Legal

Terms of Service

Last updated: September 1, 2025

1) Agreement to Terms

These Terms of Service (“Terms”) are a binding agreement between you and CityClaim (“CityClaim,” “we,” “us,” or “our”) that governs your use of our websites, forms, communications, and related services (collectively, the “Services”). By accessing or using the Services, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy. If you do not agree, do not use the Services.

2) Who We Are (No Legal Advice; No Public Adjusting)

• Administrative service. CityClaim provides intake, document preparation, form completion, packaging, submission facilitation, deadline tracking, and status follow-up for claims to cities, agencies, utilities, contractors, and insurers.
• Not legal services. We are not a law firm, we do not provide legal advice or legal representation, and no attorney-client relationship is formed by using the Services.
• Not public insurance adjusters. We do not interpret policy coverage, determine claim values, or negotiate settlements as an adjuster. Where such activities are required or advisable, you must engage a licensed public adjuster and/or licensed attorney. We can facilitate referrals at your request and only with your approval.

3) Eligibility; Accounts; Authority

• You must be at least 18 or the age of majority in your jurisdiction to use the Services, or have documented consent from a parent/guardian who is the customer of record.
• If you use the Services on behalf of a company or another person, you represent that you have full authority to bind that entity/person to these Terms.
• You are responsible for safeguarding any credentials and for all activity under your account.

4) Your Authorization to Act

By submitting a claim, you grant CityClaim a limited, revocable agency to: (a) prepare, complete, and submit claim materials using information you provide; (b) communicate with relevant agencies/insurers/vendors about your claim; (c) transmit and receive documents and status updates; and (d) where permitted by the payor and applicable law, receive claim proceeds on your behalf for the sole purpose of disbursing funds to you after deducting our authorized fee.

5) Scope of the Services

• Collecting and organizing your information, receipts, photos, and other materials you provide;
• Selecting forms and creating a claim packet; filing via portals, email, mail, or in-person delivery as accepted by the recipient;
• Tracking deadlines and following up based on recipient responses;
• Optional add-ons you pre-approve (printing/mailing, records requests, inspections, notary, couriers, etc.).

Important: Any legal analysis, policy interpretation, negotiation of settlement terms, or representation in court/adjusting is performed only by licensed professionals under a separate agreement with you.

6) Your Responsibilities

• You are solely responsible for the accuracy, completeness, and legality of the information and documents you provide.
• You agree to promptly respond to our requests and review/approve documents before submission.
• You agree not to submit fraudulent, misleading, or fabricated information or evidence.

7) Fees, Payment Direction & Disbursement

No-win, no-fee. For consumer claims, if you receive no payout, you owe no success fee. If you receive money, you agree to pay a success fee of 15% of the amount you receive (minimum $30), plus any optional pass-through costs you pre-approved.

7.1 Payment Direction

Where permitted, you authorize CityClaim as your limited agent to direct agencies/insurers to send claim proceeds to CityClaim for disbursement. You authorize CityClaim to deduct the success fee first and then remit the balance to you via check, ACH, or Zelle to the payout details you provide.

7.2 If Proceeds Are Sent Directly to You

If a payor sends funds to you directly, you agree to remit the success fee to CityClaim within 10 calendar days of your receipt. You authorize us to issue an electronic invoice and, where you provide bank details, to initiate an ACH debit for the owed fee. You agree to reimburse reasonable collection costs (including attorneys’ fees) for unpaid amounts.

7.3 Fee Calculation; Multiple Payors

The success fee is calculated on the gross amount you actually receive in connection with the claim (excluding amounts expressly designated as interest, statutory fees, or third-party reimbursements that cannot legally be used to calculate contingent fees). If there are multiple disbursements or payors, fees apply per disbursement tied to the same claim.

7.4 Chargebacks

You agree not to initiate payment chargebacks for authorized fees. If you dispute an amount, follow the process in Section 7.5.

7.5 Fee Disputes

Notify [email protected] within 10 days of the invoice/disbursement notice. Provide documentation. Absent timely dispute, our records are deemed correct.

