Terms of service

These Terms of Service (the "Terms") govern your access to and use of the Estology website, application, APIs, reports, exports, and related services (together, the "Service"), operated by Estology ("Estology," "we," "us," or "our").

By creating an account, uploading a document, running a comparison, or otherwise using the Service, you agree to these Terms. If you are using the Service on behalf of a company, firm, contractor, carrier, or other entity, you represent that you have authority to bind that entity, and "you" means both you and that entity.

If you do not agree to these Terms, do not use the Service. Our Privacy Policy and Refund Policy are incorporated into these Terms by reference.

Estology is estimate comparison tooling. You upload two or three estimate documents that already exist. The Service extracts line items, quantities, unit prices, room measurements, tax and depreciation figures, and price list identifiers from those documents, aligns comparable line items across the documents, computes arithmetic differences between them, and presents the result as a report, an optional AI-assisted narrative letter, and downloadable exports.

The Service is not, and must not be relied on as, any of the following:

• an estimate, a bid, a proposal, a scope of loss, or a supplement;
• an appraisal, an umpire opinion, an adjustment, a coverage determination, or a claim decision;
• legal advice, insurance advice, public adjusting, or accounting advice;
• an audit, a certification, or an attestation of any document or party;
• a substitute for review by a licensed adjuster, licensed contractor, attorney, or other qualified professional.

You are solely responsible for reviewing every output before relying on it, sending it to anyone, filing it, or using it in any negotiation or proceeding.

• You must be at least 18 years old and legally able to enter into a contract in your jurisdiction.
• You must provide accurate account information, including name, business phone, and company, and keep it current.
• You are responsible for everything that happens under your account, including activity by anyone you give access to. Keep your credentials secret and notify us at support@estology.com if you suspect unauthorized access.
• One person, one account. Creating multiple accounts to obtain additional free comparisons, to evade a suspension, or to evade usage caps is a material breach of these Terms.

The Service supports organizations with multiple members. If you join an organization, an administrator of that organization can see, manage, export, and delete the comparisons and reports associated with the organization, including those you created. Organization administrators control seats, roles, invitations, billing, and usage pools, and may suspend a member’s access to the organization at any time; suspension does not affect that member’s own account outside the organization.

As a member you may close your own login at any time, but you cannot export or delete the organization’s records, including estimates you uploaded for it. Those requests go to an administrator. Uploaded estimates and job files are retained permanently and are not removed when a member leaves or an organization is deleted; see clause 10 of the Privacy Policy.

Where an organization pays for your access, that organization is our customer, its administrators control the account, and it is responsible for the acts and omissions of its members under these Terms.

"Your Content" means the estimates, photos, documents, notes, dictated audio, letterhead, business details, and any other material you upload or enter. As between you and us, you own Your Content. We claim no ownership of it.

You represent and warrant, for every item you upload, that:

• you have the right to upload it and to have it processed for comparison, including any rights held by the estimate's author, the property owner, the insured, or the carrier;
• doing so does not violate any contract, protective order, confidentiality obligation, license, or law that applies to you;
• you have removed, or accepted the risk of including, any personal information that you are not permitted to disclose to a service provider.

You are responsible for maintaining your own copies of your source documents. The Service is not a system of record, an archive of last resort, or a backup service.

You grant Estology a worldwide, non-exclusive, royalty-free license to host, store, copy, transmit, parse, index, display, and process Your Content solely to (a) operate, secure, maintain, and support the Service for you and your organization; (b) generate the reports, narratives, and exports you request; and (c) create de-identified data as described below. This license ends when the content is deleted from our systems, except for de-identified data and routine backups pending expiry.

De-identified data

We create de-identified, aggregated data derived from processed estimates (for example line-item codes, unit prices, quantities, trade categories, price list identifiers, and regional pricing patterns) and use it to improve extraction accuracy, matching quality, benchmarks, and product analytics. De-identified data excludes names, addresses, claim numbers, policy numbers, contact details, and other direct identifiers, and is never published or sold in a form that identifies you, your customer, a carrier's insured, or a specific property or claim. We do not sell Your Content.

You will not, and will not permit anyone to:

• upload documents you have no right to process, or documents subject to a confidentiality or protective obligation you would breach by uploading them;
• upload malware, malicious PDFs, or content designed to exploit, overload, or manipulate our parsing pipeline or the language models we use, including hidden prompt-injection text;
• reverse engineer, decompile, scrape, or attempt to derive our source code, models, matching logic, or price data, or use the Service to build a competing product;
• resell, sublicense, or provide the Service to third parties as a bureau service except through paid seats or an agreement signed by us;
• bypass usage caps, rate limits, authentication, entitlement checks, or billing;
• use the Service to commit fraud, to fabricate or alter a document, to misrepresent an output as an original estimate, or to support any unlawful purpose;
• probe, scan, or test the security of the Service except under a written authorization from us, or interfere with other customers' use.

We may investigate suspected violations and may suspend or terminate access immediately where we reasonably believe a violation creates legal risk, security risk, or risk to other customers.

Parts of the Service use large language models to draft narrative summaries and response letters from figures already extracted and arithmetically validated by our parser. Model output is generated text. It can be incomplete, awkward, mistaken about context, or wrong.

• Every AI-assisted output is a draft. You must read, verify, and edit it before use.
• You are the author and sender of any letter you send. We are not a party to your correspondence and take no position on your claim.
• Similar inputs may produce different wording. Output is not deterministic and is not guaranteed to be accurate, complete, or fit for any purpose.
• You may not represent AI-assisted output as the work product of a licensed professional who did not review it.

The Service depends on third parties, including cloud hosting, database and storage providers, payment processing by Stripe, email delivery, and AI model providers. Your use of those components through the Service is subject to their terms, and we are not responsible for their acts, omissions, outages, or changes.

Xactimate and Verisk are trademarks of their respective owners. Estology is an independent tool. It is not affiliated with, endorsed by, sponsored by, certified by, or connected to Verisk Analytics, Xactware, Xactimate, any insurance carrier, or any trade association. We use those names only to describe the document formats the Service reads.

• Pay-as-you-go. Comparisons are charged per run at the rate shown on the pricing page at the time of the run, billed to the payment method on file.
• Subscriptions. Plans include a monthly pool of comparisons and renew automatically each billing period until cancelled. Comparisons beyond the included pool are billed at the plan's overage rate. Unused comparisons roll over only as described on the pricing page and never accrue indefinitely.
• Card on file. You authorize us and our payment processor to charge your saved payment method for amounts you incur, including per-run charges, subscription renewals, and overage.
• Cancellation. You may cancel a subscription at any time from the billing page. Cancellation takes effect at the end of the current billing period. Fees already incurred are not prorated except as required by law or by our Refund Policy.
• Price changes. We may change prices with at least 30 days' notice to the email on your account. Changes apply from your next billing period.
• Failed payment. If a charge fails, we may retry, suspend access, and reserve any unpaid amount against future use.
• Taxes. Prices exclude sales, use, VAT, GST, and similar taxes. You are responsible for those amounts other than taxes on our net income.
• Chargebacks. Contact us before disputing a charge. Chargebacks filed without contacting us may result in immediate suspension and are grounds for account review.

Refunds are governed by our Refund Policy.

New accounts may run one comparison at no charge and without a card on file. The free comparison is limited to one per person, per organization, and per household or business location. We use device, network, and account signals to detect duplicate free-trial claims. If we determine that free access was obtained through duplicate or falsified accounts, we may revoke the credit, charge the standard rate for runs already performed, and suspend the accounts involved.

We aim for high availability but do not promise uninterrupted service. We may modify, add, or remove features; change parsing behavior, matching logic, model providers, or report layouts; and perform maintenance. We will not materially reduce the core comparison functionality of a paid plan during a paid period without notice.

