an insurance company, insurance agent, insurance broker, public adjuster, claims consultant, attorney, or financial advisor, and we do not provide any such professional services. See §7.
Email Scanning and Data Extraction: With your authorization, ContentsClaims connects to your email account via OAuth or app-specific password to scan for electronic purchase receipts, order confirmations, invoices, and warranty documents relevant to insurance claims on damaged or lost personal property. Our systems access only emails that appear to contain purchase-related information based on sender patterns and subject line signals. Non-purchase emails that are touched during this classification process are not retained, extracted, or stored. We do not read personal correspondence, banking statements, medical information, or any other non-purchase content.
AI Processing: ContentsClaims uses artificial intelligence, including third-party AI APIs, to analyze purchase-related email content extracted by our systems. ContentsClaims may use any AI provider at its discretion, including but not limited to OpenAI, Anthropic, Google, open-source or self-hosted models, or other providers, and may change AI providers at any time without notice. Third-party AI providers receive the full text content of emails our systems identify as purchase-related. They do not receive your email login credentials, your email password, or emails our systems do not identify as purchase-related. Purchase emails — such as order confirmations and receipts — may contain personally identifiable information including your name, billing and shipping addresses, and email address, which third-party AI providers may also receive as part of that content. See §5 for full disclosure. AI-generated output may contain errors, omissions, hallucinations, misidentifications, or inaccuracies including fabricated items not present in your emails, incorrect prices, duplicate entries, and outdated valuations. ContentsClaims does not warrant the accuracy, completeness, or suitability of any AI-generated data for any purpose. YOU MUST INDEPENDENTLY REVIEW ALL AI-GENERATED OUTPUT BEFORE USING IT IN ANY INSURANCE CLAIM OR OTHER LEGAL OR FINANCIAL CONTEXT.
AI Failure Modes — Specific Notice: AI-generated claim reports may specifically: (a) identify items not evidenced by any email in your account (hallucination); (b) extract incorrect prices or dates; (c) duplicate the same item multiple times; (d) misclassify item categories; (e) fail to scan some emails that contain relevant receipts; (f) apply valuations that do not reflect current market prices; or (g) infer items from incomplete data. The presence of an item in a report does not confirm you owned or possessed that item at the time of your claimed loss.
No Guarantee of Outcomes: ContentsClaims does not guarantee any insurance claim outcome. Claim determinations are made solely by your insurance company. ContentsClaims documents what your emails show — it does not certify what items were in your home at the time of loss. You bear sole responsibility for the truthfulness and completeness of every claim you submit to your insurer. Submission of inaccurate, inflated, or fabricated information to an insurance company may constitute insurance fraud, which is a felony in all U.S. states. ContentsClaims cooperates with law enforcement and regulatory authorities in response to valid legal process. ContentsClaims does not proactively report users to insurers, law enforcement, or fraud bureaus absent valid legal process or a good-faith belief of imminent harm.
Geographic Availability: ContentsClaims is available to users in U.S. states where it is lawful for us to operate. You are responsible for compliance with your local laws.
Age: You must be at least 18 years old to use this Service. No one under 13 may use the Service under any circumstances.
Residency: You must be located in a U.S. state where the Service is legally offered.
Authority: You may only use the Service for a property and insurance policy for which you are legally authorized to act — as the named insured, a licensed public adjuster with documented written authorization from the named insured, or an authorized family member of the named insured.
SMS and Text Message Consent — All Users: By providing a cellular telephone number during registration or account setup, you expressly consent in writing to receive autodialed or prerecorded text messages and calls from ContentsClaims LLC at the mobile number provided, for purposes including account notices, report status updates, security alerts, and service communications. Message and data rates may apply. Message frequency varies. You may opt out at any time by replying STOP to any text message or by contacting support@contentsclaims.com. For assistance, reply HELP. Consent to receive text messages is not a condition of purchasing or using the Service.
SMS Consent — Licensed Insurance Professionals and Adjuster Partners: If you register as a licensed public adjuster, insurance professional, or partner ("Adjuster Partner"), you additionally consent, by checking the consent box during adjuster registration, to receive text message notifications via automated systems from ContentsClaims LLC specifically including: (a) real-time fire and property incident alerts in geographic areas you have designated; (b) referral program updates and verification status notifications; (c) client invitation and claim activity notifications; and (d) partner program updates and announcements. This consent is separate from and in addition to the general SMS consent above. You may revoke adjuster-specific SMS consent at any time by replying STOP or contacting support@contentsclaims.com, which will remove you from fire incident alert messages while retaining essential account security notifications.
Direct Mail — Homeowner Outreach: ContentsClaims may facilitate delivery of physical direct mail (postcards, letters) to property owners affected by qualifying loss events through licensed direct mail providers. Physical postal mail is not governed by the Telephone Consumer Protection Act (TCPA) or the CAN-SPAM Act. Recipients of physical mail from ContentsClaims or its partners should direct removal requests to the address on the mailer or to privacy@contentsclaims.com.
