Claimiflo Terms of Service

Effective Date: March 22, 2026 | Last Updated: March 23, 2026

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1. Definitions

"Claimiflo," "we," "us," or "our" refers to Claimiflo, Inc., the operator of the Claimiflo platform. "Service" refers to the Claimiflo SaaS platform, including all discovery tools, workflow management features, document organization, correspondence display, and related functionality. "Customer," "you," or "your" refers to the business entity that subscribes. "Authorized User" refers to an individual granted access under a Customer account. "Findings" refers to unclaimed property records identified through the Service. "Customer Data" refers to information provided by the Customer. "Subscription Plan" refers to the selected service tier and billing interval. "Platform Tools" refers to the software features, workflows, templates, drafts, organizational tools, and automated suggestions provided within the Service.

2. Eligibility and Account Registration

The Service is available only to legally formed U.S. business entities. By creating an account, you represent that you are a duly authorized representative of the registered business entity and have authority to bind that entity to these Terms. You represent and warrant that you are acting in an official capacity as an employee, officer, or authorized representative of the company associated with your account. You are not acting as a third-party finder, locator, investigator, heir finder, recovery agent, or any other intermediary on behalf of another party. Account holders must be at least 18 years of age. You are responsible for maintaining account accuracy and credential confidentiality.

3. Description of Services

Claimiflo provides a SaaS platform that: (a) searches publicly available state unclaimed property databases to identify records that may belong to your business; (b) provides workflow tools to review, organize, track, and manage potential claims; (c) provides document organization and storage tools to help you prepare materials for claim submission; (d) delivers notifications and status updates; (e) surfaces and displays inbound correspondence and status information within the platform; and (f) provides templates, suggested next steps, and workflow guidance to support your claim management process. Claimiflo provides software tools designed to support the full lifecycle of unclaimed property discovery and claim workflow management. However, unclaimed property recovery involves numerous variables outside our control, including state agency processes, database accuracy, and regulatory requirements. All actions taken in connection with unclaimed property claims — including submissions, follow-ups, and communications with state agencies — are initiated and completed by the Customer, not by Claimiflo.

4. What Claimiflo Is Not

Claimiflo is a technology platform and workflow tool. Claimiflo is NOT a law firm, accounting firm, claims filing service, claims administrator, licensed property finder/locator/investigator, legal representative, agent, intermediary, fiduciary, mailbox provider, correspondence forwarding service, communication intermediary, or provider of legal, tax, accounting, or financial advice. Claimiflo does not file claims on your behalf, hold power of attorney, communicate with state agencies on your behalf, or charge fees contingent on recovery outcomes. Your subscription fee is for platform access and is not a finder's fee, commission, or percentage of any recovery. Fees are fixed and not tied to outcomes.

No Agency or Representation. Nothing in these Terms, in the Service, or in any interaction with Claimiflo creates or is intended to create an agency, partnership, joint venture, fiduciary, representative, claims administrator, intermediary, or other service relationship between Claimiflo and the Customer. Claimiflo does not act on your behalf in any capacity. Claimiflo does not communicate with state agencies, respond to state agency requests, submit documents to state agencies, or take any action directed at state agencies on your behalf. All state-facing actions are your sole responsibility. Any Platform Tools provided — including templates, drafts, suggested next steps, and workflow guidance — are software tools for your own independent use and do not constitute Claimiflo acting as your agent or representative.

5. Customer Responsibilities

You are solely responsible for: (a) verifying the accuracy of Findings before taking action; (b) preparing and submitting claims to state agencies; (c) complying with all applicable state laws including registration, documentation, notarization, wet-ink signatures, and timing requirements; (d) ensuring all documents you provide are genuine and accurate; (e) all decisions regarding whether to pursue any claim; (f) managing user access within your account; (g) responding to all state agency requests, including requests for additional documentation, clarification, signatures, notarization, or other follow-up actions; (h) monitoring inbound correspondence displayed within the platform and taking appropriate action; and (i) all communications with state agencies, including initiating, sending, and completing all correspondence. You understand that you are the party submitting claims to state agencies and the party responding to state agency requests, not Claimiflo.

Customer as Sole Actor. Every claim submission, follow-up submission, response to a state agency, and communication with a state agency must be initiated, reviewed, and completed by the Customer. Any templates, drafts, prepared materials, suggested next steps, or workflow guidance provided by the Service are Platform Tools for the Customer's own independent use. Claimiflo does not approve, authorize, execute, send, or complete any state-facing action for the Customer. The Customer is solely responsible for reviewing all materials before use or submission and for ensuring their accuracy and completeness. You should consult your own legal, tax, or accounting advisors regarding unclaimed property laws.

