1. Acceptance

These Terms of Service (“Terms”) form a binding agreement between you and JKISS LLC (“ClaimGuard,” “we,” “us”) governing your use of claimguardhelp.com and any services, documents, templates, or tools we provide (collectively, the “Service”). By accessing or using the Service, you agree to these Terms and to our Privacy Policy and Disclaimer.

2. What the Service is — and is not

ClaimGuard provides self-help tools, document templates, educational guides, and an optional done-for-you document preparation service to help independent contractors and carriers respond to disputes such as damage claims, deductions, chargebacks, and similar matters.

ClaimGuard is not a law firm. We do not provide legal advice or legal representation, and using the Service does not create an attorney-client relationship. The information and documents we provide are general in nature and may not be appropriate for your specific situation. For advice about your legal rights and obligations, consult a licensed attorney in your jurisdiction.

3. Eligibility

You must be at least 18 years old and able to form a binding contract to use the Service.

4. Your account

Some features require an account. You are responsible for maintaining the confidentiality of any credentials and for all activity under your account. Notify us at info@jkissllc.com of any unauthorized use.

5. Payments & subscriptions

Paid plans and document purchases are billed through Stripe. Prices and plan details are shown on the Pricing page and at checkout. Subscription plans renew automatically until cancelled. You can cancel at any time; cancellation stops future charges and access continues through the end of the paid period unless otherwise stated.

Our refund policy is published at /refund-policy.

6. License & permitted use of documents

When you purchase a document or generated dispute packet, we grant you a non-exclusive, non-transferable license to use that document for your own personal or business dispute. You may not resell, redistribute, sublicense, or repackage our templates, guides, or generated documents as part of another product or service. All underlying intellectual property in the templates, the Service, and the site remains owned by JKISS LLC.

7. Acceptable use

You agree not to:

Use the Service to harass, defame, or knowingly make false statements to third parties.
Provide false information in intake forms or submitted documents.
Reverse engineer, scrape, or otherwise extract our templates or content beyond ordinary use.
Use the Service to commit or facilitate fraud, illegal activity, or violation of any third party's rights.
Interfere with or disrupt the Service.

8. No guarantee of outcome

Dispute outcomes depend on facts, evidence, applicable law, and the actions of third parties. We do not guarantee that any dispute, demand letter, BBB complaint, arbitration, or other process facilitated by the Service will result in any particular outcome, refund, recovery, reinstatement, or settlement.

9. Third parties

ClaimGuard is not affiliated with, endorsed by, or sponsored by Amazon, Walmart, Spark Driver, DoorDash, Uber, Lyft, Instacart, the Better Business Bureau, the American Arbitration Association, or any other company or platform referenced on the site. All trademarks are the property of their respective owners.

10. Disclaimers

The Service is provided “as is” and “as available,” without warranties of any kind, whether express, implied, or statutory, including without limitation warranties of merchantability, fitness for a particular purpose, non-infringement, accuracy, or uninterrupted operation. See also our full Disclaimer.

11. Limitation of liability

To the maximum extent permitted by law, ClaimGuard and JKISS LLC will not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or any loss of profits, revenue, data, or business opportunities, arising out of or in connection with your use of the Service. Our total cumulative liability for any claim arising out of or relating to these Terms or the Service will not exceed the greater of (a) the amount you paid us in the twelve (12) months before the event giving rise to the claim, or (b) one hundred U.S. dollars ($100).

12. Indemnification

You agree to defend, indemnify, and hold harmless JKISS LLC and its affiliates, officers, and employees from and against any claims, liabilities, damages, losses, and expenses arising out of your use of the Service, your violation of these Terms, or your violation of any third party's rights.

13. Termination

We may suspend or terminate your access to the Service at any time for any violation of these Terms or for any conduct we reasonably determine to be harmful to other users, third parties, or our business. You may stop using the Service at any time.

14. Governing law & dispute resolution

These Terms are governed by the laws of the State of Texas, without regard to its conflict-of-law principles. Any dispute arising out of or relating to these Terms or the Service that cannot be resolved informally will be resolved by binding individual arbitration administered by the American Arbitration Association in Dallas County, Texas, under the AAA's Consumer Arbitration Rules then in effect, except that either party may bring an individual action in small claims court for disputes within the small claims court's jurisdiction. You and ClaimGuard each waive the right to a jury trial and to participate in class actions, collective actions, or representative actions.

15. Changes to these Terms

We may update these Terms from time to time. Material changes will be announced on this page with a new “Last updated” date. Continued use of the Service after a change constitutes acceptance of the updated Terms.

16. Contact

JKISS LLC, Dallas–Fort Worth, Texas. Email: info@jkissllc.com.