Effective Date: March 22, 2026 • Last Updated: March 30, 2026 • Version 3.0
The Service is available only to legally formed business entities operating in the United States. By creating an account, you represent and warrant that you are a duly authorized representative of the business entity you register and that you have the authority to bind that entity to these Terms.
You represent and warrant that you are acting in an official capacity as an employee, officer, or authorized representative of the company associated with your account. You are not acting as a third-party finder, locator, investigator, heir finder, recovery agent, or any other intermediary on behalf of another party. You further acknowledge that the company associated with your account is the claimant or potential claimant with respect to any unclaimed property, and that Claimiflo is not the claimant, owner, beneficiary, finder, locator, investigator, or agent for any such claims.
Account holders must be at least 18 years of age.
You are responsible for maintaining the accuracy of your account information and the confidentiality of your login credentials. You are responsible for all activity that occurs under your account.
Each account is associated with a single business entity. Customer Data is isolated and not shared between accounts.
Claimiflo provides a software-as-a-service platform that:
Claimiflo provides software tools designed to support the full lifecycle of unclaimed property discovery and claim workflow management. However, the nature of unclaimed property recovery involves numerous variables outside of our control, including state agency processes, database accuracy, and regulatory requirements. All actions taken in connection with unclaimed property claims — including submissions, follow-ups, and communications with state agencies — are initiated and completed by the Customer, not by Claimiflo. Claimiflo does not provide legal, tax, accounting, regulatory, or professional advice, and does not make any determination as to whether a particular Finding is valid, whether a claim should be filed, or whether any filing is accurate, complete, or timely. All such determinations are made solely by you.
Claimiflo is a technology platform and workflow tool. Claimiflo is NOT:
Claimiflo does not file claims on your behalf, hold power of attorney for your company, or charge fees contingent on recovery outcomes. Your subscription fee is for access to the Claimiflo platform and is not a finder's fee, commission, or percentage of any recovery. Claimiflo's fees are payable regardless of whether you ultimately submit any claims or recover any funds from any state.
Subscription fees are fixed and are not tied to outcomes. Whether you recover $0 or $1,000,000 in unclaimed property, your subscription fee remains the same. Claimiflo's fees are for platform access and are completely independent of claim results.
Nothing in these Terms, in the Service, or in any interaction with Claimiflo creates or is intended to create an agency, partnership, joint venture, fiduciary, representative, claims administrator, intermediary, or other service relationship between Claimiflo and the Customer. Claimiflo does not act on your behalf in any capacity. Claimiflo does not communicate with state agencies, respond to state agency requests, submit documents to state agencies, or take any action directed at state agencies on your behalf. All state-facing actions are your sole responsibility. Any Platform Tools provided — including templates, drafts, suggested next steps, and workflow guidance — are software tools for your own independent use and do not constitute Claimiflo acting as your agent or representative.
You are solely responsible for:
You understand and acknowledge that you are the party submitting claims to state agencies, not Claimiflo. You are the party responding to state agency requests, not Claimiflo. Claimiflo provides software tools to help you organize, prepare, and track your claims and related activities, but the act of filing, corresponding with state agencies, responding to state requests, and providing required documentation is entirely and solely your responsibility.
Every claim submission, follow-up submission, response to a state agency, and communication with a state agency must be initiated, reviewed, and completed by the Customer. Any templates, drafts, prepared materials, suggested next steps, or workflow guidance provided by the Service are Platform Tools for the Customer's own independent use. Claimiflo does not approve, authorize, execute, send, or complete any state-facing action for the Customer. The Customer is solely responsible for reviewing all materials before use or submission and for ensuring their accuracy and completeness. You may not rely on the Service or any Platform Tools as a substitute for independent legal, tax, accounting, or compliance review.
You should consult your own legal, tax, or accounting advisors regarding any questions about unclaimed property laws, claim eligibility, or regulatory compliance.
Unclaimed property laws, processes, requirements, and timelines vary significantly from state to state. Each of the 50 states, the District of Columbia, Puerto Rico, the U.S. Virgin Islands, and Guam maintains its own unclaimed property program with distinct rules and procedures.
You acknowledge and understand that:
Claimiflo provides software tools designed to help you navigate state-by-state variations in the unclaimed property claim process. These tools may include workflow templates, suggested documentation checklists, and general process guidance. However, ultimate compliance with state-specific requirements is the Customer's sole responsibility, and the Customer must independently verify all requirements with the relevant state agency.
Claims are submitted by you, the Customer, through the appropriate state agency channels. Claimiflo provides workflow tools to help you prepare, organize, and track claims, but Claimiflo does not submit claims on your behalf.
The approval, denial, or processing of any claim is determined solely by the relevant state agency. Claimiflo has no control over and makes no representations regarding claim outcomes, processing times, or payment amounts.
