Terms of Service

PLEASE READ THESE TERMS CAREFULLY. SECTION 15 CONTAINS A BINDING ARBITRATION PROVISION AND A CLASS ACTION WAIVER THAT AFFECT YOUR LEGAL RIGHTS. SECTION 11 LIMITS OUR LIABILITY TO YOU.

QUOTECOP PROVIDES INFORMATIONAL COST ESTIMATES GENERATED BY ARTIFICIAL INTELLIGENCE. AN ESTIMATE IS NOT AN APPRAISAL, NOT A BID, NOT AN OFFER TO PERFORM WORK, AND NOT PROFESSIONAL ADVICE OF ANY KIND. SEE SECTIONS 4 AND 10.

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1. Agreement to Terms

These Terms of Service (the “Terms”) constitute a binding agreement between you (“you” or “User”) and [LEGAL ENTITY NAME] (“QuoteCop,” “we,” “us,” or “our”) governing your access to and use of the QuoteCop mobile application, any successor or related applications, and any content, functionality, or services offered through them (collectively, the “Service”).

By downloading, installing, accessing, or using the Service, or by clicking to accept these Terms, you agree to be bound by them and by our Privacy Policy, incorporated herein by reference. If you do not agree, do not use the Service.

2. Eligibility

You must be at least eighteen (18) years of age and capable of forming a binding contract. You represent and warrant that you meet these requirements, that you are not barred from using the Service under the laws of any applicable jurisdiction, and that all information you provide is accurate and complete.

The Service is offered solely to users located in the United States. We make no representation that the Service is appropriate or available elsewhere.

3. Description of the Service

The Service permits you to submit photographs, a written description, and location information relating to a residential repair, maintenance, or improvement project (a “Capture”). The Service applies artificial intelligence and algorithmic processing to the Capture to produce an informational estimate of the cost such a project may typically involve in your general geographic area (an “Estimate”), which may include estimated materials, estimated labor hours by trade, estimated ancillary costs, general information regarding permits, applicable tax, and a range of likely total cost, together with assumptions, identified unknowns, and suggested questions to pose to a contractor.

4. Nature and Limitations of Estimates — READ THIS SECTION

You expressly acknowledge, understand, and agree that:

(a) An Estimate is informational only. It is a general indication of typical cost. It is not a quotation, bid, tender, proposal, offer, appraisal, valuation, insurance adjustment, or commitment of any kind, by us or by any third party.

(b) No one is bound by an Estimate. No contractor, tradesperson, supplier, insurer, or other person is obligated to perform work, supply materials, or pay any amount at or near any figure shown.

(c) Estimates are generated by artificial intelligence, including large language models. Prices reflected in an Estimate are model-generated approximations, not quotations obtained from suppliers, contractors, or a licensed cost database, unless the Service expressly states otherwise for a particular line item. AI systems can and do produce output that is inaccurate, incomplete, internally inconsistent, or wrong.

(d) Photographs cannot reveal latent conditions. An Estimate is derived principally from photographs and your description. It cannot and does not account for conditions not visible in them, including without limitation: conditions concealed behind walls, floors, ceilings, or fixtures; structural deficiency; rot, insect damage, or water intrusion; mold or other biological hazards; asbestos, lead, or other hazardous materials; the condition, capacity, or code-compliance of electrical, plumbing, mechanical, gas, or structural systems; soil, drainage, or foundation conditions; or non-compliance with any applicable code, ordinance, covenant, or restriction.

(e) Actual cost will differ. Actual cost is affected by factors we do not and cannot know, including latent conditions, material and labor availability and volatility, your selections and specifications, contractor pricing and scheduling, seasonality, supply disruption, and the requirements of the authority having jurisdiction.

(f) Permit and code information is general and may be wrong. Permitting is governed by thousands of local jurisdictions with differing and frequently changing requirements. Any statement regarding permits, fees, inspections, or codes is general information only, is not a determination, and must be independently verified with the authority having jurisdiction before you rely on it.

(g) No professional relationship is created. We are not a licensed contractor, engineer, architect, home inspector, appraiser, surveyor, industrial hygienist, insurance adjuster, attorney, or tax advisor, and we do not act in any such capacity. Nothing in the Service constitutes professional, engineering, legal, insurance, tax, or investment advice.

(h) You are responsible for your decisions. You should obtain quotations from licensed, insured contractors and, where appropriate, professional inspection, before undertaking any project or committing funds. An Estimate is a reference point for that process, not a substitute for it.

(i) Safety. Do not rely on the Service in any circumstance involving actual or suspected danger, including gas leak, electrical hazard, structural instability, fire, flooding, or contamination. Contact emergency services or a qualified professional.

