Effective Date: June 1, 2026 Last Updated: June 1, 2026
Welcome to askanadjuster.com (the “Website”). This Terms of Use Agreement (the “Agreement”) is made and entered into by and between you and Ask An Adjuster LLC (the “Company”, “us”, “we”, or “our”). This Agreement sets forth the terms and conditions that govern your use of and access to the Website (including all subdomains, such as app., portal., go., and members.askanadjuster.com) and any products, materials, information, lead capture forms, communications, and services provided by or on the Website (collectively, the “Services”).
IMPORTANT NOTICE — MARKETING CONSENT. By accepting these Terms, submitting any form on the Website, providing your phone number or email address, or otherwise contacting us, you expressly agree and consent to be contacted by Ask An Adjuster LLC by phone call, SMS/text message, email, AI voice agent, pre-recorded voice, and automated systems for marketing, promotional, transactional, and service-related purposes. Consent is not a condition of any purchase. You may opt out at any time. See Section 4 below for full details.
1.0 Acceptance of this Agreement.
1.1 Acceptance Through Using or Accessing the Services.
Please review the following terms carefully. By accessing or using the Services — including by clicking “accept” or “agree” to this Agreement when prompted, submitting any contact, intake, quote, inspection, or lead capture form, requesting a callback, opting in to receive marketing communications, providing your phone number or email address, or otherwise providing your information to us — you agree to be bound by the terms and conditions of this Agreement, including the prior express written consent to be contacted for marketing and informational purposes set forth in Section 4 below, on behalf of yourself or the entity or organization that you represent. If you do not agree to the terms and conditions of this Agreement, you may not use or access the Services and must exit the Website immediately.
1.2 Eligibility Requirements to Use or Access the Services.
To use the Website or any other Services, you must be (i) at least 18 years old, (ii) a resident of the United States or legal resident of another country, and (iii) not a competitor of or using the Services for purposes that are competitive with the Company.
By accessing or using the Services, you represent and warrant that you meet all the foregoing eligibility requirements. You also represent and warrant that you have the right, authority, and capacity to enter into this Agreement on your behalf or the entity or organization that you represent. If you do not meet all these requirements, you may not use or access the Services.
1.3 Changes to this Agreement.
The Company reserves the right to change this Agreement from time to time in its sole discretion. Except for changes made for legal or administrative purposes, the Company will provide reasonable advance notice before the changes become effective. All changes will apply to your use of and access to the Services from the date the changes become effective and onwards. For new users, the changes will be effective immediately.
Your continued use of or access to the Services following any changes to this Agreement shall constitute your acknowledgment of such changes and agreement to be bound by the terms and conditions of such changes. You should check this page frequently so that you are aware of any changes since they are binding on you.
1.4 Definitions.
“AI Features” means any functionality of the Services that uses machine learning, generative AI, natural-language, vision, speech or other automated decisioning to generate, transform, analyze, classify, summarize, or route content or communications (including AI chatbots, voice agents, lead qualification, and intake automation). “AI Inputs” means content, data, prompts, files, audio, photos of property damage, or other material you (or users under your account) submit to AI Features. “AI Outputs” means content or other results produced by AI Features for you. “Model Providers” means third-party vendors and sub-processors that power AI Features. “Lead Information” means any contact details, property information, claim details, photos, or other information submitted by a visitor through the Website’s intake, contact, or marketing forms.
2.0 Access to the Services.
(a) Changes to Your Access and the Services.
The Services may change from time to time as the Company evolves, refines, or adds more features to the Services. The Company reserves the right to modify, withdraw, or discontinue the Services, in whole or in part, at any time without notice to you. You agree that the Company shall have no liability to you or any third party for any losses or damages caused by the Services not being available, in whole or in part, at any time or for any period.
(b) Submitting Lead Information / Creating an Account.
You may be required to provide certain information about yourself (including name, address, phone number, email, property address, and details about your claim or property) to access the Services or to request a consultation, inspection, quote, or other service from the Company. You promise to provide us with accurate, complete, and updated information. If you connect to any Services with a third-party service, you grant us permission to access and use your information from such service as permitted by that service. All information that you provide will be governed by our Privacy Policy. You consent to all actions that we may take with respect to your information consistent with our Privacy Policy, including contacting you by phone, SMS/text, or email regarding your inquiry and related services.
(c) Account Responsibilities.
If you are issued an account (including any client portal or member portal), you are entirely responsible for maintaining the confidentiality of your password and account, and for any and all activities associated with your account. Your account is personal to you and you agree not to provide any other person with access to the Services using your username, password, or other security information. You should ensure that you exit from your account at the end of each session. You may not transfer your account to anyone else without our prior written permission. You agree to notify the Company immediately of any actual or suspected unauthorized use of your account or any other breach of security. The Company will not be liable for any losses or damages arising from your failure to comply with the above requirements.
(d) Reasonable Use Policy.
Any unlimited or unmetered features of the Services are subject to a Reasonable Use Policy to ensure the highest quality of service for all of our visitors and clients. We reserve the right to define what constitutes “reasonable use” at our sole discretion. If we determine that your use of the Services is not in accordance with our Reasonable Use Policy, we may, at our discretion, either offer a different service plan, impose additional charges, employ other means of providing service (including but not limited to AI), or suspend or terminate the Services for breach of this policy.
(e) Termination or Deletion of an Account.
The Company shall have the right to suspend or terminate your access, account, or use of the Services at any time in our sole discretion for any or no reason, including if we determine that you have violated any terms or conditions of this Agreement.
(f) AI Feature Availability.
AI Features may be modified, rate-limited, or discontinued at any time, and may rely on third-party providers. We may process AI Inputs/Outputs with such providers to operate, support, improve, and secure the AI Features.
(g) Reasonable Use (AI).
AI Features are subject to our Reasonable Use Policy. Excessive token/compute usage, automated scraping, or abusive load may require plan changes, throttling, or suspension.
3.0 Policy for Using the Services.
3.1 Prohibited Uses.
You may use the Services for lawful purposes only and in accordance with this Agreement. You agree not to use the Services in any way that could damage the Services or general business of the Company. You may use the Services for any business or commercial purpose that is not competitive with the Company.