Adjuster Partner — Disaster Solicitation Compliance: Adjuster Partners are solely and exclusively responsible for compliance with all federal, state, and local laws governing solicitation of disaster victims, including but not limited to statutory waiting periods and prohibitions on contacting fire, flood, or other disaster victims within specified time periods following a loss event. Many states impose criminal penalties and license revocation for premature disaster victim solicitation by public adjusters and their agents or associates. ContentsClaims provides incident alert data as an informational technology service only and makes no representation, warranty, or legal opinion that acting on such data for client solicitation purposes is lawful in any jurisdiction or at any particular time. ContentsClaims expressly disclaims all liability for any regulatory action, fine, license suspension or revocation, civil liability, or criminal prosecution arising from any Adjuster Partner's solicitation activities. Adjuster Partners agree to indemnify, defend, and hold harmless ContentsClaims LLC for all costs, fines, penalties, damages, and attorneys' fees arising from any regulatory or legal action related to their solicitation practices.
Security: ContentsClaims does not guarantee that your account or its contents will be private or secure. You are responsible for maintaining the confidentiality of your account credentials and for all activity occurring under your account.
Prohibited Conduct: You agree NOT to: (a) violate any applicable law; (b) access email accounts you do not own or lack legal authority to access; (c) provide false, misleading, or fraudulent information of any kind; (d) use the Service to assist in any insurance fraud, material misrepresentation, exaggeration, or fabrication of any claim — insurance fraud is a felony in all U.S. states and ContentsClaims cooperates fully with law enforcement and insurance fraud bureaus; (e) submit any Generated Report containing items you did not own or that were not present at the insured premises at the time of loss; (f) probe, scan, or test our systems for vulnerabilities; (g) interfere with or disrupt the Service; (h) use automated means to access the Service without authorization; (i) reverse engineer our software; (j) resell or commercially distribute AI-generated reports without prior written permission; (k) assign or transfer your claims, rights, or causes of action against ContentsClaims to any litigation funding entity, claims aggregation service, mass arbitration coordinator, or third party without ContentsClaims' prior written consent.
Account Ownership: You acknowledge and agree that you will have no ownership or other property interest in your account. All rights in and to the account are and shall remain owned by ContentsClaims LLC.
Email Authentication: ContentsClaims will never ask for your primary email account password. Gmail, Yahoo, AOL, and iCloud connect via provider-generated app-specific passwords that are separate from and do not expose your main account password. Outlook connects via Microsoft OAuth2 — the only provider using OAuth in our current implementation.
App-Specific Passwords (Gmail, Yahoo, AOL, iCloud): App-specific passwords are held in encrypted storage solely for the duration of the active email scan session. Upon scan completion, session timeout, or your request — whichever occurs first, and in no event more than 72 hours after the scan commences — app-specific passwords are permanently deleted from active systems. Encrypted backup systems may retain copies for up to 30 days on a rolling purge schedule as part of our disaster recovery infrastructure, after which they are purged automatically. We do not use app-specific passwords after scan completion for any purpose.
Outlook OAuth: For Outlook, Hotmail, and Live.com accounts, we use Microsoft OAuth2 tokens. We never see or store your Microsoft password. You may revoke access at any time via account.live.com/consent/Manage. Upon revocation, we will not initiate any further email access under that token.
Scope and Limits of Email Access: Access is read-only. We request only the minimum permissions necessary to identify purchase receipts. We do not request permissions to send, delete, modify, or organize your emails or contacts. Our systems scan email metadata (sender, subject, date) to identify candidate purchase emails before accessing message content. Non-purchase emails are processed transiently for classification and are not retained. We do not access email drafts, contacts, calendar data, or file attachments that are not purchase-related documents. We do not conduct real-time or ongoing monitoring of your inbox; access occurs only during a discrete scan session you initiate.
ECPA and SCA Authorization: You expressly authorize ContentsClaims LLC, as your designated agent, to access your stored email communications solely for the purpose of identifying and extracting purchase documentation. This authorization constitutes the lawful consent required under the Electronic Communications Privacy Act (18 U.S.C. §2510 et seq.) and the Stored Communications Act (18 U.S.C. §2701 et seq.). You represent that you are the authorized account holder for each email account you connect and that you have the legal right to authorize this access. You further represent that you have obtained consent from any other individuals whose purchase records may appear in a shared or family email account.
Third-Party Email Provider Terms: When you connect a third-party email service, that provider's terms and privacy policies also apply. ContentsClaims is not responsible for the availability, content, or practices of email providers.
