Terms of Service

Acceptance of Terms

By accessing or using Claim Flow Capital's website and services, you agree to be bound by these Terms of Service. If you do not agree, do not use our services.

Service Description

Claim Flow Capital provides advance funding by purchasing receivables from licensed Public Adjusters. This is not a loan and does not involve interest charges. We acquire the right to collect payment directly from the party holding funds.

Eligibility

To use our services, you must:

• Be a licensed Public Adjuster in good standing
• Have legal authority to assign receivables
• Provide accurate and complete information
• Have a settled insurance claim with documented payment

Application Process

Submitting an intake application does not guarantee approval or funding. All applications are subject to:

• Verification of claim details with the insurance carrier
• Review of all submitted documentation
• Completion of required e-sign agreements
• Final underwriting approval

Claim Flow Capital reserves the right to decline any application at any stage.

Representations and Warranties

By submitting an application, you represent and warrant that:

• All information provided is true, accurate, and complete
• You have not misrepresented any claim details
• The receivable is legitimate and not subject to disputes
• You have the legal right to assign the receivable to Claim Flow Capital
• No other party has a prior claim to the receivable

Fees and Costs

Advance costs include:

• Origination Fee: Disclosed upfront in the calculator and final documents
• Transfer Fee: Optional wire transfer fee ($15) if you choose wire over ACH

All fees are transparent and disclosed before you sign any agreements. There are no hidden charges.

Payment Collection

Once you assign the receivable to Claim Flow Capital, we have the right to collect payment directly from:

• The insurance carrier
• Mortgage companies or lienholders
• Escrow agents or other payment processors

You agree to cooperate and provide any necessary endorsements or authorizations to facilitate collection.

Limitation of Liability

Claim Flow Capital is not liable for:

• Delays in carrier or mortgage company payment processing
• Disputes between you and the insured or carrier
• Errors in information you provide
• Third-party service failures (email, e-sign, etc.)

Our total liability is limited to the amount of the advance provided.

Indemnification

You agree to indemnify and hold harmless Claim Flow Capital from any claims, damages, or expenses arising from:

• Misrepresentation of claim information
• Fraud or intentional misconduct
• Breach of these Terms of Service
• Disputes with third parties regarding the receivable

Governing Law

These Terms are governed by the laws of the jurisdiction where Claim Flow Capital is registered. Any disputes will be resolved through binding arbitration.

Changes to Terms

We may update these Terms from time to time. Changes will be posted on this page with an updated "Last Updated" date. Continued use of our services after changes constitutes acceptance.

Contact

Questions about these Terms? Email Intake@claimflowcapital.com.