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.

Consumer pricing is flat fee, one-time, no subscription. Insurance disputes are $49 USD. Subscription auto-renewal chargeback letters are $19 USD. Security deposit and FDCPA debt-collection letters are $29 USD. Warranty / lemon-law demand letters are $39 USD. Each fee is charged at the time of purchase for that specific case. No recurring charges, no auto-renewal, no future billing. Attorneys are billed separately under the attorney-tier pricing detailed at /attorneys.

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.

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

Extracted document text: The text extracted from your documents (machine-readable content parsed from your PDFs) is retained as part of your claim record to enable re-analysis and report verification. This extracted text is stored encrypted and deleted upon request. See our Privacy Policy for full details.

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, issue-type frequency, underpayment patterns, outcome patterns) to produce statistical insights about dispute markets — for example, insurer payout rates by state, collector violation frequency by normalized collector name, warranty denial patterns by manufacturer, or chargeback resistance rates by merchant category. This aggregated, de-identified data does not include your name, email address, postal address, document contents, or any other personal identifier, and cannot reasonably be used to identify you. We may share or license such aggregated data with third-party partners, including but not limited to plaintiff-side law firms, journalists and media organizations, consumer advocacy and tenant-rights organizations, industry research firms, insurers, issuing banks, merchants, and manufacturers. Any such sharing is subject to a cohort-size threshold large enough to prevent re-identification of any individual case. 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.

ClaimGap is a software tool that drafts written demand letters, dispute letters, representment letters, and revocation-of-authorization letters for your review. You review, sign, and send every letter yourself. ClaimGap does not transmit letters to your insurer, your bank, the merchant, your landlord, the collector, the manufacturer, or any other counterparty. ClaimGap does not negotiate on your behalf and does not follow up after a letter is sent.

Counterparty responses are outside our control. Whether a bank issues a chargeback, an insurer increases a settlement, a landlord refunds a deposit, a collector ceases contact, or a manufacturer accepts a warranty demand is at the sole discretion of that counterparty and depends on the facts of your case, applicable law in your state, and the strength of the evidence you submit.

Counter-claims and counterparty actions. When you send a letter that ClaimGap drafts — including (without limitation) a revocation-of-authorization letter to a merchant, a billing-error notice to your bank, a demand letter to a landlord, manufacturer, or insurer, or a debt-validation request to a collector — you are solely responsible for the legal effect of that letter, including any counter-claim, counter-suit, or other action by the counterparty that arises from your sending it. ClaimGap is not a party to any dispute between you and a counterparty.

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

• Any failure of any counterparty to refund, reimburse, settle, or otherwise act on a letter
• Decisions made by you or any counterparty based on the analysis or letter
• Inaccuracies in the AI analysis resulting from incomplete or ambiguous documents
• Counter-claims, counter-suits, collection actions, or other counterparty responses to a letter you send
• Any consequential, indirect, incidental, 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 actually paid us for the specific case from which the claim arises.

Indemnification. To the extent permitted by applicable law in your state of residence, you agree to indemnify and hold harmless ClaimGap and GlobalDeal Inc. from any third-party claim arising from a letter you sent that ClaimGap drafted, including counter-claims by a merchant, landlord, collector, manufacturer, insurer, bank, or other counterparty. This clause does not require you to indemnify ClaimGap for ClaimGap's own gross negligence, willful misconduct, or violation of law.