Current pricing: (1) Free preview — no payment required; (2) $15 system fee — triggers the full analysis of your email account; (3) Report download fee — calculated proportionally to your documented claim value, shown after your full analysis before you commit; (4) Optional Policy Checklist & Questions add-on — pricing shown at checkout. All fees are in U.S. dollars. You are responsible for any applicable taxes. Specific report fee rates are provided at checkout after you have seen your results and are not publicly listed in advance.
Processing Fee: The $15 system fee is a non-refundable administrative and server hosting fee. It covers the technology infrastructure, server resources, and operational costs required to run the full analysis on your email account data. This fee is earned in full upon initiation of the scan and is non-refundable regardless of the quantity or quality of results returned, except as expressly provided below.
Report Fee: The report fee is calculated as a percentage of the total documented purchase value compiled from your email account data. This fee is a technology and data-compilation service fee. It is not a contingency fee, insurance claim fee, or public adjusting fee of any kind.
Payment Processing: Payments are processed via Stripe, Inc. By entering payment details you authorize ContentsClaims LLC and Stripe to charge your designated payment method for the applicable fees. ContentsClaims does not store full card numbers, CVV codes, or full cardholder data. Payment security is governed by Stripe's PCI-DSS Level 1 infrastructure.
Refunds: All fees are non-refundable once paid, except where required by applicable law or at ContentsClaims' sole and absolute discretion. If you believe a charge was made in error, contact billing@contentsclaims.com within 7 days of the charge with a description of the issue. ContentsClaims reserves the right to suspend your account if payment disputes are initiated without first contacting us.
Account Suspension for Non-Payment: ContentsClaims reserves the right to suspend or terminate access to your account and reports if any payment obligation remains outstanding. We may pursue collection of unpaid amounts through all available legal remedies.
Digital Delivery and Final Sale: ContentsClaims provides digital, electronically-delivered reports and documentation services. Upon payment confirmation, your report is generated and made available for electronic download. By completing a purchase, you expressly acknowledge and agree that: (a) the Services constitute digital content not supplied on a tangible medium; (b) delivery commences upon payment confirmation and report availability — you will be notified immediately when your report is ready; (c) ALL FEES ARE FINAL AND NON-REFUNDABLE ONCE YOUR REPORT HAS BEEN MADE AVAILABLE FOR DOWNLOAD, regardless of whether you have actually downloaded the file, subject to applicable law; (d) you have specifically requested that digital performance of the Services begin immediately upon payment, and you acknowledge that you thereby waive any applicable statutory right of withdrawal or cooling-off period to the extent permitted under applicable law; and (e) disputing a charge after downloading or accessing your report constitutes a material breach of this Agreement and ContentsClaims reserves all rights to recover the full amount plus costs through collections and legal proceedings. You will have an opportunity to review a pre-purchase disclosure and confirm your acknowledgment before each report download.
Consent to Electronic Records: You consent to receive all disclosures, notices, and agreements related to your purchase electronically. Your click-wrap consent at checkout, together with the pre-download acknowledgment, constitutes a binding electronic signature under the Electronic Signatures in Global and National Commerce Act (E-SIGN Act, 15 U.S.C. §7001 et seq.) and applicable state electronic signature laws. These records are timestamped and IP-logged and may be submitted as evidence in any dispute resolution proceeding.
License to User Content: You grant ContentsClaims LLC a limited, non-exclusive, royalty-free, worldwide license to use, copy, access, transmit, and store content you provide, solely to provide, operate, and improve the Service. You retain ownership of your underlying raw data.
De-Identified Data: ContentsClaims may use aggregated, de-identified data derived from user interactions — data that has been processed to remove all direct and indirect identifiers such that it cannot reasonably be used to identify any individual, property, claim, or email account — to improve the Service, develop new features, and conduct internal research. De-identification is performed in accordance with the standards set forth in 45 C.F.R. §164.514(b) (the HIPAA Safe Harbor methodology) or equivalent standards. ContentsClaims retains full ownership of any insights, models, or derivative works created from de-identified aggregate data. ContentsClaims will not re-identify de-identified data or attempt to link it back to any individual user.
AI Processing and PII Disclosure: When ContentsClaims transmits purchase email data to third-party AI API providers for structuring and analysis, those providers receive the content of purchase-related emails as identified by our systems. Purchase emails — such as order confirmations and receipts — may contain personally identifiable information including your name, billing address, shipping address, and email address. ContentsClaims does not separately transmit your email login credentials or primary account password to AI providers. ContentsClaims may change its AI provider(s) at any time. ContentsClaims works to obtain appropriate data processing agreements or equivalent contractual protections with AI API providers; where such agreements are not yet in place, ContentsClaims implements alternative safeguards or restricts the data transmitted. Each provider's data handling is governed by its own published privacy policy and API usage terms. ContentsClaims does not independently control or warrant AI providers' internal data practices beyond what they publicly disclose. By using the Service, you acknowledge and consent to the transmission of purchase email content, which may include personally identifiable information, to AI API providers as necessary to generate your claim inventory.
AI Training Opt-Out: You may opt out of having your de-identified structured data used to improve ContentsClaims' internal systems by submitting a written request to privacy@contentsclaims.com. We will honor opt-out requests within 30 days. Opting out does not affect your access to the Service. Data already incorporated into aggregated statistical models prior to receipt of your opt-out cannot be reversed.
Feedback License: If you provide suggestions, feedback, or ideas about the Service, you grant ContentsClaims LLC a non-exclusive, worldwide, perpetual, irrevocable, fully-paid, royalty-free, sublicensable, and transferable license to use, copy, modify, and exploit that feedback for any purpose without compensation or obligation to you.
Privacy Policy: Your use of the Service is also governed by our Privacy Policy, which is incorporated into these Terms by reference.
All content, software, design, logos, trademarks, trade secrets, proprietary methods, valuation algorithms, scoring methodologies, and materials provided by ContentsClaims LLC are our intellectual property or that of our licensors and are protected by applicable intellectual property laws. You receive a limited, revocable, non-transferable, non-exclusive license to use the Service solely for its intended purpose.
AI-Generated Reports: ContentsClaims retains copyright and intellectual property rights in the software, formatting, template structure, report architecture, scoring methodology, valuation algorithms, and original analytical expression embodied in Generated Reports, including the HCV Report, Maximum Value Report, Policy Analysis, and any other AI-generated output. ContentsClaims does not claim ownership of the underlying factual data extracted from your emails, which consists of your personal transaction records. Upon full payment of the applicable unlock fee, you receive a limited, personal, non-exclusive, non-transferable, non-sublicensable license to use the Generated Report solely to document your own specific insurance claim. You may not resell, sublicense, publish, or distribute Generated Reports to any party other than your licensed public adjuster, attorney, or insurance company in direct connection with your specific claim. Nothing in this section limits your rights under applicable privacy law to receive a copy of your personal information in a portable format.
DMCA / Copyright: For copyright claims, see our Copyright Policy. DMCA Agent: legal@contentsclaims.com · ContentsClaims LLC, 401 Ryland Street, Ste 200-A, Reno, NV 89502.
Policy Checklist & Questions Tool — Important Disclaimer: ContentsClaims offers an optional Policy Checklist & Questions tool (available at additional cost) that uses automated software to generate a list of questions and checklist items based on insurance policy documents you upload or on general coverage concepts you describe. This tool is designed ONLY to help you prepare for a conversation with a licensed professional — it does NOT analyze your policy or render any coverage opinion. YOU MUST READ THE FOLLOWING CAREFULLY: (a) All output is generated entirely by automated software without any human review by ContentsClaims; (b) the questions and checklist items generated may be incomplete, irrelevant to your specific policy, or based on incorrect assumptions about your coverage — they are starting points only, not conclusions; (c) this tool does NOT constitute legal advice, insurance advice, a professional coverage opinion, claims consulting, public adjusting, or the work product of any licensed attorney, public adjuster, or insurance professional; (d) NO coverage decision, claim strategy, settlement evaluation, or legal position should be based on this tool's output — it exists solely to help you formulate questions to ask a qualified professional; (e) ContentsClaims expressly disclaims all liability for any claim outcome, coverage determination, underpayment, denial, or legal proceeding arising from your use of or reliance on output from this tool. THIS TOOL GENERATES QUESTIONS — NOT ANSWERS. ALWAYS TAKE ANY OUTPUT TO A LICENSED PUBLIC ADJUSTER OR INSURANCE ATTORNEY BEFORE MAKING ANY COVERAGE DECISION.
No Claim Advocacy: ContentsClaims does not review your insurance policy for coverage, advise you on coverage, negotiate with your insurer, or assist in any activity that constitutes the practice of public adjusting or insurance consulting under applicable state law. The Policy Checklist & Questions tool described above generates questions and prompts — not coverage conclusions or professional opinions — and is expressly disclaimed as set forth above. Our platform generates a structured inventory of purchase documentation from your email records. The use, interpretation, and presentation of that documentation and any tool output to any insurer is solely your responsibility.
Independent Verification Required: All AI-generated reports should be independently verified by you, and where appropriate by a licensed public adjuster or attorney, before submission to any insurance company, regulatory authority, or court. ContentsClaims bears no responsibility for any claim outcome, coverage dispute, or legal proceeding arising from your use or reliance on a Generated Report.
Regulatory Compliance — Licensed Professionals: Users who are licensed insurance professionals — including public adjusters, insurance agents, attorneys, and independent adjusters — are solely responsible for complying with their professional licensing obligations, ethical rules, fee regulations, and applicable state insurance law in connection with their use of the Service. ContentsClaims does not warrant that use of the Service by a licensed professional complies with any specific jurisdiction's licensing requirements.
