Terms of Service

Last updated: 3 October 2026

1. Acceptance of Terms

By accessing or using ClaimRights ("the Service", "we", "us"), you agree to these Terms of Service. If you do not agree, please do not use the Service.

2. Description of Service

ClaimRights is a self-help platform that helps Indian health insurance policyholders understand their claim rejection and generate draft escalation documents (such as an Internal Appeal Letter, IRDAI Bima Bharosa Complaint, Insurance Ombudsman Complaint, and Consumer Court Complaint), based on information you provide and/or information automatically extracted from a document you upload.

3. Not Legal Advice

ClaimRights is an educational, self-help tool. It does not provide legal advice, and using it does not create an attorney-client relationship of any kind. Documents generated are templates that you must personally review, verify, and — where appropriate — have checked by a qualified professional before submitting them to any insurer, regulator, or court. We do not guarantee that any claim will be approved, overturned, or resolved in your favor.

Our website chat assistant is an automated tool that answers questions using only the information published on this website. It is not a lawyer, its answers are general information rather than legal advice, and nothing you type is sent to our team unless you choose to forward it.

4. Accuracy of Extracted Information

Our document-reading feature uses automated text-recognition technology to suggest values (such as your policy number, claim amount, or denial reason) from an uploaded letter. This process can make mistakes, especially with low-quality photos or unusual document formats. You are solely responsible for reviewing and correcting all fields before generating or submitting a document.

5. Eligibility

You must be at least 18 years old and capable of forming a binding contract under Indian law to use this Service.

6. Accounts

You are responsible for maintaining the confidentiality of your account access and for all activity that occurs through your account. Notify us immediately at support@claimrights.in if you suspect unauthorized use.

7. Free Service (Public Pilot)

The Service, including document generation and downloads, is currently provided free of charge as part of a public pilot. No payment is collected and no payment details are requested. We are running this pilot to learn how the Service is used and to gather feedback before deciding on any future pricing.

8. Future Pricing Changes

We may introduce pricing for some or all features of the Service in the future. If we do, we will announce the change clearly in advance on the Service itself, and it will apply only to use of the Service from that point onward. Nothing will be charged retroactively, and no refund policy applies while the Service remains free, since no payment is collected. Our payment processor, Razorpay, remains integrated in our systems in case pricing is reintroduced, but is not currently active or charging any user.

9. Intellectual Property

The templates, wording, design, and underlying technology of ClaimRights are our property or that of our licensors. You are granted a limited, personal, non-transferable license to use any document you generate for your own individual insurance claim. You may not resell, redistribute, or repurpose our templates for commercial use.

10. Prohibited Use

You agree not to use the Service to submit false or fraudulent information to any insurer, regulator, or court, or for any unlawful purpose.

11. Limitation of Liability

To the maximum extent permitted by law, ClaimRights shall not be liable for any indirect, incidental, or consequential damages arising from your use of the Service, including the outcome — positive or negative — of any insurance claim, grievance, or legal proceeding.

12. Third-Party Services

The Service relies on third-party providers, including Supabase (authentication/database), Razorpay (payments, currently inactive during our free pilot), Resend/ImprovMX (email), and OpenAI (reads the text extracted from an uploaded letter, to verify it is genuine and extract its details). We are not responsible for outages or issues originating from these providers, though we will make reasonable efforts to assist you.

13. Termination

We may suspend or terminate access to the Service for any account found to be in violation of these Terms.

14. Governing Law

These Terms are governed by the laws of India. Any disputes shall be subject to the exclusive jurisdiction of the courts of Indore, Madhya Pradesh.

15. Changes to These Terms

We may update these Terms from time to time. Continued use of the Service after changes are posted constitutes acceptance of the revised Terms.

16. Contact Us

Questions about these Terms can be sent to support@claimrights.in.