Claimiflo Terms of Service

Effective Date: May 11, 2026 | Last Updated: July 26, 2026 | Version 3.16

1. Definitions

In these Terms of Service ("Terms"), the following definitions apply:

• "Service" means the Claimiflo platform, including all features, tools, workflows, templates, and content accessible through the website and application.
• "Customer," "you," or "your" means the business entity that creates an account and uses the Service.
• "Claimiflo," "we," "us," or "our" means Dynamic Workflow Labs LLC, the operator of the Claimiflo platform.
• "Finding" means a publicly available unclaimed-property record, published by a state administrator, that the Service's software surfaces and organizes as a potential match to the names and identifiers you provide, for your own review.
• "Platform Tools" means any templates, forms, drafts, suggested workflows, generated documents, or automated outputs provided through the Service.
• "Subscription Plan" means the paid tier of service selected by the Customer.

2. Eligibility and Account Registration

2.1 The Service is available only to legally formed business entities operating in the United States. By creating an account, you represent and warrant that you are a duly authorized representative of the business entity you register and that you have the authority to bind that entity to these Terms.

2.2 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. You further acknowledge that the company associated with your account is the claimant or potential claimant with respect to any unclaimed property, and that Claimiflo is not the claimant, owner, beneficiary, finder, locator, investigator, or agent for any such claims.

2.3 Account holders must be at least 18 years of age.

2.4 By creating an account, you agree to provide accurate information and maintain the security of your login credentials. You are responsible for all activity under your account.

2.5 Property You May Claim; Corporate-Family Scope. You may use the Service only to identify and claim unclaimed property belonging to the business entity registered on your account, or to a subsidiary, predecessor, successor, affiliate under common ownership or control, former name, or registered "doing business as" name of that entity that you are authorized to represent and for which you can provide the proof of corporate relationship that the relevant state requires (see also the prohibited uses in Section 9.1). You may not use the Service to identify, prepare, or file a claim for unclaimed property belonging to any separate legal entity that you do not own or are not authorized to represent, including any entity that merely shares a similar or identical name. A Finding surfaced by the Service is only a potential match presented for your review; the Service does not determine, and does not represent, that any Finding belongs to your entity or to any related entity. You are solely responsible for determining, before you claim any Finding, that the property belongs to your registered entity or to a related entity you are authorized to represent.

3. Description of Services

3.1 Claimiflo is a software-as-a-service (SaaS) platform, and your subscription is a purchase of access to that software. You are paying for access to Claimiflo's workflow and automation software, not for the recovery of any property. That software helps businesses organize and track unclaimed property records surfaced from public state databases. Users retain full control over their claim submission decisions.

3.2 Claimiflo provides software tools only. Claimiflo does not provide legal, tax, accounting, regulatory, or professional advice, and does not make any determination as to whether a particular Finding is valid, whether a claim should be filed, or whether any filing is accurate, complete, or timely. All such determinations are made solely by you.

4. What Claimiflo Is Not

4.1 Claimiflo is designed exclusively for businesses to manage their own unclaimed property claims. Claimiflo is not:

• The claimant, owner, or beneficiary of any unclaimed property surfaced by the Service;
• A licensed property finder, locator, or investigator as those terms may be defined under any state unclaimed property law, and does not hold itself out as a finder, locator, investigator, or recovery agent for any claimant;
• A law firm, accounting firm, or provider of professional advice;
• A government agency or representative of any state unclaimed property program;
• A claims filing service that exercises judgment over your claims — you are the claimant, and every submission is prepared, reviewed, and electronically signed by you. Where you elect electronic submission, Claimiflo transmits your signed claim solely as a technical conduit, as described in Section 5.3.
• A holder of power of attorney for you. Claimiflo does not hold, require, accept, or act under any power of attorney for you or your company.

4.2 Your subscription fee is consideration for access to the Claimiflo software and workflow platform and its features, and nothing else. It is not a finder's fee, commission, contingency, or percentage of any recovery; it is not a fee for locating, recovering, or assisting in the recovery of any property; and it is not measured against, or contingent on, whether or in what amount you recover any property. Claimiflo's fees are payable regardless of whether you ultimately submit any claims or recover any funds from any state. Unclaimed property can be claimed directly from state agencies at no cost, without using Claimiflo.

