Thank you for using Claim Magic. We refer to Claim Magic and our affiliate, Lowey Dannenberg, P.C., collectively as ”Claim Magic,” ”we,” ”us,” or ”our.”

Please read these Terms of Use (“Terms”) carefully. By using our service, signing up for an account, or accessing or using our website, you and Claim Magic agree to comply with and be bound by these Terms.

IMPORTANT: PLEASE REVIEW THE ARBITRATION AGREEMENT SET FORTH IN SECTION 9 CAREFULLY. THIS PROVISION REQUIRES THAT ALL DISPUTES BETWEEN YOU AND CLAIM MAGIC WILL BE RESOLVED THROUGH FINAL AND BINDING ARBITRATION. BY ENTERING THIS AGREEMENT, YOU EXPRESSLY ACKNOWLEDGE THAT YOU HAVE READ AND UNDERSTAND ALL TERMS OF THIS AGREEMENT, INCLUDING SECTION 9.

IF YOU DO NOT AGREE TO THESE TERMS, YOU MAY NOT ACCESS OF USE OUR SERVICES.

If your use of our services is terminated or discontinued, these Terms will continue to apply and be binding with respect to your prior use of the service.

1. Acceptance of Terms

By using our services, you affirm that you are at least 18 years old or the age of majority in your jurisdiction.

2. Changes to Terms

We reserve the right to modify these Terms at any time. We will notify you of any changes by posting the new terms on our website. Your continued use of the services after any such changes constitutes your acceptance of the new Terms of Use. We encourage you to periodically review these Terms.

3. User Accounts

To access certain features of our service, you may be required to create an account with Claim Magic. You are responsible for maintaining the confidentiality of your account information and for all activities that occur under your account. You agree to notify us immediately of any unauthorized use of your account.

You agree to submit truthful and accurate information in creating an account and using the services. Failure to do so is a breach of these Terms and may result in the suspension or deletion of your account.

4. User Conduct

You agree to use our services in accordance with all applicable laws and refraining from any actions that could harm or infringe upon the rights of others.You are expressly prohibited from engaging in the following:

• Reverse engineering or accessing the source code for our services.

• Accessing or using the service for any unlawful purpose, including submitting false information to obtain settlement funds not available to you.

• Using, copying, or reproducing the service or our content for any commercial purpose.

• Transmitting any harmful, offensive, or illegal content.

• Attempting to gain unauthorized access to our systems or networks.

5. Intellectual Property

All content, trademarks, and other intellectual property rights associated with our services are owned by us or licensed to us. You are granted a limited, non - exclusive, non - transferable license to access and use the services for personal, non - commercial purposes.

6. Disclaimers

To the maximum extent permitted by law, our services are provided "as is" and "as available" without warranties of any kind, either express or implied. We do not guarantee that our services will be uninterrupted, secure, or free of errors.

7. Limitation of Liability

To the fullest extent permitted by law, we shall not be liable for any (1) indirect, incidental, special, consequential, or punitive damages arising out of or relating to your use of our services; and (2) personal injury, harm, or death arising out of or relating to your use of our services. This provision may not be application to your depending on your state of residence.

8. Indemnification

You agree to indemnify and hold harmless Claim Magic and their respective officers, directors, and employees from any claims, losses, damages, liabilities, costs, or expenses arising out of your use of the services or your breach of these Terms of Use.

9. BINDING DISPUTE RESOLUTION

ANY DISPUTE, CONTROVERSY, OR CLAIM ARISING OUT OF OR RELATING TO THESE TERMS OF USE OR THE SERVICES SHALL BE RESOLVED BY BINDING, INDIVIDUAL ARBITRATION BEFORE THE JUDICIAL ARBITRATION & MEDIATION SERVICES, INC. (“JAMS”) IN NEW YORK, NEW YORK. THE ARBITRATION SHALL BE CONDUCTED IN ACCORDANCE WITH JAMS’ STREAMLINED ARBITRATION RULES AND PROCEDURES, IF APPLICABLE.

YOU HEREBY WAIVE YOUR RIGHT TO A TRIAL BY JURY AND YOUR RIGHT TO PARTICIPATE IN A CLASS ACTION OR ARBITRATION ON A CLASS - WIDE BASIS.

10. Governing Law

These Terms of Use shall be governed by and construed in accordance with the laws of the State of New York, without regard to its conflict of law principles. The exclusive venue and jurisdiction for any proceedings shall be in New York.

11. Attorney Advertising

Our website and services may be considered attorney advertising under certain state laws. Our website and services do not constitute legal advice.

12. Contact Us

If you have any questions about these Terms of Use, please contact us at: support@claimmagic.com.

By using our services, you acknowledge that you have read, understood, and agree to be bound by these Terms of Use.