Loch Brandy LLC, d/b/a Claim Magic owns and operates the website located at www.claimmagic.com (”Claim Magic” or the ”Platform”). Your access and use of the Platform, any part thereof, or anything associated therewith, including its content (”Content”), any products or services provided through the Platform or otherwise by Claim Magic, communications based on your use of the Platform, and any affiliated website, software or application owned or operated by Claim Magic (collectively, including the Platform, Content, and the ”Service”) are governed by these Terms of Use (”Terms of Use” or ”Agreement”).

1. Acceptance

Please read these Terms of Use carefully because they set forth the important terms you will need to know. Your access to and use of Claim Magic is subject to this Agreement, as well as all applicable laws and regulations. If you do not accept and agree to be bound by this Agreement in its entirety, please leave this page immediately. By not accepting the Agreement, you are strictly prohibited from visiting, accessing, registering with and/or using the Service or any information or Content provided through the Service—except as necessary to review this Agreement. The Service is continually under development, and we reserve the right to revise or remove any part of this Agreement or the Service in our sole discretion at any time and without prior notice to you. Any changes to this Agreement are effective upon posting to the Platform. Unless otherwise indicated, any new Content added to the Service is also subject to this Agreement upon posting to the Platform. If you disagree with this Agreement or any terms or conditions herein, your sole remedy is to discontinue your use of the Service. Your continued use of the Service constitutes your acceptance of this Agreement, including any modifications.

2. Agreement to Arbitrate

You and Claim Magic agree that any dispute, claim, or controversy arising out of or relating to these Terms of Use, the Claim Magic platform, or your use of any services offered through Claim Magic—including any dispute about the validity, enforceability, or scope of this Arbitration Agreement—shall be resolved exclusively through binding arbitration, rather than in court, except as provided below.

3. Arbitration Forum and Rules

Arbitration shall be administered by JAMS pursuant to its applicable rules and procedures, including the JAMS Streamlined Arbitration Rules for claims under $250,000 and the JAMS Comprehensive Arbitration Rules for larger claims, which are available at www.jamsadr.com. The arbitrator shall have exclusive authority to resolve any dispute relating to the interpretation, applicability, or enforceability of this Arbitration Agreement. For the avoidance of any doubt, you shall be responsible for all filing, administrative, arbitrator, and other fees due to JAMS.

4. Seat and Governing Law

The arbitration shall be conducted in New York, New York, and shall be governed by and construed in accordance with the laws of the State of New York, without regard to its conflict of laws principles. The Federal Arbitration Act, 9 U.S.C. § 1 et seq., shall govern the interpretation and enforcement of this Arbitration Agreement.

5. Informal Dispute Resolution

Before initiating arbitration, you agree to first contact Claim Magic at info@claimmagic.com and provide a written description of the dispute and any relief sought, your name, and contact information. The parties agree to attempt to resolve the dispute informally for a period of thirty (30) days from the date of the written notice. If the dispute is not resolved within that period, either party may commence arbitration.

6. Waiver of Class Action and Jury Trial

By agreeing to arbitration, you and Claim Magic each waive the right to a trial by jury and to participate in a class action lawsuit with respect to any dispute covered by this Arbitration Agreement. You understand that arbitration is a private process; that arbitration awards are generally final and binding and not subject to appeal on the merits; that discovery in arbitration is more limited than in court proceedings; and that you may be responsible for a portion of the arbitration costs. You have the right to consult with independent counsel before agreeing to these terms.

7. Severability

If any part of this Arbitration Agreement is found to be unenforceable, the remaining portions shall remain in full force and effect, except that if the Class Action Waiver is found unenforceable, the entire Arbitration Agreement shall be null and void.

8. Opt-Out Right

You may opt out of this Arbitration Agreement by sending written notice by email to info@claimmagic.com within thirty (30) days of first accepting these Terms of Use. Your notice must include your name, email address, and a clear statement that you wish to opt out of arbitration. If you opt out, all disputes will be resolved in a court of competent jurisdiction in New York, New York, where you consent to jurisdiction.

9. Assignment

You may not assign any of your rights under this Agreement, and any such attempt will be null and void.