3.2 Prohibited Activities.
You further agree not to engage in any of the following prohibited activities in connection with using the Services:
(a) No Violation of Laws or Obligations. Violate any applicable laws or regulations (including intellectual property laws, public adjuster licensing laws, insurance laws, telemarketing/communications laws such as TCPA and CAN-SPAM, and right of privacy or publicity laws) or any contractual obligations.
(b) No Unsolicited Communications. Send any unsolicited or unauthorized advertising, promotional materials, spam, junk mail, chain letters, or any other form of unsolicited communications, whether commercial or otherwise.
(c) No Impersonation. Impersonate others or otherwise misrepresent your affiliation with a person or entity in an attempt to mislead, confuse, or deceive others, including misrepresenting yourself as a policyholder, contractor, public adjuster, or insurance professional.
(d) No Harming of Minors. Exploit or harm minors in any way, including exposing inappropriate content or obtaining personally identifiable information.
(e) Compliance with Content Standards. Upload, display, distribute, or transmit any material that does not comply with the Content Standards set out below in this Agreement.
(f) No Interference with Others’ Enjoyment. Harass or interfere with anyone’s use or enjoyment of the Services, or expose the Company or other users to liability or other harm.
(g) No Interference or Disabling of the Services. Use any device, software, or routine that interferes with the proper working of the Services, or take any action that may interfere with, disrupt, disable, impair, or create an undue burden on the infrastructure of the Services.
(h) No Monitoring or Copying Material. Copy, monitor, distribute, or disclose any part of the Services by automated or manual processes, devices, or means. This includes using automatic devices such as robots, spiders, offline readers, crawlers, or scrapers to strip, scrape, or mine data from the Website; provided, however, that the Company conditionally grants to the operators of public search engines revocable permission to use spiders to copy materials from the Website for the sole purpose of and solely to the extent necessary for creating publicly available searchable indices, but not caches or archives.
(i) No Viruses, Worms, or Other Damaging Software. Upload, transmit, or distribute to or through the Services any viruses, Trojan horses, worms, logic bombs, or other materials intended to damage or alter the property of others, including attacking the Services via a denial-of-service or distributed denial-of-service attack.
(j) No Unauthorized Access or Violation of Security. Violate the security of the Services through (i) any attempt to gain unauthorized access to the Services or to other systems or networks connected to the Services, (ii) the breach or circumvention of encryption or other security codes or tools, or (iii) data mining or interference to any server, computer, database, host, user, or network connected to the Services.
(k) No Reverse Engineering. Reverse engineer, decompile, or otherwise attempt to obtain the source code or underlying information of or relating to the Services.
(l) No Collecting User Data. Collect, harvest, or assemble any data or information regarding any other user or visitor without their consent. This includes emails, usernames, passwords, claim details, or property information.
(m) No Lead Resale or Diversion. Submit Lead Information on behalf of any third-party lead vendor, marketing affiliate, or competitor for the purpose of harvesting, reselling, or diverting leads away from the Company.
(n) No False Phone, Email, or Identity Information. Submit any phone number, email address, or identity that you do not own, control, or have the legal authority to use. Submission of another person’s contact information constitutes fraud and a material breach of this Agreement. You agree to indemnify the Company in full for any TCPA, FTSA, or similar claim arising from contact information you submitted that did not belong to you.
(o) No Spoofing or Robocall Misuse. Use the Services in connection with caller-ID spoofing, robocall campaigns, lead generation telemarketing, predictive dialing, or any other automated voice, SMS, or messaging system that would violate the Telephone Consumer Protection Act (“TCPA”), the Florida Telephone Solicitation Act (“FTSA”), CAN-SPAM, or any state mini-TCPA statute.
(p) No Other Interference. Otherwise attempt to interfere with the proper working of the Services.
(q) Attempt or Assist Others in Attempting. Attempt any of the foregoing or assist, permit, or encourage others to do or attempt any of the foregoing.
(r) Hiring of Current or Past Ask An Adjuster Employees & Contractors. Hiring a current or past Ask An Adjuster employee or contractor (engaged by the Company within the last 180 days) without the Company’s prior written consent will incur a fee equal to 50% of the annual compensation of the employee or contractor.
3.3 Geographic Restrictions.
(a) The Company is based in the United States and licensed to provide public adjusting services in select states. The Services are intended for use by persons located in the United States. By choosing to access the Services from any location other than the United States, you accept full responsibility for compliance with all local laws. The Company makes no representations that the Services or any of its content are accessible or appropriate outside of the United States.
(b) AI Jurisdictions. You represent you are not located in a jurisdiction that prohibits or restricts the use of Artificial Intelligence, and you will not use AI Features where doing so is unlawful.
3.4 AI Acceptable Use.
When using AI Features (including AI chatbots, voicebots, intake assistants, or any automated lead qualification on the Website), you agree to:
(a) Comply with law. You are solely responsible for compliance with all applicable laws and industry rules (including privacy, marketing/communications such as TCPA/CAN-SPAM, IP, consumer protection, insurance and public adjusting regulations, and disclosures).
(b) No prohibited content/uses. Do not use AI Features to: (i) violate rights (privacy, publicity, IP), (ii) deceive or impersonate a human where disclosure is required, (iii) generate unlawful, harmful, harassing, hateful, or violent content, (iv) produce individualized professional advice that requires a license (e.g., medical, legal, tax, financial, public adjusting) without appropriate human review and required disclosures, (v) run disinformation/astroturfing/fake reviews, or (vi) engage in high-risk, life-critical, or safety-critical decisions without appropriate human oversight.
(c) Data you submit. You will only submit AI Inputs you have the rights to use and that were collected and shared in compliance with law and your own policies. Do not input others’ sensitive or confidential data (including third-party policy documents, loss-of-use ledgers, or claim files) without authorization.
(d) Disclosure. Where required by law or platform rules, you will disclose that users are interacting with AI (e.g., voicebot/chatbot) and that content has been AI-assisted.
(e) Human oversight. You acknowledge AI Outputs may be inaccurate, incomplete, or biased and will use appropriate human review before relying on or publishing outputs. AI Outputs are not a substitute for licensed public adjuster advice.
(f) AUP incorporation. You must comply with the AI Acceptable Use Policy attached as Exhibit A, which we may update from time to time.
