Terms of Service

1. Acceptance of Terms

By accessing and using PaybackTime, you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use the service.

2. Service Description

PaybackTime is a free service that helps users manage insurance claims and track reimbursements. We provide tools for document organization, receipt tracking, and claim management.

3. User Responsibilities

• You must provide accurate and truthful information
• You are responsible for maintaining the security of your account
• You agree not to use the service for any illegal purposes
• You will not attempt to disrupt or compromise the service
• You agree to use the service responsibly and not abuse system resources in ways that could impact other users or make the service costly to operate
• You understand that excessive or abusive usage may result in temporary or permanent account restrictions to ensure the service remains free for everyone

4. Fair Usage

PaybackTime is committed to remaining free for everyone affected by disasters. To maintain this commitment:

• Users agree to upload only relevant documents and receipts
• Users agree not to use the service for general storage or non-claim related purposes
• Users understand that automated or bulk operations should be used responsibly
• We reserve the right to limit excessive usage that could impact service availability for others

5. Data Usage

We collect and process your data as described in our Privacy Policy. By using PaybackTime, you consent to this data processing.

6. Service Availability

While we strive to maintain continuous service availability, we do not guarantee uninterrupted access to PaybackTime. We reserve the right to modify or discontinue the service with reasonable notice.

7. Disclaimer of Warranties

PaybackTime is provided "as is" without any warranties. We do not guarantee that the service will be error-free or uninterrupted.

8. Contact

If you have any questions about these Terms, please contact us at [email protected].