6. State-by-State Variations

Unclaimed property laws, processes, requirements, and timelines vary significantly from state to state. You acknowledge that: (a) some states require notarized documents signed in the presence of a licensed notary public; (b) some states require wet-ink signatures — actual paper documents with original handwritten signatures where electronic signatures may not be accepted; (c) some states require specific forms, supporting documentation, or additional verification steps that must be completed outside the Claimiflo platform; (d) processing timelines vary dramatically — from weeks to over a year — and are outside Claimiflo's control; (e) state requirements may change at any time without notice; and (f) any information provided within the Service about state processes is for general informational purposes only and you are responsible for confirming current requirements with the relevant state agency. Claimiflo provides software tools designed to help you navigate state-by-state variations, including workflow templates, suggested documentation checklists, and general process guidance. However, ultimate compliance with state-specific requirements is the Customer's sole responsibility.

7. Claim Submission, Processing, and Post-Submission Workflow

Claims are submitted by you through appropriate state agency channels. Claimiflo provides workflow tools to help you prepare, organize, and track claims but does not submit claims on your behalf. Approval, denial, or processing of any claim is determined solely by the relevant state agency. Not all Findings will result in successful claims — Findings are based on name and address matching and may include false positives or miss legitimate matches.

Post-Submission State Responses. After a claim is submitted, states may request additional information, documentation, clarification, signatures, notarization, or other follow-up actions. These requests vary by state, may change without notice, and may require actions outside the Claimiflo platform. Claimiflo provides Platform Tools to help you review, organize, track, and prepare for such requests, including suggested next steps, document organization, workflow management, and status tracking. When Claimiflo receives correspondence from a state agency related to a submitted claim, the platform will surface that correspondence to the Customer within the Service. This forwarding is an automated platform function and does not constitute Claimiflo acting as an intermediary, agent, or representative. The Customer remains solely responsible for reviewing all correspondence, responding to state agency requests, sending materials, communicating with agencies, and completing all required steps. Claimiflo does not respond to state agencies on your behalf, does not act as your representative in any state interaction, and does not guarantee that any correspondence will be received, that any issue will be resolved, or that any claim will be approved.

AI and Automated Suggestions. The Service may provide automated suggestions, generated drafts, extracted data, workflow recommendations, or other outputs produced by automated or AI-assisted processes. These outputs are Platform Tools provided for convenience and may contain errors, omissions, or inaccuracies. The Customer must independently review all automated outputs before use or submission. Claimiflo does not guarantee the accuracy of any automated suggestion or generated content.

8. Inbound Correspondence and Communications

The Service may provide tools for receiving, organizing, and displaying inbound correspondence related to unclaimed property claims. Any email addresses, correspondence channels, or communication identifiers provided through the Service are software tools for receiving and organizing correspondence within the platform. Claimiflo is not a mailbox provider, correspondence forwarding service, agent, or representative. Claimiflo may receive, parse, store, and display inbound correspondence and attachments within the platform — this is a software feature and does not constitute Claimiflo acting as a correspondent, agent, or representative. Claimiflo does not guarantee the delivery, completeness, timeliness, accuracy, or availability of any correspondence. The Customer is solely responsible for monitoring correspondence and taking all required actions. Claimiflo does not reply to, forward, or communicate with state agencies or any other parties on the Customer's behalf unless expressly stated in a separate written agreement.

9. Prohibited Users and Uses

Use of Claimiflo by third-party finders, locators, investigators, heir finders, recovery agents, or any person acting on behalf of another company is expressly prohibited. Claimiflo is designed exclusively for authorized employees and officers of the company whose unclaimed property is being searched. Accounts used by or on behalf of third-party finders or agents will be immediately terminated without refund. You also agree not to: use the Service for unlawful purposes; misrepresent your identity or authority; share credentials; exceed user limits; reverse-engineer the Service; use unauthorized automated tools; interfere with the platform; file fraudulent claims; or resell access to the Service.

10. Subscription Plans, Fees, and Payment

Subscriptions are billed monthly or annually via Stripe and automatically renew unless cancelled. Additional users and entities may be added as add-ons; add-on fees are prorated and billed on the same cycle as your base subscription. We will provide at least 30 days' notice before any price increase, effective at your next renewal. You may cancel before a price increase takes effect. All fees are exclusive of applicable taxes. If a payment fails, we will notify you; accounts may be suspended after 14 days of non-payment.

11. Free Preview

New accounts may access a limited free preview for 14 days with restricted functionality. After the preview period, access is discontinued until a paid plan is selected. No payment method is required for the preview. Preview data is retained for 90 days after expiration.

12. Cancellation and Post-Cancellation

You may cancel at any time through the self-service option in your account settings. Access continues through the end of your current paid billing period with no refunds for remaining time. Claims already submitted to state agencies will continue to be processed by those agencies according to their standard procedures. Any funds recovered by state agencies will be paid to you according to the state's standard process. Claimiflo's involvement in claim processing is limited to the Platform Tools described in these Terms.