4.0 Lead Submissions, Communications & Marketing Consent.
4.1 Lead Submissions.
By submitting Lead Information through any form, phone call, SMS, or chat on the Website, you (a) confirm that the information you provide is accurate, complete, and that you are the rightful owner or authorized user of each telephone number, email address, and identity submitted; (b) consent to the Company contacting you using each contact method you provided to discuss your inquiry, claim, property, or related services; (c) understand that the Company may share Lead Information with affiliated public adjusters, licensed sub-contractors, and service providers as needed to respond to your request, consistent with the Privacy Policy; and (d) acknowledge that your checkbox selection, electronic signature, IP address, timestamp, user-agent string, page URL, and the disclosure text shown to you at submission will be recorded and retained by the Company as evidence of your consent under the federal Electronic Signatures in Global and National Commerce Act (“E-SIGN Act”) and Florida’s Uniform Electronic Transaction Act, Fla. Stat. § 668.50.
4.2 Prior Express Written Consent for Calls, SMS, and Pre-Recorded or AI Voice (TCPA / FTSA / CAN-SPAM).
(a) Scope of Consent. By providing a telephone number to the Company through any form, phone call, SMS, chat, email, in-person interaction, signed agreement, or other means, you provide your prior express written consent, as that term is defined under 47 C.F.R. § 64.1200(f)(9) and 47 U.S.C. § 227, for Ask An Adjuster LLC (and no other company) to contact you at each telephone number and email address you provided, for any purpose, including:
(i) responding to your inquiry, scheduling, and conducting inspections; (ii) providing claim status updates, billing, settlement notifications, and related transactional communications; (iii) sending marketing, promotional, educational, and informational messages about Ask An Adjuster’s public adjusting services; and (iv) following up on prior contact, including reactivation of dormant inquiries.
(b) Methods Authorized. Your consent authorizes the Company to contact you by: live agent, automatic telephone dialing system (“ATDS”), automated dialer, predictive dialer, artificial or pre-recorded voice, AI voice agent, ringless voicemail, SMS/text message, MMS, RCS, email, and direct mail, even if your number is listed on a federal, state, or internal Do Not Call registry. This consent satisfies the prior express written consent requirements of the TCPA (47 U.S.C. § 227 and 47 C.F.R. § 64.1200), the Florida Telephone Solicitation Act (“FTSA,” Fla. Stat. § 501.059), CAN-SPAM (15 U.S.C. § 7701 et seq.), and any analogous state mini-TCPA statute.
(c) Consent Not a Condition of Purchase. Your consent to receive calls, texts, or other communications is not a condition of purchase or of receiving any service from the Company.
(d) Florida Quiet Hours. The Company will not place marketing voice calls or marketing SMS messages to Florida residents before 8:00 AM or after 8:00 PM Eastern Time, consistent with Fla. Stat. § 501.059(3). Transactional and service-related communications are not subject to this restriction.
(e) Message Frequency and Charges. Message frequency varies and is typically 2–10 messages per claim per month. Message and data rates may apply. The Company is not responsible for charges imposed by your wireless carrier.
(f) Identification. Every marketing SMS will identify “Ask An Adjuster” or “AAA” as the sender. Every pre-recorded or AI voice message will identify the Company at the beginning of the call as required by 47 C.F.R. § 64.1200(b).
(g) Carriers and Third Parties. Wireless carriers, including but not limited to AT&T, Verizon, T-Mobile, US Cellular, and their affiliates, are not liable for delayed or undelivered messages. The Company does not share, sell, rent, or trade your telephone number or SMS opt-in data with third parties for those parties’ independent marketing purposes.
4.3 Revocation of Consent.
You may revoke your consent under § 4.2 at any time by any reasonable method, including by:
(a) replying STOP, END, CANCEL, UNSUBSCRIBE, QUIT, OPT-OUT, or REVOKE to any SMS message; (b) clicking the unsubscribe link in any marketing email; (c) emailing info@askanadjuster.com (subject: “Privacy” or “Revoke Consent”) with the subject line “Revoke Consent” and identifying the phone number or email to be removed; (d) calling (844) 344-7928 and requesting removal; (e) sending written notice to the Company at the address in Section 15; or (f) any other method that, under the totality of the circumstances, clearly communicates a request to no longer receive such communications.
The Company will honor revocations within ten (10) business days of receipt, consistent with the FCC’s April 2024 ruling on revocation (FCC 24-24). Transactional and service-related communications (e.g., claim status, scheduled appointment reminders, settlement notifications, billing) may continue after revocation of marketing consent to the extent permitted under 47 C.F.R. § 64.1200(a)(2) and applicable law. To revoke consent for transactional and service-related communications, you must also terminate any active Letter of Representation or engagement agreement with the Company in writing.
4.4 Reassigned Numbers and Ownership Warranty.
(a) Ownership Warranty. You represent and warrant that each telephone number you provide is currently assigned to you and that you are the subscriber, customary user, or authorized user of that number.
(b) Duty to Notify. You agree to promptly notify the Company in writing (at info@askanadjuster.com (subject: “Privacy” or “Revoke Consent”)) if any telephone number you provided is disconnected, reassigned, transferred, ported, or no longer belongs to you. Failure to do so will void any TCPA, FTSA, or similar claim against the Company arising out of communications sent to the reassigned number.
(c) Reassigned Numbers Database. The Company queries the FCC Reassigned Numbers Database before re-engaging dormant contacts, but is not liable for any inaccuracy in that database. The Company’s good-faith reliance on the database constitutes a complete defense under 47 U.S.C. § 227(b)(1)(F).
4.5 Proof of Consent.
You acknowledge and agree that the Company’s records of your consent — including IP address, timestamp (with time zone), user-agent string, form URL, submit button label, the disclosure text shown to you at submission, your checkbox selection, your typed name or signature (if any), the form session ID, and any subsequent communications between you and the Company — constitute conclusive evidence of your prior express written consent under the TCPA, FTSA, and E-SIGN Act, and you waive any objection to the admissibility of such records in any proceeding.
