Terms of Service

1. Agreement to Terms

By accessing or using GymClaim ("ClaimMyGym," "the Service"), operated at www.claimmygym.com, you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, you may not use the Service. We reserve the right to update these Terms at any time, and your continued use constitutes acceptance of any modifications.

2. Service Description

GymClaim is a consumer filing assistant that helps individuals claim gym and fitness reimbursements from their health insurance plans. The Service provides:

• Insurance card scanning and plan identification using AI-powered image analysis.
• Gym visit logging and tracking to document eligible fitness activities.
• Automated generation of reimbursement claim forms based on your insurance plan and visit history.
• Benefit analysis to estimate potential reimbursement amounts.

GymClaim is a filing assistant tool. We do not guarantee that any reimbursement claim will be approved by your insurance provider. Approval is solely at the discretion of your insurance plan.

3. Service Fees

GymClaim charges a per-claim fee for claim submission. This fee covers claim form generation, documentation verification, and submission processing. Current pricing is displayed on the pricing page and at the time of claim submission. Fees are non-refundable once a claim has been submitted to your insurance provider.

4. User Responsibilities

As a user of GymClaim, you agree to:

• Provide accurate and truthful information, including insurance details, gym membership data, and visit records.
• Use the Service only for lawful purposes and in compliance with applicable regulations.
• Maintain the confidentiality of your account credentials and notify us immediately of any unauthorized access.
• Only upload insurance cards and documents that belong to you or for which you have explicit authorization.
• Not attempt to reverse-engineer, decompile, or disassemble any part of the Service.
• Not use the Service to submit fraudulent claims or misrepresent gym attendance.

5. Claim Accuracy and Verification

GymClaim uses AI and automated systems to extract information from insurance cards and generate claim forms. You are solely responsible for reviewing and verifying the accuracy of all information before submitting any claim to your insurance provider. This includes but is not limited to:

• Insurance plan details extracted from card scans (member ID, group number, carrier information).
• Gym visit dates, durations, and activity types recorded in the system.
• Reimbursement amounts and eligible benefit calculations.
• All fields on generated claim forms prior to submission.

GymClaim does not guarantee the accuracy of AI-extracted data. Submitting inaccurate information to an insurance provider may have legal consequences. You accept full responsibility for the content of any claims you submit.

6. Limitation of Liability

To the fullest extent permitted by applicable law:

• The Service is provided "as is" and "as available" without warranties of any kind, whether express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, and non-infringement.
• GymClaim shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of the Service, including but not limited to denied reimbursement claims, loss of data, or service interruptions.
• Our total liability for any claim arising from or related to the Service shall not exceed the amount you paid to GymClaim in the twelve (12) months preceding the claim.
• We are not liable for the actions or decisions of your insurance provider, including claim denials, delays, or disputes.

7. Intellectual Property

All content, features, and functionality of the Service, including but not limited to text, graphics, logos, icons, and software, are the property of GymClaim and are protected by copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, or create derivative works from any portion of the Service without our express written consent.

You retain ownership of all data you upload to the Service. By uploading content, you grant GymClaim a limited, non-exclusive license to process that data solely for the purpose of providing the Service to you.

8. Account Termination

You may delete your account at any time through your account settings or by contacting us at claimmygym@gmail.com. Upon account deletion:

• Your personal data, insurance card images, and visit logs will be permanently deleted within 30 days.
• Claim submission history may be retained in anonymized form for analytical purposes.
• Any pending claims should be resolved with your insurance provider independently.

We reserve the right to suspend or terminate your account if you violate these Terms, engage in fraudulent activity, or use the Service in a manner that could harm other users or the integrity of the platform. We will provide reasonable notice before termination when feasible.

9. Data Handling

Your use of the Service is also governed by our Privacy Policy, which describes how we collect, use, store, and protect your personal and health-related information. By using the Service, you acknowledge that you have read and agree to our Privacy Policy.

You consent to the processing of your insurance and fitness data as described in the Privacy Policy. You may withdraw this consent at any time, but doing so may limit your ability to use certain features of the Service.

10. Dispute Resolution

Any dispute, controversy, or claim arising out of or relating to these Terms or the Service shall be resolved as follows:

10.1 Informal Resolution

Before initiating any formal proceedings, you agree to contact us at claimmygym@gmail.com to attempt to resolve the dispute informally. We will make reasonable efforts to resolve the matter within 30 days.

10.2 Binding Arbitration

If informal resolution is unsuccessful, any remaining dispute shall be resolved through binding arbitration administered in accordance with the rules of the American Arbitration Association (AAA). The arbitration shall be conducted in English and the arbitrator's decision shall be final and binding.

10.3 Class Action Waiver

You agree that any dispute resolution will be conducted on an individual basis and not as part of a class, consolidated, or representative action.

11. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of New York, without regard to conflict of law principles.

12. Severability

If any provision of these Terms is held to be invalid or unenforceable, that provision shall be modified to the minimum extent necessary to make it enforceable, and the remaining provisions shall continue in full force and effect.

13. Contact Us

If you have questions about these Terms of Service, please contact us:

• Email: claimmygym@gmail.com
• Website: www.claimmygym.com/support