4.3 Claimiflo reserves the right to suspend or terminate any account suspected of using the platform to provide finder, investigator, or claims recovery services to third parties in violation of these terms.

4.4 Automated Workflow; No Substantive Human Involvement in Your Claims. The Service is automated workflow software. No Claimiflo employee or agent searches for, evaluates, selects, prepares, reviews, files, or otherwise exercises human judgment on any specific Finding or claim on your behalf. Where the Service surfaces, matches, or ranks records, that is performed by the Service's automated software, not by a person, and the results are presented to you as a workflow for your own independent review and decision. Any human assistance Claimiflo provides is limited to technical and clerical support with the operation of the platform itself (for example, login, navigation, billing, or feature questions) and does not extend to advice about, or handling of, the substance of any particular Finding or claim, which remains solely yours to evaluate, decide, and act upon. See Sections 3.2, 5.3, 8, and 15.6.

5. Customer Responsibilities

5.1 You are solely responsible for:

• (a) Verifying the accuracy and applicability of any Findings to your business before taking action, including determining whether any Finding actually relates to your company and whether any claim should be pursued;
• (b) Ensuring compliance with all applicable federal, state, and local laws related to unclaimed property claims;
• (c) The accuracy and completeness of all information you provide through the Service;
• (d) Maintaining the confidentiality of your account credentials;
• (e) All decisions regarding whether to pursue any particular claim and how and when to prepare, sign, and submit any claim or response;
• (f) Obtaining any required legal, tax, accounting, or regulatory advice before taking action based on information provided through the Service.

5.2 You will not use the Service to provide finder, locator, investigator, or claims recovery services to third parties, or resell, sublicense, or offer Claimiflo's features as part of a claims recovery service.

5.3 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, or exercise discretion over any claim, and does not decide whether, when, or what the Customer submits to any state. Where the Customer elects electronic submission, Claimiflo acts solely as a conduit that transmits the Customer's claim, exactly as the Customer reviewed and electronically signed it under penalty of perjury, to the state's designated system. Claimiflo does not review, alter, supplement, or independently verify the content of any submission, and does not initiate any submission absent the Customer's express, per-claim authorization and electronic signature. The Customer is solely responsible for reviewing all materials before use or submission and for ensuring their accuracy and completeness. You may not rely on the Service or any Platform Tools as a substitute for independent legal, tax, accounting, or compliance review.

5.4 Electronic Signatures and Consent to Electronic Records. You consent to transact and to receive records and disclosures electronically in connection with the Service. You agree that: (a) typed-name or click-based signatures you apply through your authenticated account constitute your electronic signature and are attributable to you and your company under the federal ESIGN Act (15 U.S.C. § 7001 et seq.) and applicable state Uniform Electronic Transactions Act (UETA) provisions; (b) where the Service transmits a claim on your election, you are the signer of that claim, including any attestation made under penalty of perjury, in your own name and capacity as the claimant; and (c) Claimiflo maintains an audit record of each per-claim authorization and electronic signature and will make your own signature records available to you on request. Certain state filings require wet-ink signatures or notarization and must be executed by you offline as described in Section 6; the Service will indicate where an electronic signature is not sufficient. You may withdraw consent to electronic records prospectively by contacting support; doing so will terminate your ability to use the Service's electronic-submission features and may require closure of your account, and any records you have already electronically signed remain valid and attributable to you. Withdrawing consent does not affect any claim you have already signed or that the Service has already transmitted on your election, or Claimiflo's retention of the records of those claims under Section 12.3.

6. State-by-State Variations

6.1 Unclaimed property laws, processes, requirements, and timelines vary significantly from state to state. Each of the 50 states, the District of Columbia, Puerto Rico, the U.S. Virgin Islands, and Guam maintains its own unclaimed property program with distinct rules and procedures.

6.2 You acknowledge and understand that:

• (a) Some states require notarized documents for claim submission, meaning documents must be signed in the presence of a licensed notary public;
• (b) Some states require wet-ink signatures, meaning actual paper documents with original handwritten signatures. Electronic signatures may not be accepted;
• (c) Some states require specific forms, supporting documentation (such as articles of incorporation, W-9 forms, or proof of identity), or additional verification steps that must be completed outside the Claimiflo platform;
• (d) Processing timelines vary dramatically by state — from weeks to over a year — and are entirely outside Claimiflo's control;
• (e) State requirements may change at any time without notice to Claimiflo or to you; and
• (f) Any information provided within the Service about state processes is for general informational purposes only and should not be relied upon as legal advice. You are responsible for confirming current requirements directly with the relevant state agency.