You understand that not all Findings will result in successful claims. Findings are based on name and address matching against public databases and may include false positives (records that do not belong to your company) or miss legitimate matches.
After a claim is submitted to a state agency, the state may request additional information, documentation, clarification, signatures, notarization, or other follow-up actions. These requests vary by state, may change without notice, and may require actions outside the Claimiflo platform. Claimiflo provides Platform Tools to help you review, organize, track, and prepare for such requests, including suggested next steps, document organization, workflow management, and status tracking. When Claimiflo receives correspondence from a state agency related to a submitted claim, the platform will surface that correspondence to the Customer within the Service. This forwarding is an automated platform function and does not constitute Claimiflo acting as an intermediary, agent, or representative. The Customer remains solely responsible for reviewing all correspondence, responding to state agency requests, sending materials, communicating with agencies, and completing all required steps. Claimiflo does not respond to state agencies on your behalf, does not act as your representative in any state interaction, and does not guarantee that any correspondence will be received, that any issue will be resolved, or that any claim will be approved.
The Service may provide automated suggestions, generated drafts, extracted data, workflow recommendations, or other outputs produced by automated or AI-assisted processes. These outputs are Platform Tools provided for the Customer's convenience and may contain errors, omissions, or inaccuracies. They may also omit applicable state-specific requirements, deadlines, forms, or documentation, and may not reflect changes in law or agency practice. The Customer must independently review all automated outputs before use or submission. Claimiflo does not guarantee the accuracy, completeness, or suitability of any automated suggestion or generated content. The Customer is solely responsible for any actions taken based on automated outputs, including any missed deadlines, claim denials, or financial losses arising from reliance on such outputs.
The Service may provide tools for receiving, organizing, and displaying inbound correspondence related to unclaimed property claims, including correspondence from state agencies.
Any email addresses, correspondence channels, or communication identifiers provided through or associated with the Service are software tools for receiving and organizing correspondence within the platform. Claimiflo is not a mailbox provider, correspondence forwarding service, agent, or representative.
Claimiflo may receive, parse, store, and display inbound correspondence and attachments within the platform for the Customer's review and action. This functionality is a software feature and does not constitute Claimiflo acting as a correspondent, agent, intermediary, or representative on the Customer's behalf.
Claimiflo does not guarantee the delivery, completeness, timeliness, accuracy, or availability of any inbound correspondence displayed within the platform. Correspondence handling depends on third-party email systems, state agency processes, and other factors outside Claimiflo's control.
The Customer is solely responsible for monitoring correspondence displayed within the platform and taking all required actions in response, including responding to state agency requests, submitting documentation, and completing follow-up steps.
Claimiflo does not reply to, forward, or communicate with state agencies or any other parties on the Customer's behalf unless expressly stated in a separate written agreement.
The use of Claimiflo by third-party finders, locators, investigators, heir finders, recovery agents, or any person or entity acting on behalf of another company is expressly prohibited. Claimiflo is designed exclusively for use by authorized employees and officers of the company whose unclaimed property is being searched. If we determine that an account is being used by or on behalf of a third-party finder or agent, we reserve the right to immediately terminate the account without refund.
You agree not to:
Claimiflo offers multiple Subscription Plans with different feature sets, user limits, and entity limits. Current plan details and pricing are available on the activation page.
Subscriptions are billed on a recurring basis — either monthly or annually — depending on the billing interval you select. Payment is processed through Stripe, our third-party payment processor, or by invoice issued to the billing or accounts payable contact you provide during onboarding or within your account settings.
By providing a billing or accounts payable contact during onboarding or within your account settings, you represent and warrant that such contact is authorized to receive invoices and payment notices on behalf of your company. For invoice-billed accounts, Claimiflo will send invoices for Subscription Plan fees to that contact at the start of each billing period and payment will be due within fourteen (14) days of the invoice date.
Your subscription automatically renews at the end of each billing period (monthly or annual) unless cancelled before the renewal date in accordance with Section 12.
You may add additional users or entities (trade names, DBAs, subsidiaries) beyond those included in your base plan. Add-on fees are prorated and billed on the same billing cycle as your base subscription. Annual add-ons are prorated for the remainder of the annual term; monthly add-ons begin on the next billing cycle.
We will provide at least thirty (30) days' written notice before any price increase takes effect. Price increases apply at your next renewal period. You may cancel your subscription before the price increase takes effect.
All fees are exclusive of applicable taxes. You are responsible for any sales tax, use tax, VAT, or other taxes imposed by any jurisdiction.
If a payment fails, we will attempt to process the payment again and notify you. If payment is not received within fourteen (14) days, your account may be suspended until payment is resolved. Account data is preserved during suspension.
New accounts may access a limited free preview of the Service for fourteen (14) days. The preview provides restricted access, including redacted finding details and limited functionality. No payment method is required to start a preview.
