Terms of Use — PolicyholderAid

[NEEDS LEGAL REVIEW] — California counsel must review this page before production launch (see PUNCHLIST.md Tier 1). The text below is a starting framework, not finalized terms.

Last updated: 2026-04-26

1. Educational use only

Content on PolicyholderAid.org is for general educational purposes. It is not legal advice, not insurance advice, and not a substitute for consultation with a licensed California public adjuster, a California-licensed attorney, or your insurance carrier. Use of this site does not create any attorney-client, adjuster-client, or fiduciary relationship.

2. No guarantee of outcome

Past results discussed on this site do not guarantee future outcomes. Every insurance claim is fact-specific. We make no representation that following any guidance on this site will produce any particular result for your claim.

3. Free claim review intake

Submitting the free-claim-review form is a request — not a binding engagement. No public adjusting or legal services are provided to you unless and until a separate written agreement is signed with our affiliated California public adjuster firm or a referred attorney.

4. Third-party links

We link to government, court, and news sources for verification. We are not responsible for the content of those external sites.

5. Intellectual property

Content on this site is © PolicyholderAid LLC. You may quote excerpts with attribution and a working link. You may not republish entire articles without written permission.

6. Limitation of liability

To the maximum extent permitted by California law, PolicyholderAid LLC disclaims liability for any loss arising from reliance on information published on this site.

7. Governing law

These Terms are governed by the laws of the State of California, without regard to conflict-of-laws principles. Disputes shall be resolved in the state or federal courts located in Los Angeles County, California.

8. Changes

We may update these Terms. The "Last updated" date at the top reflects the most recent revision.

Contact

Questions: hello@policyholderaid.org.