6.3 Claimiflo provides software tools designed to help you navigate state-by-state variations in the unclaimed property claim process. These tools may include workflow templates, suggested documentation checklists, and general process guidance. However, ultimate compliance with state-specific requirements is the Customer's sole responsibility, and the Customer must independently verify all requirements with the relevant state agency.

6.4 State Coverage. Claimiflo's state coverage falls into three categories, which may change over time and are reflected in the Service and on our website:

• Paid-tier states — states for which preparing and submitting claims through the Service requires an active paid Subscription Plan;
• Free-tier states — states for which the Service's search, tracking, and claim-submission workflow is available at no charge; and
• States Claimiflo does not currently service — states for which the Service does not provide claim tooling, and for which you may claim directly through the relevant state agency at no cost.

The current lists for each category are available within the Service. Nothing in this Section changes your ability to claim unclaimed property directly from any state agency at no cost, as described in Section 4.2.

7. Inbound Correspondence and Communications

7.1 The Service may provide tools for receiving, organizing, and displaying inbound correspondence related to unclaimed property claims, including correspondence from state agencies.

7.2 Any email addresses, correspondence channels, or communication identifiers provided through or associated with the Service are software features operated on Claimiflo's infrastructure for the sole purpose of receiving, organizing, and displaying correspondence within the platform for the Customer's own review and action. Providing this receiving-and-organizing functionality does not make Claimiflo a mailbox provider, correspondence-forwarding service, agent, or representative of the Customer, and Claimiflo does not respond to, act on, or make any decision regarding correspondence on the Customer's behalf.

7.3 Claimiflo may receive, parse, store, and display inbound correspondence and attachments within the platform for the Customer's review and action. This functionality is a software feature and does not constitute Claimiflo acting as a correspondent, agent, intermediary, or representative on the Customer's behalf.

7.4 Claimiflo does not guarantee the delivery, completeness, timeliness, accuracy, or availability of any inbound correspondence displayed within the platform. Correspondence handling depends on third-party email systems, state agency processes, and other factors outside Claimiflo's control.

7.5 The Customer is solely responsible for monitoring correspondence displayed within the platform and taking all required actions in response, including responding to state agency requests, submitting documentation, and completing follow-up steps.

7.6 Claimiflo does not respond to, or substantively correspond with, state agencies or any other parties on the Customer's behalf. Where the Customer elects electronic submission, the Service transmits the Customer's signed claim, exactly as the Customer reviewed and electronically signed it, as described in Section 5.3, and inbound correspondence is received and displayed for the Customer's own review and action as described in this Section 7. The Customer remains solely responsible for reviewing that correspondence and for all responses to, and communications with, state agencies.

8. AI and Automated Workflows

8.1 The Service may use artificial intelligence, machine learning, and automated processes to surface potential matches, generate documents, suggest workflows, and provide other outputs.

8.2 You acknowledge that AI-generated content and automated outputs are tools to assist your workflow and are not a substitute for your own review and judgment.

8.3 You agree not to submit AI-generated content to any government agency without first reviewing it for accuracy and completeness.

8.4 Claimiflo may use de-identified or aggregated data that cannot reasonably be linked back to you or your company to operate and improve the Service, including its automated and AI features. Claimiflo does not use your Customer Content to train or improve models that serve other customers, and does not sell or share your Customer Content, or any personally identifiable or company-specific information, with third parties except with the sub-processors necessary to provide the Service (for example, payment processing and email delivery) or as required by law. Any data transmitted to an external processor for Service-improvement purposes is first de-identified within Claimiflo's environment, consistent with Section 15.6.

8.5 These outputs are Platform Tools provided for the Customer's convenience and may contain errors, omissions, or inaccuracies. They may also omit applicable state-specific requirements, deadlines, forms, or documentation, and may not reflect changes in law or agency practice. The Customer must independently review all automated outputs before use or submission. Claimiflo does not guarantee the accuracy, completeness, or suitability of any automated suggestion or generated content. The Customer is solely responsible for any actions taken based on automated outputs, including any missed deadlines, claim denials, or financial losses arising from reliance on such outputs.