5. Your Content and License

(a) Ownership. You retain all ownership of photographs, descriptions, and other materials you submit (“User Content”).

(b) License to us. You grant us a worldwide, non-exclusive, royalty-free, sublicensable license to host, store, reproduce, modify (for technical purposes such as resizing and format conversion), transmit, and process User Content solely to provide, secure, maintain, and improve the Service, and as described in our Privacy Policy. This license terminates when you delete the User Content, except to the extent (i) it has been shared by you with others, (ii) retention is required by law, or (iii) it exists in routine backups pending deletion in the ordinary course.

(c) Processing by third parties. You acknowledge that providing the Service requires transmitting User Content and derived information to third-party artificial intelligence providers and infrastructure providers, including providers located outside the United States. See the Privacy Policy.

(d) Your warranties. You represent and warrant that you own or have all rights necessary to submit the User Content; that its submission does not violate any law or any third party’s rights, including rights of privacy and publicity; and that you have obtained any consent required from any person depicted or any person with an interest in the depicted property.

(e) Prohibited content. You will not submit User Content that depicts any individual without consent, that you lack the right to submit, that is unlawful, or that depicts property you have no legitimate interest in.

6. Acceptable Use

You will not, and will not permit any person to: (a) use the Service for any unlawful purpose; (b) reverse engineer, decompile, or attempt to derive the source code, models, prompts, or algorithms of the Service, except to the extent such restriction is prohibited by applicable law; (c) access the Service by automated means, or scrape, crawl, or harvest from it; (d) resell, sublicense, or commercially redistribute Estimates or other output, except that you may share an individual Estimate relating to your own project with contractors, advisors, or household members; (e) use the Service or its output to train, fine-tune, or develop any machine learning or artificial intelligence system; (f) circumvent any rate limit, usage limit, access control, or security measure; (g) submit content intended to manipulate, prompt-inject, or subvert the Service’s processing; (h) impersonate any person or misrepresent your affiliation; (i) interfere with the integrity or performance of the Service; or (j) use the Service to develop a competing product.

7. Accounts and Security

You are responsible for maintaining the confidentiality of your credentials and for all activity under your account. Notify us promptly at [SECURITY EMAIL] of any unauthorized use. We may suspend or terminate an account we reasonably believe to be compromised or used in violation of these Terms.

8. Fees, Purchases, and Refunds

(a) Charges. Certain features require payment. All prices are stated in U.S. dollars and are exclusive of applicable taxes unless stated otherwise. We may change prices prospectively.

(b) Apple. Purchases made through the App Store are processed by Apple and are subject to Apple’s terms. Refunds of such purchases are requested from and decided by Apple. We cannot grant, deny, or guarantee an App Store refund. Our commitments in subsection (c) are fulfilled through account credits, which are within our control.

(c) Our make-whole commitment. Refunds of App Store purchases are requested through Apple and granted or denied by Apple, not by us. We therefore commit to the following, all of which are within our control:

(i) We do not charge for an estimate we have not delivered. Payment for detailed estimate content is taken only after the estimate has been generated and has passed our internal quality controls. If generation fails, or our controls determine an estimate does not meet our standards, you are not charged.

(ii) Automatic account credit. If you were nevertheless charged and did not receive a completed estimate — because of technical failure, provider unavailability, timeout, or our quality controls — we will credit your account automatically, without any request from you. Credits do not expire.

(iii) Quality-based credit. If a delivered estimate is unusable because the scope of work was materially misidentified and could not be corrected through the in-app correction process, you may request a credit within [NUMBER] days and it will be granted.

(iv) Duplicate charges are credited in full, and where you also seek a refund from Apple we will respond to Apple’s inquiry in support of your request.

(v) Not covered. An estimate that was delivered and functioned as described is not eligible for a credit solely because the figures were higher or lower than you hoped, or because a contractor subsequently quoted a different amount. Actual cost differing from an Estimate is an expected characteristic of the Service, not a defect. See Section 4.

(d) Subscriptions, if offered, renew automatically until cancelled, and are cancelled through the App Store. Cancellation takes effect at the end of the then-current period.

(e) Chargebacks. Initiating a chargeback rather than contacting us may result in suspension. We ask that you contact [SUPPORT EMAIL] first.

9. Intellectual Property

The Service, including its software, models, prompts, methodologies, databases, design, text, graphics, and trademarks, is owned by us or our licensors and protected by intellectual property law. Subject to these Terms, we grant you a limited, revocable, non-exclusive, non-transferable, non-sublicensable license to use the Service for your own personal, non-commercial purposes. All rights not expressly granted are reserved. As between you and us, and subject to your rights in User Content, Estimates and other output are licensed to you, not sold, for your personal use in connection with your own project.

Feedback you provide may be used by us without restriction or compensation.

10. Disclaimer of Warranties

THE SERVICE AND ALL OUTPUT, INCLUDING ESTIMATES, ARE PROVIDED “AS IS” AND “AS AVAILABLE,” WITH ALL FAULTS AND WITHOUT WARRANTY OF ANY KIND.

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE, INCLUDING WITHOUT LIMITATION ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, QUIET ENJOYMENT, ACCURACY, AND NON-INFRINGEMENT, AND ANY WARRANTIES ARISING FROM COURSE OF DEALING, USAGE, OR TRADE PRACTICE.

WITHOUT LIMITING THE FOREGOING, WE DO NOT WARRANT THAT ANY ESTIMATE IS OR WILL BE ACCURATE, COMPLETE, RELIABLE, CURRENT, OR SUITABLE FOR ANY PURPOSE; THAT THE SCOPE OF WORK IDENTIFIED IS CORRECT; THAT ANY STATEMENT REGARDING PERMITS, CODES, OR TAXES IS CORRECT OR CURRENT; THAT THE SERVICE WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE; OR THAT DEFECTS WILL BE CORRECTED.

YOU ASSUME ALL RISK ARISING FROM YOUR USE OF THE SERVICE AND ANY RELIANCE ON ANY ESTIMATE.

Some jurisdictions do not allow the exclusion of certain warranties, so some exclusions may not apply to you.

11. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW:

(a) IN NO EVENT WILL WE OR OUR AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, SUPPLIERS, OR LICENSORS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, REVENUE, SAVINGS, DATA, GOODWILL, OR BUSINESS OPPORTUNITY, OR FOR ANY AMOUNT PAID OR PAYABLE BY YOU TO ANY CONTRACTOR OR THIRD PARTY, OR ANY COST OVERRUN, PROJECT DELAY, PROPERTY DAMAGE, OR DIMINUTION IN VALUE, ARISING OUT OF OR RELATING TO THE SERVICE OR ANY ESTIMATE, WHETHER BASED IN CONTRACT, TORT (INCLUDING NEGLIGENCE), STRICT LIABILITY, OR OTHERWISE, AND WHETHER OR NOT WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

(b) OUR TOTAL AGGREGATE LIABILITY ARISING OUT OF OR RELATING TO THESE TERMS OR THE SERVICE WILL NOT EXCEED THE GREATER OF (I) THE TOTAL AMOUNTS YOU PAID US IN THE TWELVE (12) MONTHS PRECEDING THE EVENT GIVING RISE TO THE CLAIM, OR (II) ONE HUNDRED U.S. DOLLARS ($100.00).

(c) THE LIMITATIONS IN THIS SECTION APPLY EVEN IF ANY LIMITED REMEDY FAILS OF ITS ESSENTIAL PURPOSE, AND REFLECT AN ALLOCATION OF RISK THAT IS AN ESSENTIAL BASIS OF THE BARGAIN BETWEEN US.

(d) Nothing in these Terms excludes or limits liability that cannot lawfully be excluded or limited, including liability for fraud, for personal injury caused by negligence where such limitation is prohibited, or under any applicable consumer protection statute. Some jurisdictions do not allow the exclusion or limitation of incidental or consequential damages, so some of the above may not apply to you.

12. Indemnification

You will indemnify, defend, and hold harmless QuoteCop and its affiliates, officers, directors, employees, and agents from and against any claim, demand, loss, liability, damage, cost, or expense (including reasonable attorneys’ fees) arising out of or relating to: (a) your use of the Service; (b) your User Content; (c) your breach of these Terms or of any law; (d) your infringement of any third party’s rights; or (e) any dispute between you and any contractor, tradesperson, supplier, insurer, or other third party, including any dispute in which an Estimate is referenced.

13. Third-Party Services and Contractors

The Service may reference or interoperate with third-party services. We do not control and are not responsible for them. We do not recommend, endorse, vet, license-verify, insure, or vouch for any contractor or tradesperson, and we are not a party to any agreement between you and any such person. Any dealings you have with a contractor are solely between you and them.

14. Term, Suspension, and Termination

These Terms apply while you use the Service. You may stop at any time and delete your account. We may suspend or terminate your access at any time, with or without notice, for any reason, including violation of these Terms, suspected fraud, or risk to the Service or other users. Sections 4, 5(b), 5(d), 9 through 16, and any provision that by its nature should survive, survive termination.

15. Dispute Resolution — Arbitration and Class Action Waiver

PLEASE READ. THIS SECTION AFFECTS YOUR RIGHTS, INCLUDING YOUR RIGHT TO A JURY TRIAL AND TO PARTICIPATE IN A CLASS ACTION.