4.6 Ratification by Engagement.
If you receive a communication from the Company and continue to engage with the Company thereafter — including by replying to an SMS, returning a call, scheduling or attending an inspection, executing a Letter of Representation, accepting a settlement disbursement, or paying an invoice — such engagement constitutes additional, independent, and continuing ratification of your consent under § 4.2 and waives any prior alleged defect in consent.
4.7 Pre-Suit Notice and Cure Period.
You agree that, before filing any complaint, demand letter, or arbitration claim against the Company alleging a violation of the TCPA, FTSA, CAN-SPAM, or any analogous state communications law, you will provide the Company with thirty (30) days’ written notice at info@askanadjuster.com (subject: “Privacy” or “Revoke Consent”) identifying: (a) each allegedly unlawful communication (date, time, content, and direction); (b) the legal basis for the claim; (c) the telephone number or email address allegedly contacted without consent; and (d) the relief sought. The Company will have thirty (30) days from receipt of such notice to investigate and, if appropriate, cease communications and offer cure. This pre-suit notice and cure period is a material condition precedent to any such claim, and failure to provide it will result in dismissal of the claim and an award of the Company’s reasonable attorneys’ fees and costs incurred in defending the claim. This Section does not apply to claims that have already accrued and been served at the time of acceptance of this Agreement.
4.8 No Attorney-Client or Adjuster-Client Relationship.
Submitting Lead Information or communicating with the Company through the Website does not, by itself, create a public adjuster-client, attorney-client, or fiduciary relationship. Any such relationship is formed only upon execution of a written engagement agreement (such as a Letter of Representation) signed by both parties.
4.9 Paid Services.
Any paid services offered by the Company (including public adjusting representation, inspections, consulting, software, or training) are governed by a separate written agreement, statement of work, or letter of representation between you and the Company. This Agreement governs only your use of the Website and your submission of Lead Information.
5.0 Intellectual Property Rights.
5.1 Ownership of Intellectual Property.
You acknowledge that all intellectual property rights, including copyrights, trademarks, trade secrets, and patents, in the Services and its contents, features, and functionality (collectively, the “Content”), are owned by the Company, its licensors, or other providers of such material. The Content is protected by U.S. and international intellectual property or proprietary rights laws. Neither this Agreement nor your access to the Services transfers to you any right, title, or interest in or to such intellectual property rights. Any rights not expressly granted in this Agreement are reserved by the Company and its licensors.
5.2 License to Use the Services.
During the Term of this Agreement, the Company grants you a limited, non-exclusive, non-transferable, non-sublicensable, and revocable license to use and access the Content for personal informational purposes and for any lawful business or commercial use in accordance with this Agreement. The Content may not be used for any other purpose. This license will terminate upon your cessation of use of the Services or at the termination of this Agreement.
5.3 Certain Restrictions.
The rights granted to you in this Agreement are subject to the following restrictions:
(a) No Copying or Distribution. You shall not copy, reproduce, publish, display, perform, post, transmit, or distribute any part of the Content in any form or by any means except as expressly permitted herein.
(b) No Modifications. You shall not modify, create derivative works from, translate, adapt, disassemble, reverse compile, or reverse engineer any part of the Content.
(c) No Exploitation. You shall not sell, license, sublicense, transfer, assign, rent, lease, loan, host, or otherwise exploit the Content or the Services in any way, whether in whole or in part.
(d) No Altering of Notices. You shall not delete or alter any copyright, trademark, or other proprietary rights notices from copies of the Content.
(e) No Competition. You shall not access or use the Content in order to build a similar or competitive website, public adjusting firm, lead generation business, CRM, product, or service.
(f) Systematic Retrieval. You shall not use any information retrieval system to create, compile, directly or indirectly, a database, compilation, collection or directory of the Content or other data from the Services.
5.4 Trademark Notice.
All trademarks, logos, and service marks displayed on the Services (including “Ask An Adjuster,” the Ask An Adjuster logo, and related marks) are either the Company’s property or the property of third parties. You may not use such trademarks, logos, or service marks without the prior written consent of their respective owners.
5.5 AI Inputs/Outputs.
As between you and the Company:
(a) you retain ownership of your AI Inputs and, subject to third-party rights and applicable law, any AI Outputs;
(b) you grant the Company a worldwide, non-exclusive, royalty-free license to host, process, transmit, display, and otherwise use AI Inputs/Outputs to provide, secure, operate, troubleshoot, and improve the Services (including model quality and safety), consistent with our Privacy Policy;
(c) you are responsible for securing any third-party permissions needed for your use of AI Outputs.
6.0 User Content.
6.1 User Generated Content.
The Services may contain forms, chats, message boards, profiles, forums, photo upload tools, and other interactive features that allow users to post, upload, submit, publish, display, or transmit to other users or other persons content or materials (collectively, “User Content”) on or through the Services.
You are solely responsible for your User Content. Please consider carefully what you choose to share. All User Content must comply with the Content Standards set forth below. Any User Content you post on or through the Services will be considered non-confidential and non-proprietary (except to the extent expressly designated as confidential under a separate written agreement). You assume all risks associated with the use of your User Content. You agree that the Company shall not be responsible or liable to any third party for any User Content posted by you or any other user of the Services.
6.2 License.
You hereby grant to the Company an irrevocable, non-exclusive, royalty-free and fully paid, transferable, perpetual, and worldwide license to reproduce, distribute, publicly display and perform, prepare derivative works of, incorporate into other works, and otherwise use and exploit your User Content, and to grant sublicenses of the foregoing rights, in connection with the Services and the Company’s business including, without limitation, for promoting and redistributing part or all of the Services in any media formats and through any media channels.
You represent and warrant that you have all the rights, power, and authority necessary to grant the rights granted herein to any User Content that you submit. You hereby irrevocably waive all claims and have no recourse against us for any alleged or actual infringement or misappropriation of any proprietary rights in any communication, content, or material submitted to us. All licenses granted in this Section are subject to our Privacy Policy to the extent they relate to any User Content that contains any personally identifiable information.
6.3 Content Standards.
You agree not to send, knowingly receive, upload, transmit, display, or distribute any User Content that does not comply with the following standards (“Content Standards”). User Content must not:
(a) Violate Laws or Obligations. Violate any applicable laws or regulations (including intellectual property laws, insurance laws, and right of privacy or publicity laws), or any contractual or fiduciary obligations.