9. Prohibited Users and Uses

9.1 Third-Party Finders and Agents. The use of Claimiflo by third-party finders, locators, investigators, heir finders, recovery agents, or any person or entity acting on behalf of another company is expressly prohibited. Claimiflo is designed exclusively for use by authorized employees and officers of the company whose unclaimed property is being searched. If we determine that an account is being used by or on behalf of a third-party finder or agent, we reserve the right to immediately terminate the account without refund.

9.2 You agree not to:

• (a) Use the Service for any unlawful purpose or in violation of any applicable law or regulation;
• (b) Misrepresent your identity, your company, or your authority to act on behalf of the registered business entity;
• (c) Share your login credentials or allow unauthorized individuals to access the Service;
• (d) Exceed the user limits of your Subscription Plan;
• (e) Attempt to reverse-engineer, decompile, or extract the underlying code, algorithms, or data models of the Service;
• (f) Use automated tools, bots, or scripts to access the Service except through authorized APIs;
• (g) Interfere with other customers' use of the Service or the integrity of the platform;
• (h) Use Findings to file fraudulent claims, claim or attempt to claim property of any entity you do not own or are not authorized to represent (see Section 2.5), or misrepresent ownership of unclaimed property; or
• (i) Resell, sublicense, or provide access to the Service to any third party.

10. Subscription Plans, Fees, and Payment

10.1 Access to the Service's paid-tier features requires a paid Subscription Plan, subject to the free preview period and the free tier described in Section 11. Free-tier states (Section 6.4) remain available without a paid Subscription Plan.

10.2 Subscriptions are billed on a recurring basis — either monthly or annually — depending on the billing interval you select. Payment is processed through Stripe, our third-party payment processor, or by invoice issued to the billing or accounts payable contact you provide during onboarding or within your account settings.

10.2A Invoicing and Billing Contact. By providing a billing or accounts payable contact during onboarding or within your account settings, you represent and warrant that such contact is authorized to receive invoices and payment notices on behalf of your company. For invoice-billed accounts, Claimiflo will send invoices for Subscription Plan fees to that contact at the start of each billing period and payment will be due within the period specified in Section 10.3 (monthly plans) or Section 10.3A (annual plans), as applicable.

10.3 Monthly Plans. For subscriptions billed monthly, upon your affirmative election to start a paid Subscription Plan (including by upgrading from the free preview or the free tier), billing begins as follows:

• First invoice: Covers two billing periods (60 days of service) to establish the billing cycle. This advance payment ensures continuous service coverage.
• Subsequent invoices: Issued on the 1st of each billing period for the following 30 days of service.
• Payment terms: Invoices are due within 15 days of issuance.
• Accepted payment methods: Credit card, ACH bank transfer, wire transfer, or invoice billing with purchase order.

Electing a paid plan during the free preview ends the preview immediately. For monthly plans, the first invoice reflects the new plan rate for two billing periods.

10.3A Annual Plans. For subscriptions billed annually, upon your affirmative election to start a paid annual Subscription Plan (including by upgrading from the free preview or the free tier), billing begins as follows:

• First invoice: Covers twelve (12) months of service, prepaid in advance at the discounted annual rate.
• Subsequent invoices: Issued on the annual renewal date for the following twelve (12) months of service.
• Payment terms: Invoices are due within 45 days of issuance.
• Accepted payment methods: Credit card, ACH bank transfer, wire transfer, or invoice billing with purchase order.

Electing a paid plan during the free preview ends the preview immediately. For annual plans, the first invoice reflects twelve (12) months of the new plan at the discounted annual rate.

11. Free Preview and Free Tier

11.1 New accounts may access a limited free preview of the Service for fourteen (14) days. The preview provides restricted access, including redacted finding details and limited functionality. No payment method is required to start a preview, and starting a preview does not, by itself, authorize any charge.

11.2 No Automatic Conversion to Paid. The free preview does not automatically convert into a paid subscription. Claimiflo will not charge you and will not issue an invoice for a paid Subscription Plan unless you affirmatively elect a paid plan. If you do not elect a paid Subscription Plan during or after the preview, your account will transition to Claimiflo's free tier at the end of the preview period rather than being billed.

11.3 Free Tier. Under the free tier:

• You retain access to the free-tier states described in Section 6.4, including the Service's search, tracking, and claim-submission workflow for those states, at no charge;
• Findings in paid-tier states remain visible in summary form but require an active paid Subscription Plan to prepare and submit claims; and
• No fees accrue and no invoice is issued while your account remains on the free tier.

