Effective Date: November 1, 2025

 

By uploading, or submitting or otherwise providing any document or data to ClaimInformatics, Inc. (“ClaimInformatics,” “we,” “us,” “our”) through this upload function (the “Tool”), you (“Client,” “you,” “your”) agree to these Terms and Conditions (“Terms”).

If you do not agree to these Terms, do not use the Tool.

 

1. Nature of the Service; One-Time Transaction

1.1 The Tool allows you to upload ASO agreements, SPDs, PBM contracts, and related documents or data (“Client Information”) and receive an AI-generated report, summary, or other output in PDF or similar form (the “Output”).

 

1.2 The Tool is intended for one-time transactional use. Once you upload your document and receive the Output, no ongoing services, support, or relationship are created unless separately agreed in writing.

 

1.3 The Output is informational and illustrative only. It is not legal advice, a full contract audit, a regulatory compliance assessment, or any professional advisory service.

 

2. Your Authority and Responsibility

2.1 You represent and warrant that:

• you have full authority and all necessary consents to upload the Client Information;

• you are permitted by your internal policies, contracts, and applicable law to share the Client Information with ClaimInformatics; and

• your use of the Tool does not violate any duty of confidentiality or any third-party rights.

 

2.2 You are solely responsible for ensuring that uploading Client Information to the Tool is appropriate and compliant with your obligations, including any obligations to plan sponsors, plan members, participants, or other third parties.

 

2.3 You agree not to upload any information you are not legally permitted to share with ClaimInformatics.

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3. Permission to Process, Analyze, Retain, and Mine Data

By uploading Client Information, you grant ClaimInformatics a worldwide, perpetual, irrevocable, royalty-free, fully transferable and fully sublicensable license to:

• host, store, copy, and retain Client Information,

• parse, analyze, mine, structure, and transform Client Information,

• create derivative works, annotations, datasets, models, training data, or analytic outputs based on Client Information,

• use Client Information and derivative works for internal business purposes, product development, AI model training and improvement, analytics, benchmarking, research, and commercialization,

• commercialize, license, sell, or otherwise monetize any insights, datasets, derivative works, or tools created from Client Information in de-identified or aggregated form.

 

This license cannot be revoked to the maximum extent permitted by law.
 

Any request to delete Client Information will not require ClaimInformatics to delete:

• de-identified data,

• aggregated data,

• derivative works,

• analytics products,

• AI or machine-learning models trained using such data,

• or any commercial products already developed using such data.

 

4. Use of Client Information for AI, Analytics, and Monetization

4.1 De-Identification and Aggregation.
We may de-identify and/or aggregate Client Information and use it to create derivative datasets, models, benchmarks, indexes, and other analytic products.

 

4.2 AI and Machine-Learning Training.
We may use de-identified, aggregated, and/or transformed Client Information to train, test, validate, and improve AI models, machine-learning systems, and related tools, including generative AI.

 

4.3 Commercialization and Monetization.
We may commercialize, license, sell, or otherwise monetize:

• insights, benchmarks, indices, and risk scores derived from de-identified or aggregated Client Information;

• models and tools trained or improved using such data.

 

You will not receive any compensation, credit, ownership, or revenue share for ClaimInformatics’ use of Client Information or any products derived from it.

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4.4 Non-Identification of You or Individuals.
In analytic, benchmarking, and commercial outputs, we will not intentionally disclose:

• your identity as the source of the data, or

• information that directly identifies specific individuals, plan participants, or patients.

 

5. No Security Guarantees; Your Assumption of Risk

5.1 No Representation or Warranty of Security.
We may use organizational, technical, or physical measures to try to maintain the security of systems that store or process Client Information. However, we make no representation, promise, or warranty that these measures will prevent unauthorized access, disclosure, loss, misuse, or alteration of Client Information.

 

5.2 Inherent Risk Acknowledgement.
By using the Tool, you understand and accept that transmitting and storing documents and data over the internet and through third-party infrastructure carries inherent risks. These risks include but are not limited to:

• unauthorized access or disclosure,

• interception or corruption of data,

• security incidents or breaches,

• service outages or errors.

