Effective date: Aug. 1, 2026
These Terms of Use ("Terms") govern access to and use of the MitScore platform at app.mitscore.com, the website at mitscore.com, and related services (together, the "Services") provided by MitScore, LLC ("MitScore," "we," "us"). By accessing or using the Services, you agree to these Terms. If you use the Services on behalf of a company, you agree to these Terms on that company's behalf and confirm you have authority to do so.
If your company has a separate signed agreement with MitScore, that agreement controls where it conflicts with these Terms.
MitScore provides documentation review and claims-analysis tools for water mitigation and related property claims, including scoring, estimate audits, mitigation timelines, reports, and negotiation support. Some features rely on automated and AI-assisted analysis.
Access is provided to authorized users of our customers, such as insurance carriers, their adjusters, managers, and MitScore reviewers. You are responsible for keeping your login credentials confidential and for all activity under your account. Notify us promptly at review@mitscore.com of any unauthorized use. We may suspend access to protect the Services or other users.
Scores, findings, estimate audits, timelines, reports, and other outputs are decision-support tools based on the documents provided. They are not legal advice, not a coverage determination, and not a payment approval. Outputs may be incomplete or contain errors, particularly where documentation is missing, unclear, or inaccurate. Users are responsible for reviewing outputs and exercising their own professional judgment. Only the insurance carrier can approve payment on a claim.
You keep ownership of the documents and data you upload ("Your Content"). You grant MitScore a limited license to host, copy, process, analyze, and display Your Content as needed to provide and support the Services, and to create aggregated, de-identified information that does not identify any customer, insured, or individual, which we may use to improve the Services and provide industry benchmarks.
You confirm that you have the right to upload Your Content and that doing so does not violate any law, contract, or third party's rights.
You agree not to:
Fees for the Services are set out in your company's agreement or order with MitScore. Unless otherwise agreed, charges are invoiced monthly and are due according to the terms on the invoice. Pass-through expenses, where applicable, are billed at cost as described in your agreement. Late or unpaid amounts may result in suspension of the Services.
The Services, including their software, scoring methods, rubrics, reports, designs, and trademarks such as MitScore™, are owned by MitScore, LLC and protected by law. These Terms do not give you any ownership rights in the Services.
Each party will protect the other's non-public business information with reasonable care and use it only for purposes related to the Services, except where disclosure is required by law.
The Services rely on third-party providers, such as hosting, AI processing, email, and accounting services. We are not responsible for the acts or omissions of third-party providers outside our reasonable control.
THE SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE." TO THE FULLEST EXTENT PERMITTED BY LAW, MITSCORE DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY, AND NON-INFRINGEMENT. MITSCORE DOES NOT WARRANT THAT THE SERVICES WILL BE UNINTERRUPTED OR ERROR-FREE.
TO THE FULLEST EXTENT PERMITTED BY LAW, MITSCORE WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR FOR LOST PROFITS, REVENUE, OR DATA, ARISING FROM OR RELATED TO THE SERVICES. MITSCORE'S TOTAL LIABILITY FOR ALL CLAIMS RELATED TO THE SERVICES WILL NOT EXCEED THE FEES PAID BY YOUR COMPANY TO MITSCORE IN THE TWELVE MONTHS BEFORE THE EVENT GIVING RISE TO THE CLAIM.
You agree to indemnify and hold MitScore harmless from claims arising from Your Content or your violation of these Terms or applicable law.
You may stop using the Services at any time, subject to your company's agreement. We may suspend or end access if these Terms are violated, if required by law, or to protect the Services or other users. Sections that by their nature should survive termination, including fees owed, confidentiality, disclaimers, and limitation of liability, will survive.
These Terms are governed by the laws of the State of [State], without regard to conflict-of-law rules. Disputes will be resolved in the state or federal courts located in [County, State], unless your company's agreement provides otherwise.
We may update these Terms from time to time. We will post the updated version on this page and change the effective date above. Continued use of the Services after an update means you accept the updated Terms.
MitScore, LLC
[Company mailing address]
Email: review@mitscore.com