11.4 During the preview period:

• You have access to preview features with restricted functionality;
• You may elect a paid plan at any time; electing a paid plan ends the preview immediately and begins billing for the plan you select; and
• You may cancel at any time during the preview with no charge.

11.5 Paid Billing Requires Your Election. Paid billing begins only when you affirmatively elect a paid Subscription Plan, as described in Section 10. Claimiflo does not charge a payment method or bill a billing or accounts-payable contact for a paid Subscription Plan unless you have selected that plan.

12. Cancellation

12.1 You may cancel your subscription at any time through your account settings or by contacting support.

12.2 Service continues through the end of your current paid period. No refunds are issued — the advance billing structure ensures you have service through the end of your paid period.

12.3 Your data will be retained for 90 days after cancellation, after which it may be deleted, except that records of your per-claim authorizations and electronic signatures (Section 5.4) are retained for at least seven (7) years after the associated submission, notwithstanding cancellation, to preserve the record of who authorized each claim, and except as otherwise required by law.

13. Non-Payment and Account Suspension

• If payment is not received by the due date, your account may be suspended.
• Suspended accounts are restricted to billing functions only — you may log in to update payment information and pay outstanding invoices.
• Service continues through any pre-paid period before suspension takes effect.
• To reactivate a suspended account, payment for the current billing period is required.
• Accounts lapsed beyond 30 days remain liable for all unpaid periods during the lapse. Reactivation after a lapse exceeding 30 days requires payment of all outstanding balances plus the current billing period.

14. Plan Changes

• Upgrades: Take effect immediately. You will be invoiced for the difference in plan pricing for the current period, plus the new rate going forward.
• Downgrades: Take effect at the end of the current billing period. Feature access adjusts at that time.
• Adding users or entities may be done at any time and will be reflected on your next invoice.

15. Data Ownership and Privacy

15.1 You retain ownership of all data you upload to the Service. We do not sell or share your data with third parties except as required to provide the Service (e.g., payment processing via Stripe), or as described in Sections 8.4 and 15.6.

15.2 Your data is encrypted at rest and in transit. See our Privacy Policy for full details on data handling, retention, and security.

15.3 We will notify you without undue delay, and in any event within seventy-two (72) hours of our confirmation of a breach of security affecting your Customer Content.

15.4 For purposes of the California Consumer Privacy Act (CCPA) and California Privacy Rights Act (CPRA), Claimiflo acts as a "Service Provider" and processes your data only for the specific business purposes described in these Terms and our Privacy Policy.

15.5 Our use of sub-processors (including hosting providers, payment processors, and email services) is described in our Privacy Policy. We require all sub-processors to maintain security standards consistent with our own.

15.6 Authorized Access to Customer Content. You acknowledge that although your data is encrypted at rest and in transit, encryption keys are held by Claimiflo, and authorized Claimiflo personnel may access, review, and process content you upload or transmit through the Service (including documents, attachments, correspondence, and account inputs) as reasonably necessary to the purposes below, in each case without reviewing, advising on, or intervening in the substance of any specific Finding or claim (see Section 4.4): (a) provide, operate, secure, and improve the Service; (b) respond to your Customer-initiated technical support and onboarding requests, limited to the operation of the platform; (c) investigate and prevent security incidents, abuse, fraud, or violations of these Terms; (d) comply with applicable law, regulation, subpoena, or other lawful government request; and (e) generate aggregated or de-identified statistics and improve automated features, provided that any Customer content is de-identified within Claimiflo's environment before it is transmitted to any external processor, consistent with Section 8.4. Access is limited to personnel with a legitimate need to know, is subject to the confidentiality obligations in Section 21, and access events involving Customer content are recorded in our internal audit logs.

16. Intellectual Property

16.1 The Service, including all software, design, content, and documentation, is the property of Dynamic Workflow Labs LLC and is protected by applicable intellectual property laws.

16.2 Your subscription grants you a limited, non-exclusive, non-transferable license to use the Service for your internal business purposes during the subscription term.

17. Service Availability

17.1 We strive for 99.9% uptime but do not guarantee uninterrupted service. Scheduled maintenance will be communicated in advance when possible.