(b) Promote Illegal Activity or Harm to Others. Promote any illegal activity (including insurance fraud); advocate, promote, or assist any unlawful act; or create any risk of any harm, loss, or damage to any person or property.
(c) Infringe Intellectual Property Rights. Infringe any copyright, trademark, patent, trade secret, moral right, or other intellectual property rights of any other person.
(d) Defamatory, Abusive, or Otherwise Objectionable Material. Contain any information or material that we deem to be unlawful, defamatory, trade libelous, invasive of another’s privacy or publicity rights, abusive, threatening, harassing, harmful, violent, hateful, obscene, vulgar, profane, indecent, offensive, inflammatory, humiliating to other people, or otherwise objectionable.
(e) Promotion of Sexually Explicit Material or Discrimination. Promote sexually explicit or pornographic material, violence, or discrimination based on race, sex, religion, nationality, disability, sexual orientation, or age.
(f) Fraudulent Information or Impersonation. Contain any information or material that is false, intentionally misleading, or otherwise likely to deceive any person including, without limitation, impersonating any person, misrepresenting your identity or affiliation with any person or organization, or submitting fraudulent claim information.
(g) Endorsement by the Company. Represent or imply to others that it is in any way provided, sponsored, or endorsed by the Company or any other person or entity, if that is not the case.
6.4 Monitoring and Enforcement.
We reserve the right at all times, but are not obligated, to:
(a) Take any action with respect to any User Content that we deem necessary or appropriate in our sole discretion, including if we believe that such User Content violates the Content Standards or any other provision in this Agreement, or creates liability for the Company or any other person. Such action may include reporting you to law enforcement authorities.
(b) Remove or reject any User Content for any or no reason in our sole discretion.
(c) Disclose any User Content, your identity, or electronic communication of any kind to satisfy any law, regulation, or government request, or to protect the rights or property of the Company or any other person.
(d) Terminate or suspend your access to all or part of the Services for any or no reason, including without limitation, any violation of this Agreement.
We do not review User Content before it is posted on or through the Services, and therefore cannot ensure prompt removal of questionable User Content. Accordingly, the Company and its affiliates, and their respective officers, directors, employees or agents, assume no liability for any action or inaction regarding transmissions, communications, or content provided by any user or third party.
6.5 Copyright Infringement (Digital Millennium Copyright Act Policy).
The Company respects the intellectual property of others and expects users of the Services to do the same. It is the Company’s policy to terminate the users of our Services who are repeat infringers of intellectual property rights, including copyrights. If you believe that your work has been copied in a way that constitutes copyright infringement and wish to have the allegedly infringing material removed, please provide the following information in accordance with the Digital Millennium Copyright Act to our designated copyright agent:
(a) a physical or electronic signature of the copyright owner or a person authorized to act on their behalf;
(b) a description of the copyrighted work that you allege has been infringed;
(c) a description of the material that is claimed to be infringing or to be the subject of infringing activity and that is to be removed or access to which is to be disabled;
(d) a description of where the material that you claim is infringing is located;
(e) your contact information, including your address, telephone number, and email address;
(f) a statement that you have a good faith belief that use of the objectionable material is not authorized by the copyright owner, its agent, or under the law; and
(g) a statement by you, made under penalty of perjury, that the above information in your notice is accurate and that you are the copyright owner or authorized to act on the copyright owner’s behalf.
Please note that pursuant to 17 U.S.C. § 512(f), any misrepresentation of material fact in a written notification automatically subjects the complaining party to liability for any damages, costs, and attorneys’ fees incurred by us in connection with the written notification and allegation of copyright infringement.
Designated copyright agent for the Company:
NAME: Ask An Adjuster Support EMAIL: info@askanadjuster.com MAIL: 744 North Ave, STE A, Melbourne, FL 32934
6.6 Feedback to the Company.
If you provide the Company with any feedback or suggestions regarding the Services (“Feedback”), you hereby assign to the Company all rights in such Feedback and agree that the Company shall have the right to use and fully exploit such Feedback and related information in any manner it deems appropriate. The Company will treat any Feedback that you provide to the Company as non-confidential and non-proprietary. You agree that you will not submit to the Company any information or ideas that you consider to be confidential or proprietary.
6.7 AI-Generated Content.
AI Outputs you choose to publish or share through the Services are deemed “User Content” and must comply with §6.3 Content Standards and §3.4. You are solely responsible for such content, including any disclosures required by law.
7.0 Assumption of Risk.
The information presented on or through the Services is made available for general information purposes only and does not constitute public adjusting, legal, financial, or other professional advice. The Company does not warrant the accuracy, completeness, suitability, or quality of any such information. Any reliance on such information is strictly at your own risk. The Company disclaims all liability and responsibility arising from any reliance placed on such information by you or any other user to the Services, or by anyone who may be informed of any of its contents.
8.0 Privacy.
8.1 Privacy.
For information about how the Company collects, uses, and shares your information, please review our Privacy Policy. You agree that by using the Services you consent to the collection, use, and sharing (as set forth in the Privacy Policy) of such information.
8.2 AI Data Use.
We process AI Inputs/Outputs (and related telemetry) to operate and improve AI Features, detect abuse, and ensure safety, and may share limited data with Model Providers acting as our processors. We implement reasonable technical and organizational measures appropriate to the risk. Additional details are in our Privacy Policy.
9.0 Termination.
9.1 Termination.
The Company may suspend or terminate your access or rights to use the Services at any time, for any reason, in our sole discretion, and without prior notice, including for any breach of the terms of this Agreement. Upon termination of your access or rights to use the Services, your right to access and use the Services will immediately cease. The Company will not have any liability whatsoever to you for any suspension or termination of your rights under this Agreement, including for termination of your account or deletion of your User Content. If you have registered for an account, you may terminate this Agreement at any time by contacting the Company and requesting termination.
9.2 Effect of Termination.
Upon termination of this Agreement, any provisions that by their nature should survive termination shall remain in full force and effect. This includes, without limitation, ownership or intellectual property provisions, warranty disclaimers, limitations of liability, indemnification, and dispute resolution. Termination of your access to and use of the Services shall not relieve you of any obligations arising or accruing prior to termination or limit any liability that you otherwise may have to the Company or any third party. You understand that any termination of your access to and use of the Services may involve deletion of your User Content associated with your account from our databases.
