Terms of Service

1. Introduction

These Terms of Service ("Terms") govern your use of the GotAClaim platform and related services ("the Platform") provided by Gotaclaim Ltd trading as Gotaclaim.com, a company registered in the Republic of Ireland (company number 768361) ("GotAClaim", "we", "our", "us").

By accessing or using the Platform, you agree to be bound by these Terms. If you do not agree, please do not use the Platform.

2. Nature of Service

GotAClaim is a self-service legal-automation platform. It provides software tools that allow users ("you", "your") to:

• prepare, download and send your own Letter Before Action (LBA) or similar correspondence;
• track responses and manage your own settlement decisions; and
• process settlement payments securely through a regulated third-party payment provider (Stripe Payments Europe Ltd).

2.1 No Legal Advice or Representation

• GotAClaim is not a law firm, solicitor's practice or claims-management company.
• We do not give legal advice, investigate claim merits or act on behalf of any user.
• All communications generated through the Platform are sent in your own name.
• Any automated text or prompts are generic and for information only.
• You remain entirely responsible for the content of each letter and all decisions about your claim.

This self-service structure places GotAClaim outside the scope of regulatory requirements for claims-management activities under Irish consumer protection legislation.

3. Eligibility and Accounts

You must:

• be at least 18 years old;
• provide accurate and complete information;
• keep your login credentials secure; and
• notify us immediately of unauthorised use of your account.

You are responsible for all activity conducted through your account.

4. Acceptable Use

You agree not to:

• submit false or misleading claims;
• use the Platform for any unlawful or fraudulent purpose;
• harass or abuse other users;
• interfere with the operation or security of the Platform; or
• infringe any third-party intellectual-property rights.

5. Fees and Payments

5.1 Platform Access Fees

Use of the Platform may be subject to a clearly displayed fixed fee payable at the point of use. Fees relate solely to access to technology tools and are not contingent on claim outcome.

5.2 Payment Processing

All settlement payments between users are processed by Stripe Payments Europe Ltd, which is authorised and regulated by the Central Bank of Ireland as an Electronic Money Institution under the European Communities (Electronic Money) Regulations 2011.

GotAClaim:

• never holds or controls client funds;
• receives only its disclosed platform fee; and
• cannot influence or guarantee payment timing.

5.3 Taxes and Changes

Fees include VAT where applicable. We may revise our fee schedule with 30 days' notice by posting an updated version on our website.

6. Settlement Function

When a defendant replies through the Platform, the message is displayed to you only. GotAClaim does not recommend, evaluate or negotiate any offer.

You may choose to accept, reject or counter an offer using the on-screen options.

Acceptance triggers Stripe's payment workflow. Once funds are transferred, our role in that transaction ends.

If you do not receive a response from the defendant, you may choose to refer your case to an independent solicitor via the Platform. By selecting this option, you consent to GotAClaim sharing your claim details with regulated legal practitioners for the purpose of potential representation.

7. User Responsibilities

• You warrant that all claim details you enter are accurate and that you have a lawful basis for your claim.
• You are responsible for verifying defendant contact information and ensuring service of documents.
• Pursuing unfounded or vexatious claims may expose you to legal liability and will result in account suspension.
• You should seek independent legal advice for complex or high-value matters.

8. Intellectual Property

• All templates, forms, and automated document-generation systems are proprietary to Gotaclaim Ltd.
• You receive a limited, non-exclusive licence to use them solely for legitimate personal or business claims.
• You may not copy, resell, or redistribute our templates or platform content.
• You retain ownership of factual information and materials you upload, but grant us a licence to use that data solely to operate and improve the Platform.

9. Third-Party Services

• The Platform integrates with third-party services such as Stripe, Supabase, and Resend.
• Your use of those services is subject to their own terms and privacy policies.
• GotAClaim is not responsible for their actions or omissions.

10. Data Protection and Privacy

• We process personal data in accordance with our Privacy Policy, the EU General Data Protection Regulation (GDPR) and the Data Protection Act 2018 (Ireland).
• We maintain appropriate encryption, access controls and retention periods (normally 7 years for tax and legal compliance).
• You are responsible for ensuring that any defendant information you supply has been obtained lawfully.

11. Disclaimers

• The Platform and its contents are provided "as is" and "as available" without any warranty of accuracy, completeness, fitness for a particular purpose or non-infringement.
• GotAClaim does not guarantee that any claim will succeed, that any defendant will respond, or that payment will be received.

12. Limitation of Liability

To the maximum extent permitted by law:

• Gotaclaim Ltd shall not be liable for any indirect, incidental, special or consequential loss (including loss of profits, data or business).
• Our total liability arising from or in connection with the Platform shall not exceed the total fees you paid to us in the 12 months preceding the event giving rise to the claim.

Nothing in these Terms excludes or limits liability for death or personal injury caused by negligence, fraud or fraudulent misrepresentation, or any other liability that cannot be excluded or limited under Irish law.

13. Indemnity

You agree to indemnify and hold harmless Gotaclaim Ltd, its directors and employees from any claims, losses or expenses arising out of:

• your misuse of the Platform;
• inaccurate or unlawful information you provide; or
• your breach of these Terms.

14. Termination

• We may suspend or terminate your account at any time for breach of these Terms.
• You may close your account by emailing [email protected].
• Termination does not affect any accrued rights or payment obligations.

15. Regulatory Position Statement

Gotaclaim Ltd operates as an unregulated technology provider.

Because:

• Users act entirely in their own name;
• GotAClaim provides no advice, investigation or representation; and
• All payments are executed by a regulated payment processor;

Gotaclaim Ltd is not required to hold authorisation from the Central Bank of Ireland for payment services or claims-management activities.

16. Governing Law and Jurisdiction

• These Terms and any dispute arising out of them are governed by the laws of the Republic of Ireland.
• The courts of the Republic of Ireland shall have exclusive jurisdiction.

17. Amendments

We may update these Terms periodically. The latest version will always appear on our website with the "last updated" date shown above. Continued use of the Platform constitutes acceptance of any changes.

18. Contact

For questions about these Terms or regulatory matters, please contact: