1. Agreement to Terms

By accessing or using ClaimAura™ (the “Platform”), you agree to be bound by these Terms of Service, our Privacy Policy, our Refund/Return Policy, and all applicable laws. If you do not agree, you must not use the Platform.

2. Nature of the Platform (Educational Use Only)
ClaimAura™ provides general educational information based on publicly available consumer insurance information and sources from reputable agencies. The Platform is educational only and is not a substitute for professional advice. ClaimAura™ does not provide legal, medical, financial, or insurance advice, and we do not guide users on how to file, pursue, dispute, negotiate, or respond to any insurance claim. ClaimAura™ does not review personal documents or make recommendations.

3. No Professional Relationship
Use of the Platform does not create any attorney–client, public adjuster–client, adjuster–client, agent–client, fiduciary, professional, or advisory relationship.

4. Definitions
Key terms include: “Content” (videos, guides, templates, and written educational materials), “Plan Access” (access to a purchased content library for the access period and scope stated at purchase), “Vault Add-Ons” (optional individual purchases available within the Platform after Plan purchase), “Zero-Retention Toolkits” (tools designed for local use where entries are intended to remain on the user’s device), and “User Data” (limited account and technical information needed to provide access and operate the Platform).

5. Educational Use Only

All Content is provided for general educational use only. Users should consult licensed professionals for advice tailored to their individual circumstances.

6. Privacy and Zero-Retention Data Handling
ClaimAura™ operates with a privacy-first, data-minimization approach. We do not collect, store, or access personal, medical, or claim-specific information entered into Zero-Retention Toolkits or downloads; such entries are intended to remain on the user’s device. We do not request or allow users to upload claim documents, medical records, photos, or other claim materials to the Platform or our servers. The Platform may collect limited account, billing, and technical information necessary to provide access and operate the service as described in the Privacy Policy.
For operational, compliance, and dispute resolution purposes, we may retain limited account, purchase, entitlement, and checkout acknowledgment (clickwrap) records, including email address, IP address at the time of acknowledgment, timestamp, version of policies accepted, and purchase or transaction reference.

7. Content Tools Disclosure
ClaimAura™ may use software tools to help create and improve educational Content before publication. ClaimAura™ does not provide personalized guidance, recommendations, or instructions for any specific claim or situation.

8. Intellectual Property
All Content and materials are owned by Aura Empower Group LLC. Users receive a limited, non-transferable license for personal educational use only. No copying, redistribution, resale, or public display is permitted except as expressly allowed in writing.

9. User Responsibilities
Users agree to use the Platform lawfully, comply with applicable laws, and understand that claim processes and outcomes can vary by policy language, insurer practices, and individual circumstances. ClaimAura™ does not guarantee any result, outcome, settlement amount, timeline, or insurance decision. Users may not share login credentials, resell access, or use automated tools to scrape or download Content.

10. Plan Access, Purchases, and Refunds
Plan Access and any Vault Add-On purchases are digital products. Access terms, including the access period, are stated at the time of purchase. Payments are non-refundable except as described in the Refund/Return Policy or where required by law.

11. Disclaimer of Warranties
The Platform and Content are provided “as is” and “as available,” without warranties of any kind, express or implied.

12. Limitation of Liability
To the fullest extent permitted by law, ClaimAura™ and Aura Empower Group LLC are not liable for any indirect, incidental, special, consequential, or punitive damages arising from or related to use of the Platform or Content.

13. Indemnification
Users agree to indemnify and hold harmless Aura Empower Group LLC from claims arising out of misuse of the Platform, violation of these Terms, or unlawful conduct.

14. Governing Law and Venue
These Terms are governed by Texas law. Venue is limited to courts located in Travis County, Texas, unless otherwise required by law.

15. Modifications
We may update these Terms from time to time. Continued use of the Platform after changes become effective constitutes acceptance of the updated Terms.

16. Severability
If any provision is found unenforceable, the remaining provisions remain in full force and effect.

17. Entire Agreement
These Terms, together with the Privacy Policy and Refund/Return Policy, form the entire agreement between you and Aura Empower Group LLC regarding the Platform.

18. Acceptance of Terms (Electronic Signature)
By clicking “I Agree” (or similar), you consent to these Terms as a legally binding electronic signature.

19. Contact
For support related to access, billing, or technical issues, contact:
Email: [email protected]
Aura Empower Group LLC d/b/a ClaimAura™