The deal between us.

Claimoe is owned and operated by Yisrael Gottlieb, an individual sole proprietor doing business as “Claimoe.” Claimoe is not a corporation, LLC, or other registered entity. Throughout these terms, “Claimoe,” “we,” “us,” and “our” refer to that sole proprietorship. You can reach the owner directly at hello@claimoe.ai.

Claimoe is a document-preparation, communication, and workflow coordination tool for property-damage auto accident claims. We help you draft documents, track deadlines, communicate with adjusters, and recover money you may be owed.

Claimoe is not a law firm. We do not provide legal advice. We do not represent you. We do not appear in court for you. Every communication we draft is sent from you, with your approval. You are the named claimant on every document.

You must be 18 or older and a resident of the United States. You agree that you are using Claimoe for a personal auto claim — not a commercial fleet vehicle, not a case currently under attorney representation, and not a case involving criminal liability (e.g., DUI, hit-and-run).

Claimoe offers a free tier and two paid per-case tiers ($20 and $50). Paid tiers are charged once per case. We disclose what each tier unlocks when we ask you to upgrade.

We refund the paid tier in full if our AI makes a material error — a wrong citation, an incorrect calculation, a missed deadline. Submit refund requests to hello@claimoe.ai within 30 days of the error.

Otherwise, paid tiers are non-refundable. If you cancel your case mid-flight, you will not be charged for future tiers, but already paid tiers are not refunded.

We do not cover consequential damages. If an AI mistake leads to a financial loss in your case, we refund what you paid us — we cannot compensate the underlying loss.

When you sign up, you authorize Claimoe to:

• Receive and parse communications sent to your case-proxy email address.
• Draft outbound emails, demand letters, and other documents on your behalf.
• Send those documents only after your explicit approval (one-tap or click).
• Verify your identity at intake by connecting to your insurance carrier (via Canopy) and confirming your phone (via Twilio).
• Compare your offer to market data, including paid valuation services.

You do not authorize us to make legal decisions for you, to accept settlements without your approval, or to share your personal data with third parties without your opt-in.

Some cases need a human professional. If your case crosses our complexity thresholds — total value over $50,000, dispute delta over $15,000, disputed liability, multi-party accidents, or any of the other triggers we publish — we will recommend escalation to a vetted attorney or licensed public adjuster. We may earn a referral fee from the professional network. You always have the choice to engage the professional or to handle the case yourself.

By checking the SMS consent box at signup and providing your mobile number, you agree to receive automated and AI-generated text messages from Claimoe at the number provided about your accident claim. These include account verification codes, case status updates, deadline reminders, and responses to questions you initiate.

Message types. SMS from Claimoe is transactional or conversational only — tied to your active case. We do not send marketing, promotional, affiliate, or third-party content via SMS.

Frequency. Message frequency varies based on case activity. A typical case generates fewer than 10 messages per week; bursts may occur near deadlines or carrier responses.

Charges. Message and data rates may apply depending on your mobile plan. Claimoe does not charge for SMS; any charges come from your wireless carrier.

Opt-out. You can opt out at any time by replying STOP, END, CANCEL, UNSUBSCRIBE, REVOKE, or OPT OUT — or PARE, ALTO, CANCELAR, DETENER in Spanish. You can also opt out by sending any reasonable free-text request; we interpret intent, not just keywords. After opt-out we send one confirmation message, then stop. You can re-subscribe by replying START. Per-campaign opt-out is supported — opting out of one category (e.g., marketing, if you ever enable it) does not affect transactional service messages.

Help. Reply HELP at any time for support. You may also email hello@claimoe.ai or visit our contact page.

Carriers. Carriers (T-Mobile, AT&T, Verizon, and others) are not liable for delayed or undelivered messages. Delivery is not guaranteed. Supported carriers and devices may change without notice.

Consent is not a condition of purchase. You can use Claimoe without enabling SMS — although case-update notifications and deadline reminders are designed to flow primarily through text, so disabling SMS may degrade the experience. Email-only mode is available.

Quiet hours. We do not send SMS between 8 p.m. and 8 a.m. in the recipient's local time zone, except for account verification codes you actively request.

Records. We retain consent records and message logs for five years to comply with applicable law.

After a case closes we may surface offers from third-party partners (auto loans, insurance shopping, GAP, replacement vehicle services). These are clearly labeled Sponsored. Engaging with these offers is optional. We never share your personal data with these partners without your specific opt-in.

You agree not to use Claimoe for fraudulent claims, fabricated accidents, or any unlawful purpose. We may suspend or close accounts that violate this term.

Claimoe is provided "as is." We do not warrant any specific outcome. Our liability is limited to the amount you have paid us for the case in question. Some jurisdictions do not allow these limits — your statutory rights are unaffected.

These terms are governed by the laws of the State of New Jersey, where Claimoe's owner resides and operates. Disputes will be resolved through binding arbitration except where prohibited by your state's consumer-protection laws.

We may update these terms. We will email account holders before any material change takes effect. Continued use after the effective date counts as acceptance.

Questions about these terms? Email hello@claimoe.ai.