Terms of Use

Agreement to These Terms

These Terms of Use (“Terms”) govern your access to and use of the HighgroundClaims website, mobile application, and related services (together, the “Service”). By creating an account, joining the waitlist, or otherwise using the Service, you agree to be bound by these Terms. If you do not agree, do not use the Service.

What HighgroundClaims Is (and Is Not)

HighgroundClaims is a self-service educational and organizational tool for homeowners navigating insurance claims. It helps you gather, organize, and keep track of your own claim information.

HighgroundClaims is not a law firm, insurance company, or licensed public adjusting firm, and is not affiliated with any of them. We do not provide legal advice, insurance advice, or public-adjusting services. We do not negotiate claims, recommend specific actions, value your claim, or act on your behalf. Nothing in the Service creates an attorney-client, adjuster-client, or fiduciary relationship. The information we provide is general in nature and intended for educational purposes only. For advice specific to your claim, consult a licensed attorney or public adjuster.

Your Claim, Your Decisions

You are solely responsible for the decisions you make about your insurance claim and for any communications you send or actions you take. The Service organizes information and surfaces general educational context; it does not tell you what to do. You should independently verify deadlines, figures, and any statutory information, and seek professional advice where appropriate. Your reliance on any information provided through the Service is at your own risk.

Your Records and Their Accuracy

Everything in your claim record is entered by you. We store, organise and display it. We do not verify it, endorse it, or vouch for it, and we are not a party to your claim or to any statement you make to an insurer, adjuster, contractor or regulator. You are responsible for the accuracy of what you enter and of anything you export or share.

Dates you set yourself. Photographs are often taken long before they are uploaded, and uploaded long after the condition they show. Where a file carries its own capture date, we read it and label it as coming from the file. Where it does not, you may state when the condition shown was the actual state of the property — and we record that the date was set by you, keeping any original file metadata alongside it. The record always distinguishes what was measured from what was stated.

The same applies to communications you forward in. We read the date from the message where it carries one, and label it as read from the message; where it was reconstructed from a forwarded copy we label it that way instead, because it is weaker. You may correct that date and reassign a message to a different party. When you correct a date we record that the date came from you rather than from the message. Reassigning a party is not yet marked that way: the record shows the party you set, not that you were the one who set it. In both cases the original message and its own date header are retained unchanged and appear in your export alongside your correction — correcting the record annotates the original, it does not overwrite it.

Misrepresenting the condition, cause, timing or extent of damage to an insurer may constitute insurance fraud and carries civil and criminal consequences. That responsibility is yours alone. The Service must not be used to fabricate, backdate or misstate a record, and we may suspend accounts we believe are being used that way.

No warranty of admissibility. Nothing in the Service is represented to be admissible, sufficient, persuasive or complete in any claim, appraisal, complaint, arbitration or legal proceeding. The Service is a record-keeping tool. It is not legal, insurance or public-adjusting advice, it does not value your claim, and it does not act or communicate on your behalf.

Acceptable Use

You agree that you will not:

• -Use the Service for any unlawful purpose or in violation of these Terms
• -Upload content you do not have the right to share, or that infringes the rights of others
• -Attempt to reverse-engineer, disrupt, or gain unauthorized access to the Service or its systems
• -Represent that HighgroundClaims is acting as your legal counsel, insurer, or public adjuster

You are responsible for maintaining the security of your account credentials and for all activity that occurs under your account.

Subscriptions & Billing

Paid access to HighgroundClaims is offered as an auto-renewing subscription. There is no free trial. Key terms:

• -Billing via Apple. Subscriptions are purchased and billed through Apple In-App Purchase and managed through your Apple App Store account. Payment is charged to your Apple ID at confirmation of purchase, and the subscription renews automatically unless you cancel at least 24 hours before the end of the current period. You can manage or cancel your subscription in your App Store account settings.
• -Founding Member price-lock. Beta Founding Members lock in $39/month for as long as they stay continuously subscribed — your price never goes up while your subscription remains active. New capabilities may be offered as optional add-ons, but Founding Members are never force-migrated off the $39 rate. If your subscription lapses, the price-lock ends.
• -7-day money-back guarantee. If HighgroundClaims is not right for you, you may request a refund within 7 days of your initial purchase. Because billing is handled by Apple, refunds are processed through Apple; we will support your request. Email nick@highgroundclaims.com and we will help.

Data & Privacy

Your use of the Service is also governed by our Privacy Notice, which explains what we collect, how we use it, and your rights under the Colorado Privacy Act. If you are a Colorado resident, you have the right to access, delete, and correct your personal data and to opt out of any sale of personal data. To request deletion of your data, email privacy@highgroundclaims.com with the email address associated with your account, and we will confirm deletion within 45 days.

License to Use the App

The HighgroundClaims mobile application is licensed to you, not sold. Subject to these Terms, we grant you a limited, personal, non-exclusive, non-transferable, revocable license to install and use the app on Apple-branded devices that you own or control, for your own personal, non-commercial use. You retain ownership of the content you provide; we retain all rights in the Service, its software, and its content. For apps obtained through the Apple App Store, Apple's standard Licensed Application End User License Agreement (EULA) also applies, and to the extent it conflicts with these Terms for those elements, the Apple standard EULA governs. You acknowledge that Apple is not responsible for the Service and is a third-party beneficiary of these Terms entitled to enforce them against you.

Educational Information — Provided “As Is”

The Service and all information in it are provided on an “as is” and “as available” basis, for general educational purposes, without warranties of any kind, whether express or implied, including any implied warranties of merchantability, fitness for a particular purpose, accuracy, or non-infringement. We do not warrant that the Service will be uninterrupted, error-free, or that any information (including deadlines or statutory references) is complete, current, or applicable to your situation.

Limitation of Liability

To the fullest extent permitted by law, HighgroundClaims and its operators will not be liable for any indirect, incidental, special, consequential, or punitive damages, or for any loss of claim value, benefits, profits, data, or goodwill, arising out of or related to your use of (or inability to use) the Service, even if advised of the possibility of such damages. Our total liability for any claim relating to the Service will not exceed the amount you paid us for the Service in the twelve months before the event giving rise to the claim. Some jurisdictions do not allow certain limitations, so some of the above may not apply to you.

Changes to These Terms

We may update these Terms from time to time. When we do, we will revise the “Last updated” date above. Material changes will be communicated where practical. Your continued use of the Service after changes take effect constitutes acceptance of the revised Terms.

Governing Law

These Terms are governed by the laws of the State of Colorado, without regard to its conflict-of-laws rules. This does not limit any statutory rights that apply to you as a consumer or that cannot be waived under applicable law.

Contact

Questions about these Terms? Email nick@highgroundclaims.com.