ClaimShield Terms of Service

Last updated: 1 May 2026

⚠️ Important: ClaimShield provides AI-assisted claims analysis and dispute letter drafting. ClaimShield is not a law firm and does not provide legal advice. Our analysis should not be relied upon as a substitute for independent legal advice.

1. The Service

ClaimShield provides AI-assisted insurance claims analysis and dispute document drafting services ("the Service"). By using ClaimShield, you agree to these Terms of Service.

2. Not Legal Advice

ClaimShield is a technology service. The dispute letters, analyses, and recommendations generated by our AI agents are AI-generated outputs, not legal advice. For significant claims or complex legal questions, we strongly recommend consulting a qualified legal professional.

ClaimShield makes no representation or warranty that any AI-generated output is complete, accurate, or sufficient for your purposes. You should independently verify all outputs before relying on them.

3. Pricing & Payment

Claim Audit: $199 AUD. Includes full AI analysis: policy review, claim decision analysis, discrepancy report, and recovery estimate.
Full Dispute Package: $199 AUD + 15% success fee (capped at $10,000 AUD). Includes everything in the Claim Audit plus a formal dispute letter and AFCA complaint preparation. The 15% success fee applies only if money is successfully recovered from your insurer.
Watchdog Plan: $99 AUD per month. Includes one free audit per year, policy monitoring, and alerts.

All prices are in Australian dollars (AUD) and include GST where applicable. Payment is processed securely via Stripe.

4. Success Fee

The 15% success fee under the Full Dispute Package is calculated on the total amount recovered, including any additional payment made by the insurer after the dispute letter is submitted. The fee is capped at $10,000 AUD. You agree to notify ClaimShield of any recovery within 14 days of receiving payment from your insurer.

No recovery = no success fee.

5. Refund Policy

If you are not satisfied with the analysis, you may request a refund within 7 days of purchase by emailing [email protected]. Refunds are assessed on a case-by-case basis. Once a dispute letter has been delivered, the $199 Claim Audit fee is non-refundable as the service has been fully rendered.

6. Limitation of Liability

To the maximum extent permitted by law, ClaimShield Pty Ltd's liability is limited to the amount paid for the Service. ClaimShield is not liable for:

Any decision by an insurer relating to your claim
Any outcome of a dispute with an insurer
Any consequential, indirect, or special loss or damage
Errors or omissions in AI-generated outputs

We carry professional indemnity insurance of $2 million AUD.

7. Your Obligations

You agree to:

Provide accurate and complete policy documents and claim information
Review all AI-generated outputs before sending them to your insurer
Not hold ClaimShield responsible for decisions made based on AI-generated analysis
Comply with all applicable laws

8. Intellectual Property

The ClaimShield website, AI agent system, and generated dispute letter templates are the intellectual property of ClaimShield Pty Ltd. You are granted a non-exclusive license to use the dispute letter for the purpose of pursuing your claim.

9. Privacy

Use of your personal information is governed by our Privacy Policy.

10. Governing Law

These terms are governed by the laws of Tasmania, Australia. Any disputes shall be subject to the jurisdiction of the courts of Tasmania.

11. Changes

We may update these terms from time to time. Material changes will be communicated via email.

12. Contact

ClaimShield Pty Ltd
Email: [email protected]
Tasmania, Australia