Terms of Service

1. Platform Scope & Purpose

Claim Hive is engineered specifically as a Business-to-Business (B2B) operational system for licensed Public Insurance Adjusters, their apprentices, estimators, and administrative staff representing property owners in commercial and residential property insurance claims.

2. Subscription Pricing & Founding Member Guarantee

We believe in honest, predictable billing without hidden traps:

• Flat Fee: The subscription fee is exactly $80 per month per active internal seat.
• Zero Per-Claim Tolls: There are no transaction fees, per-file intake surcharges, or upload fees regardless of file volume.
• Zero Fee Haircuts: Claim Hive will NEVER take a percentage, split, or contingent share of your settlement fee. Your adjusting fee belongs 100% to you and your firm.
• The Founding Price Lock: Firms accepted into our Founding Member cohorts (Alpha and January 2027) have their $80/seat monthly rate legally locked through June 30, 2027, provided their account remains in active standing.

3. Free Access for Policyholders & External Specialists

Your clients (policyholders and property owners) and external collaborators (licensed engineers, forensic accountants, moisture mapping technicians, and co-counsel) are provided with free, unlimited guest portal access to review scopes, upload causation reports, and track milestones. We will never charge your clients or prompt them for payment information.

4. Complete Work Product Ownership & Privilege

Claim Hive acts solely as an encrypted data bailee. We claim zero ownership over your files and will never use them to train commercial AI models or license them to insurers. You maintain the right to export all files in standard formats (PDF, JPG, CSV) at any time.

5. Fair Cancellation & Refund Policy

You may cancel your subscription at any time directly through the firm settings dashboard without calling a retention specialist. Upon cancellation, your access remains active until the end of your current paid billing cycle. If you are dissatisfied during your first 30 days of membership, contact us and we will promptly refund your initial month's seat fee in full.

6. Professional Judgment & Regulatory Compliance

Claim Hive is an administrative operating platform, document organizer, and drafting assistant. Claim Hive does not practice insurance adjusting or provide legal advice. The licensed Public Adjuster remains solely responsible for verifying the accuracy of all Proof of Loss filings, statutory demand notices, estimates, policy interpretation, and compliance with applicable state insurance departments and licensure statutes.

7. Service Availability & Catastrophe Resilience

We understand that during hurricane landings, winter freezes, and severe convective storms, your systems cannot go down. We target a 99.9% uptime service level agreement (excluding scheduled maintenance announced at least 48 hours in advance). In the event of a declared national catastrophe, our engineering team maintains dedicated 24/7 escalation monitoring to ensure field adjusters have uninterrupted mobile sync.

8. Governing Law & Dispute Resolution

These Terms are governed by and construed under the laws of the State of Florida, without regard to its conflict of law principles. In the unlikely event of any disagreement, both parties agree to first engage in good-faith informal mediation with our founding team before pursuing formal dispute resolution.