These Terms of Service ("Terms") are a binding agreement between you and DeltaBid ("DeltaBid," "we," "us"), the operator of the service available at deltabid.ai (the "Service"). By creating an account, uploading a document, or otherwise using the Service, you agree to these Terms. If you are using the Service on behalf of a company or firm, you represent that you have authority to bind that organization, and "you" refers to that organization.
If you do not agree to these Terms, do not use the Service.
DeltaBid is a software tool that extracts data from construction and property-loss estimate documents (such as Xactimate PDF estimates), compares two estimates at the category, room, and line-item level, and produces comparison worksheets, summaries, and reports intended to help you identify differences between estimates.
DeltaBid is a productivity and analysis tool. It does not adjust claims, negotiate with insurance companies, render opinions on coverage, or replace the judgment of a licensed professional.
"Customer Content" means the documents you upload (including estimates), the information contained in them, and the data extracted from them. As between you and us, you own your Customer Content.
You grant us a limited, non-exclusive, worldwide license to host, process, transmit, analyze, display, and create derivative analyses of Customer Content solely to (a) provide, maintain, and secure the Service for you, (b) comply with law, and (c) with data aggregated and de-identified so it cannot reasonably identify you, your clients, or any claim, improve the Service. This license ends when Customer Content is deleted from the Service, except for de-identified data and copies retained in routine backups for a limited period or as required by law.
You represent and warrant that you have all rights, consents, and legal authority necessary to upload Customer Content and to authorize the processing described in these Terms — including with respect to any personal information of policyholders, insureds, or other third parties contained in the documents.
Our collection and use of personal information is described in our Privacy Policy, which is incorporated into these Terms. In summary: uploaded estimates frequently contain personal information about policyholders (names, addresses, claim numbers). We process that information only to provide the Service, we do not sell it, and we restrict its use by our service providers to performing services for us. You can request deletion of your uploaded documents and derived data as described in the Privacy Policy.
The Service uses automated text extraction and artificial-intelligence models (including third-party AI providers) to parse documents, match categories and line items, and generate summaries and explanations ("Output"). You acknowledge that:
Subject to your rights in the underlying Customer Content, you may use Output generated for you in your business, including in claim files and reports you prepare.
The Service does not provide legal, insurance, adjusting, appraisal, engineering, accounting, or other professional advice, and no Output constitutes such advice. Use of the Service does not create any adjuster-client, attorney-client, or fiduciary relationship with us.
If you are a licensed professional (for example, a public adjuster licensed in California, Arizona, or elsewhere), you remain solely responsible for complying with all laws, regulations, and ethical rules applicable to your license and your engagements — including fee, disclosure, solicitation, and claims-handling requirements. The Service is not a compliance tool and does not verify that your use of it, or any document you produce with it, satisfies your regulatory obligations.
You agree not to, and not to permit anyone to:
We own the Service, including its software, parsing logic, designs, report formats, and all related intellectual property. These Terms grant you a limited, non-exclusive, non-transferable right to access and use the Service during your subscription, and no other rights.
If you send us suggestions or feedback, you grant us a perpetual, irrevocable, royalty-free license to use it without restriction or obligation to you.
The Service relies on third-party providers, including cloud hosting, payment processing, authentication (such as Google sign-in), and AI model providers. Their services are subject to their own terms, and we are not responsible for their acts or omissions, though we select providers with commercially reasonable care.
Xactimate® is a registered trademark of Xactware Solutions, Inc., a Verisk company. DeltaBid is an independent product and is not affiliated with, endorsed by, or sponsored by Xactware, Verisk, or any insurance company. References to Xactimate describe file compatibility only.
THE SERVICE AND ALL OUTPUT ARE PROVIDED "AS IS" AND "AS AVAILABLE." TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, ACCURACY, AND UNINTERRUPTED OR ERROR-FREE OPERATION. WE DO NOT WARRANT THAT OUTPUT WILL BE ACCURATE OR COMPLETE, THAT ANY ESTIMATE WILL BE PARSED CORRECTLY, OR THAT USE OF THE SERVICE WILL ACHIEVE ANY PARTICULAR CLAIM RESULT OR RECOVERY.
TO THE MAXIMUM EXTENT PERMITTED BY LAW: (A) NEITHER WE NOR OUR SUPPLIERS WILL BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR LOST PROFITS, LOST REVENUE, LOST CLAIMS RECOVERY, LOSS OF DATA, OR BUSINESS INTERRUPTION, EVEN IF ADVISED OF THE POSSIBILITY; AND (B) OUR TOTAL AGGREGATE LIABILITY ARISING OUT OF OR RELATING TO THE SERVICE OR THESE TERMS WILL NOT EXCEED THE GREATER OF (i) THE AMOUNTS YOU PAID US FOR THE SERVICE IN THE TWELVE (12) MONTHS BEFORE THE EVENT GIVING RISE TO LIABILITY, OR (ii) ONE HUNDRED U.S. DOLLARS ($100).
Some jurisdictions do not allow certain limitations, so parts of this section may not apply to you. Nothing in these Terms limits liability that cannot be limited by law, including for fraud or willful misconduct.
You will defend, indemnify, and hold harmless DeltaBid and its officers, employees, and agents from and against claims, damages, and expenses (including reasonable attorneys' fees) arising out of (a) your Customer Content, including any claim that it infringes or misappropriates third-party rights or was uploaded without necessary rights or consents; (b) your use of Output in claims, reports, negotiations, or proceedings; or (c) your violation of these Terms or applicable law, including insurance-licensing and claims-handling regulations.
These Terms are governed by the laws of the State of California, without regard to conflict-of-laws rules. The exclusive venue for any dispute not subject to informal resolution is the state or federal courts located in California, and each party consents to their jurisdiction. Before filing any claim, you agree to first contact us and attempt in good faith to resolve the dispute informally for at least 30 days. Each party waives any right to a jury trial to the extent permitted by law, and disputes may be brought only on an individual basis, not as a class or representative action.
We are actively developing the Service and may add, change, or remove features at any time. We may update these Terms from time to time. For material changes, we will give reasonable advance notice (for example, by email or an in-product notice). Changes take effect on the stated effective date, and continued use of the Service after that date constitutes acceptance. If you do not agree to a change, your remedy is to stop using the Service and cancel your subscription before it takes effect.
Questions or legal notices: info@deltabid.ai