Terms of Service & Consent to AI-Generated Analysis

Last updated: September 25, 2026

These Terms of Service ("Terms") govern your use of the free claim-review tool, document upload, AI-generated analysis, and any paid services offered by Your Desk Adjuster ("we," "us," "our") through our website and related tools (the "Service"). By using the Service — including uploading documents, recording your story, or checking a consent box presented to you — you agree to these Terms.

1. The Free AI Claim Review Is Not Professional Advice

The initial claim review, document analysis, and red/yellow/green rating (the "AI Analysis") is generated using artificial intelligence. It is provided free of charge as a preliminary, informational tool only.

• The AI Analysis may be incomplete, inaccurate, or wrong.
• It is not reviewed by a licensed public adjuster, attorney, appraiser, or other insurance professional unless you separately purchase an expert review service.
• It does not constitute insurance advice, legal advice, or a professional coverage opinion.
• No public-adjuster/client, attorney/client, or other professional relationship is created between you and Your Desk Adjuster (or any affiliated expert) by your use of the free AI Analysis alone.
• We make no guarantee, express or implied, regarding your claim's outcome, your policy's coverage, or any settlement or recovery amount.

2. Your Documents and Information

You may upload policy documents, estimates, photos, correspondence, and other claim-related files, and may submit a recorded or written account of your loss ("Your Content"). By submitting Your Content, you represent that you have the right to share it and that it is accurate to the best of your knowledge.

Your Content is used to generate the AI Analysis and, if you engage a paid service, to perform that service. We do not sell Your Content to third parties. Uploaded documents are stored so you and our team can access them in connection with your claim; you may request deletion by contacting us.

3. Paid Services

We separately offer paid services performed by a human expert, which may include claim analysis, full estimate comparison, supplement suggestions, appraisal representation, public adjusting services, or a referral to independent legal counsel. Pricing, scope, and payment terms (flat fee, contingency, or expenses) will be disclosed to you before you're charged or before any contingency agreement is signed. A separate engagement agreement, required by Texas law for public adjuster contracts, governs any public-adjusting services and controls over these Terms for that engagement.

4. Referrals to Attorneys and Other Professionals

We may refer you to independent, third-party law firms or other professionals who advertise or participate in our Service. If you engage a referred attorney or firm:

• Your relationship and any attorney/client relationship is solely with that independent firm, not with Your Desk Adjuster.
• We do not control, supervise, or guarantee the work of any referred professional.
• Referral disclosure: Your Desk Adjuster may receive a fee, referral payment, or other compensation from a professional or firm we refer you to. This does not increase any fee you are charged by that firm.

5. Release of Liability

To the fullest extent permitted by law, you release and agree not to bring any claim against Your Desk Adjuster, its owners, employees, and affiliates arising from your reliance on the free AI Analysis. You acknowledge that any decision you make based on the AI Analysis — including whether to file, pursue, or abandon a claim — is made at your own discretion and risk.

6. Limitation of Liability

To the fullest extent permitted by law, Your Desk Adjuster's total liability arising out of or relating to the free Service will not exceed $100. In no event will we be liable for indirect, incidental, or consequential damages, including lost claim proceeds, arising from use of the free AI Analysis.

7. Indemnification

You agree to indemnify and hold harmless Your Desk Adjuster from any third-party claim arising from Your Content, your breach of these Terms, or your misuse of the Service.

8. Dispute Resolution

These Terms are governed by the laws of the State of Texas, without regard to conflict-of-law rules. Any dispute arising from these Terms or the Service will be resolved exclusively in the state or federal courts located in Texas, and you consent to personal jurisdiction there.

[Placeholder: if you'd prefer binding arbitration instead of court, an attorney should draft an enforceable arbitration clause here — requirements vary by state and by whether the user is a consumer.]

9. Changes to These Terms

We may update these Terms from time to time. Continued use of the Service after changes take effect constitutes acceptance of the revised Terms.

10. Contact

Questions about these Terms can be sent to info@yourdeskadjuster.com.