1. Agreement to Terms

These Terms of Service ("Terms") constitute a legally binding agreement made between you, whether personally or on behalf of an entity ("you"), and My Crash App ("Company", "we", "us", or "our"), concerning your access to and use of our website, mobile application, and related services (collectively, the "Service").

Our Service provides a platform for diminished value claims management, including AI-powered claim analysis, attorney connections, and insurance communication tools. By accessing or using our Service, you agree that you have read, understood, and agree to be bound by all of these Terms.

IF YOU DO NOT AGREE WITH ALL OF THESE TERMS, THEN YOU ARE EXPRESSLY PROHIBITED FROM USING THE SERVICE AND YOU MUST DISCONTINUE USE IMMEDIATELY.

2. Acceptance of Terms

By using our Service, you represent and warrant that:

• You are at least 18 years of age
• You have the legal capacity and authority to enter into this agreement
• Your use of the Service will not violate any applicable law or regulation
• You will provide accurate and truthful information
• You understand this Service relates to insurance claims and legal matters

3. Service Description

3.1 Platform Services

My Crash App provides the following services:

• Diminished Value Calculator: Automated estimation of vehicle value depreciation after accidents
• Claim Document Generation: Professional documentation for insurance communications
• Attorney Connection Service: Matching with qualified attorneys for legal representation
• AI-Powered Analysis: Document processing and claim optimization using artificial intelligence
• Insurance Communication: Automated email delivery to insurance companies
• Case Management: Progress tracking and document storage

3.2 Service Limitations

Our Service is subject to the following important limitations:

• We do not guarantee specific outcomes or settlement amounts
• Service availability may be limited by geographic location
• Some features require internet connectivity and may not work offline
• AI analysis is supplementary and should not replace professional legal advice
• Insurance company response times and acceptance are beyond our control

4. User Accounts and Registration

4.1 Account Creation

To access certain features of the Service, you must create an account. You agree to:

• Provide accurate, current, and complete information during registration
• Maintain and promptly update your account information
• Maintain the security of your password and account credentials
• Accept all risks of unauthorized access to your account and information
• Immediately notify us of any unauthorized use of your account

4.2 Account Types

• User Accounts: For individuals filing claims
• Attorney Accounts: For legal professionals providing services
• Admin Accounts: For platform administration

4.3 Account Termination

We reserve the right to terminate or suspend accounts that violate these Terms, engage in fraudulent activity, or pose a risk to other users or the platform.

5. Attorney Services and Relationships

5.1 Attorney Network

Our Service connects users with independent attorneys who:

• Are licensed to practice law in their respective jurisdictions
• Operate as independent contractors, not employees of My Crash App
• Set their own commission rates and service terms
• Are responsible for their own professional conduct and liability

5.2 Attorney-Client Relationships

• We facilitate introductions but do not represent you legally
• Individual attorneys are responsible for their own legal advice and representation
• Attorney fees and commission structures are agreed upon between you and the attorney
• We are not responsible for attorney performance or outcomes

5.3 Attorney Vetting and Standards

While we make reasonable efforts to verify attorney credentials, users should:

• Independently verify attorney licensing and standing
• Review attorney experience and track record
• Understand fee structures and agreements before engaging services
• Report any concerns about attorney conduct to us immediately

6. AI Services and Technology

6.1 AI-Powered Features

Our Service uses artificial intelligence for:

• Document analysis and processing
• Claim value estimation and optimization
• Automated communication generation
• Pattern recognition in case data
• Attorney matching based on case characteristics

6.2 AI Limitations and Disclaimers

• AI analysis may contain errors or omissions
• Results should be reviewed by qualified professionals
• AI recommendations do not guarantee insurance acceptance
• Human oversight and professional judgment remain essential

7. User Responsibilities and Conduct

7.1 Prohibited Uses

You agree NOT to use the Service to:

• Submit false, fraudulent, or misleading information
• Violate any applicable laws or regulations
• Infringe on intellectual property rights
• Harass, abuse, or harm other users or attorneys
• Attempt to gain unauthorized access to system data
• Use the Service for any illegal purpose
• Interfere with the proper functioning of the Service

7.2 Information Accuracy

You warrant that all information you provide is:

• True, accurate, and complete to the best of your knowledge
• Updated promptly when circumstances change
• Not misleading or fraudulent in any way
• Legally obtained and authorized for use

8. Fees and Payment Terms

8.1 Service Fees

Our fee structure includes:

• Platform Fees: May apply for premium features and services
• Processing Fees: For document generation and submission services
• Attorney Fees: Set independently by individual attorneys
• Commission Structure: Revenue sharing with attorneys on successful cases

8.2 Payment Processing

All payments are processed securely through third-party payment processors. We do not store payment card information on our servers.

8.3 Refunds and Cancellations

Refund policies vary by service type and will be clearly communicated at the time of purchase. Attorney fees and outcomes are subject to individual attorney agreements.

9. Privacy and Data Protection

Your privacy is important to us. Our collection, use, and protection of your personal information is governed by our Privacy Policy, which is incorporated into these Terms by reference.

By using our Service, you consent to:

• The collection and use of your information as described in our Privacy Policy
• Sharing necessary information with attorneys and insurance companies
• Data processing by our third-party service providers
• International data transfers as required for service provision

10. Intellectual Property Rights

10.1 Our Intellectual Property

The Service and its original content, features, and functionality are and will remain the exclusive property of My Crash App and its licensors. The Service is protected by copyright, trademark, and other laws.

10.2 User Content License

By submitting content to our Service, you grant us a non-exclusive, worldwide, royalty-free license to use, reproduce, modify, and display such content for the purpose of providing our services.

11. Disclaimers and Limitations

11.1 Service Disclaimers

11.2 No Legal Advice

11.3 Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, MY CRASH APP SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING WITHOUT LIMITATION, LOSS OF PROFITS, DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES, RESULTING FROM YOUR USE OF THE SERVICE.

12. Indemnification

You agree to defend, indemnify, and hold harmless My Crash App, its affiliates, licensors, and service providers from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees arising out of or relating to:

• Your violation of these Terms of Service
• Your use of the Service
• Your violation of the rights of a third party
• Any false or misleading information you provide

13. Termination

We may terminate or suspend your account and bar access to the Service immediately, without prior notice or liability, under our sole discretion, for any reason whatsoever including without limitation if you breach the Terms.

If you wish to terminate your account, you may simply discontinue using the Service. Upon termination, your right to use the Service will cease immediately.

14. Governing Law and Dispute Resolution

These Terms shall be interpreted and governed by the laws of the State of California, without regard to conflict of law provisions. Any dispute arising from these Terms shall be resolved through binding arbitration in California.

15. Changes to Terms

We reserve the right to modify or replace these Terms at any time. If a revision is material, we will provide at least 30 days notice prior to any new terms taking effect.

Your continued use of the Service after we post any modifications to the Terms will constitute your acknowledgment of the modifications and your consent to abide by the modified Terms.

16. Contact Information

If you have any questions about these Terms of Service, please contact us: