These Terms of Service (the “Terms”) are an agreement between Meridian Claim Solutions (“Meridian,” “we,” “us”) and the individual or company using our website at meridianclaimsolutions.com, our customer portal, and our estimating services (together, the “Service”). By creating an account, requesting access, or using the Service, you agree to these Terms. If you use the Service on behalf of a company, you represent that you have authority to bind that company, and “you” means that company.
Meridian is a professional estimating service for the property-restoration and insurance-claims industry. You upload your own job materials — floor plans and sketches, photographs, written or dictated damage notes, and, for our estimate-extract tool, existing estimate PDFs — and Meridian prepares a draft repair, mitigation, or extracted estimate and delivers it as structured data and, where applicable, an industry-standard ESX file that opens in your own estimating software.
Meridian is a drafting and production tool. It is not an insurance adjuster, appraiser, engineer, contractor, or law firm, and the Service does not provide adjusting, appraisal, engineering, or legal advice. Meridian does not determine insurance coverage, does not negotiate or settle claims, does not communicate settlement positions on anyone’s behalf, and does not determine what any carrier will or should pay. No output of the Service is a representation about what any insurance policy covers.
Every deliverable is a draft that must be reviewed before use, by you or another qualified professional. You are responsible for ensuring that whoever reviews and approves a deliverable has the qualifications its intended use requires, for reviewing each line item, quantity, and note, for applying your own pricing, and for the accuracy, completeness, and suitability of any estimate you submit, send, file, or rely on. Quantities and measurements in a draft are computed from the materials you provide and may contain errors; do not treat them as a substitute for your own inspection or measurement of the loss. Meridian flags items it is unsure about, but the absence of a flag is not an assurance of correctness.
You must provide accurate account information and keep your credentials secure; you are responsible for activity under your account. The Service is for business use by working professionals and is not directed to anyone under 18. The Service is currently offered to businesses located in the United States; use from outside the United States requires Meridian’s written approval. During periods when access is provided by invitation, we may grant, decline, or withdraw access at our discretion.
You own your content. The photos, sketches, floor plans, notes, dictation, estimate files, and other material you upload (“Customer Content”) remain yours. You grant Meridian a worldwide, non-exclusive license to host, store, reproduce, process, transmit, and display Customer Content as needed to operate the Service, prepare your deliverables, provide support, and maintain security. Some Customer Content is processed without being retained at all — the Retention section of our Privacy Policy describes what is kept and for how long.
Learning. The Service learns in two ways. First, Account Learning: your corrections and conventions inform your own account’s future drafts. Account Learning remains associated with your account while it is active (including after individual jobs are deleted) and is deleted or de-identified when your account closes. Second, platform learning: unless you opt out by writing to info@meridianclaimsolutions.com, Meridian may use genuinely de-identified and aggregated patterns derived from use of the Service to improve Meridian generally. We never disclose identifiable Customer Content to another customer, and we never use your identifiable Customer Content to create tools or models for another customer. “De-identified” means data that cannot reasonably be linked to you, your customer, a claim, or an identifiable person or property; we commit not to attempt to re-identify de-identified data and to require the same of anyone we share it with. We do not sell Customer Content.
Other people’s information. Claim materials often contain information about policyholders, property owners, and other third parties. You represent that you have the legal right to upload and process that material through a service provider, and you instruct us to process it solely to provide the Service, as described in our Privacy Policy. Do not upload Social Security numbers, financial account credentials, medical records, or government IDs unless genuinely necessary for the estimate.
Subject to these Terms and payment of applicable fees, Meridian assigns to you all right it may have in the finished estimates, ESX files, and reports prepared for you (“Deliverables”), and you may use them freely in your business — including in your own internal software and workflows — subject to Section 6. Meridian retains all rights in the Service itself: the software, models, prompts, workflows, templates, code libraries, and know-how used to produce Deliverables, and the de-identified learning described in Section 4.
You agree not to, and not to permit or assist anyone else to:
For clarity, nothing in this section limits your ordinary internal business use of your own Deliverables under Section 5.
Meridian Claim Solutions is an independent company. We are not affiliated with, endorsed by, or sponsored by Verisk Analytics, Inc. or Xactware Solutions, Inc. Xactimate® is a registered trademark of Verisk Analytics, Inc.; we deliver standard-format ESX files that open in it. You are responsible for maintaining your own licenses to any third-party software you use with our Deliverables and for your own compliance with those licenses. The same applies to any capture tools you use to create the materials you upload (for example Matterport, DocuSketch, Hover, or Encircle exports): your use of those tools is governed by their terms, not ours.
Fees, plans, included usage, and add-ons are as posted on our pricing page or set out in an order form or invoice, and may include subscription fees, usage-based line-item allowances, add-on packs, and per-order services such as rush delivery. Unless required by law or expressly stated otherwise, fees are non-refundable. Subscriptions renew automatically for successive periods at the then-current rate unless canceled before renewal; renewal terms and cancellation mechanics will be presented at checkout. We may change pricing with at least 30 days’ notice, effective at your next renewal. You are responsible for applicable taxes other than taxes on our income. We may suspend the Service for accounts with overdue amounts after notice. Work already in production when a usage allowance runs out will be completed and delivered.