17.2 We reserve the right to modify, suspend, or discontinue features of the Service with reasonable notice.

18. Warranties and Disclaimers

18.1 THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

18.2 Without limiting the foregoing, Claimiflo does not warrant:

• (a) That the Service will be uninterrupted, error-free, or secure;
• (b) That Findings will be accurate, complete, or current;
• (c) That all unclaimed property records for your company will be identified;
• (d) That any claim filed using information from the Service will be approved or result in recovery;
• (e) That state databases will be available, accurate, or complete;
• (f) That automated matching will correctly identify all records belonging to your company;
• (g) That document templates or generated forms will meet the requirements of any particular state;
• (h) That correspondence sent through the Service will be delivered or received;
• (i) Workflow Logic and Deadlines. We do not warrant that any workflows, task lists, reminders, or suggested timelines generated by the Service will identify all required steps, correspond to applicable state deadlines, or prevent missed deadlines, denials, or delays. You are solely responsible for tracking and meeting all filing and response deadlines.
• (j) Professional Advice. We do not provide legal, tax, accounting, regulatory, or other professional advice. Any information, template, or suggestion in the Service is for general informational purposes only and must not be relied upon as a substitute for professional advice from your own advisors.

19. Limitation of Liability

19.1 TO THE MAXIMUM EXTENT PERMITTED BY LAW, CLAIMIFLO SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING OUT OF OR RELATED TO YOUR USE OF THE SERVICE.

19.2 OUR TOTAL LIABILITY FOR ANY CLAIMS ARISING UNDER THESE TERMS SHALL NOT EXCEED THE AMOUNT PAID BY YOU FOR THE SERVICE IN THE TWELVE (12) MONTHS PRECEDING THE EVENT GIVING RISE TO THE CLAIM.

19.3 Without limiting the foregoing, Claimiflo shall not be liable for:

• (a) Any loss arising from decisions you make based on Findings or other information provided through the Service;
• (b) Any loss arising from the rejection, denial, or delay of any claim filed with a state agency;
• (c) Any loss arising from inaccurate, incomplete, or outdated data in state unclaimed property databases;
• (d) Any loss arising from unauthorized access to your account;
• (e) Any loss arising from third-party services integrated with the Service (e.g., Stripe, email providers);
• (f) Any loss arising from changes to state unclaimed property laws, regulations, or procedures;
• (g) Any loss arising from the Customer's failure to review, verify, or independently validate any output of the Service;
• (h) Any loss arising from software errors, bugs, misconfigurations, or downtime in the Service;
• (i) Any loss arising from missed or late filings, missed deadlines, or procedural defects in any claim, including where you used the Service to track or manage such filings; or
• (j) Any loss arising from your failure to obtain independent legal, tax, accounting, or regulatory advice.

19.4 Exceptions. The limitations in this Section 19 do not apply to liability arising from: (a) gross negligence or willful misconduct; (b) breach of confidentiality obligations regarding Customer data; or (c) fraud.

20. Indemnification

20.1 Your Indemnification. You agree to indemnify, defend, and hold harmless Claimiflo and its officers, directors, employees, and agents from and against any claims, damages, losses, liabilities, and expenses (including reasonable attorneys' fees) arising out of or related to:

• (a) Your use of the Service;
• (b) Your violation of these Terms;
• (c) Your violation of any applicable law or regulation;
• (d) Any claim filed with a state agency based on information provided through the Service;
• (e) Any dispute between you and a state agency regarding an unclaimed property claim;
• (f) Your provision of inaccurate, incomplete, or misleading information through the Service;
• (g) Any unauthorized use of your account; or
• (h) Any claim arising from your breach of the eligibility and use representations in Sections 2.2, 5.2, or 9.1, including any claim that you used the Service to provide finder, locator, investigator, or recovery services to any third party.

Exception to Your Indemnification. Notwithstanding Section 20.1, you have no obligation to indemnify, defend, or hold Claimiflo harmless to the extent a claim, loss, or expense arises from Claimiflo's own gross negligence, willful misconduct, or breach of these Terms.

20.2 Our Indemnification. Claimiflo will indemnify and defend you against third-party claims alleging that the Service infringes a valid United States patent, copyright, or trademark, provided that you (a) promptly notify us in writing of the claim, (b) give us sole control of the defense and settlement of the claim, and (c) cooperate with us in the defense. This is your sole and exclusive remedy, and Claimiflo's sole and exclusive liability, for any claim of intellectual property infringement.

