Terms and Conditions

Claim Builder is a document generation and guidance platform. We provide self-service tools that help individuals prepare, organise, and generate documentation for housing disrepair claims, debt recovery, vehicle value loss recovery, and related matters.

Our Service includes:

• Guided step-by-step claim builders for each product type
• Evidence organisation and upload tools
• Generation of personalised documents including letters, reports, and claim packs
• Vehicle valuation lookups and diminution in value calculations
• Downloadable PDF packs ready for submission to insurers, landlords, or courts
• AI-assisted guidance (Shirley) to help users navigate the process

For legal advice tailored to your specific situation, you should consult a qualified solicitor or legal professional.

Our documents are produced using automated tools based on information you provide. They are intended as a starting point for your claim and to assist in presenting your position professionally. They do not replace professional legal advice.

If you are uncertain about the legal merits of your case, the appropriate forum, or any other legal question, you must consult a qualified solicitor before taking action.

We make no guarantee, representation, or warranty regarding:

• The success of any claim submitted using our documents
• The amount of compensation, recovery, or reimbursement you may receive
• How any insurer, landlord, debtor, or court will respond to your claim
• Whether a claim letter or evidence pack will result in settlement or payment
• The enforceability of any specific document in any specific jurisdiction or circumstance

Outcomes depend entirely on your individual circumstances, the quality and accuracy of information you provide, the decisions of third parties (including insurers, courts, landlords, and debtors), and factors outside our control.

The fact that a platform like ours exists to help you present a professional claim does not guarantee any particular result. We provide tools — outcomes are determined elsewhere.

You are solely responsible for:

• Accuracy of information: Providing truthful, accurate, and complete information through our builders. Documents are generated based entirely on what you input. Incorrect or misleading information will result in inaccurate documents for which we bear no responsibility.
• Review before sending: Carefully reviewing all generated documents before submitting them to any third party. You must not send documents containing errors, omissions, or inaccuracies without correcting them.
• How documents are used: All decisions about whether, when, and how to use any document generated by our platform are yours alone. We are not responsible for any consequences arising from how you use, send, or rely on our documents.
• Compliance with law: Ensuring that your use of our platform and the documents you generate complies with all applicable laws and regulations.

Where our Service provides vehicle valuations, diminution in value calculations, or any other financial estimates:

• All valuations are estimates only, generated using third-party market data and proprietary calculation models
• They do not represent guaranteed market values, nor a professional appraisal or survey report
• They are intended for use as supporting evidence in a claim letter or evidence pack — not as binding valuations
• Actual market values may differ from our estimates depending on the specific vehicle, buyer, market conditions, and other factors at the time of any transaction
• We are not liable for any difference between estimated and actual values received

If you require a formal, certified valuation for court proceedings or dispute resolution, you should commission one from a qualified independent motor trade professional.

Documents generated through our platform are licensed for personal use only in relation to your own individual claim or recovery matter.

• You may not resell, redistribute, or sublicense our document templates or generated outputs
• You may not use our documents as templates to assist third parties with their claims without our express written consent
• You may not commercially exploit our document generation systems or output
• Documents may not be used in any way that misrepresents their origin or nature

We reserve the right to take action against any misuse of our intellectual property, including commercial exploitation of generated documents.

Some features of our Service require account registration. Where you create an account, you agree to:

• Provide accurate, current, and complete information during registration
• Maintain the security of your password and account
• Notify us immediately of any unauthorised use of your account
• Accept responsibility for all activities that occur under your account

Note: Some products (including the Vehicle Value Loss Recovery Pack and Debt Recovery Pack) do not require an account prior to purchase.

We reserve the right to suspend or terminate accounts that violate these Terms.

Payment is required before documents are generated and delivered. By making a payment, you agree that:

• All payments are processed securely via Stripe
• Prices are displayed in GBP and include VAT where applicable
• Current product pricing: Vehicle Value Loss Recovery Pack (£49.99); Debt Recovery Pack (£99); Full Recovery Bundle (£199); Enforcement Pack (£129.99)
• Prices may change from time to time — the price shown at checkout applies
• Digital content is delivered immediately upon successful payment

Specifically:

• No refund once a document pack has been generated, downloaded, or accessed
• Refund may be considered if you contact us before any document generation has occurred and the payment was made in error
• Any refund requests must be submitted to hello@claimbuilder.co.uk within 24 hours of purchase
• Refunds will not be granted on the basis that the claim was unsuccessful or that the insurer, landlord, or court did not respond favourably

See our full Refund Policy for complete details.

You agree to use our Service only for lawful purposes. You must not:

• Submit false, misleading, or fraudulent information
• Use the Service to harass, threaten, or harm any person
• Attempt to gain unauthorised access to our systems
• Use automated tools to scrape or extract data from our platform
• Reproduce, distribute, or resell our generated documents for commercial purposes
• Violate any applicable UK or international law

All content on our platform, including document templates, software, design, and text, is owned by or licensed to Claim Builder and is protected by UK copyright law.

The claim pack documents generated using your personal information are owned by you. You grant us a limited licence to store and process your data solely to provide the Service.

To the fullest extent permitted by law, Claim Builder shall not be liable for:

• Any indirect, incidental, or consequential financial loss arising from your use of the Service
• The outcome of any legal claim, insurance claim, or recovery action you pursue using our documents
• Rejection of a claim by an insurer, debtor, landlord, or court
• Errors or inaccuracies in documents resulting from incorrect information you provided
• Any loss arising from your reliance on our platform as a substitute for legal advice
• Third-party decisions, delays, or actions — including those of insurers, solicitors, courts, bailiffs, or debtors
• Loss of data or documents after the retention period described in Section 17
• Technical failures, outages, or interruptions to the Service

Our total liability to you shall not exceed the amount you paid for the specific Service giving rise to the claim.

We retain generated reports and documents for a maximum period of 12 months from the date of creation. After this period, documents may be permanently deleted without notice.

It is the user's responsibility to download and securely store any documents provided. We do not guarantee the availability, retrieval, or restoration of documents once deleted.

We do not provide document storage, backup, or archiving services. Documents are made available for a limited time after generation solely to allow you to download them.

If you have any questions about these Terms, please contact us: