Terms of service

1. Agreement

These terms are a binding agreement between you and Handler Labs LLC ("we", "us"), operator of Recoupe at getrecoupe.com. By using the site you accept them. If you do not accept them, do not use the site.

2. What the service is

Recoupe provides:

• A free calculator producing an informational diminished value estimate;
• General informational content about diminished value claims, state rules and insurer practices;
• On payment, generated documents, a valuation report and a demand letter, and on the premium tier an escalation kit, prepared from information you supply.

3. What the service is not

This section is the most important one in this agreement, and it is expanded in our legal disclaimer.

• Not legal advice. We are not a law firm and do not practise law. No attorney-client relationship arises from your use of the site.
• Not a licensed appraisal. We do not inspect vehicles and are not licensed appraisers. Our report is a documented estimate, not an appraisal within the meaning of any licensing statute.
• Not claim representation. We do not adjust, negotiate, or present your claim. You do that.
• Not a guarantee. We do not promise any particular recovery, or any recovery. No insurer is obliged to accept our figure.

4. Your responsibilities

You agree that:

• The information you enter is accurate and complete to the best of your knowledge. Everything we produce depends on it and we cannot verify it.
• You will review any generated document before sending it, and you are responsible for its contents once you sign and send it.
• You will not use the service to present a claim you know to be false or inflated.
• You will verify any legal deadline before relying on it. Limitation periods are stated as guidance and are not a substitute for advice about your own facts.
• You are at least 18 and legally able to enter this agreement.

5. Payment

• Prices are shown before purchase: $49 for the Claim Packet and $79 for the Claim Packet + Escalation Kit. Both are one-time charges in US dollars.
• There is no subscription and no recurring charge of any kind.
• Payment is processed by Stripe. We never receive or store your card details.
• Your packet remains available for 180 days after purchase, after which personal details are erased under our privacy policy.
• We may change prices at any time; the price shown at the moment of purchase is the price that applies to that purchase.

6. Refunds

Full refund on request within 30 days, for any reason, with no justification required and no exclusion for having downloaded or sent the documents. See the refund policy, which forms part of these terms.

7. Your content and our licence to use it

You keep ownership of everything you enter. You grant us a limited licence to process it solely to provide the service, to compute your estimate, generate your documents and deliver them to you. We do not use it for anything else, and we do not sell it.

8. Our content

The site, its content, the valuation methodology and the document templates are owned by Handler Labs LLC and protected by copyright.

The documents we generate for you are yours. Print them, send them, give them to an appraiser or an attorney, file them in court. You may not resell them or use our templates to operate a competing service.

9. Acceptable use

You agree not to:

• Scrape, mirror or bulk-download the site;
• Attempt to access estimates or packets that are not yours, including by guessing access tokens;
• Interfere with, overload or probe the service or its infrastructure;
• Use the service for any unlawful purpose.

Good-faith security research is welcome. Report findings to support@getrecoupe.com and we will not pursue you for it.

10. Availability

We aim to keep the service available but do not guarantee uninterrupted access. We may modify, suspend or discontinue any part of it. If we discontinue the service entirely, we will give reasonable notice and make purchased packets available for download during that period.

11. Disclaimer of warranties

The service is provided "as is" and "as available". To the fullest extent permitted by law, we disclaim all warranties, express or implied, including merchantability, fitness for a particular purpose and non-infringement.

We do not warrant that the estimate will be accepted by any insurer, that any legal information is current or applicable to your circumstances, or that the service will be error-free.

12. Limitation of liability

To the fullest extent permitted by law, our total liability to you for any claim arising out of or relating to the service is limited to the amount you paid us in the twelve months preceding the claim.

We are not liable for indirect, incidental, special, consequential or punitive damages, including lost recovery on an insurance claim, lost profits, or loss of data, even if we were advised of the possibility.

Nothing in these terms excludes or limits liability for fraud, fraudulent misrepresentation, or any liability that cannot lawfully be excluded. Some jurisdictions do not allow certain exclusions, so parts of this section may not apply to you.

13. Indemnity

You agree to indemnify us against claims arising from your misuse of the service, your breach of these terms, or your submission of information you knew to be false.

14. Governing law and disputes

These terms are governed by the laws of the State of Delaware, without regard to its conflict-of-laws rules. Any dispute will be brought in the state or federal courts located in Delaware, and you and we consent to that jurisdiction.

Before filing anything, please email support@getrecoupe.com. We resolve essentially every complaint by fixing the document or refunding the purchase, and we would rather do that than litigate over $49.

Nothing here prevents you from bringing a claim in small claims court, or from contacting a consumer protection agency.

15. Changes to these terms

We may update these terms. Material changes will be reflected in the effective date at the top, and the version in force at the time of your purchase governs that purchase.

16. Miscellaneous

• If any provision is held unenforceable, the rest remains in force.
• Our failure to enforce a provision is not a waiver of it.
• These terms, together with the privacy policy, refund policy and disclaimer, are the entire agreement between us.