If you do not cancel your account before the end of the 14-day preview period, your account will convert to a paid subscription on day fifteen (15) and billing for your selected Subscription Plan will begin. By creating an account and accessing the Service, you authorize Claimiflo to charge your payment method on file or to issue invoices to your designated billing or accounts payable contact for Subscription Plan fees beginning on day fifteen (15) and on each renewal date thereafter, unless you cancel in accordance with Section 12.
Preview accounts that do not convert to a paid subscription will have their data retained for ninety (90) days after the preview expires, after which it may be deleted.
If you do not provide a credit card or other electronic payment method during the preview period, you agree that Claimiflo may bill your company by issuing invoices to the billing or accounts payable contact on file. Invoices for Subscription Plan fees will be issued beginning on day fifteen (15) and thereafter at the start of each billing period unless you cancel in accordance with Section 12.
You may cancel your subscription at any time through the self-service cancellation option in your account settings. No phone call, email, or other action is required.
Upon cancellation:
Claims that have been submitted to state agencies prior to cancellation will continue to be processed by those state agencies according to those agencies' standard procedures. Any funds recovered by state agencies will be paid to you according to the state's standard process. Claimiflo's involvement in claim processing is limited to the platform tools described in these Terms and does not extend beyond the scope of the Service.
After cancellation, Claimiflo will continue to forward any correspondence received from state agencies related to claims that were submitted through the platform prior to cancellation. This forwarding is an automated platform function and does not constitute Claimiflo acting as an intermediary, agent, or representative, nor does it create any ongoing service obligation beyond the automated forwarding itself. Previously received correspondence that was displayed within the platform prior to cancellation will remain accessible during the data retention period described in Section 12.6. Claimiflo does not guarantee that all correspondence will be received or that forwarding will be uninterrupted, and the Customer is encouraged to establish direct channels with state agencies for any ongoing claims.
Claims that have not yet been submitted to a state agency at the time of cancellation will not be processed further. No additional action will be taken on unsubmitted claims after the subscription period ends.
After cancellation, your account data (Findings, documents, notes, and claim history) will be retained and available for export for ninety (90) days. After the 90-day retention period, your data will be permanently deleted unless retention is required by law.
You may reactivate your subscription at any time by selecting a new plan. If you reactivate within the 90-day data retention period, your previous data will be restored.
We take the security and privacy of your data seriously. Customer Data is encrypted in transit (TLS 1.2+) and at rest. Our platform enforces multi-tenant data isolation — your data is segregated and never shared with other customers.
We do not sell, rent, or share your Customer Data with third parties, except as necessary to provide the Service (e.g., payment processing through Stripe).
We will notify you of any data breach affecting your Customer Data within seventy-two (72) hours of discovery.
You may export your Customer Data at any time during your active subscription through the platform's export features.
For purposes of the California Consumer Privacy Act (CCPA) and California Privacy Rights Act (CPRA), Claimiflo acts as a "Service Provider" and processes Customer Data only for the specific business purposes described in these Terms and our Privacy Policy.
Our use of sub-processors (including hosting providers, payment processors, and email services) is described in our Privacy Policy. We require all sub-processors to maintain security standards consistent with our own.
For a complete description of our data practices, please refer to our Privacy Policy.
Claimiflo retains all rights, title, and interest in the Service, including the platform, software, algorithms, matching logic, user interface, documentation, trademarks, and all derivative works. Nothing in these Terms transfers any Claimiflo intellectual property to you.
You retain ownership of all Customer Data you provide to the platform, including company information, documents, notes, and comments.
Findings are derived from publicly available state unclaimed property databases. Neither party claims ownership of publicly available government data. However, Claimiflo's proprietary methods of searching, matching, aggregating, and presenting such data constitute Claimiflo's intellectual property.
We grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Service during your active subscription term, solely for your internal business purposes.
You grant Claimiflo a limited license to use your Customer Data solely for the purpose of providing and improving the Service.
We may use anonymized, aggregated data (stripped of all identifying information) for product improvement, analytics, and industry benchmarking. Such aggregated data cannot be used to identify you or your company.
Claimiflo warrants that:
EXCEPT FOR THE LIMITED WARRANTIES IN SECTION 15.1, THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE." TO THE MAXIMUM EXTENT PERMITTED BY LAW, CLAIMIFLO DISCLAIMS ALL OTHER WARRANTIES, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. SPECIFICALLY:
CLAIMIFLO'S TOTAL AGGREGATE LIABILITY FOR ALL CLAIMS ARISING FROM OR RELATED TO THESE TERMS OR THE SERVICE SHALL NOT EXCEED THE TOTAL FEES PAID BY YOU DURING THE TWELVE (12) MONTHS IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO THE CLAIM.