Support is provided by email at support@estology.com on business days. No service level agreement, uptime credit, or guaranteed response time applies unless we have signed a separate written agreement with you.

The Service, including its software, parsing pipeline, matching algorithms, report designs, templates, prompts, documentation, name, logo, and all related intellectual property, is owned by Estology and protected by law. Subject to these Terms and payment of applicable fees, we grant you a limited, revocable, non-exclusive, non-transferable license to use the Service for your internal business purposes and to use, copy, and distribute the reports and letters you generate for the claim or matter they concern. No other rights are granted.

If you send us suggestions, feature requests, or other feedback, you grant us an unrestricted, perpetual, irrevocable, royalty-free right to use it for any purpose without obligation or compensation to you.

We treat Your Content as confidential and disclose it only to personnel and subprocessors who need it to operate the Service, or where legally compelled. You treat non-public information about the Service (including pricing offered to you, unreleased features, and security details) as confidential. Neither party's obligation applies to information that is public through no fault of the receiving party, was already known to it, or is independently developed.

Estology is not a law firm, an insurance company, an insurance producer, a public adjusting firm, an appraisal firm, a contractor, or a certified public accountant. No output of the Service is legal, insurance, adjusting, appraisal, construction, or accounting advice, and no attorney-client, adjuster-client, or fiduciary relationship is created by your use of the Service. Adjusting, appraising, and negotiating insurance claims are regulated activities in many jurisdictions; you are solely responsible for holding any license required for what you do with our output.

The service, all reports, narratives, exports, benchmarks, code matches, and other output are provided "as is" and "as available," with all faults and without warranty of any kind.

To the maximum extent permitted by law, we disclaim all warranties, express, implied, or statutory, including implied warranties of merchantability, fitness for a particular purpose, title, non-infringement, accuracy, and any warranty arising from course of dealing or usage of trade. Without limiting that:

• we do not warrant that extraction, alignment, code matching, measurement reading, tax or depreciation handling, or price list detection will be complete, correct, or appropriate for any document or purpose;
• we do not warrant that a comparison identifies every difference between documents, or that any identified difference is legitimate, recoverable, owed, or payable;
• we do not warrant that the Service will be uninterrupted, timely, secure, or error-free, or that defects will be corrected;
• we make no representation about the accuracy, authorship, legitimacy, or completeness of any document you upload, and none about the conduct or positions of any carrier, contractor, adjuster, or other party.

Some jurisdictions do not allow exclusion of certain warranties, so parts of this section may not apply to you.

Without limiting anything else in these Terms, Estology has no liability and accepts no responsibility for:

• the amount a carrier pays, delays, reduces, denies, or reserves on any claim, and the timing of any payment;
• any settlement, appraisal award, arbitration result, mediation result, judgment, lien, or negotiated outcome;
• any supplement that is approved, partially approved, or refused, and any scope that is accepted or rejected;
• lost profit, lost revenue, lost margin, lost overhead and profit, unrecovered depreciation, unrecovered deductible, cost overrun, or job loss;
• penalties, interest, bad-faith exposure, licensing or regulatory action, or contractual damages arising from how you used an output;
• reliance on any figure, difference, code match, benchmark, measurement, narrative, or letter produced by the Service;
• errors, omissions, or misstatements originating in a source document you uploaded, including documents that are unreadable, image-only, redacted, altered, incomplete, or in a format the parser handles imperfectly;
• decisions you, your client, your customer, your insured, or your counterparty make on the basis of an output.

Any figure produced by the Service is a computation performed on the text of the documents you supplied. It is not an opinion of value, an assurance of recoverability, or a prediction of what anyone will pay. Verify every number against the source documents before you rely on it.

To the maximum extent permitted by law, Estology and its officers, directors, employees, contractors, and suppliers will not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or for any loss of profits, revenue, business, goodwill, claim value, settlement value, or data, however caused and under any theory of liability, even if advised of the possibility of those damages.