What ContentsClaims Does: ContentsClaims provides ONLY: (1) automated email scanning to identify purchase-related emails based on sender and subject line signals; (2) automated data extraction of item names, prices, dates, and merchants from identified purchase emails; (3) formatted report compilation from extracted data; and (4) an optional Policy Checklist & Questions tool that generates questions and checklist items to bring to a licensed professional, as separately disclaimed above. That is the entirety of the Service.
What ContentsClaims Does NOT Do: ContentsClaims does NOT: provide insurance advice, coverage opinions, or claims consulting; advise on how to file, structure, negotiate, or present any claim; appraise or value property; provide legal advice or review policy language for coverage; handle, negotiate, or manage your claim; verify the accuracy, completeness, or truthfulness of any item in a report; certify that any item was present at your home at the time of loss; submit claims to your insurer; or guarantee any claim outcome. Claim decisions are made solely by your insurance company.
ContentsClaims LLC is a technology platform. ContentsClaims does not hold and has not applied for a public adjuster license, insurance agent license, claims consultant license, or any other insurance professional license in any U.S. state. If your state requires licensing for activities ContentsClaims performs, ContentsClaims may not be authorized to operate in your state and you are responsible for verifying compliance with your state's laws before using the Service. To inquire about insurance licensing requirements in your state, contact your state's insurance commissioner or department.
Adjuster Partners are solely responsible for ensuring that their use of the ContentsClaims platform complies with all professional licensing obligations, advertising rules, solicitation restrictions, and conduct rules imposed by their state licensing board and applicable state insurance law.
No Professional Advice: Nothing ContentsClaims provides constitutes legal, financial, tax, or insurance advice. Consult qualified licensed professionals for advice on filing claims or legal matters.
AI Accuracy: We do not warrant that the Service will find every relevant receipt, that extracted data will be perfectly accurate, that reports will be free of hallucinations or errors, or that output will be accepted by any insurer. AI-generated content has specific known failure modes described in §1. You must independently review and verify all AI-generated output before submitting it to any insurer, government agency, court, or third party.
User Verification Disclaimer: ContentsClaims does not verify, and expressly disclaims any representation regarding: (a) whether any purchase described in a report actually occurred; (b) whether any item was owned by the user at the time of the claimed loss; (c) whether any item was located at the insured property; (d) whether any item was in fact lost, damaged, or destroyed; or (e) whether the claimed loss event occurred. Users affirm that all items they submit to an insurer were present at the insured premises at the time of loss and that they owned those items. ContentsClaims bears no responsibility for the truthfulness of users' submissions to their insurers.
No Biometric Data: ContentsClaims does not collect, store, or process biometric identifiers or biometric information as defined under Illinois BIPA, Texas CUBI, Washington HB 1493, or any other applicable biometric privacy law.
Third-Party Services: We rely on third-party infrastructure (email providers, cloud hosting, payment processors, AI APIs, direct mail vendors) and do not guarantee their availability, security, or accuracy. Downtime, errors, or security incidents originating in third-party systems are not ContentsClaims' liability.
Some jurisdictions do not allow exclusion of certain warranties. In such jurisdictions, any required warranty is limited to the minimum scope and duration permitted by law, and in no event longer than 30 days from first use.
Aggregate Liability Cap: TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, CONTENTSCLAIMS' TOTAL CUMULATIVE LIABILITY TO YOU FOR ALL CLAIMS OF ANY KIND ARISING OUT OF OR RELATED TO YOUR USE OF THE SERVICE, WHETHER IN CONTRACT, TORT, STATUTE, OR OTHERWISE, SHALL NOT EXCEED THE GREATER OF: (a) THE TOTAL FEES YOU PAID TO CONTENTSCLAIMS IN THE TWELVE (12) MONTHS IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO THE CLAIM; OR (b) ONE HUNDRED DOLLARS ($100.00). THIS CAP DOES NOT APPLY TO: (i) DAMAGES ARISING FROM CONTENTSCLAIMS' GROSS NEGLIGENCE OR WILLFUL MISCONDUCT; (ii) STATUTORY DAMAGES UNDER THE TCPA (47 U.S.C. §227) OR CCPA/CPRA (CALIFORNIA CIVIL CODE §1798.150) WHERE SUCH DAMAGES CANNOT BE CONTRACTUALLY LIMITED; OR (iii) CONTENTSCLAIMS' INDEMNIFICATION OBLIGATIONS UNDER §10. YOU ACKNOWLEDGE THAT THIS CAP REFLECTS A REASONABLE ALLOCATION OF RISK GIVEN THE PRICING OF THE SERVICE, AND THAT CONTENTSCLAIMS WOULD NOT PROVIDE THE SERVICE AT CURRENT FEES WITHOUT THESE LIMITATIONS.
