1. Acceptance of terms
By accessing or using ClaimLedge ("the Site"), you agree to be bound by these Terms of Service. If you do not agree, do not use the Site. Use of any calculator constitutes acceptance in full.
2. Nature of the service
ClaimLedge provides free, automated estimation tools covering legal settlements, traffic and criminal penalties, and insurance costs. All outputs are educational approximations derived from generalized formulas, published statutory ranges, and industry-standard actuarial heuristics. They are intended to help you understand how a calculation is typically framed — not to price your specific case, policy, or claim.
3. No professional advice, no professional relationship
Nothing on this Site constitutes legal, financial, insurance, tax, or medical advice. Use of the Site does not create an attorney–client, broker–client, fiduciary, or any other professional relationship. Statutes, court schedules, rate filings, and policy language vary by jurisdiction and change frequently. Always consult a licensed attorney or insurance professional in your jurisdiction before making binding decisions.
4. Accuracy and availability
We work to keep model inputs current, but we make no warranty — express or implied — regarding the accuracy, completeness, or fitness of any estimate for any purpose. Calculators are provided "as is." The Site may be unavailable at times and may be modified or discontinued without notice.
5. Acceptable use
You agree not to:
- Scrape, bulk-download, or systematically reproduce the Site's content or calculator logic for republication;
- Represent calculator outputs as professional valuations to any third party;
- Interfere with the Site's operation or attempt to access non-public systems;
- Use the Site in any manner that violates applicable law.
6. Intellectual property
All text, design, and calculator code on the Site are the property of ClaimLedge and may not be reproduced without written permission, except for brief quotation with attribution and link.
7. Third-party content and advertising
The Site displays third-party advertising (Google AdSense) and may link to external resources. We do not control and are not responsible for third-party content, products, or practices. Advertiser content does not constitute an endorsement.
8. Limitation of liability
To the maximum extent permitted by law, ClaimLedge and its operators shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from your use of — or reliance on — any estimate, figure, or content on the Site, including but not limited to settlement outcomes, penalty assessments, or insurance pricing decisions.
9. Indemnification
You agree to indemnify and hold harmless ClaimLedge and its operators from any claims, losses, or expenses (including reasonable attorneys' fees) arising from your violation of these Terms or misuse of the Site.
10. Governing law
These Terms are governed by the laws of [State, Country], without regard to conflict-of-law provisions. Any disputes shall be resolved in the courts located in that jurisdiction.
11. Changes to these terms
We may revise these Terms at any time. The "last updated" date above reflects the current version; continued use of the Site after changes constitutes acceptance.
12. Contact
Questions about these Terms: contact page.