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Terms & Conditions

Last updated: March 17, 2026

These Terms & Conditions (“Terms”) govern your access to and use of the ClaimLeak platform, website, and services (collectively, the “Service”) operated by 98 Holdings (“we,” “us,” or “our”). By creating an account or using the Service, you agree to be bound by these Terms. If you do not agree, do not use the Service.

1. Overview of the Service

ClaimLeak is a software-as-a-service (SaaS) platform that assists restoration contractors, public adjusters, roofing professionals, and supplement writing services with insurance claim analysis. The Service includes document parsing, estimate comparison, AI-powered scope analysis, building code intelligence, supplement letter generation, and contractor RFP generation.

2. Eligibility

You must be at least 18 years old and have the legal authority to enter into these Terms. If you are using the Service on behalf of a company or organization, you represent that you have the authority to bind that entity to these Terms.

3. Account Registration

  • You must provide accurate and complete information when creating an account.
  • You are responsible for maintaining the confidentiality of your login credentials.
  • You are responsible for all activity that occurs under your account.
  • You must notify us immediately at sales@claimleak.com if you suspect unauthorized access to your account.
  • We reserve the right to suspend or terminate accounts that violate these Terms.

4. Subscription Plans and Billing

4.1 Plans

The Service is offered under multiple subscription tiers: Free, Starter ($99/month), Growth ($299/month), Professional ($499/month), and Enterprise (custom pricing). Each plan has different feature limits, claim allowances, and team member limits as described on our Pricing page.

4.2 Billing

  • Paid subscriptions are billed monthly in advance through Stripe.
  • All fees are stated in U.S. dollars and are non-refundable unless otherwise required by law.
  • You authorize us to charge your selected payment method for recurring subscription fees.
  • If a payment fails, your subscription status will change to “Past Due.” You must update your payment method to restore full access.

4.3 Cancellation

  • You may cancel your subscription at any time through the billing portal in your Settings.
  • Upon cancellation, your account reverts to the Free tier at the end of the current billing period.
  • Existing claims and data remain accessible on the Free tier, but access to paid features is removed.
  • No prorated refunds are provided for partial billing periods.

4.4 Plan Changes

  • You may upgrade your plan at any time. Upgrades take effect immediately.
  • Additional team member seats on the Professional plan cost $59.99 per seat per month.
  • We reserve the right to modify pricing with 30 days' notice. Existing subscribers will be notified before any price changes take effect on their next billing cycle.

5. Acceptable Use

You agree not to:

  • Use the Service for any unlawful purpose or in violation of any applicable laws or regulations.
  • Upload or transmit any malicious code, viruses, or harmful content.
  • Attempt to gain unauthorized access to the Service, other accounts, or our systems.
  • Reverse engineer, decompile, or disassemble any part of the Service.
  • Use the Service to generate fraudulent, misleading, or deceptive insurance claims or supplement requests.
  • Resell, redistribute, or sublicense access to the Service without our prior written consent.
  • Scrape, crawl, or use automated tools to extract data from the Service.
  • Interfere with the operation or performance of the Service.
  • Upload documents containing content that is illegal, defamatory, or that you do not have the right to share.

6. Your Content and Data

6.1 Ownership

You retain ownership of all documents, data, and content you upload to the Service (“Your Content”). By uploading content, you grant us a limited, non-exclusive license to process, store, and analyze Your Content solely for the purpose of providing the Service to you.

6.2 Responsibility

You are solely responsible for the accuracy, legality, and appropriateness of Your Content. You represent that you have the right to upload and process all documents you submit to the Service.

6.3 Generated Outputs

Supplement letters, discrepancy analyses, scope gap reports, contractor RFPs, code intelligence reports, and other outputs generated by the Service (“Generated Outputs”) are provided to you for your use. You may use Generated Outputs in connection with insurance claims, communications with carriers, and contractor procurement. However, you are solely responsible for reviewing and verifying the accuracy of all Generated Outputs before use.

7. Organization and Team Use

  • The account holder who creates an organization is the “Owner” and has full administrative control.
  • The Owner may invite additional team members with assigned roles (Admin, Manager, Member, Billing Admin, Read Only).
  • The Owner is responsible for managing role permissions and ensuring team members comply with these Terms.
  • All activity by team members within the organization is the responsibility of the organization Owner.
  • Team invitations expire after 7 days.