Data Breach and Security Incidents: TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, CONTENTSCLAIMS' TOTAL LIABILITY FOR ANY UNAUTHORIZED ACCESS TO, DISCLOSURE OF, OR LOSS OF USER DATA — INCLUDING EMAIL CREDENTIALS, PURCHASE HISTORY, PERSONAL INFORMATION, OR GENERATED REPORTS — ARISING FROM ANY CAUSE IS LIMITED TO THE CAP IN THE PRECEDING PARAGRAPH. USER EXPRESSLY ACKNOWLEDGES THAT: (A) NO SYSTEM IS 100% SECURE; (B) USER ASSUMES THE RISK OF SECURITY INCIDENTS EXCEPT TO THE EXTENT DIRECTLY CAUSED BY CONTENTSCLAIMS' GROSS NEGLIGENCE OR WILLFUL MISCONDUCT; (C) CONTENTSCLAIMS IS NOT LIABLE FOR IDENTITY THEFT, CREDIT MONITORING COSTS, LOST BUSINESS, OR EMOTIONAL DISTRESS ARISING FROM A SECURITY INCIDENT.
Security Safe Harbor: ContentsClaims is not liable for loss arising from: (i) your failure to maintain confidentiality of your credentials or account; (ii) your granting email access to unauthorized third parties; (iii) security vulnerabilities inherent in third-party email providers, OAuth systems, or app-specific password infrastructure; (iv) interception of data attributable to your device, network, browser, or ISP; or (v) your failure to promptly notify us of suspected unauthorized account access.
Acknowledgment: You acknowledge that you have read and understood this Section, that the fees charged by ContentsClaims are set in material reliance on these limitations, and that you would not receive access to the Service at current pricing without ContentsClaims' ability to rely on these limitations. If you do not agree with these limitations, your sole remedy is to not use the Service.
You agree to indemnify, defend (with counsel of ContentsClaims' choosing), and hold harmless ContentsClaims LLC and its affiliates, officers, directors, employees, agents, licensors, and successors from all losses, liabilities, claims, damages, expenses, and costs (including reasonable attorneys' fees and costs of investigation) arising out of or relating to:
ContentsClaims reserves the right to assume exclusive defense and control of any indemnified matter. You agree to cooperate fully with ContentsClaims' defense and not to settle any indemnified claim without ContentsClaims' prior written consent. This indemnification obligation survives termination of these Terms.
By You: You may stop using the Service and request account deletion at any time. Prepaid fees are non-refundable. Download your reports before requesting account deletion — we cannot guarantee recovery of report data after deletion.
By ContentsClaims: ContentsClaims may suspend or terminate your access at any time, with or without prior notice, if you have violated these Terms, engaged in fraudulent or illegal use, provided false information, or if your continued use creates legal, regulatory, or reputational risk for ContentsClaims. Upon termination, your license to use the Service and any Generated Reports in our systems ceases immediately.
Survival: The following Sections survive any termination or expiration of these Terms: §5 (IP license for de-identified data), §6 (Intellectual Property), §7 (Technology Platform Disclaimer), §8 (Disclaimers), §9 (Limitation of Liability), §10 (Indemnification), §11, §12 (Statute of Limitations), §13 (Arbitration), §14 (Governing Law), §15 (Liquidated Damages), and §17 (Miscellaneous).
Except where applicable law provides a longer period that cannot be contractually shortened, ANY CLAIM OR CAUSE OF ACTION ARISING OUT OF OR RELATED TO YOUR USE OF THE SERVICE OR THESE TERMS MUST BE FILED WITHIN ONE (1) YEAR AFTER THE DATE THE CLAIMANT KNEW OR REASONABLY SHOULD HAVE KNOWN OF THE FACTS GIVING RISE TO THE CLAIM, OR IT IS PERMANENTLY BARRED. This one-year limitation does NOT apply to: (a) claims under the California Consumer Privacy Act or California Privacy Rights Act (three-year statutory period); (b) claims under the Telephone Consumer Protection Act, 47 U.S.C. §227 (four-year federal period); (c) claims under any state consumer protection statute where a shorter contractual limitations period is prohibited by applicable law; or (d) ContentsClaims' claims for unpaid fees, liquidated damages under §16, injunctive relief, or enforcement of intellectual property rights. For claims excepted above, the applicable statutory limitations period governs. The one-year period shall apply to all other claims not expressly excepted.
Informal Resolution First: Before filing for arbitration or any other proceeding, the disputing party must send written notice to the other party describing the dispute in detail and the relief sought. Notice to ContentsClaims must be sent to legal@contentsclaims.com and by certified mail to ContentsClaims LLC, 401 Ryland Street, Ste 200-A, Reno, NV 89502. ContentsClaims has 45 days from receipt of notice to attempt informal resolution. Neither party may initiate arbitration until this period has elapsed without resolution.