(a) Informal resolution first. Before initiating arbitration, you agree to contact us at [LEGAL EMAIL] with a written description of the dispute and to attempt in good faith to resolve it for sixty (60) days. This is a condition precedent to commencing arbitration.

(b) Binding arbitration. Except as provided in subsection (e), any dispute arising out of or relating to these Terms or the Service will be resolved by binding individual arbitration administered by [AAA / JAMS] under its [Consumer Arbitration Rules], before one arbitrator, seated in the federal judicial district of your residence or another mutually agreed location, and may be conducted by written submission or videoconference where the rules permit. The Federal Arbitration Act governs. Judgment on the award may be entered in any court of competent jurisdiction.

(c) CLASS ACTION WAIVER. YOU AND WE AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN AN INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, COLLECTIVE, CONSOLIDATED, OR REPRESENTATIVE PROCEEDING. THE ARBITRATOR MAY NOT CONSOLIDATE CLAIMS AND MAY NOT PRESIDE OVER ANY FORM OF REPRESENTATIVE PROCEEDING. If this subsection is found unenforceable as to a particular claim, that claim will proceed in court and is severed from arbitration.

(d) RIGHT TO OPT OUT. You may opt out of this Section 15 by sending written notice to [LEGAL ADDRESS] or [LEGAL EMAIL] within thirty (30) days of first accepting these Terms, stating your name, the email associated with your account, and a clear statement that you opt out of arbitration. Opting out does not affect any other provision and will not adversely affect your use of the Service.

(e) Exceptions. Either party may bring an individual claim in small claims court, and either party may seek injunctive or equitable relief in court for infringement or misuse of intellectual property.

(f) JURY TRIAL WAIVER. To the extent any claim proceeds in court, EACH PARTY KNOWINGLY AND IRREVOCABLY WAIVES ANY RIGHT TO TRIAL BY JURY.

(g) Changes. If we materially amend this Section, you may reject the amendment by written notice within thirty (30) days, in which case the version in effect immediately prior will govern.

16. General

(a) Governing law. These Terms are governed by the laws of the State of [STATE], without regard to conflict of laws principles, except that the Federal Arbitration Act governs Section 15. Subject to Section 15, the state and federal courts located in [COUNTY, STATE] have exclusive jurisdiction.

(b) Changes to these Terms. We may modify these Terms. We will post the updated Terms with a revised “Last Updated” date and, for material changes, provide reasonable advance notice through the Service or by email. Continued use after the effective date constitutes acceptance.

(c) Changes to the Service. We may modify, suspend, or discontinue the Service or any feature at any time.

(d) Severability. If any provision is held unenforceable, it will be modified to the minimum extent necessary, or severed, and the remainder will remain in full force.

(e) No waiver. No failure or delay in exercising a right operates as a waiver.

(f) Assignment. You may not assign these Terms without our prior written consent. We may assign freely, including in connection with a merger, acquisition, or sale of assets.

(g) Entire agreement. These Terms and the Privacy Policy constitute the entire agreement between you and us regarding the Service and supersede all prior understandings.

(h) Force majeure. We are not liable for any failure or delay caused by events beyond our reasonable control, including the unavailability of any third-party artificial intelligence provider.

(i) Notices. We may give notice through the Service or to your registered email. You give notice to us at [LEGAL EMAIL].

17. Apple-Specific Terms

If you obtained the Service from the Apple App Store, the following apply and control to the extent of any conflict:

(a) These Terms are between you and us only, not with Apple. Apple is not responsible for the Service or its content. (b) Your license is a non-transferable license to use the Service on an Apple-branded device you own or control, as permitted by the App Store Terms of Service. (c) Apple has no obligation to furnish any maintenance or support. (d) To the maximum extent permitted by law, Apple has no warranty obligation with respect to the Service. If it fails to conform to any applicable warranty, you may notify Apple and Apple will refund the purchase price; Apple has no other warranty obligation whatsoever. (e) Apple is not responsible for any claim relating to the Service, including product liability, failure to conform to legal requirements, or claims under consumer protection or privacy law. (f) Apple is not responsible for the investigation, defense, settlement, or discharge of any third-party intellectual property infringement claim relating to the Service. (g) You represent that you are not located in a country subject to a U.S. Government embargo or designated as terrorist-supporting, and are not on any U.S. Government restricted-party list. (h) Apple and its subsidiaries are third-party beneficiaries of these Terms and, upon your acceptance, have the right to enforce them against you.

18. Contact

[LEGAL ENTITY NAME] [ADDRESS] General: [SUPPORT EMAIL] · Legal: [LEGAL EMAIL] · Privacy: [PRIVACY EMAIL] · Security: [SECURITY EMAIL]