IN NO EVENT SHALL CLAIMIFLO BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO: LOST PROFITS, LOST REVENUE, LOST BUSINESS OPPORTUNITIES, COST OF SUBSTITUTE SERVICES, LOSS OF DATA, OR FAILED OR DELAYED CLAIM RECOVERIES, REGARDLESS OF WHETHER SUCH DAMAGES WERE FORESEEABLE OR WHETHER CLAIMIFLO WAS ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
WITHOUT LIMITING THE FOREGOING, CLAIMIFLO SHALL NOT BE LIABLE FOR:
The limitations in this Section 16 do not apply to liability arising from: (a) gross negligence or willful misconduct; (b) breach of confidentiality obligations regarding Customer Data; or (c) fraud.
You agree to indemnify, defend, and hold harmless Claimiflo and its officers, directors, employees, and agents from any claims, losses, damages, liabilities, and expenses (including reasonable attorneys' fees) arising from:
Claimiflo will indemnify and defend you against third-party claims alleging that the Service infringes a valid United States patent, copyright, or trademark, provided that you promptly notify us and cooperate in the defense.
Before initiating any formal dispute resolution proceeding, you agree to first contact us at support@claimiflo.com and attempt to resolve the dispute informally for at least thirty (30) days.
If informal resolution is unsuccessful, any dispute, claim, or controversy arising out of or relating to these Terms or the Service shall be resolved by binding arbitration administered by the American Arbitration Association (AAA) under its Commercial Arbitration Rules. The arbitration shall be conducted in Orange County, California.
YOU AGREE THAT ANY DISPUTE RESOLUTION PROCEEDINGS WILL BE CONDUCTED ONLY ON AN INDIVIDUAL BASIS AND NOT IN A CLASS, CONSOLIDATED, OR REPRESENTATIVE ACTION. YOU WAIVE ANY RIGHT TO PARTICIPATE IN A CLASS ACTION LAWSUIT OR CLASS-WIDE ARBITRATION.
Either party may bring an individual action in small claims court for disputes within the court's jurisdictional limits.
These Terms shall be governed by and construed in accordance with the laws of the State of California, without regard to its conflict of laws principles. The United Nations Convention on Contracts for the International Sale of Goods does not apply.
Claimiflo uses commercially reasonable efforts to maintain the availability of the Service. However, the Service may experience downtime for maintenance, updates, or unforeseen technical issues.
Scheduled maintenance will be communicated in advance when practicable. Service status information is available at status.claimiflo.com.
Claimiflo is not responsible for disruptions caused by factors outside our control, including internet connectivity issues, third-party service outages, or state database downtime.
Claimiflo may modify, update, limit, suspend, or remove features, workflows, integrations, or functionality of the Service at any time, including as necessary to address changes in applicable law, regulations, state agency processes, third-party system availability, or security requirements. We will use commercially reasonable efforts to provide advance notice of material changes to Service functionality, but changes required by law, regulation, or security concerns may be made immediately without prior notice.
Claimiflo provides email support to all active subscribers. Support inquiries may be sent to support@claimiflo.com.
We will use commercially reasonable efforts to respond to support inquiries within two (2) business days.
Support is available for platform-related questions and issues. Claimiflo support does not provide legal, tax, or accounting advice, and cannot advise on state-specific claim requirements or regulatory compliance.
Each party agrees to keep the other party's confidential information confidential and to use it only for the purposes of these Terms.
Confidential information does not include information that: (a) is or becomes publicly available through no fault of the receiving party; (b) was already known to the receiving party; (c) is independently developed by the receiving party; or (d) is required to be disclosed by law.
Confidentiality obligations survive termination of these Terms for two (2) years.
We may update these Terms from time to time. We will provide at least thirty (30) days' notice of material changes via email to your account's registered email address and/or through an in-app notification.
Continued use of the Service after the effective date of updated Terms constitutes acceptance of the updated Terms. If you do not agree to the updated Terms, you may cancel your subscription before the changes take effect without penalty.
These Terms, together with our Privacy Policy, constitute the entire agreement between you and Claimiflo regarding the Service and supersede all prior agreements and understandings.
If any provision of these Terms is found to be unenforceable, the remaining provisions will continue in full force and effect.
Our failure to enforce any provision of these Terms is not a waiver of that provision or any other provision.
You may not assign these Terms or your account without our prior written consent. Claimiflo may assign these Terms in connection with a merger, acquisition, or sale of all or substantially all of its assets.
Neither party shall be liable for any failure or delay in performance due to causes beyond its reasonable control, including natural disasters, government actions, changes to third-party databases, internet outages, or pandemic-related disruptions.
Notices to you will be sent to the email address on file for your account. Notices to Claimiflo should be sent to support@claimiflo.com.
These Terms do not create any rights for any third party.
Section headings are for convenience only and do not affect the interpretation of these Terms.
If you have questions about these Terms, please contact us at support@claimiflo.com before subscribing.