Terms of Service

These Terms of Service ("Agreement") constitute a legally binding contract between you ("User," "Contractor," or "you") and Independent Adjuster Solutions LLC, doing business as IA Solutions ("Company," "we," "us," or "our"), governing your access to and use of the IA Solutions platform, tools, and services available at iasolutions.claims (the "Platform").

BY CREATING AN ACCOUNT, ACCESSING, OR USING THE PLATFORM, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTOOD, AND AGREE TO BE BOUND BY THIS AGREEMENT IN ITS ENTIRETY. IF YOU DO NOT AGREE TO THESE TERMS, YOU MAY NOT ACCESS OR USE THE PLATFORM.

1. ACCEPTANCE OF TERMS

By clicking "I agree" or "Create Account," or by accessing or using the Platform in any manner, you represent and warrant that you are at least 18 years of age, have the legal capacity to enter into this Agreement, and accept and agree to be bound by these Terms of Service. If you are accessing the Platform on behalf of a business entity, you represent and warrant that you have the authority to bind that entity to this Agreement.

2. ACCOUNT REGISTRATION AND SECURITY

2.1 Account Creation

To access certain features of the Platform, you must register for an account and provide accurate, current, and complete information. You agree to update your information promptly to keep it accurate and complete.

2.2 Single-User License

Each account is licensed for use by a single individual only. You may not share your login credentials, grant access to your account, or permit any other person to access or use the Platform through your account. Each individual who requires access to the Platform must create their own account and accept these Terms of Service independently. Violation of this provision constitutes grounds for immediate account termination without notice or refund.

2.3 Account Security

You are solely responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account. You agree to notify us immediately of any unauthorized access to or use of your account.

2.4 Customer-Only Access

The Platform is provided exclusively for use by current customers of IA Solutions. Accounts are subject to approval at the sole discretion of IA Solutions. We reserve the right to deny, suspend, or terminate any account for any reason, including but not limited to suspected misuse, unauthorized sharing, or use by non-customers.

3. INTELLECTUAL PROPERTY RIGHTS

3.1 Company Intellectual Property

The Platform, including all software, code, algorithms, designs, interfaces, text, graphics, logos, icons, images, data compilations, methodologies, processes, tools, templates, and all other content and materials provided by IA Solutions (collectively, "Company IP"), are the exclusive property of IA Solutions and are protected by copyright, trademark, patent, trade secret, and other intellectual property laws. Nothing in this Agreement grants you any right, title, or interest in the Company IP except the limited right to use the Platform as expressly set forth herein.

3.2 License Grant to User

Subject to your compliance with this Agreement, IA Solutions grants you a limited, non-exclusive, non-transferable, non-sublicensable, revocable license to access and use the Platform solely for your internal business purposes in connection with insurance claim supplementation and related services provided by IA Solutions.

3.3 User Content and Data — License Grant to IA Solutions

By submitting, uploading, entering, or otherwise providing any content, data, information, documents, images, photographs, estimates, reports, claim information, company information, logos, branding materials, or any other materials to or through the Platform (collectively, "User Content"), you hereby grant IA Solutions a worldwide, perpetual, irrevocable, royalty-free, fully paid-up, non-exclusive, transferable, and sublicensable license to use, reproduce, modify, adapt, publish, translate, create derivative works from, distribute, display, and otherwise exploit such User Content for any purpose, including but not limited to:

• Providing, improving, and enhancing the Platform and our services;
• Developing new products, services, features, and functionality;
• Training, testing, and improving artificial intelligence, machine learning models, and automated systems;
• Generating analytics, insights, reports, benchmarks, and aggregated or de-identified datasets;
• Marketing, advertising, and promotional purposes (in aggregated or anonymized form);
• Complying with legal obligations and enforcing this Agreement.

3.4 Representations Regarding User Content

You represent and warrant that: (a) you own or have all necessary rights, licenses, consents, and permissions to provide the User Content and to grant the license set forth in Section 3.3; (b) the User Content does not infringe, misappropriate, or violate any third party's intellectual property rights, privacy rights, or other rights; and (c) you are solely responsible for the accuracy and legality of all User Content.

3.5 No Obligation

IA Solutions is under no obligation to use, display, or retain any User Content. We reserve the right to remove or refuse any User Content at our sole discretion.

4. CONFIDENTIALITY AND NON-DISCLOSURE

4.1 Confidential Information

You acknowledge that through your use of the Platform, you may have access to proprietary information, including but not limited to pricing structures, methodologies, processes, algorithms, code compliance data, reference documents, templates, business practices, and customer information of IA Solutions ("Confidential Information").

4.2 Non-Disclosure Obligations

You agree to hold all Confidential Information in strict confidence and not to disclose, publish, distribute, or otherwise make available any Confidential Information to any third party without the prior written consent of IA Solutions. You agree to use Confidential Information solely for the purposes contemplated by this Agreement and not for any competitive or unauthorized purpose.

4.3 Survival

Your obligations under this Section 4 shall survive the termination or expiration of this Agreement and your account indefinitely.