Agreement to Arbitrate: EXCEPT FOR CLAIMS THAT MAY BE BROUGHT IN SMALL CLAIMS COURT AND CLAIMS FOR INJUNCTIVE OR EQUITABLE RELIEF FOR INTELLECTUAL PROPERTY INFRINGEMENT, YOU AND CONTENTSCLAIMS AGREE THAT ANY AND ALL DISPUTES, CLAIMS, OR CONTROVERSIES OF ANY KIND ARISING OUT OF OR RELATING TO THESE TERMS, THE SERVICE, YOUR ACCOUNT, ANY GENERATED REPORT, OR ANY INTERACTION WITH CONTENTSCLAIMS SHALL BE RESOLVED EXCLUSIVELY THROUGH FINAL AND BINDING ARBITRATION ON AN INDIVIDUAL BASIS, AND NOT IN COURT.
Arbitration Rules and Administrator: Arbitration shall be administered by JAMS pursuant to its Streamlined Arbitration Rules and Procedures (for claims under $250,000) or its Comprehensive Arbitration Rules and Procedures (for claims $250,000 or more), each as in effect at the time arbitration is commenced and available at www.jamsadr.com. The arbitration shall be conducted before a single neutral arbitrator selected in accordance with JAMS rules. Proceedings may be conducted by telephone, video conference, or written submission for claims under $25,000 unless either party requests an in-person hearing.
Mass Arbitration — Batching and Bellwether Procedure: If twenty-five (25) or more claimants file demands for arbitration with substantially similar factual allegations and legal claims against ContentsClaims within a 180-day period (a "Mass Filing"), the following procedure governs: (a) JAMS shall randomly select ten (10) bellwether cases to proceed first; (b) the remaining demands shall be stayed pending resolution of the bellwether cases; (c) the parties shall meet and confer in good faith regarding resolution of the remaining cases following the bellwether outcomes; (d) if the parties cannot agree on a resolution process within 60 days of the final bellwether award, the stayed cases will proceed in further batches of twenty-five (25) per wave. Filing fees for stayed cases shall not be assessed until those cases are activated. This provision is intended to promote efficiency and is not intended to prevent any claimant from pursuing their individual claim.
Location: In-person arbitration hearings shall take place in Washoe County, Nevada, or in the county where you reside, at your election for claims of $10,000 or less.
Arbitration Fees: For claims of $10,000 or less, ContentsClaims will pay all JAMS filing, administrative, and arbitrator fees unless the arbitrator determines your claim is frivolous. For claims over $10,000, the JAMS fee schedule applies. Each party bears its own attorneys' fees in arbitration unless the arbitrator finds a claim or defense frivolous, in which case the arbitrator may award fees in accordance with applicable law.
CLASS ACTION AND COLLECTIVE ACTION WAIVER: YOU AND CONTENTSCLAIMS EACH EXPRESSLY WAIVE ANY RIGHT TO BRING OR PARTICIPATE IN ANY CLASS ACTION, COLLECTIVE ACTION, PRIVATE ATTORNEY GENERAL ACTION, REPRESENTATIVE PROCEEDING, OR CONSOLIDATED ARBITRATION OF ANY KIND. ALL DISPUTES MUST BE BROUGHT IN AN INDIVIDUAL CAPACITY ONLY. THE ARBITRATOR MAY NOT CONSOLIDATE MORE THAN ONE PERSON'S CLAIMS AND MAY NOT PRESIDE OVER ANY FORM OF A REPRESENTATIVE, CLASS, OR COLLECTIVE PROCEEDING. If any court or arbitrator determines that this class action waiver is unenforceable as to a particular claim, the arbitration agreement shall not apply to that specific claim and that claim shall be litigated exclusively in the courts specified in §14. The unenforceability of the class action waiver as to one claim shall not affect the arbitrability of any other claim.
Anti-Assignment of Claims: You may not assign, transfer, or delegate to any third party — including any litigation funding entity, claims aggregation service, mass arbitration coordination firm, or law firm filing on behalf of multiple claimants — any claim, right, or cause of action you have against ContentsClaims, without ContentsClaims' express prior written consent. Any purported assignment in violation of this provision is void.
Exceptions: Either party may bring an individual action in small claims court if the claim qualifies. ContentsClaims may seek emergency injunctive or equitable relief in any court of competent jurisdiction to prevent irreparable harm pending arbitration, including to protect intellectual property, trade secrets, or to prevent misuse of user data.
Opt-Out Right: You may opt out of this arbitration agreement by sending written notice to legal@contentsclaims.com within 30 days of first creating your account, including your name, email address, and a clear statement that you are opting out of arbitration. Opting out does not affect any other provision of these Terms. If you opt out, disputes shall be resolved exclusively in the courts specified in §14.