10.0 No Warranty.
THE SERVICES ARE PROVIDED ON AN “AS-IS” AND “AS AVAILABLE” BASIS. USE OF THE SERVICES IS AT YOUR OWN RISK. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE SERVICES ARE PROVIDED WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, QUIET ENJOYMENT, ACCURACY, OR NON-INFRINGEMENT.
WITHOUT LIMITING THE FOREGOING, THE COMPANY AND ITS LICENSORS DO NOT WARRANT THAT THE CONTENT IS ACCURATE, RELIABLE, COMPLETE, OR CORRECT; THAT THE SERVICES WILL MEET YOUR REQUIREMENTS; THAT THE SERVICES WILL BE AVAILABLE AT ANY PARTICULAR TIME OR LOCATION, UNINTERRUPTED, ERROR-FREE, OR SECURE; THAT ANY DEFECTS OR ERRORS WILL BE CORRECTED; THAT THE SERVICES ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS; OR THAT THE SERVICES OR ITEMS OBTAINED THROUGH THE SERVICES WILL OTHERWISE MEET YOUR REQUIREMENTS OR EXPECTATIONS. TO THE FULLEST EXTENT PROVIDED BY LAW, WE WILL NOT BE LIABLE FOR ANY LOSS OR DAMAGE TO YOUR COMPUTER SYSTEM, MOBILE DEVICE, DATA, OR OTHER PROPRIETARY MATERIAL THAT MAY RESULT FROM YOUR USE OF THE SERVICES OR YOUR DOWNLOADING OF ANY MATERIAL POSTED ON THE SERVICES. WE DO NOT WARRANT, ENDORSE, GUARANTEE, OR ASSUME RESPONSIBILITY FOR ANY PRODUCT OR SERVICES ADVERTISED OR OFFERED BY A THIRD PARTY THROUGH THE SERVICES OR THIRD-PARTY LINKS, AND WE WILL NOT BE A PARTY TO OR IN ANY WAY MONITOR ANY TRANSACTION BETWEEN YOU AND ANY THIRD-PARTY PROVIDERS OF PRODUCTS OR SERVICES OR ANY OTHER USER.
THE SERVICES WOULD NOT BE PROVIDED WITHOUT THESE LIMITATIONS. NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY YOU FROM US THROUGH THE SERVICES SHALL CREATE ANY WARRANTY, REPRESENTATION, OR GUARANTEE NOT EXPRESSLY STATED IN THIS AGREEMENT. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF IMPLIED WARRANTIES, SO THE ABOVE EXCLUSION MAY NOT APPLY TO YOU. IF APPLICABLE LAW REQUIRES ANY WARRANTIES WITH RESPECT TO THE SERVICES, ALL SUCH WARRANTIES ARE LIMITED IN DURATION TO NINETY (90) DAYS FROM THE DATE OF FIRST USE.
AI FEATURES ARE PROVIDED “AS-IS” AND “AS AVAILABLE”. WE DO NOT WARRANT THAT AI OUTPUTS ARE ACCURATE, RELIABLE, NON-INFRINGING, OR FIT FOR A PARTICULAR PURPOSE, OR THAT THEY ARE FREE FROM BIAS OR ERROR. AI OUTPUTS ARE NOT A SUBSTITUTE FOR ADVICE FROM A LICENSED PUBLIC ADJUSTER, ATTORNEY, OR OTHER PROFESSIONAL.
11.0 Limitation of Liability.
TO THE FULLEST EXTENT ALLOWED BY APPLICABLE LAW, IN NO EVENT SHALL THE COMPANY OR ITS AFFILIATES, OR THEIR RESPECTIVE LICENSORS, SERVICE PROVIDERS, EMPLOYEES, AGENTS, OFFICERS, OR DIRECTORS BE LIABLE TO YOU OR ANY THIRD PARTY FOR ANY DAMAGES OF ANY KIND, UNDER ANY LEGAL THEORY, ARISING OUT OF OR IN CONNECTION WITH YOUR USE OR INABILITY TO USE THE SERVICES, ANY THIRD-PARTY LINK, OR ANY CONTENT ON THE SERVICES OR SUCH THIRD-PARTY LINK, INCLUDING, WITHOUT LIMITATION, ANY LOSS OF USE, REVENUE, OR PROFIT, LOSS OF BUSINESS OR ANTICIPATED SAVINGS, LOSS OF DATA, LOSS OF GOODWILL, OR DIMINUTION IN VALUE, OR FOR ANY CONSEQUENTIAL, INCIDENTAL, INDIRECT, EXEMPLARY, SPECIAL, OR PUNITIVE DAMAGES WHETHER ARISING OUT OF BREACH OF CONTRACT, TORT (INCLUDING NEGLIGENCE), OR OTHERWISE, REGARDLESS OF WHETHER SUCH DAMAGE WAS FORESEEABLE AND WHETHER OR NOT THE COMPANY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. YOUR SOLE REMEDY FOR DISSATISFACTION WITH THE SERVICES IS TO STOP USING THE SERVICES.
11.1 Aggregate Cap. TO THE FULLEST EXTENT PERMITTED BY LAW, THE COMPANY’S TOTAL AGGREGATE LIABILITY TO YOU FOR ALL CLAIMS ARISING OUT OF OR RELATED TO THIS AGREEMENT, YOUR USE OF THE SERVICES, OR ANY COMMUNICATION SENT TO YOU BY THE COMPANY SHALL NOT EXCEED THE GREATER OF (A) ONE HUNDRED U.S. DOLLARS ($100.00), OR (B) THE TOTAL AMOUNT PAID BY YOU TO THE COMPANY IN THE TWELVE (12) MONTHS PRECEDING THE EVENT GIVING RISE TO THE CLAIM. THIS CAP APPLIES TO CLAIMS UNDER THE TCPA, FTSA, CAN-SPAM, AND STATE MINI-TCPA STATUTES TO THE MAXIMUM EXTENT PERMITTED BY LAW.