21. Confidentiality

21.1 Each party agrees to keep the other party's confidential information confidential and to use it only for the purposes of these Terms.

21.2 Confidential information does not include information that: (a) is or becomes publicly available through no fault of the receiving party; (b) was already known to the receiving party; (c) is independently developed by the receiving party; or (d) is required to be disclosed by law.

21.3 Confidentiality obligations survive termination of these Terms for two (2) years.

22. Governing Law and Dispute Resolution

22.1 Governing Law. These Terms shall be governed by and construed in accordance with the laws of the State of California, without regard to its conflict of law provisions. The United Nations Convention on Contracts for the International Sale of Goods does not apply.

22.2 Informal Resolution. Before initiating any formal dispute resolution proceeding, you agree to first contact us at support@claimiflo.com and attempt to resolve the dispute informally for at least thirty (30) days.

22.3 Binding Arbitration. If informal resolution is unsuccessful, any dispute, claim, or controversy arising out of or relating to these Terms or the Service shall be resolved by binding arbitration administered by the American Arbitration Association (AAA) under its Commercial Arbitration Rules. The arbitration shall be conducted in Orange County, California. For any dispute in which the amount in controversy is less than twenty-five thousand dollars ($25,000), the arbitration will be conducted under the AAA's Expedited Procedures.

22.4 Class Action Waiver. YOU AGREE THAT ANY DISPUTE RESOLUTION PROCEEDINGS WILL BE CONDUCTED ONLY ON AN INDIVIDUAL BASIS AND NOT IN A CLASS, CONSOLIDATED, OR REPRESENTATIVE ACTION. YOU WAIVE ANY RIGHT TO PARTICIPATE IN A CLASS ACTION LAWSUIT OR CLASS-WIDE ARBITRATION.

22.5 Small Claims Exception. Either party may bring an individual action in small claims court for disputes within the court's jurisdictional limits.

22.6 Equitable Relief. Notwithstanding the agreement to arbitrate, either party may seek temporary or preliminary injunctive or other equitable relief in a court of competent jurisdiction to prevent the actual or threatened infringement, misappropriation, or breach of that party's intellectual property rights (Section 16) or confidential information (Section 21), without waiving the agreement to arbitrate all other disputes.

23. Modifications

We may update these Terms from time to time. Material changes will be communicated via email and/or in-app notification at least 30 days before taking effect. Continued use of the Service after changes take effect constitutes acceptance.

24. General Provisions

24.1 Entire Agreement. These Terms, together with our Privacy Policy and, for invoice-billed accounts, the Invoice Billing Terms, constitute the entire agreement between you and Claimiflo regarding the Service and supersede all prior agreements and understandings.

24.2 Severability. If any provision of these Terms is found to be unenforceable, the remaining provisions shall continue in full force and effect.

24.3 Waiver. Our failure to enforce any provision of these Terms is not a waiver of that provision or any other provision.

24.4 Assignment. You may not assign these Terms or your account without our prior written consent. Claimiflo may assign these Terms in connection with a merger, acquisition, or sale of all or substantially all of its assets.

24.5 Force Majeure. Neither party shall be liable for any failure or delay in performance due to causes beyond its reasonable control, including natural disasters, government actions, changes to third-party databases, internet outages, or pandemic-related disruptions.

24.6 Notices. Notices to you will be sent to the email address on file for your account. Notices to Claimiflo may be sent by email to support@claimiflo.com; legal notices must also be sent in writing to Dynamic Workflow Labs, LLC, 10161 Miranda Ave, Buena Park, CA 90620. A notice is deemed received on the date sent by email (absent a bounce or error message), or three (3) business days after being deposited with a recognized courier or the U.S. Postal Service if sent by mail.

24.7 No Third-Party Beneficiaries. These Terms do not create any rights for any third party.

24.8 Headings. Section headings are for convenience only and do not affect the interpretation of these Terms.

24.9 Survival. Any provision of these Terms that by its nature should survive termination or expiration of these Terms will survive, including Sections 5.4, 12.3, 15, 16, 18, 19, 20, 21, and 22.

25. Contact

Questions about these Terms? Contact us at support@claimiflo.com.

Dynamic Workflow Labs, LLC
10161 Miranda Ave, Buena Park, CA 90620
Email: support@claimiflo.com
Website: www.claimiflo.com