Our total aggregate liability for all claims relating to the service in any twelve month period will not exceed the greater of (a) the amounts you actually paid us for the service in the twelve months before the event giving rise to the claim, or (b) one hundred U.S. dollars ($100).

These limits apply to all claims, whether in contract, tort, negligence, strict liability, statute, or otherwise, and survive any failure of essential purpose of a limited remedy. They allocate risk between us and are reflected in our pricing; without them we could not offer the Service at these prices. Some jurisdictions do not allow certain limitations, so parts of this section may not apply to you.

You will defend, indemnify, and hold harmless Estology and its personnel from and against any claim, demand, proceeding, loss, liability, damage, fine, penalty, cost, and expense (including reasonable attorneys' fees) arising out of or related to: (a) Your Content, including any claim that uploading or processing it infringed rights or breached an obligation; (b) your use of any output, including any correspondence, filing, negotiation, or proceeding in which you used it; (c) your breach of these Terms or of any law; and (d) your violation of the rights of any third party, including a property owner, insured, carrier, or contractor.

These Terms apply while you have an account or use the Service. You may stop using the Service and close your account at any time from the account page. Closing an account is permanent: the login cannot be reopened, and starting again means a new account. We may suspend or terminate access immediately for breach of these Terms, non-payment, suspected fraud or abuse, legal risk, or security risk, and otherwise on reasonable notice.

On termination, your license to use the Service ends. Export your data before you close your account; after closure we delete or de-identify your data on the schedule in the Privacy Policy, except uploaded estimates and job files, which are retained permanently. Sections that by their nature should survive — including sections 5, 6, 9, 13 through 20, and 22 through 25 — survive termination.

These Terms are governed by the laws of the State of Florida, United States, without regard to conflict-of-law rules, and excluding the U.N. Convention on Contracts for the International Sale of Goods. Subject to the next section, the state and federal courts located in Florida have exclusive jurisdiction, and both parties consent to venue there.

Talk to us first. Before filing anything, email support@estology.com with a description of the dispute and the relief you want. We will try in good faith to resolve it within 30 days.

Binding arbitration. If we cannot resolve it, any dispute arising out of or relating to these Terms or the Service will be resolved by final and binding arbitration administered by the American Arbitration Association under its Commercial Arbitration Rules, before one arbitrator, seated in Florida or conducted remotely. Judgment on the award may be entered in any court of competent jurisdiction.

Exceptions. Either party may bring an individual action in small-claims court, and either party may seek injunctive relief in court to protect intellectual property or confidential information.

Class action waiver: disputes will be brought only in an individual capacity, not as a plaintiff or class member in any class, collective, consolidated, or representative proceeding. Each party waives any right to a jury trial.

Any claim must be brought within one year after it accrues, or it is permanently barred, to the extent permitted by law.

We may update these Terms. When we do, we will change the "Last updated" date above, and for material changes we will give notice by email or in-app at least 14 days before they take effect. Continued use after the effective date means you accept the updated Terms. If you do not accept them, stop using the Service and cancel your subscription.

• Entire agreement. These Terms, with the Privacy Policy and Refund Policy, are the entire agreement between us and supersede prior discussions, proposals, and purchase-order terms.
• Severability. If a provision is unenforceable, it is limited to the minimum extent necessary and the rest remains in force.
• No waiver. Failure to enforce a provision is not a waiver of it.
• Assignment. You may not assign these Terms without our written consent. We may assign them in connection with a merger, acquisition, or sale of assets.
• Force majeure. Neither party is liable for delay or failure caused by events beyond its reasonable control, including outages of third-party infrastructure.
• No third-party beneficiaries. These Terms create no rights for anyone other than you and us.
• Relationship. The parties are independent contractors. Nothing here creates a partnership, joint venture, agency, or employment relationship.
• Notices. We may give notice by email to your account address or by posting in the Service. You give notice to support@estology.com.

Email us at support@estology.com. We read every message and aim to reply on business days.