McGill Rule Carve-Out (California): Notwithstanding any other provision of this arbitration agreement, any claim for public injunctive relief under California law — including under the California Consumer Legal Remedies Act, California Unfair Competition Law, or California False Advertising Law — shall not be subject to arbitration and shall be resolved by a court of competent jurisdiction. All other claims, including private injunctive relief, shall remain subject to arbitration. This carve-out is severable and shall not affect the arbitrability of any other claim.
Severability: If any portion of this arbitration agreement is found unenforceable, the unenforceable portion shall be severed and the remaining arbitration provisions shall remain in full force and effect, except that if the Class Action and Collective Action Waiver is found unenforceable, the entire arbitration agreement shall be null and void as to the affected claim, and that claim shall be resolved in court.
These Terms are governed by the laws of the State of Nevada and applicable federal law, without regard to conflict of law principles. Subject to the arbitration provisions above, any legal action not subject to arbitration shall be brought exclusively in federal or state courts located in Washoe County, Nevada. You and ContentsClaims consent to personal jurisdiction and venue in such courts. Notwithstanding the foregoing Nevada choice of law, the application of consumer protection laws of a user's state of residence shall not be limited to the extent such laws are non-waivable as a matter of that state's law.
ContentsClaims may modify these Terms at any time. Material changes will be communicated by posting updated Terms on this page and emailing the address on your account, effective no sooner than 30 days after notice. For changes that materially alter how we handle sensitive personal information (including email credentials or payment data), we will request your affirmative re-consent before the change takes effect. ContentsClaims may make immediate changes without prior notice where required by law, to address a security vulnerability, to comply with a court order, or to prevent fraud. Continued use after the effective date of any change constitutes your acceptance of the updated Terms.
Unauthorized distribution, reproduction, or misuse of ContentsClaims' AI-generated reports and proprietary compiled works causes damages that are difficult to quantify precisely. You therefore agree to pay as liquidated damages — representing a reasonable estimate of actual harm and not a penalty — the following amounts per incident:
The foregoing liquidated damages are cumulative with all other remedies available to ContentsClaims at law or in equity, including injunctive relief, actual damages, disgorgement, and attorneys' fees. For use of the Service in furtherance of insurance fraud, ContentsClaims reserves all rights to seek actual damages, criminal referral, and cooperation with law enforcement without limitation. ContentsClaims may seek injunctive relief in any court of competent jurisdiction without posting bond.
Under California Civil Code §1789.3, California residents are entitled to the following consumer rights notice: The Services are provided by ContentsClaims LLC, 401 Ryland Street, Ste 200-A, Reno, NV 89502. Contact us at support@contentsclaims.com. The Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs may be contacted at 1625 N. Market Blvd., Suite S-202, Sacramento, CA 95834; phone: (916) 445-1254 or (800) 952-5210.
California residents have additional rights under the California Consumer Privacy Act and California Privacy Rights Act. See our Privacy Policy §5 and §9 for a full description of California privacy rights and how to exercise them.
Entire Agreement: These Terms together with our Privacy Policy, Cookie Policy, and Copyright Policy constitute the entire agreement between you and ContentsClaims LLC regarding the Service and supersede all prior agreements, representations, and understandings.
Severability: If any provision of these Terms is found by a court or arbitrator to be unenforceable, that provision shall be modified to the minimum extent necessary to make it enforceable, or severed if modification is not possible, and the remaining provisions shall remain in full force and effect.
Assignment: You may not assign these Terms or any rights or obligations hereunder without ContentsClaims' prior written consent. ContentsClaims may freely assign these Terms in connection with a merger, acquisition, sale of assets, or reorganization, without notice to you.
Force Majeure: ContentsClaims shall not be liable for any delay, failure, or interruption of service resulting from causes beyond our reasonable control, including natural disasters, pandemics, acts of government, cyberattacks on third-party infrastructure, internet failures, or labor disputes.
No Waiver: ContentsClaims' failure to enforce any provision of these Terms shall not constitute a waiver of that or any other provision. A waiver of any breach shall not constitute a waiver of any subsequent breach.
Notices: Legal notices to ContentsClaims must be sent to: legal@contentsclaims.com and by certified mail, return receipt requested, to ContentsClaims LLC, 401 Ryland Street, Ste 200-A, Reno, NV 89502, Attn: Legal Department. Electronic notice alone is not sufficient for legal claims.
Relationship of Parties: You and ContentsClaims are independent contractors. Nothing in these Terms creates a partnership, joint venture, agency, franchise, or employment relationship between the parties.
Construction: These Terms shall not be construed against the drafter. Headings are for convenience only. The words "include," "includes," and "including" are deemed to be followed by "without limitation."
ContentsClaims LLC · 401 Ryland Street, Ste 200-A, Reno, NV 89502 · support@contentsclaims.com · legal@contentsclaims.com