11.2 TCPA-Specific Liability Limits. YOU AGREE THAT (A) ANY ALLEGED VIOLATION OF THE TCPA OR FTSA IS LIMITED TO ACTUAL OUT-OF-POCKET DAMAGES AND YOU WAIVE ANY CLAIM FOR STATUTORY, MULTIPLIED, OR TREBLE DAMAGES TO THE FULLEST EXTENT PERMITTED BY LAW; (B) ANY ALLEGED VIOLATION IS SUBJECT TO THE PRE-SUIT NOTICE AND CURE PERIOD IN § 4.7; AND (C) THE COMPANY’S GOOD-FAITH RELIANCE ON YOUR CONSENT, ITS PROOF-OF-CONSENT RECORDS (§ 4.5), AND THE FCC REASSIGNED NUMBERS DATABASE (§ 4.4) CONSTITUTE A COMPLETE DEFENSE.
TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE COMPANY DISCLAIMS LIABILITY FOR LOSSES ARISING FROM YOUR RELIANCE ON OR DISTRIBUTION OF AI OUTPUTS, OR YOUR USE OF AI FEATURES IN VIOLATION OF LAW OR THESE TERMS.
SOME STATES DO NOT ALLOW THE EXCLUSION OR LIMITATION OF CERTAIN DAMAGES, SO THE ABOVE LIMITATION AND EXCLUSIONS MAY NOT APPLY TO YOU. WHERE NOT PERMITTED, THE LIMITATIONS WILL APPLY TO THE MAXIMUM EXTENT ALLOWED.
12.0 Indemnification.
You agree to indemnify, defend, and hold harmless the Company and its affiliates and their respective officers, directors, employees, agents, affiliates, successors, and permitted assigns (collectively, “Indemnified Party”) from and against any and all losses, claims, actions, suits, complaints, damages, liabilities, penalties, interest, judgments, settlements, deficiencies, disbursements, awards, fines, costs, fees, or expenses of whatever kind, including reasonable attorneys’ fees, fees and other costs of enforcing any right to indemnification under this Agreement, and the cost of pursuing any insurance providers, arising out of or relating to your breach of this Agreement or your use or misuse of the Services including, but not limited to, your User Content, your Lead Information submissions, or any actions taken by a third party using your account. The Company reserves the right, at your expense, to assume the exclusive defense and control of any matter for which you are required to indemnify us, and you agree to assist and cooperate with our defense or settlement of these claims. This indemnity includes claims arising out of or related to your use of AI Features, AI Inputs/Outputs, and any required disclosures, notices, or consents.
13.0 Disputes.
13.1 Governing Law.
All matters relating to this Agreement, and all matters arising out of or relating to this Agreement, whether sounding in contract, tort, or statute, are governed by, and construed in accordance with, the laws of the State of Florida, without giving effect to any conflict of law principles.
13.2 Pre-Suit Notice and Cure (Incorporated).
You acknowledge and agree that § 4.7 (Pre-Suit Notice and Cure Period) is a material condition precedent to any claim arising under the TCPA, FTSA, CAN-SPAM, or any analogous state communications statute. No such claim may be filed in court or arbitration until the 30-day notice and cure period has expired without cure. Any claim filed in violation of § 4.7 shall be dismissed with prejudice and you shall pay the Company’s reasonable attorneys’ fees and costs.
13.3 Mandatory Binding Arbitration.
(a) Scope. Any dispute, claim, or controversy arising out of or relating to this Agreement, the Services, any communication from the Company to you (including any alleged violation of the TCPA, FTSA, CAN-SPAM, or any analogous statute), or the breach, termination, enforcement, interpretation, or validity thereof — excluding only claims for injunctive or equitable relief to enforce intellectual property rights — shall be resolved exclusively by final and binding individual arbitration seated in Miami-Dade County, Florida.
(b) Administrator. Arbitration shall be administered by the American Arbitration Association (“AAA”) under its Consumer Arbitration Rules; provided that if the AAA is unavailable or declines, arbitration shall instead be administered by JAMS under its Streamlined Arbitration Rules and Procedures, by a single neutral arbitrator. The arbitrator shall be a retired Florida state or federal judge or an attorney with at least 15 years of consumer-finance, telecommunications, or TCPA experience.
(c) TCPA Claims Are Arbitrable. The parties expressly agree that all claims under the TCPA, FTSA, CAN-SPAM, and any state mini-TCPA statute are subject to this arbitration provision and are not exempted by any “predispute” or “consumer protection” carve-out. The arbitrator — and not any court — shall decide all threshold questions including arbitrability, scope, formation, validity, unconscionability, and enforceability of this Section.
(d) Forum. The arbitration shall be conducted in Miami-Dade County, Florida (or, at your election as a consumer, by video or telephone). You and the Company irrevocably submit to the jurisdiction of state and federal courts in Miami-Dade County, Florida, for any action to compel arbitration, enforce an arbitration award, or seek injunctive relief in aid of arbitration. You waive the defense of inconvenient forum.
(e) Fees. Each party pays its own filing fees and arbitration costs except where AAA Consumer Rules require the Company to pay; the arbitrator shall award reasonable attorneys’ fees and costs to the prevailing party unless prohibited by law.
(f) Class Action and Jury Trial Waiver. All arbitrations shall proceed on an individual basis only. You waive any right to (i) a trial by jury, (ii) participate in a class action, mass action, representative action, private attorney general action, or joint or consolidated proceeding (whether as a named plaintiff, class member, or otherwise), and (iii) consolidation of claims with any other person. The arbitrator may not consolidate or preside over any class, representative, or mass proceeding. If a court of competent jurisdiction finds the class-action waiver unenforceable as to any specific claim, only that claim shall be severed from arbitration and proceed in court on an individual basis; all other claims shall remain in arbitration.
(g) Mass Filings Protocol. If 25 or more substantially similar arbitration demands are filed against the Company within a 90-day window by the same or coordinated counsel, the demands shall be administered under AAA’s Mass Arbitration Supplementary Rules (or JAMS’ Mass Arbitration Procedures, if JAMS is the administrator), and the parties shall participate in a mandatory mediation phase before any individual arbitration proceeds.
(h) Opt-Out. You may opt out of this Section 13.3 by emailing info@askanadjuster.com (subject: “Legal Notice”) within thirty (30) days of first accepting this Agreement, with the subject line “Arbitration Opt-Out” and identifying your name, phone number, and email. Opting out of arbitration does not affect any other provision of this Agreement.