Published delivery windows (for example, same-day delivery for submissions received by 2:00 PM Eastern, or rush windows) are good-faith targets, not guarantees. Complex losses, unreadable source materials, third-party outages, and volume can extend delivery. Missing a target does not entitle you to damages; where a paid rush window is missed by our fault, our responsibility is limited to refunding that rush fee.
Our Privacy Policy describes what we collect, what we deliberately do not retain, how we use information, and the service providers that process it on our behalf. It is part of these Terms.
We treat non-public Customer Content and your claim information as your confidential information and will not disclose it except to our service providers and their authorized subprocessors as described in our Privacy Policy or an applicable data-processing addendum, as you direct, or as required by law. You agree to treat non-public information about the Service — including non-public custom pricing offered specifically to you, beta features, and the Service’s methods and internals — as Meridian’s confidential information. Confidentiality obligations do not apply to information that was lawfully known to the recipient before disclosure, becomes public through no breach of these Terms, is independently developed without use of the confidential information, is lawfully received from a third party without a duty of confidentiality, or must be disclosed by law (with notice to the other party where lawful).
THE SERVICE AND ALL DELIVERABLES ARE PROVIDED “AS IS” AND “AS AVAILABLE.” TO THE MAXIMUM EXTENT PERMITTED BY LAW, MERIDIAN DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, AND ANY WARRANTY THAT DRAFTS, QUANTITIES, MEASUREMENTS, CODES, OR EXTRACTED VALUES WILL BE ACCURATE, COMPLETE, OR ERROR-FREE, OR THAT THE SERVICE WILL BE UNINTERRUPTED. NO ORAL OR WRITTEN STATEMENT BY MERIDIAN CREATES A WARRANTY.
TO THE MAXIMUM EXTENT PERMITTED BY LAW: (a) MERIDIAN WILL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR FOR LOST PROFITS, LOST CLAIMS PROCEEDS, LOST DATA, OR BUSINESS INTERRUPTION, EVEN IF ADVISED OF THE POSSIBILITY; AND (b) MERIDIAN’S TOTAL AGGREGATE LIABILITY ARISING OUT OF OR RELATED TO THE SERVICE WILL NOT EXCEED THE AMOUNTS YOU PAID TO MERIDIAN FOR THE SERVICE IN THE TWELVE (12) MONTHS BEFORE THE EVENT GIVING RISE TO THE CLAIM (OR ONE HUNDRED DOLLARS, IF GREATER). THESE LIMITS DO NOT APPLY WHERE PROHIBITED BY LAW.
You will defend and indemnify Meridian against third-party claims arising from (a) Customer Content, including claims that you lacked rights to upload it; (b) your use of Deliverables, including estimates you submit or rely on; (c) your violation of these Terms or of law; or (d) your breach of any third-party software license, including your estimating-software license — in each case except to the extent the claim results from Meridian’s breach of these Terms. Meridian will give you prompt written notice of any claim and reasonable cooperation at your expense. You control the defense with counsel reasonably acceptable to Meridian; Meridian may participate with its own counsel at its own expense; and you may not settle any claim in a way that admits fault by, or imposes obligations on, Meridian without Meridian’s written consent.
These Terms apply while you use the Service. You may stop using the Service and cancel at any time, effective at the end of your current billing period. We may suspend or terminate access for breach of these Terms, for non-payment, for legal risk, or upon discontinuing the Service; where practical we will give notice and, for a paid period we cut short other than for your breach, a pro-rata refund of prepaid fees. After termination the sequence is: you may request an export of your Customer Content for 30 days; deletion from active systems then begins and completes within 90 days of account closure; backup copies age out on our hosting provider’s standard backup schedule, except where retention is legally required. Sections 4 through 6, 11 through 14, 16, and 18 survive termination.
These Terms are governed by the laws of the State of New Hampshire, without regard to conflict-of-laws rules; the Federal Arbitration Act governs the interpretation and enforcement of this section. Before filing any claim, the parties will attempt in good faith to resolve the dispute informally for 30 days after written notice to info@meridianclaimsolutions.com. Except for small-claims matters and claims for injunctive relief relating to Sections 6 or 11, any dispute will be resolved by binding arbitration administered by the American Arbitration Association under its Commercial Arbitration Rules, seated in Hillsborough County, New Hampshire, before a single arbitrator. Both parties waive jury trial and agree claims may be brought only in an individual capacity, not as a class or representative action.
We may update these Terms as the Service evolves. Changes apply prospectively from their effective date. Material changes will be announced by email or in the portal at least 14 days before taking effect, and material changes to data-use practices will not be applied retroactively to Customer Content collected under an earlier policy without additional notice or consent where required. The current version is always posted at meridianclaimsolutions.com/terms.
These Terms, together with the Privacy Policy and any order form, are the entire agreement between us regarding the Service and supersede prior discussions. If a provision is unenforceable, the remainder stands. Failure to enforce a provision is not a waiver. You may not assign these Terms without our consent; we may assign them in connection with a merger, acquisition, reorganization (including incorporation), or sale of assets. Notices to us go to info@meridianclaimsolutions.com; notices to you go to your account email.