Terms of Service

1. Acceptance of Terms

By accessing or using the website located at dcspia.com (the "Site"), the DCS client portal, or any related digital services (collectively, the "Services"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to all of these Terms, you must not access or use the Services. Your continued use of the Services after any modification to these Terms constitutes acceptance of the modified Terms.

2. Services Provided

Dependable Claims Specialists, LLC ("DCS," "we," "us," or "our") is a licensed public adjusting firm providing claim advocacy, estimation, negotiation, and settlement services for insurance policyholders in Texas and Florida. All information provided on this website is for general informational purposes only and does not constitute legal, financial, or insurance advice. No professional relationship or engagement is created until a formal written contract is executed between you and DCS.

4. Data & Communication

By using our client portal and communication systems, you agree to provide accurate, current, and complete information regarding your claim. You acknowledge and consent to our Privacy Policy, including the use of your data with Artificial Intelligence (AI) tools for claim processing, and the sharing of necessary claim information with affiliated vendors, contractors, attorneys, and specialized experts as required to process your claim.

SMS Messaging: Providing your mobile number and opting in to SMS is entirely optional and is never a condition of service. SMS messaging is used solely for transactional, claim, and appointment updates. We do not sell or share your mobile number for marketing purposes.

You may opt out of SMS messages at any time by replying STOP to any message. Reply HELP for assistance. Standard message and data rates may apply. Message frequency varies.

5. Intellectual Property Rights

All content on this Site, including but not limited to text, graphics, logos, images, icons, software, data compilations, page layout, underlying code, Xactimate estimates, claim reports, AI-generated analyses, and all other materials, is the exclusive property of DCS or its licensors and is protected by United States and international copyright, trademark, and other intellectual property laws.

You are granted a limited, non-exclusive, non-transferable, revocable license to access and use the Site for personal, non-commercial purposes related to evaluating or engaging DCS's services. You may not: (a) reproduce, distribute, modify, or create derivative works from any content without prior written consent; (b) use any DCS branding, logos, or trademarks without authorization; (c) use automated tools to scrape, harvest, or extract content from the Site.

6. Prohibited Activities

You agree not to:

• •Use the Services for any unlawful purpose or in violation of any applicable law or regulation
• •Attempt to gain unauthorized access to any part of the Site, other users' accounts, or any systems or networks connected to the Services
• •Use automated scripts, bots, scrapers, or crawlers to access, collect, or extract data from the Site
• •Submit false, misleading, or fraudulent information through any form or portal
• •Interfere with or disrupt the integrity or performance of the Services or related systems
• •Impersonate any person or entity, or misrepresent your affiliation with any person or entity
• •Use any content from the Site for competing commercial purposes, lead generation, or data brokering
• •Transmit any viruses, malware, or other harmful code

Violation of these prohibitions may result in immediate termination of your access to the Services and may subject you to civil and criminal liability.

7. User Content & Submissions

By submitting any information, documents, photographs, or other content through our forms, portal, or communication channels ("User Content"), you represent and warrant that: (a) you own or have the right to share such content; (b) the content is accurate and not misleading; and (c) sharing the content does not violate any third party's rights.

You grant DCS a non-exclusive, royalty-free, worldwide license to use, process, store, and share your User Content solely for the purposes of evaluating, processing, and advocating for your insurance claim. DCS will handle all User Content in accordance with our Privacy Policy and applicable confidentiality obligations.

9. Indemnification

You agree to defend, indemnify, and hold harmless DCS, its owners, officers, directors, employees, agents, and affiliates from and against any and all claims, damages, obligations, losses, liabilities, costs, or expenses (including reasonable attorneys' fees) arising from or related to: (a) your use of the Services; (b) your violation of these Terms; (c) your violation of any third-party rights, including intellectual property or privacy rights; (d) any User Content you submit; or (e) your negligent or wrongful conduct.

This indemnification obligation shall survive termination of these Terms and your use of the Services.

10. Dispute Resolution & Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Texas, without regard to its conflict of law provisions. For claims arising under Florida law, the laws of the State of Florida shall apply where mandated by statute.

Mandatory Arbitration: Any dispute, claim, or controversy arising out of or relating to these Terms or the Services shall be resolved by binding arbitration administered by the American Arbitration Association (AAA) under its Commercial Arbitration Rules. The arbitration shall take place in Harris County, Texas. The arbitrator's decision shall be final and binding and may be entered as a judgment in any court of competent jurisdiction.

Class Action Waiver: 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 expressly waive any right to participate in a class action lawsuit or class-wide arbitration against DCS.

Exception: Either party may seek injunctive or equitable relief in a court of competent jurisdiction to prevent actual or threatened infringement, misappropriation, or violation of intellectual property rights.

11. Third-Party Links & Services

The Site may contain links to third-party websites, services, or resources that are not owned or controlled by DCS. We are not responsible for the content, privacy practices, or availability of any third-party sites. The inclusion of any link does not imply endorsement by DCS. Your interactions with third-party services are solely between you and that third party, and DCS shall have no liability for any loss or damage arising from such interactions.

12. Force Majeure

DCS shall not be liable for any failure or delay in performing its obligations under these Terms where such failure or delay results from circumstances beyond DCS's reasonable control, including but not limited to: acts of God, natural disasters, hurricanes, floods, fires, pandemics, epidemics, war, terrorism, riots, government actions, embargoes, sanctions, labor disputes, power failures, internet or telecommunications outages, cyberattacks, or failures of third-party service providers.

13. Termination

DCS reserves the right, in its sole discretion, to suspend or terminate your access to all or any part of the Services at any time, with or without cause, with or without notice. Upon termination, your right to use the Services will immediately cease. All provisions of these Terms that by their nature should survive termination shall survive, including but not limited to: intellectual property provisions, warranty disclaimers, limitation of liability, indemnification, and dispute resolution.

14. Severability & Waiver

If any provision of these Terms is held to be invalid, illegal, or unenforceable by a court of competent jurisdiction, such provision shall be modified to the minimum extent necessary to make it enforceable, and the remaining provisions shall continue in full force and effect.

The failure of DCS to exercise or enforce any right or provision of these Terms shall not constitute a waiver of such right or provision. No waiver shall be effective unless in writing and signed by DCS.

15. Modification of Terms & Entire Agreement

DCS reserves the right to modify, amend, or replace these Terms at any time in its sole discretion. Material changes will be indicated by updating the "Last Updated" date at the top of this page. Your continued use of the Services after any such changes constitutes your binding acceptance of the revised Terms. It is your responsibility to review these Terms periodically.

These Terms, together with the Privacy Policy, constitute the entire agreement between you and DCS regarding the use of the Services and supersede all prior agreements, understandings, or representations, whether written or oral, regarding the same subject matter. Nothing in these Terms shall create any third-party beneficiary rights.

16. Data Collection & Pattern Analytics Consent

By using our services, you acknowledge and agree that Dependable Claims Specialists (DCS PIA) may collect and analyze data related to vendor habits, carrier response patterns, and Standard Operating Procedures (SOPs) encountered during claim processing.

This data collection serves the following purposes: industry advocacy and legislative support, identifying systemic bad faith practices to protect the public adjusting industry, improving claim processing methodologies, and providing anonymized industry benchmarks.

All pattern analytics are conducted on de-identified, aggregated data. Your individual claim details remain confidential and are never shared in identifiable form for analytics purposes.