Last Updated: 08/27/2025

1) Acceptance of Terms
By accessing PropertyDamage.co, creating an account, submitting a form, or using any services offered by Property Damage, LLC and its affiliates (“PropertyDamage.co,” “we,” “us,” or “our”), you agree to these Terms & Conditions (“Terms”) and our Privacy Policy. If you do not agree, do not use the Site or Services.

2) Who We Are & What We Do
PropertyDamage.co provides (a) services and tools for vehicle owners related to vehicle property damage claims and related coordination (e.g., information intake, claim documentation support, estimates coordination, rental guidance, and similar claim-support tasks), and (b) services for law firms (e.g., intake support, workflow tools, document handling, data transfer, and related services).
We may also, when requested or appropriate, facilitate introductions between users and independent third parties (e.g., law firms, body shops, rental providers, experts). We do not guarantee placement, services, or outcomes.

• Not a law firm; no legal advice. PropertyDamage.co is not a law firm and does not provide legal advice or legal representation. No attorney-client relationship is created by using the Site or Services. Any legal services, if retained, are provided solely by independent attorneys under their own engagement agreements.

• No public adjusting unless licensed. To the extent any activity would constitute public adjusting or a regulated service, such services are performed only by properly licensed third parties, not by PropertyDamage.co.

3) Eligibility & Accounts
You must be 18+ and capable of entering a binding contract. You are responsible for any activity on your account and for keeping your credentials secure.

4) Your Authorizations
By submitting information, you authorize PropertyDamage.co to use and share your information with applicable third parties (e.g., law firms, insurers, repair facilities, rental providers, experts) to provide the Services you request. You represent that all information you provide is true and accurate and that you have authority to provide it.

5) Fees & Payment
For certain Services we charge fees (to consumers and/or law firms). Pricing, scope, and billing terms may be presented at checkout, in order forms, or in a separate written agreement (e.g., service order, MSA, or work order). All fees are non-refundable unless we state otherwise in writing. You authorize us (and our payment processors) to charge the payment method you provide. You agree not to initiate chargebacks except in cases of fraud.

For law firms: Any customized services, SLAs, data handling requirements, or co-marketing arrangements will be governed by the applicable order form or separate agreement, which controls if there is a conflict with these Terms.

6) Communications Consent (Email, Phone, SMS)
By providing your contact information (including a wireless number), you agree that PropertyDamage.co and its service providers may contact you by call, text (SMS/MMS), and email regarding your inquiries, your account, and marketingabout our Services.

• TCPA disclosure. You consent to receive autodialed or prerecorded marketing and transactional texts/calls at the number you provide, even if it is on a Do-Not-Call list. Message & data rates may apply. Message frequency varies.

• Opt-out. You can opt out of SMS at any time by replying STOP. For help, reply HELP or contact support@propertydamage.co. You may also unsubscribe from marketing emails using the unsubscribe link. Consent is not a condition of purchase or use of our Services.

• Program name. PropertyDamage.co Alerts (recurring messages).

• Your responsibilities. You confirm you are the owner or primary user of the phone number provided and will notify us if the number changes. Carriers are not liable for delayed or undelivered messages.

7) E-Sign & Electronic Records
You agree to transact electronically and to receive disclosures, notices, and records via electronic means (email, SMS, site notifications). You may withdraw consent by contacting us, but doing so may limit our ability to provide Services.

8) Acceptable Use
You will not: (a) misuse or interfere with the Site; (b) submit false, misleading, or unlawful information; (c) scrape, reverse engineer, or test vulnerabilities; (d) infringe third-party rights; or (e) use the Site to send spam or unlawful communications.

9) Intellectual Property
The Site, content, logos, and software are owned by PropertyDamage.co or its licensors and are protected by IP laws. We grant you a limited, revocable, non-transferable license to access and use the Site for its intended purposes. No other rights are granted.

10) User Content & Feedback
If you submit content (text, files, images, reviews), you grant us a worldwide, non-exclusive, royalty-free license to use, host, reproduce, modify, and display it to operate and improve the Services and for marketing (subject to our Privacy Policy). Do not submit content you lack rights to.

11) Third-Party Providers & Links
We may introduce you to third-party providers. We do not control and are not responsible for third-party services, pricing, or results. Your dealings with third parties are solely between you and them. Links on our Site are for convenience only.

12) No Guarantees; Outcomes Vary
We do not guarantee any specific outcome (e.g., insurance approvals, settlement amounts, rental availability, repair timelines). All outcomes depend on the facts, coverage, provider decisions, and applicable law.

13) Disclaimer of Warranties
The Site and Services are provided “as is” and “as available” without warranties of any kind, express or implied, including warranties of merchantability, fitness for a particular purpose, title, and non-infringement. We do not warrant uninterrupted or error-free operation.

14) Indemnification
You agree to indemnify, defend, and hold harmless PropertyDamage.co, its affiliates, and their officers, directors, employees, and agents from any claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys’ fees) arising out of: (a) your breach of these Terms; (b) your content or data you provide; (c) your misuse of the Services; or (d) your dealings with third-party providers.

15) Limitation of Liability
To the maximum extent permitted by law, PropertyDamage.co shall not be liable for indirect, incidental, special, consequential, or punitive damages, or loss of profits, revenues, data, use, goodwill, or other intangible losses, arising from or related to the Site or Services, whether based on warranty, contract, tort, statute, or any legal theory—even if advised of the possibility. In all cases, our aggregate liability shall not exceed the greater of: (i) the amount you paid to us for the Service giving rise to the claim in the six (6) months preceding the event, or (ii) $100.

16) Dispute Resolution; Class Waiver
Mediation first. Before filing a claim, the parties will attempt in good faith to resolve disputes through mediation(remote or in [City, State]) within 30 days of written notice.
Arbitration. If unresolved, disputes will be resolved by binding arbitration administered by the AAA under its Consumer Arbitration Rules (or Commercial Rules for B2B disputes). Venue: [County, State], unless prohibited by law. The arbitrator may award individual relief but no class, consolidated, or representative actions. Small claims court remains available. You may opt out of arbitration within 30 days of first acceptance by emailing legal@propertydamage.co with subject “Arbitration Opt-Out” and your full name and the email/phone used with us.

17) Nationwide Service; Governing Law
We operate nationwide in the United States. These Terms are governed by the laws of the State of [Governing State], without regard to conflicts rules. For any matter that by law cannot be arbitrated, the exclusive jurisdiction and venue are the state and federal courts located in [County, State], and you consent to personal jurisdiction there.

18) Marketing & Co-Branding (Optional)
With prior written consent, we and participating law firms/partners may run co-marketing campaigns (e.g., joint landing pages, webinars, or social content). If approved, partners grant us a limited license to use their logos/marks for the campaign, and we will follow partner brand guidelines. Partners may optionally display a “Member of the PropertyDamage.co Network” badge in accordance with our usage guidelines. Either party may withdraw co-marketing approval with reasonable notice.

19) Privacy
Our collection and use of personal information are described in our Privacy Policy. By using the Services, you consent to such processing and to our sharing as described in Section 4.

20) Termination
We may suspend or terminate access for any violation of these Terms, suspected fraud, nonpayment, or to comply with law. You may stop using the Services at any time. Sections that by nature should survive (e.g., IP, fees, indemnity, limits of liability, dispute resolution) survive termination.

21) Changes to Terms
We may update these Terms from time to time. Material changes will be posted on the Site and indicated by an updated Effective Date. Your continued use after changes means you accept the updated Terms.

22) Contact
Property Damage Experts LLC
Email: support@propertydamage.co
SMS Help: Reply HELP to +1 (385) 444-2240