8. AI-Powered Analysis Disclaimer

The Service uses artificial intelligence to parse documents, compare estimates, detect scope gaps, analyze building codes, and generate supplement letters. You acknowledge and agree that:

  • AI outputs are informational tools, not professional advice. Generated Outputs should not be relied upon as legal, insurance, construction, or financial advice.
  • Accuracy is not guaranteed. While we strive for accuracy, AI-generated analysis may contain errors, omissions, or inaccuracies. You are responsible for reviewing and verifying all outputs before submitting them to insurance carriers, contractors, or other parties.
  • Building code references are informational. Code Intelligence provides building code citations for reference purposes. Actual code requirements vary by jurisdiction, adoption year, and local amendments. You should consult with a licensed professional to confirm applicable code requirements for your specific project.
  • Supplement values are estimates. Dollar amounts, gap values, and supplement calculations are estimates based on the data you provide and may not reflect actual recoverable amounts.
  • No guarantee of claim outcomes. Use of the Service does not guarantee any particular outcome with insurance carriers, including supplement approvals or payment amounts.

9. Intellectual Property

  • The Service, including its design, code, features, algorithms, branding, and documentation, is owned by 98 Holdings and is protected by intellectual property laws.
  • You may not copy, modify, distribute, or create derivative works based on the Service.
  • The ClaimLeak name, logo, and branding are trademarks of 98 Holdings. You may not use our trademarks without prior written permission.
  • We do not claim ownership of Your Content. The limited license you grant us is solely to operate the Service on your behalf.

10. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW:

  • THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.
  • WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, OR COMPLETELY SECURE.
  • IN NO EVENT SHALL 98 HOLDINGS, ITS OFFICERS, DIRECTORS, EMPLOYEES, OR AGENTS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING LOSS OF PROFITS, DATA, OR BUSINESS OPPORTUNITIES, ARISING FROM YOUR USE OF THE SERVICE.
  • OUR TOTAL LIABILITY FOR ANY CLAIM RELATED TO THE SERVICE SHALL NOT EXCEED THE AMOUNT YOU PAID TO US IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM.

11. Indemnification

You agree to indemnify, defend, and hold harmless 98 Holdings and its officers, directors, employees, and agents from any claims, liabilities, damages, losses, and expenses (including reasonable legal fees) arising from:

  • Your use of the Service.
  • Your violation of these Terms.
  • Your Content or your use of Generated Outputs.
  • Any claim that your use of the Service infringes the rights of a third party.
  • Any fraudulent, misleading, or improper use of Generated Outputs in insurance or legal proceedings.

12. Service Availability and Modifications

  • We may modify, update, or discontinue features of the Service at any time.
  • We will make reasonable efforts to notify you of material changes that affect your use of the Service.
  • We may perform scheduled maintenance that temporarily affects availability.
  • We do not guarantee any specific uptime or availability level unless separately agreed in an Enterprise agreement.

13. Termination

  • You may terminate your account at any time by contacting us at sales@claimleak.com.
  • We may suspend or terminate your account if you violate these Terms, engage in fraudulent activity, or fail to pay subscription fees.
  • Upon termination, your right to access the Service ceases. We may retain Your Content for a reasonable period to allow data export, after which it may be deleted.
  • Sections related to intellectual property, limitation of liability, indemnification, and governing law survive termination.

14. Dispute Resolution

  • These Terms are governed by and construed in accordance with the laws of the State of Delaware, United States, without regard to conflict of law principles.
  • Any disputes arising from these Terms or the Service shall first be attempted to be resolved through good-faith negotiation.
  • If negotiation is unsuccessful, disputes shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association (AAA), conducted in the State of Delaware.
  • You agree to waive any right to participate in a class action lawsuit or class-wide arbitration.

15. Third-Party Services

The Service integrates with third-party services including Stripe (payments), Supabase (database and storage), Anthropic/Claude (AI processing), PostHog (analytics), and Crisp (live chat). Your use of these third-party services is subject to their respective terms of service and privacy policies. We are not responsible for the practices of third-party service providers.

16. Export and Data Portability

You can export your data from the Service at any time through the available export features (supplement letters as .docx, discrepancy data as .xlsx or .csv, contractor RFPs as .docx, and original uploaded documents). If you need additional data export assistance, contact us at sales@claimleak.com.

17. Changes to These Terms

We may update these Terms from time to time. We will notify you of material changes by posting the updated Terms on this page and updating the “Last updated” date. For significant changes, we may also notify you via email. Your continued use of the Service after the effective date of revised Terms constitutes your acceptance of the changes.

18. Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions shall remain in full force and effect.

19. Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and 98 Holdings regarding your use of the Service and supersede all prior agreements and understandings.

20. Contact Us

If you have questions about these Terms, contact us at:

See also: Privacy Policy