X Lead - Insurance Billing Sidekick

Last Updated: March 13, 2025

1. Introduction

These Terms of Service ("Terms") govern your access to and use of X LEAD Insurance Adjuster

Sidekick platform and services ("Services"). By accessing or using our Services, you agree to be

bound by these Terms. If you do not agree to these Terms, you may not access or use the

Services.

2. Definitions

• "Company", "we", "us", or "our" refers to X LEAD Insurance Adjuster Sidekick.

• "User", "you", or "your" refers to any individual or entity that accesses or uses our

Services.

• "Account" refers to the registered account of a User on our Services.

• "Content" refers to any information, data, text, graphics, legal documents, or other

materials uploaded to or generated by our Services.

• "Subscription" refers to a paid plan that grants access to certain features of our Services.

3. Account Registration

3.1 Account Creation

To use certain features of our Services, you must register for an account. When registering, you

agree to:

• Provide accurate, current, and complete information.

• Maintain the confidentiality of your account login credentials.

• Accept full responsibility for all activities that occur under your account.

3.2 Account Types

Our Services support different account types:

• Master Admin: Subscription owner with full administrative access.

• Company User: Employees or authorized representatives with assigned permissions.

4. Service Access and Licenses

4.1 License to Use

Subject to these Terms, we grant you a limited, non-exclusive, non-transferable, non-

sublicensable license to access and use our Services for your internal business operations.

4.2 Restrictions

Users may not:

• Use the Services in violation of applicable laws or regulations.

• Sell, license, rent, lease, or commercialize the Services.

• Reverse engineer, decompile, or attempt to extract the source code of the Services.

• Use the Services to transmit malicious code or interfere with system integrity.

• Collect or harvest personal information about other users without consent.

5. Subscriptions and Payment

5.1 Subscription Plans

Our Services are available on a subscription basis, with fees detailed on our pricing page. We

reserve the right to modify subscription plans and pricing at any time.

5.2 Payment Terms

• Payments are due in advance of the subscription period.

• By subscribing, you authorize us to charge your payment method for subscription fees.

• Users are responsible for maintaining valid payment information.

5.3 Refunds

All subscription payments are non-refundable, except where required by law.

5.4 Account Suspension for Non-Payment

Failure to make timely payments may result in temporary suspension or termination of access to

the Services.

6. User Content & Uploaded Data

6.1 Ownership

You retain ownership of any data, documents, or content uploaded to our Services. By using our

Services, you grant us a limited license to process, store, and use your content only for the

purpose of providing our Services.

6.2 Responsibility

Users are solely responsible for:

• Ensuring that uploaded content does not violate any laws or third-party rights.

• Maintaining appropriate backups of their data.

7. Intellectual Property Rights

7.1 Our Intellectual Property

All software, features, and trademarks associated with our Services are owned by X LEAD

Insurance Adjuster Sidekick and protected under copyright and intellectual property laws.

7.2 Feedback

If you provide us with feedback or suggestions, you grant us a perpetual, irrevocable, worldwide,

royalty-free license to use, modify, and incorporate such feedback into our Services without

compensation to you.

8. Termination

8.1 Termination by User

You may terminate your account at any time by contacting us. Upon termination, your access to

the Services will cease immediately.

8.2 Termination by Company

We may suspend or terminate your access if you:

• Violate these Terms.

• Engage in fraudulent, harmful, or illegal activity.

• Fail to make timely subscription payments.

8.3 Effect of Termination

Upon termination:

• Your right to use the Services immediately ceases.

• We are not responsible for storing user data after termination.

9. Disclaimer of Warranties

THE SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT

WARRANTIES OF ANY KIND.

10. Limitation of Liability

IN NO EVENT SHALL WE BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL,

OR CONSEQUENTIAL DAMAGES ARISING OUT OF OR RELATED TO YOUR USE OF

THE SERVICES.

NO CLAIM RELATED TO THESE TERMS MAY BE BROUGHT MORE THAN ONE (1)

YEAR AFTER THE CAUSE OF ACTION OCCURS.

11. Indemnification

Users agree to indemnify and hold harmless X LEAD Insurance Adjuster Sidekick from any

claims, damages, or liabilities arising from:

• Data privacy violations.

• Unauthorized use of the Services.

• Third-party claims related to user content.

12. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the

Commonwealth of Virginia.

13. Dispute Resolution

All disputes shall be resolved exclusively through binding arbitration. However, we reserve the

right to pursue legal action for intellectual property claims or breaches of data security.

14. Force Majeure

We are not liable for service failures due to natural disasters, cyberattacks, or government

actions.

15. AI Disclaimer

Our platform may use AI-powered features, which are provided "as is" with no guarantee of

accuracy. Users should verify AI-generated recommendations before making decisions.

• The AI-generated insights provided by the platform are not legal, financial, or insurance

advice.

• Users assume full responsibility for verifying AI-generated recommendations before

submitting claims.

• The Company is not liable for any financial losses, denied claims, or disputes resulting from

reliance on AI-generated content.

16. User Behavior Restrictions

Users may not:

• Use bots, scrapers, or automated tools to extract data from the Services.

• Transmit spam, unsolicited messages, or engage in unauthorized advertising.

• Use the Services to engage in fraudulent, deceptive, or unlawful activities.

• Attempt to circumvent security measures or gain unauthorized access to restricted areas.

• Users must not use the platform to submit fraudulent, misleading, or exaggerated claims

to insurance providers.

• The Company reserves the right to terminate accounts and report violations to regulatory

authorities.

17. Service Availability

We do not guarantee uninterrupted access to our Services. Maintenance, updates, or technical

issues may cause temporary disruptions. We reserve the right to suspend or discontinue features

at our discretion.

18. Data Protection & Compliance

We process user data in accordance with GDPR, CCPA, and Virginia’s CDPA. Users consent to

data collection and may request access, deletion, or restrictions per applicable laws.

Legal Holds: If required by law, regulatory authorities, or legal disputes, the Company may

retain user data beyond standard retention periods.

19. Contact Information

X LEAD Insurance Adjuster Sidekick

📧 Email: stefano@xleadpro.com

🏢 Address: 13603 Ellendale Dr, Chantilly, VA 20151

20. No Affiliation with Insurance Providers

• The Company is not affiliated with any insurance provider, adjuster, or regulatory

agency.

• Use of the platform does not guarantee claim approval, higher payouts, or specific case

outcomes.