Terms of Service

By creating an account or using ClaimFlow, you agree to these Terms on behalf of the organization you represent (“Customer”), and you confirm you have authority to bind that organization. ClaimFlow is operated by GTMVP Inc (“ClaimFlow,” “we,” “us”), 8 The Green, Ste A, Dover, DE 19901. ClaimFlow is a business-to-business service and is not offered to consumers.

ClaimFlow provides compliance documentation and lead-attribution software for insurance agencies and call centers: call and consent recordkeeping, Scope of Appointment timestamps, retention scheduling, lead-to-policy attribution, and revenue analytics. We may improve or modify features over time; we will not materially reduce the core functionality of your plan during a paid term.

You are responsible for the accuracy of account information, the security of login credentials, and all activity under your organization’s accounts. Notify us promptly at legal@claimflow.health of any unauthorized use.

“Customer Data” means the records your organization uploads to or generates in the platform — leads, calls, consent records, quotes, policies, commissions, and related material. As between the parties, Customer owns all Customer Data. You grant us a limited license to host, process, and display Customer Data solely to provide and secure the service, support you, and meet our legal obligations. You are responsible for having the rights and consents needed to submit Customer Data to the platform.

If your Customer Data will include protected health information (PHI) as defined by HIPAA, a Business Associate Agreement between your organization and GTMVP Inc must be executed before any PHI is uploaded to the platform. You may not upload PHI until that BAA is in place. BAA execution is part of onboarding — contact legal@claimflow.healthto put one in place. Data submitted in violation of this section is submitted at Customer’s sole risk.

• •No unlawful use, including use that violates telemarketing, insurance, or privacy laws.
• •No attempting to access another customer’s data or circumvent security or tenant isolation.
• •No reselling, sublicensing, or providing the service to third parties except your own personnel and contractors bound by these Terms.
• •No reverse engineering, automated scraping of the application, or benchmarking for a competing product.

1. 1Subscriptions. Plans bill monthly in advance through Stripe at the pricing shown at claimflow.health/pricing, plus any one-time setup fee. Subscriptions renew automatically each month until cancelled.
2. 2Money-back guarantee. If you are not satisfied within 30 days of your first monthly charge, contact legal@claimflow.health for a refund of that monthly fee. The one-time setup fee is refundable only if requested before onboarding work begins; once onboarding has started, it is committed and non-refundable.
3. 3Founding members. The first five agencies with active billing receive 50% off the one-time setup fee and their monthly rate locked for as long as they remain subscribed. This offer ends automatically once five agencies have active billing.
4. 4Seasonal pricing. Where a plan includes an Annual Enrollment Period surcharge, it is disclosed on the pricing page and applies only during the disclosed window.
5. 5Cancellation. You may cancel any time; cancellation takes effect at the end of the current billing period. Fees already paid are non-refundable except as described in the money-back guarantee above or where otherwise required by law.
6. 6Taxes. Fees exclude taxes; you are responsible for applicable sales and use taxes.

The guides, checklists, and other content published on this website are general information for business planning, provided as-is. They are not a professional advisory service, and reading or applying them does not create an advisory, fiduciary, or attorney-client relationship with GTMVP Inc. Regulatory requirements change; you are responsible for confirming the requirements that apply to your organization.

ClaimFlow is a documentation and analytics tool. It helps you record, retain, and analyze your compliance and sales activity, but your organization remains solely responsible for its own compliance with all laws and program rules that apply to it — including CMS marketing requirements, TCPA, HIPAA, do-not-call rules, and state insurance regulation — and for the accuracy of the data it enters.

We own the platform, website, and all related intellectual property. If you send us feedback or suggestions, you grant us a perpetual, royalty-free license to use them without obligation.

Each party will protect the other’s non-public information with at least reasonable care, use it only to perform under these Terms, and not disclose it except to personnel and advisors who need it and are bound to confidentiality, or where required by law.

We warrant that we provide the service with commercially reasonable skill and care. Except for that, the service and website are provided “as is” and “as available,” and we disclaim all other warranties, express or implied, including merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that use of the service will ensure compliance with any law or prevent regulatory action.

To the maximum extent permitted by law: neither party is liable for indirect, incidental, special, consequential, or punitive damages, or lost profits or revenue; and each party’s total aggregate liability arising out of these Terms is capped at the fees Customer paid to us in the twelve months before the event giving rise to the claim. These limits do not apply to Customer’s payment obligations, either party’s confidentiality breaches, or Customer’s violation of Sections 5 or 6.

Customer will defend and indemnify GTMVP Inc against third-party claims arising from Customer Data, Customer’s violation of law (including telemarketing and privacy law), or Customer’s breach of Sections 5 or 6.

These Terms apply while you use the service. Either party may terminate for material breach uncured within 30 days of notice. On termination, your access ends; you may export Customer Data for 30 days after termination, after which we delete it — except where our agreement with you (including any BAA) or law requires different handling.

These Terms are governed by the laws of the State of Florida, without regard to conflicts-of-law rules. The state and federal courts located in Broward County, Florida have exclusive jurisdiction, and each party consents to venue there.

We may update these Terms; material changes will be announced by email or in-app notice at least 14 days before they take effect. Continued use after the effective date is acceptance of the updated Terms.

These Terms plus any executed order form or BAA are the entire agreement and supersede prior discussions; if those documents conflict, the BAA controls for PHI, then the order form, then these Terms. Neither party may assign this agreement without consent, except to a successor in a merger or asset sale. If a provision is unenforceable, the rest remain in effect. Questions: legal@claimflow.health.