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 individual or company 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 an unclaimed property record discovered through the Service's search and matching tools.
• "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.

3. Description of Services

3.1 Claimiflo provides a workflow management platform that helps businesses organize and track unclaimed property records discovered across 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 identified through 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 — all claim submissions are made by you as the claimant.

4.2 Your subscription fee is for access to the Claimiflo platform and is not a finder's fee, commission, or percentage of any recovery. 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.

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, 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 may not rely on the Service or any Platform Tools as a substitute for independent legal, tax, accounting, or compliance review.

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.

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 tools for receiving and organizing correspondence within the platform. Claimiflo is not a mailbox provider, correspondence forwarding service, agent, or representative.

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 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.

8. AI and Automated Workflows

8.1 The Service may use artificial intelligence, machine learning, and automated processes to identify potential Findings, 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 anonymized, aggregated data to improve the Service's AI capabilities. No personally identifiable information or company-specific data is shared externally for this purpose.

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 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 requires a paid Subscription Plan, subject to the free preview period described in Section 11.

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 fourteen (14) days of the invoice date.

10.3 Upon trial expiration or plan upgrade, 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.

Plan upgrades during the trial end the trial immediately. The first invoice reflects the new plan rate for two billing periods.

11. Free Preview

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.

11.2 If you do not cancel your account before the end of the 14-day preview period, your account will convert to a paid subscription on day fifteen (15) and billing for your selected Subscription Plan will begin. By creating an account and accessing the Service, you authorize Claimiflo to charge your payment method on file or to issue invoices to your designated billing or accounts payable contact for Subscription Plan fees beginning on day fifteen (15) and on each renewal date thereafter, unless you cancel in accordance with Section 12.

11.3 During the preview period:

• You have access to preview features with restricted functionality.
• You may upgrade to any plan at any time; upgrading ends the trial immediately and billing begins.
• You may cancel at any time during the preview with no charge.

11.4 Invoicing After Preview. If you do not provide a credit card or other electronic payment method during the preview period, you agree that Claimiflo may bill your company by issuing invoices to the billing or accounts payable contact on file. Invoices for Subscription Plan fees will be issued beginning on day fifteen (15) and thereafter at the start of each billing period unless you cancel in accordance with Section 12.

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.

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).

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 of any data breach affecting your data within seventy-two (72) hours of discovery.

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.

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;
• (h) Any claim by a state agency or regulator that you acted as an unlicensed finder, locator, investigator, or recovery agent; or
• (i) Any claim alleging that your use of the Service violated state-specific finder laws, fee caps, waiting periods, licensing requirements, or other unclaimed property regulations.

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.

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.

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, 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 should be sent to support@claimiflo.com.

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.

25. Contact

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

Dynamic Workflow Labs LLC
Buena Park, California
Email: support@claimiflo.com
Website: www.claimiflo.com