(i) Survival. This Section 13.3 survives termination of this Agreement.
YOU UNDERSTAND AND AGREE THAT BY ENTERING INTO THESE TERMS, YOU ARE WAIVING THE RIGHT TO TRIAL BY JURY, TO PARTICIPATE IN A CLASS ACTION, AND TO HAVE A COURT DECIDE MOST DISPUTES BETWEEN YOU AND ASK AN ADJUSTER LLC.
13.4 Limitation to Time to File Claims.
ANY CAUSE OF ACTION OR CLAIM YOU MAY HAVE ARISING OUT OF OR RELATING TO THIS AGREEMENT OR THE SERVICES — INCLUDING ANY CLAIM UNDER THE TCPA, FTSA, OR CAN-SPAM — MUST BE COMMENCED WITHIN ONE (1) YEAR AFTER THE CAUSE OF ACTION AROSE; OTHERWISE, SUCH CAUSE OF ACTION OR CLAIM IS PERMANENTLY WAIVED AND BARRED. This contractual limitations period shortens any longer statutory limitations period to the fullest extent allowed by law.
13.5 Equitable Relief.
Notwithstanding § 13.3, either party may seek temporary or preliminary injunctive relief in a court located in Miami-Dade County, Florida, to protect intellectual property rights, confidential information, or to prevent imminent and irreparable harm, pending resolution of the underlying dispute by arbitration.
14.0 Miscellaneous.
14.1 Waiver.
Except as otherwise set forth in this Agreement, no failure of the Company to exercise, or delay by the Company in exercising, any right, remedy, power, or privilege arising from this Agreement shall operate or be construed as a waiver thereof, nor shall any single or partial exercise of any right, remedy, power, or privilege hereunder preclude any other or further exercise thereof or the exercise of any other right, remedy, power, or privilege.
14.2 Severability.
If any term or provision of this Agreement is found by a court of competent jurisdiction to be invalid, illegal, or unenforceable, such invalidity, illegality, or unenforceability shall not affect any other term or provision of this Agreement or invalidate or render unenforceable such term or provision in any other jurisdiction.
14.3 Entire Agreement.
This Agreement, together with all documents referenced herein, constitutes the entire agreement between you and the Company with respect to the subject matter contained herein. This Agreement supersedes all prior and contemporaneous understandings, agreements, representations, and warranties, both written and oral, with respect to the subject matter hereof. For paid services, any signed Letter of Representation, Engagement Agreement, Statement of Work, or Master Services Agreement between you and the Company shall control with respect to those services.
14.4 Headings.
Headings and titles of sections, clauses, and parts in this Agreement are for convenience only. Such headings and titles shall not affect the meaning of any provisions of the Agreement.
14.5 No Agency, Partnership or Joint Venture.
No agency, partnership, or joint venture has been created between you and the Company as a result of this Agreement. You do not have any authority of any kind to bind the Company in any respect whatsoever.
14.6 Assignment.
You shall not assign or delegate any of your rights or obligations under this Agreement without the prior written consent of the Company. Any purported assignment or delegation in violation of this Section shall be deemed null and void. No assignment or delegation shall relieve you of any of your obligations hereunder. The Company may freely assign or delegate its rights and obligations under this Agreement at any time. Subject to the limits on assignment stated above, this Agreement will inure to the benefit of, be binding on, and be enforceable against each of the parties hereto and their respective successors and assigns.
14.7 Export Laws.
The Services may be subject to U.S. export control laws and regulations. You agree to abide by these laws and their regulations (including, without limitation, the Export Administration Act and the Arms Export Control Act) and not to transfer, by electronic transmission or otherwise, any materials from the Services to either a foreign national or a foreign destination in violation of such laws or regulations.
15.0 Contact Information.
Ask An Adjuster LLC Florida Public Adjusting Firm Designated Public Adjuster: Kevin Downs, FL License # D056673
- Mailing address: 744 North Ave, STE A, Melbourne, FL 32934
- General contact: info@askanadjuster.com
- Privacy requests / consent revocations: info@askanadjuster.com (subject line: “Privacy” or “Revoke Consent”)
- Legal notices / arbitration opt-outs: info@askanadjuster.com (subject line: “Legal Notice”)
- Phone: (844) 344-7928
All notices of copyright infringement claims should be sent to the designated copyright agent as provided in Section 6 (User Content). All other feedback, comments, requests for technical support, and other communications relating to the Services should be directed to info@askanadjuster.com or to the mailing address above.
Exhibit A — AI Acceptable Use Policy
Scope. This AI AUP applies to all use of AI Features under your account or through the Services (including any AI chatbot, voicebot, or intake assistant on the Website).
Legal & policy compliance. Do not use AI Features in violation of law, platform policies, or this AI AUP (e.g., privacy/data-protection rules, consumer protection, marketing/communications rules including TCPA/CAN-SPAM, insurance and public adjusting regulations, export/sanctions).
High-risk uses. Prohibited without appropriate human oversight and compliance processes: medical/health decisions, legal/tax/financial advice, public adjusting determinations, employment/credit/housing/eligibility determinations, law-enforcement or criminal-justice decisions, and operation of critical infrastructure.
Integrity & safety. No disinformation, deepfakes for deception, impersonation without disclosure, fake reviews/astroturfing, malware, fraud, insurance fraud, or security circumvention.
Hate/harassment/violence. Do not generate content that promotes or depicts illegal acts, hate, harassment, or violence.
Privacy & confidentiality. Do not input or output others’ sensitive or confidential information (including policy documents, claim files, or personal property inventories) without lawful basis and permission. Implement appropriate disclosures and consent where required.
IP & third-party rights. Do not submit Inputs that infringe others’ rights or use Outputs in ways that violate IP, publicity, or contractual restrictions.
Transparency. Where required, disclose AI assistance and that users are interacting with AI (voice/chat). Maintain clear complaint/opt-out channels.
Abuse & load. No automated scraping or abusive load. Respect rate limits and security controls.
Enforcement. We may rate-limit, suspend, or terminate access for violations of this AI AUP or §3.4.
© 2026 Ask An Adjuster LLC. All rights reserved.