5. PROHIBITED CONDUCT

You agree not to:

1. Share, transfer, sell, or sublicense your account or access credentials to any third party;
2. Allow any person other than the registered account holder to access or use the Platform through your account;
3. Access or use the Platform for the benefit of any party other than yourself or your authorized business entity;
4. Copy, reproduce, distribute, modify, reverse engineer, decompile, or disassemble any portion of the Platform or Company IP;
5. Scrape, harvest, or collect data from the Platform through automated or manual means for purposes not authorized by this Agreement;
6. Use any data, documents, reference materials, code compliance information, or other content obtained through the Platform for the purpose of creating a competing product or service;
7. Circumvent, disable, or interfere with any security, authentication, or access control features of the Platform;
8. Use the Platform in violation of any applicable law, regulation, or industry standard;
9. Misrepresent your identity, affiliation, or authority when creating an account or using the Platform;
10. Use the Platform to transmit malware, viruses, or other harmful code.

6. PAYMENT AND FEES

Certain features of the Platform may be subject to fees as described on our pricing page or in a separate service agreement. All fees are non-refundable unless otherwise stated. IA Solutions reserves the right to modify pricing at any time with reasonable notice.

7. DISCLAIMER OF WARRANTIES

THE PLATFORM IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT. IA Solutions does not warrant that the Platform will be uninterrupted, error-free, secure, or free of viruses or other harmful components. IA Solutions makes no representations or warranties regarding the accuracy, completeness, or reliability of any content, data, or information provided through the Platform, including but not limited to building code data, code compliance reports, and reference documents.

8. LIMITATION OF LIABILITY

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL IA SOLUTIONS, ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, OR AFFILIATES BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, REVENUE, DATA, BUSINESS, OR GOODWILL, ARISING OUT OF OR IN CONNECTION WITH THIS AGREEMENT OR YOUR USE OF THE PLATFORM, REGARDLESS OF THE THEORY OF LIABILITY AND EVEN IF IA SOLUTIONS HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

IA Solutions' total aggregate liability arising out of or in connection with this Agreement shall not exceed the total amount paid by you to IA Solutions in the twelve (12) months immediately preceding the event giving rise to the claim.

9. INDEMNIFICATION

You agree to indemnify, defend, and hold harmless IA Solutions and its officers, directors, employees, agents, and affiliates from and against any and all claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys' fees) arising out of or in connection with: (a) your use of the Platform; (b) your User Content; (c) your breach of this Agreement; or (d) your violation of any applicable law or regulation or the rights of any third party.

10. TERMINATION

10.1 Termination by Company

IA Solutions may suspend or terminate your account and access to the Platform at any time, with or without cause, and with or without notice, at its sole discretion. Grounds for termination include but are not limited to: violation of this Agreement, sharing account access, inactivity, non-payment, or any conduct that IA Solutions determines to be harmful to the Platform, other users, or IA Solutions' interests.

10.2 Termination by User

You may terminate your account at any time by contacting us at contact@iasolutions.claims. Termination does not relieve you of any obligations incurred prior to termination.

10.3 Effect of Termination

Upon termination, your right to access and use the Platform immediately ceases. Sections 3 (Intellectual Property), 4 (Confidentiality), 7 (Disclaimer), 8 (Limitation of Liability), 9 (Indemnification), and 12 (Governing Law) shall survive termination.

11. MODIFICATIONS TO TERMS

IA Solutions reserves the right to modify this Agreement at any time. We will notify you of material changes by posting the revised Agreement on the Platform with an updated effective date. Your continued use of the Platform after the effective date of the revised Agreement constitutes your acceptance of the modified terms. If you do not agree to the modified terms, you must discontinue use of the Platform.

12. GOVERNING LAW AND DISPUTE RESOLUTION

12.1 Governing Law

This Agreement shall be governed by and construed in accordance with the laws of the State of Colorado, without regard to its conflict of law principles.

12.2 Dispute Resolution

Any dispute arising out of or relating to this Agreement or the Platform shall first be attempted to be resolved through good-faith negotiation. If the dispute cannot be resolved through negotiation within thirty (30) days, either party may pursue resolution through binding arbitration administered by the American Arbitration Association in accordance with its Commercial Arbitration Rules, with the arbitration to be conducted in the State of Colorado. Judgment on the award rendered by the arbitrator may be entered in any court having jurisdiction thereof.

12.3 Class Action Waiver

YOU AGREE THAT ANY DISPUTE RESOLUTION PROCEEDINGS WILL BE CONDUCTED ONLY ON AN INDIVIDUAL BASIS AND NOT IN A CLASS, CONSOLIDATED, OR REPRESENTATIVE ACTION.

13. GENERAL PROVISIONS

13.1 Entire Agreement

This Agreement, together with any separate service agreements between you and IA Solutions, constitutes the entire agreement between you and IA Solutions concerning the subject matter herein and supersedes all prior agreements, understandings, negotiations, and discussions, whether oral or written.

13.2 Severability

If any provision of this Agreement is held to be invalid, illegal, or unenforceable, the remaining provisions shall continue in full force and effect. The invalid provision shall be modified to the minimum extent necessary to make it valid and enforceable while preserving its original intent.

13.3 Waiver

The failure of IA Solutions to enforce any right or provision of this Agreement shall not constitute a waiver of such right or provision.

13.4 Assignment

You may not assign or transfer this Agreement or your account without the prior written consent of IA Solutions. IA Solutions may assign this Agreement without restriction.

13.5 Force Majeure

IA Solutions shall not be liable for any failure or delay in performance resulting from causes beyond its reasonable control, including but not limited to acts of God, natural disasters, war, terrorism, riots, embargoes, acts of civil or military authority, fire, floods, accidents, epidemics, strikes, or shortages of transportation, facilities, fuel, energy, labor, or materials.

14. CONTACT INFORMATION

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

Independent Adjuster Solutions LLC
Email: contact@iasolutions.claims
Phone: (850) 600-1212