Terms of Service

ClaimGap is an informational analysis tool. It uses AI to compare your insurance policy document against a settlement offer, identify potential coverage gaps, and generate a draft counter-offer letter for your review.

The product may be used with common personal-lines claims (for example auto, homeowners, and health benefit disputes). In the United States, insurance is regulated primarily at the state level; health coverage can also involve federal rules. ClaimGap does not sell insurance or perform services that require an insurance producer license, public adjuster license, or legal licensure.

The current price for a full analysis is $149 USD, charged as a one-time payment at the time of purchase. No subscription is created.

Satisfaction guarantee: If the full report identifies no material underpayment gap in your claim, you are entitled to a full refund. Email [email protected] within 30 days of purchase with your claim ID. We will review and process eligible refunds within 5 business days.

Refunds are not available for reports where an underpayment gap was identified, regardless of whether you ultimately recover additional funds from your insurer. Recovery outcomes depend entirely on your negotiations with your insurer.

All payments are processed by Stripe. ClaimGap does not store your payment card details.

Our AI analysis is based solely on the documents you upload. The quality and completeness of your policy PDF and settlement letter directly affect the accuracy of the output.

ClaimGap AI is instructed to reference only text present in your uploaded documents. However, AI systems can make errors, misinterpret ambiguous policy language, or fail to identify all relevant clauses. You should independently verify any specific policy language or dollar amounts cited in the report.

The probability score and gap estimates are illustrative and should not be treated as a guarantee of recovery. Actual outcomes depend on your insurer, state law, and negotiation strategy.

You agree to use ClaimGap only for lawful purposes and only with:

• Insurance policy documents to which you are a named insured or authorized representative
• Settlement letters or explanation-of-benefits documents issued to you

You may not use ClaimGap to analyze documents belonging to other parties without their written authorization, to generate fraudulent counter-offer letters, or for any purpose that violates applicable law.

Document deletion: Your uploaded PDF files (policy and settlement letter) are stored in encrypted form solely for the purpose of AI analysis. They are permanently deleted from our servers within 24 hours of upload, regardless of whether you complete payment.

Analysis results: The structured analysis output (gap estimates, counter-offer letter text, etc.) is retained in our database to enable you to access your report and to improve our aggregate analysis models over time. This data is anonymized before any aggregation.

Aggregated and anonymized data: We may compile, aggregate, and de-identify claim metadata (insurer name, state, claim type, settlement amount ranges, underpayment patterns) to produce statistical insights about insurance market practices. This aggregated, de-identified data does not include your name, email address, or any other personal identifier, and cannot reasonably be used to identify you. We may share or license such aggregated data with third-party business partners, research organizations, or industry participants. We will never sell your personal data.

Your email address is retained to deliver your report and optional outcome follow-up emails. It is never sold to third parties. See our Privacy Policy for full details.

To the maximum extent permitted by law, ClaimGap and GlobalDeal Inc. are not liable for:

• Any failure to recover additional insurance funds
• Decisions made by you or your insurer based on the analysis
• Inaccuracies in the AI analysis resulting from incomplete or ambiguous documents
• Any consequential, indirect, or punitive damages arising from use of this service

Our maximum aggregate liability to you for any claim arising from your use of ClaimGap shall not exceed the amount you paid for the specific analysis at issue ($149).