ClaimChowder

Welcome to ClaimChowder.ai! These Terms of Use ("Terms") govern your access to and use of the website, software, and services (collectively, the "Services") provided by Vindica, Inc., a Delaware corporation doing business as ClaimChowder.ai ("Vindica," "ClaimChowder.ai," "we," "us," or "our").

By accessing or using our Services, you agree to be bound by these Terms. If you do not agree to these Terms, you may not use our Services.

1. USE OF OUR SERVICES

ClaimChowder.ai is a technology platform that provides information about class action settlements and legal proceedings to help users discover and evaluate public settlement opportunities. Depending on the settlement, our Services may include settlement discovery, deadline reminders, official-site links, local eligibility tools, and assistance preparing claim materials. Browser extension features are designed to process sensitive matching information locally by default. We do not upload browsing history, visited URLs, inbox data, extension eligibility answers, claim-form answers, evidence documents, eligibility scores, or settlement matches by default. Any future feature that syncs account preferences or other sensitive information will require separate notice and your consent.

Our Services are provided without charge. The information provided on our website and through our Services is for informational purposes only and does not constitute legal, financial, or tax advice. Vindica and its suppliers do not warrant or represent that the contents are accurate, complete, or up-to-date. Vindica and its suppliers do not have a duty to update any contents, or represent that the contents are free from technical inaccuracies or typographical errors. Vindica and its suppliers do not warrant that the Services will be free from interruptions, computer viruses, or other harmful components, and do not assume liability for such matters.

2. LEGAL INFORMATION IS NOT LEGAL ADVICE

ClaimChowder.ai is not a law firm, and our employees and agents are not your attorneys. Your use of our Services does not create an attorney-client relationship between you and Vindica, Inc. Although we go to great lengths to make sure our information is accurate and useful, we recommend you consult a lawyer if you would like professional assurance that our information, and your interpretation of it, is appropriate to your particular situation. You should consider all postings and writings herein to be the personal opinions of Vindica staff or others, and NOT legal advice.

3. THIRD PARTY CONTENT AND LINKS

Our Services may include hyperlinks or pointers to third-party websites or content that is not owned by Vindica; Vindica may also include such hyperlinks or pointers in other media it distributes, such as emails, newsletters, etc. These are provided as a convenience and for informational purposes only. Vindica has no control over, and assumes no responsibility for, the content, privacy policies, or practices of any third-party websites or services. Vindica does not endorse or make any representations about these third-party sites, or any information, software, or other products or materials found there, or any results that may be obtained from using them. You assume full risk and responsibility when accessing third-party content from Vindica's Services and indemnify Vindica from liability for any damages that may result. Vindica reserves the right to terminate links or pointers to third-party websites at any time and without notice to you.

A link from a third-party website to the Vindica Services does not constitute an endorsement or affiliation by Vindica with that site or that third party. Vindica does not take responsibility for which third parties link to this website or the manner in which they do so. Third parties are prohibited from replicating content and images from this website without specific consent from Vindica. Third parties should not imply or represent that Vindica endorses their site, content, and/or product.

4. FEES AND PAYMENTS

Our Services are provided without charge to users.

5. USER REPRESENTATIONS AND WARRANTIES

By submitting information to us, you represent and warrant that:

You are at least 18 years of age.
All information and documentation you provide is true, accurate, and complete to the best of your knowledge under penalty of perjury.
You actually purchased the product(s) or used the service(s) at issue in the claim.
You will not use the Services to submit fraudulent, fictitious, or duplicate claims.

Warning: Submitting fraudulent claims is a violation of federal and state laws and may result in civil and criminal penalties. We reserve the right to report suspected fraud to settlement administrators and law enforcement.

6. INTELLECTUAL PROPERTY

The ClaimChowder.ai website, its proprietary software, algorithms, content, and trademarks are the exclusive property of Vindica, Inc. You are granted a limited, non-exclusive, non-transferable license to use the Services for your personal, non-commercial use. You may not copy, modify, scrape, reverse-engineer or distribute any part of our Services without our express written consent.

7. LIMITATION OF LIABILITY

TO THE MAXIMUM EXTENT PERMITTED BY LAW, VINDICA, INC. SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING OUT OF OR RELATING TO YOUR USE OF THE SERVICES.

We make no guarantees regarding the outcome of any claim, the amount of any settlement payout, or the timeline for distribution. Settlement administrators make all final determinations regarding claim validity and payouts. OUR TOTAL AGGREGATE LIABILITY TO YOU FOR ANY CLAIMS ARISING UNDER THESE TERMS SHALL NOT EXCEED $100.

8. INDEMNIFICATION

You agree to indemnify, defend, and hold harmless Vindica, Inc., its officers, directors, employees, and agents from any claims, damages, liabilities, and expenses (including reasonable attorneys' fees) arising out of your use of the Services, your violation of these Terms, or your submission of false, inaccurate, or fraudulent claim information.

9. GOVERNING LAW AND VENUE

These Terms and your use of the Services shall be governed by and construed in accordance with the laws of the State of Delaware, without regard to its conflict of law principles.

10. DISPUTE RESOLUTION AND BINDING ARBITRATION

Please read this section carefully, as it affects your legal rights. Any dispute, claim, or controversy arising out of or relating to these Terms or the breach, termination, enforcement, interpretation, or validity thereof, shall be determined by binding arbitration, rather than in court, except that either party may bring an individual claim in small claims court if the claim qualifies. The arbitration shall be administered by the American Arbitration Association (AAA) pursuant to its Consumer Arbitration Rules, unless AAA is unavailable or declines to administer the dispute, in which case the parties will select another neutral arbitration provider or a court of competent jurisdiction will appoint one.

Unless the arbitrator determines that a different location is required by applicable law or fairness, arbitration may occur remotely, by written submissions, or in Delaware. You may be represented by an attorney in arbitration at your own expense. The arbitrator may award the same individual remedies that a court could award, subject to the limitations in these Terms.

You may opt out of this arbitration agreement by sending written notice to legal@claimchowder.ai within 30 days after you first accept these Terms. Your opt-out notice must include your name, the email address associated with your account if applicable, and a clear statement that you want to opt out of arbitration. Opting out of arbitration will not affect any other part of these Terms.

Class Action Waiver: You and Vindica, Inc. agree that any dispute resolution proceedings will be conducted only on an individual basis and not in a class, consolidated, or representative action.

If any portion of this arbitration agreement or class action waiver is found unenforceable, the unenforceable portion will be severed to the extent permitted by law, and the remaining portions will remain in effect.

11. TERMINATION

We reserve the right to suspend or terminate your account and access to the Services at our sole discretion, without notice, for conduct that we believe violates these Terms, including but not limited to the submission of fraudulent claims. You may terminate your account at any time by contacting us, provided that any claims already filed on your behalf will remain subject to these Terms.

12. CHANGES TO THESE TERMS

We may update these Terms from time to time. We will notify you of any material changes by posting the new Terms on this page and updating the "Effective Date." Your continued use of the Services after such changes constitutes your acceptance of the new Terms.

13. CONTACT US

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

Vindica, Inc. (d/b/a ClaimChowder.ai) Email: legal@claimchowder.ai Address: 16192 Coastal Highway, Lewes, Delaware 19958

14. PRIVACY POLICY

Our Privacy Policy explains how we collect, use, disclose, retain, and protect personal information in connection with the Services. Please review it carefully. If you have any privacy questions or requests, contact us at privacy@claimchowder.ai.