 

5.3 Assumption of Risk.
You assume all risk arising from your decision to upload Client Information, including the risk that Client Information may be accessed or disclosed without authorization, except to the limited extent that such assumption is prohibited by applicable law.

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6. Output Ownership and Use

6.1 ClaimInformatics retains all intellectual property rights in the Tool, the underlying technology, and the methodology used to generate the Output.

 

6.2 Subject to these Terms, ClaimInformatics grants you a limited, non-exclusive, non-transferable license to use the Output solely for your internal business purposes.

 

6.3 You may not resell, sublicense, publicly distribute, or commercially exploit the Output without our prior written consent.

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7. No Legal, Accounting, or Regulatory Advice

7.1 ClaimInformatics is not a law firm, accounting firm, or professional advisory firm and does not provide legal, accounting, tax, or regulatory advice through the Tool.

 

7.2 You agree that you will not rely on the Output as legal advice or as a substitute for consultation with qualified legal, accounting, or compliance professionals.

 

7.3 Any decisions you make based on the Output are solely your responsibility.

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8. Disclaimers; “As Is” Service

8.1 The Tool and the Output are provided “as is” and “as available” with no warranties of any kind.

 

8.2 To the maximum extent permitted by law, ClaimInformatics disclaims all warranties, express or implied, including without limitation:

• warranties of accuracy, completeness, reliability, or timeliness;

• warranties of merchantability;

• fitness for a particular purpose;

• non-infringement;

• any warranty that the Tool will be error-free, uninterrupted, or secure.

 

8.3 You acknowledge that the Output may contain errors, omissions, or approximations and may be incomplete or unsuitable for your specific purpose.

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9. Limitation of Liability

To the fullest extent allowed by law:

9.1 Cap on Liability.
ClaimInformatics’ total liability arising out of or relating to your use of the Tool, the Output, or these Terms — whether in contract, tort (including negligence), strict liability, or any other theory — is limited to one hundred dollars ($100) in the aggregate.

 

9.2 Exclusion of Certain Damages.
In no event will ClaimInformatics be liable for any:

• indirect, incidental, special, consequential, exemplary, or punitive damages;

• loss of profits, revenue, business opportunity, goodwill, or data;

• business interruption or other commercial damages or losses, even if advised of the possibility of such damages.

 

10. Release and Indemnification

10.1 Release.
To the maximum extent permitted by law, you release and forever discharge ClaimInformatics and its officers, directors, employees, contractors, and agents from any and all claims and liability arising out of or relating to:

• your use of the Tool or the Output;

• your upload, transmission, or sharing of Client Information;

• any unauthorized access to or disclosure of Client Information, except to the extent such release is prohibited by law.

 

10.2 Indemnification.
You agree to defend, indemnify, and hold harmless ClaimInformatics and its officers, directors, employees, contractors, and agents from and against any claims, demands, losses, damages, liabilities, costs, and expenses (including reasonable attorneys’ fees) arising from or related to:

• your use of the Tool or the Output;

• your violation of these Terms;

• any allegation that our authorized use of Client Information infringes, misappropriates, or violates any rights of a third party.

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11. Governing Law and Venue

These Terms are governed by the laws of the State of Connecticut, without regard to its conflict-of-law rules.
 

You agree that any dispute arising out of or relating to these Terms, the Tool, or the Output will be brought exclusively in the state or federal courts located in Hartford County, Connecticut, and you consent to the personal jurisdiction of those courts.

 

To the extent permitted by law, you and ClaimInformatics waive any right to a jury trial.

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12. Modifications

We may update these Terms at any time by posting the updated Terms at: https://www.claiminformatics.com/contract-review-terms-conditions

 

Your continued use of the Tool after such posting constitutes your acceptance of the updated Terms.

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13. Miscellaneous

13.1 These Terms constitute the entire agreement between you and ClaimInformatics regarding your use of the Tool.

 

13.2 If any provision of these Terms is held invalid or unenforceable, the remaining provisions will remain in full force and effect.

 

13.3 Our failure to enforce any right or provision will not be deemed a waiver of such right or provision.

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14. Contact Information

ClaimInformatics, Inc.
811 Blue Hills Avenue
Bloomfield, CT 06002
Phone: (860) 761-9570
Email: hello@claiminformatics.com