Post-Cancellation Correspondence. After cancellation, Claimiflo will continue to forward any correspondence received from state agencies related to claims that were submitted through the platform prior to cancellation. This forwarding is an automated platform function and does not constitute Claimiflo acting as an intermediary, agent, or representative, nor does it create any ongoing service obligation beyond the automated forwarding itself. Previously received correspondence that was displayed within the platform prior to cancellation will remain accessible during the data retention period. Claimiflo does not guarantee that all correspondence will be received or that forwarding will be uninterrupted, and the Customer is encouraged to establish direct channels with state agencies for any ongoing claims.

Claims not yet submitted will not be processed further after cancellation. Your data is retained for 90 days after cancellation for export, then permanently deleted. You may reactivate within the 90-day window to restore your data.

13. Data Privacy and Security

Customer Data is encrypted in transit (TLS 1.2+) and at rest. Our platform enforces multi-tenant data isolation. We do not sell, rent, or share your data with third parties except as necessary to provide the Service. We will notify you of any data breach within 72 hours. You may export your data at any time. For CCPA/CPRA purposes, Claimiflo acts as a "Service Provider." See our Privacy Policy for complete details.

14. Intellectual Property

Claimiflo retains all rights in the platform, software, algorithms, matching logic, and documentation. You retain ownership of your Customer Data. Findings are derived from public databases — neither party owns public data, but Claimiflo's methods of searching, matching, and presenting such data are proprietary. We grant you a limited, non-exclusive license to use the Service during your subscription. We may use anonymized, aggregated data for product improvement.

15. Warranties and Disclaimers

We warrant the Service will perform materially as documented and we will use commercially reasonable efforts to protect your data. EXCEPT FOR THESE LIMITED WARRANTIES, THE SERVICE IS PROVIDED "AS IS." WE DISCLAIM ALL OTHER WARRANTIES. We do not warrant completeness or accuracy of Findings, recovery outcomes, state database availability, regulatory compliance, accuracy of automated suggestions or generated content, or delivery/completeness of correspondence displayed within the platform. Any state process guidance or automated output is for general information only, is not legal advice, and must be independently reviewed by the Customer before use.

16. Limitation of Liability

OUR TOTAL LIABILITY SHALL NOT EXCEED FEES PAID IN THE 12 MONTHS PRECEDING THE CLAIM. We are not liable for indirect, incidental, special, consequential, or punitive damages including lost profits, failed recoveries, or cost of substitute services. We are not liable for claim denials, state database errors, penalties imposed by state agencies, missed or incomplete correspondence, or losses from reliance on automated outputs without independent review. These limitations do not apply to gross negligence, willful misconduct, breach of data confidentiality, or fraud.

17. Indemnification

You agree to indemnify Claimiflo against claims arising from your breach of these Terms, misuse of the Service, submission of inaccurate information, failure to comply with state laws, violation of applicable regulations, or any third-party claim arising from your use of Platform Tools, automated outputs, templates, or correspondence features. Claimiflo will indemnify you against third-party IP infringement claims related to the Service.

18. Dispute Resolution and Arbitration

Disputes must first be addressed informally for 30 days by contacting support@claimiflo.com. If unresolved, disputes shall be resolved by binding arbitration under AAA Commercial Rules in Orange County, California. YOU WAIVE ANY RIGHT TO PARTICIPATE IN A CLASS ACTION. Either party may bring individual small claims court actions. These Terms are governed by California law.

19. Service Availability and Feature Changes

We use commercially reasonable efforts to maintain availability. The Service may experience downtime for maintenance or technical issues. Scheduled maintenance will be communicated in advance when practicable. Status information is available at status.claimiflo.com. Claimiflo may modify, update, limit, suspend, or remove features, workflows, integrations, or functionality at any time, including as necessary to address changes in applicable law, regulations, state agency processes, third-party system availability, or security requirements. We will use commercially reasonable efforts to provide advance notice of material changes, but changes required by law, regulation, or security concerns may be made immediately.

20. Support

Email support is provided to all active subscribers at support@claimiflo.com. We will respond within 2 business days. Support covers platform-related questions and does not include legal, tax, or accounting advice.

21. Confidentiality

Each party will keep the other's confidential information confidential, excluding information that is publicly available, already known, independently developed, or required by law. Confidentiality obligations survive termination for 2 years.

22. Modifications to Terms

We may update these Terms with at least 30 days' notice via email or in-app notification. Continued use after the effective date constitutes acceptance. You may cancel before changes take effect without penalty.

23. General Provisions

These Terms and our Privacy Policy constitute the entire agreement. If any provision is unenforceable, the remainder continues. Failure to enforce a provision is not a waiver. You may not assign your account without consent; Claimiflo may assign in connection with a merger or acquisition. Neither party is liable for delays due to force majeure. Notices to you are sent to your account email; notices to us should be sent to support@claimiflo.com.

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Contact: Claimiflo, Inc. | support@claimiflo.com | claimiflo.com
If you have questions about these Terms, please contact us at support@claimiflo.com before subscribing.