Terms Of Service

These Terms of Service (“Terms”) govern your access to and use of the website, software, platform, and services provided by Your Virtual Adjuster, Inc. (“YVA,” “we,” “us,” “our”) at https://www.yourvirtualadjuster.com and related applications (collectively, the “Service”). By accessing or using the Service, you agree to be bound by these Terms and our Privacy Policy: https://www.yourvirtualadjuster.com/privacy-policy/.

If you do not agree with these Terms, do not access or use the Service.

You must be at least 18 years old and capable of forming legally binding contracts to use the Service. The Service is intended for use by businesses (e.g., roofing and restoration professionals) and individuals acting on behalf of such businesses.

By using the Service, you represent and warrant that you meet these eligibility requirements.

YVA provides a cloud-based platform designed to assist roofing and storm restoration professionals with managing property insurance claims (“Service”). The Service includes tools for unified communication, claims handling, document and photo uploads, notifications, and workflow support. Use of the Service is subject to these Terms.

Your use of the Service does not generally involve direct payments to YVA. Fees for claim handling and recovery services may be charged by third-party service providers (e.g., public adjusting companies) to the insured or claim recipient participating in the claims process. Any such fees are determined and collected outside of the YVA platform, and YVA is not responsible for billing or payment disputes between users and third-party providers.

We may disclose aggregated information and other anonymous data to third parties without restriction. We may disclose personal information or data without your permission under the following circumstances:

• To third party service providers such as entities providing customer service, email delivery, auditing, hosting our website and other services.
• To our affiliates, contractors, service providers and other third parties we use to support our business or deliver insurance-related services to you.
• To third parties involved with events that you register for, to facilitate your participation in those events.
• To fulfil any purpose for which you provide such information.
• For any other purpose disclosed by us when you provide the information.
• To an insurance carrier, agent or credit reporting agency to detect, prevent or prosecute actual or potential criminal activity, fraud, misrepresentation, unauthorized transactions, claims or other liabilities in connection with an insurance transaction.
• To comply with any court order, law or legal process, government or regulatory request.
• To enforce or apply our Terms of Use located here and other agreements between you and us.
• If we believe disclosure is necessary or appropriate to protect the rights, property, or safety of us, our affiliates, customers or service providers.
• To a buyer or other successor in the event of a merger, divestiture, restructuring, reorganization, dissolution or other sale or transfer of some or all of our assets, whether as a going concern or as part of bankruptcy, liquidation or similar proceeding, in which personal information held by us about users of our Site is among the assets transferred.
• For any other purpose with your consent.

To use certain features of the Service, you must create an account with accurate, current, and complete information. You are responsible for safeguarding your account credentials and for any activity that occurs under your account.

You agree:

• Not to share your account with others.

• To secure your login credentials.

• To notify YVA immediately of any unauthorized use.

We may suspend or terminate accounts that are inactive, fraudulent, or violate these Terms.

Users may upload, submit, or transmit data, photos, text, comments, files, or other content through the Service (“User Content”). By uploading User Content, you grant YVA a worldwide, perpetual, irrevocable, royalty-free, sublicensable, transferable license to use, copy, modify, distribute, prepare derivative works, display, and otherwise exploit such User Content for internal operations, analytics, platform improvement, and related uses.

You represent and warrant that:

• You own or control all rights in the User Content.

• Your User Content does not violate any third-party rights or applicable law.

• You will not upload harmful, illegal, defamatory, or infringing content.

YVA reserves the right to remove, edit, or refuse to host any User Content for any reason at any time.

You agree not to use the Service to:

• Violate any applicable law or regulation;

• Infringe any intellectual property or privacy rights;

• Upload viruses, malware, or harmful code;

• Reverse-engineer, decompile, or attempt to derive source code;

• Interfere with or disrupt the integrity of the Service;

• Circumvent any restrictions or security features.

Violations may result in immediate account termination.

The Service may integrate with or link to third-party software or services. Your use of third-party services is subject to the terms of those providers. YVA does not guarantee compatibility or availability of third-party services and is not responsible for their performance, data handling, or privacy practices.

YVA does not currently permit login via third-party credentials (e.g., Google or Facebook).

All content, features, functionality, trademarks, logos, and software on the Service are owned by YVA or its licensors and are protected by U.S. and international intellectual property laws.

You may not copy, modify, distribute, sell, or lease any part of the Service without YVA’s prior written consent.

By using the Service, you consent to receive communications from YVA, including:

• Email notifications;

• SMS/text messages;

• Push notifications.

These communications may be related to account activity, claim updates, marketing, surveys, or Service improvements. You may opt out of marketing messages as described in the Privacy Policy, but essential transactional messages (e.g., account changes or claim steps) may still be delivered.

THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE,” WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED. YVA DOES NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, OR SECURE, NOR THAT DEFECTS WILL BE CORRECTED.

YVA DISCLAIMS ALL WARRANTIES, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, YVA AND ITS AFFILIATES SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR EXEMPLARY DAMAGES ARISING OUT OF OR IN CONNECTION WITH THE SERVICE, INCLUDING LOST PROFITS, BUSINESS INTERRUPTION, OR LOSS OF DATA.

YVA’S TOTAL AGGREGATE LIABILITY FOR ANY CLAIM ARISING OUT OF OR RELATING TO THE SERVICE SHALL NOT EXCEED $25 USD.

You agree to indemnify and hold harmless YVA and its officers, directors, employees, agents, and affiliates from:

• Claims arising from your use of the Service;

• Your violation of these Terms;

• Your violation of applicable law.

This obligation survives termination of your account.

YVA may suspend or terminate your access at any time for any reason. Upon termination:

• Your right to use the Service ends;

• YVA may delete or de-identify your account and data.

Users may terminate their account by contacting support or through account settings if available.

These Terms and any dispute arising out of them are governed by the laws of the State of Florida, United States, without regard to conflict of law principles.

Arbitration:

Any dispute, claim, or controversy arising out of or relating to these Terms or the Service shall be resolved by binding arbitration administered by the American Arbitration Association under its Commercial Arbitration Rules. The arbitration shall take place in Broward County, Florida. Judgment on the award may be entered in any court having jurisdiction.

You and YVA each waive the right to a trial by jury.

YVA may update these Terms from time to time. We will post updated Terms on the website and indicate the “Effective Date.” Your continued use of the Service after notice constitutes acceptance of the revised Terms.

Your Virtual Adjuster, Inc.

3127 West Hallandale Beach Boulevard, Suite 102

Hallandale Beach, Florida 33009

Email: support@yva.claims

Phone: 855-775-7550