8) No Guarantee; Timelines

We make no promises or guarantees regarding eligibility, timing, or outcomes. Decisions are made solely by third-party agencies/insurers/contractors. Any estimates are illustrative only.

9) Communications; E-Signature

You consent to receive emails, texts, calls, and electronic records from CityClaim and to sign documents electronically. Electronic signatures/records have the same force as originals to the fullest extent permitted by law.

10) Privacy & Data

We process personal data as described in our Privacy Policy. You grant us a limited license to store, process, and transmit your content solely to provide the Services, comply with law, and protect rights and safety. We may use service providers (hosting, e-signature, payments, mail/courier, analytics) bound by contractual restrictions.

11) Third-Party Services & Referrals

Certain Services rely on third-party tools and vendors. We are not responsible for their acts/omissions and do not warrant their services. Where you request legal or adjusting help, any attorney/public adjuster will provide you their own engagement terms; CityClaim is not party to that agreement.

12) Prohibited Uses

• Submitting fraudulent claims or forged documents;
• Harassing personnel or abusing systems;
• Interfering with security or integrity of the Services;
• Reverse engineering, scraping, or unauthorized automation.

13) Intellectual Property

All CityClaim trademarks, content, and software are owned by CityClaim or its licensors and are protected by law. You may not copy, modify, or create derivative works without written permission.

14) Disclaimers

AS IS. THE SERVICES ARE PROVIDED “AS IS” AND “AS AVAILABLE,” WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, ACCURACY, OR AVAILABILITY.

15) Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, CITYCLAIM WILL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR LOST PROFITS, DATA, OR GOODWILL. OUR AGGREGATE LIABILITY FOR ANY CLAIM RELATED TO THE SERVICES WILL NOT EXCEED THE GREATER OF (A) THE TOTAL FEES YOU PAID TO CITYCLAIM FOR THE CLAIM AT ISSUE, OR (B) $100.

16) Indemnification

You agree to defend, indemnify, and hold harmless CityClaim and its officers, directors, employees, contractors, and agents from any claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys’ fees) arising from: (a) your content or information; (b) your breach of these Terms; (c) your violation of law or third-party rights; or (d) your misuse of the Services.

17) Suspension & Termination

We may suspend or terminate access if we reasonably suspect fraud, abuse, non-cooperation, non-payment, or legal risk. Upon termination, provisions that by nature should survive will survive (including fees owed, disclaimers, limitations, indemnities, dispute resolution, and privacy obligations).

18) Force Majeure

We are not liable for delays or failures caused by events beyond our reasonable control, including disasters, outages, labor disputes, acts of government, or network failures.

19) Assignment

You may not assign these Terms without our written consent. We may assign these Terms in connection with a merger, acquisition, financing, or sale of assets.

20) Changes to Terms

We may update these Terms by posting a revised version with a new “Last updated” date. Continued use of the Services after the effective date constitutes acceptance of the updated Terms.

21) Dispute Resolution; Arbitration; Class-Action Waiver

• Informal resolution. Contact [email protected] within 30 days of the event. We’ll try to resolve informally.
• Binding arbitration. If not resolved, disputes will be settled by individual, binding arbitration administered by a reputable provider (e.g., AAA Consumer Rules) in Tarrant County, Texas. The arbitrator may award individual relief permitted by law but may not consolidate claims or preside over any class/representative proceeding.
• Class/jury waiver. You and CityClaim waive class actions and jury trials.
• Small-claims option. Either party may bring an individual action in a court of competent jurisdiction in Tarrant County small-claims court.

22) Governing Law; Venue

These Terms are governed by the laws of the State of Texas, without regard to conflict-of-laws rules. Subject to arbitration, exclusive venue lies in courts located in Tarrant County, Texas.

23) Severability; Entire Agreement; No Waiver

If any provision is found unenforceable, the remainder remains in effect. These Terms and the documents referenced herein constitute the entire agreement and supersede prior understandings. Failure to enforce a provision is not a waiver.

24) Notices

CityClaim legal notices: [email protected]. Billing: [email protected]. Support: [email protected].