1. Acceptance of Terms

These Terms of Use (“Terms”) govern your access to and use of the website, platforms, content, and services provided by The Specialist Opinion, together with its affiliates, related entities, subsidiaries, and associated brands, including but not limited to ClaimsAssist (collectively, the “Company,” “we,” “us,” or “our”).

By accessing, browsing, or using this website or any of the Company’s services, you acknowledge that you have read, understood, and agree to be bound by these Terms, as well as our Disclaimer and Privacy Policy, which are incorporated by reference.

If you do not agree to these Terms, you must not use the website or services.

2. Eligibility and Authority

By using this website or services, you represent and warrant that:

• You are at least 18 years of age or have legal capacity

• You are authorized to provide any information submitted

• You will use the website and services only for lawful purposes

The Company reserves the right to restrict or terminate access at its sole discretion.

3. Nature of Services

The Company provides informational, administrative, coordination, facilitation, and support services only. The Company does not provide legal, medical, financial, insurance, or professional advice.

All services are non-decisional and non-advisory, and the Company does not assume responsibility for outcomes resulting from reliance on any information or services provided.

4. User Responsibilities

You agree to:

• Provide accurate, complete, and lawful information

• Maintain confidentiality of any login credentials

• Use the website and services responsibly and lawfully

• Not misuse, copy, or exploit content or systems

You are solely responsible for all actions taken under your account or using information obtained through the Company.

5. Prohibited Conduct

You must not:

• Use the website for unlawful, misleading, or fraudulent purposes

• Misrepresent your identity or authority

• Interfere with website security or functionality

• Upload malicious code or harmful content

• Infringe intellectual property rights

• Attempt to obtain unauthorized access to systems or data

Any breach may result in immediate suspension or termination of access.

6. Intellectual Property

All content, materials, trademarks, logos, text, graphics, and software on this website are the property of the Company or its licensors and are protected by applicable intellectual property laws.

You are granted a limited, non-exclusive, non-transferable, revocable license to access the website for personal or internal business use only. No rights are granted beyond those expressly stated.

7. Third-Party Links and Services

The website may contain links to third-party websites or services. The Company does not control and is not responsible for the content, services, actions, or omissions of any third party.

Your engagement with third parties is solely at your own risk.

8. Fees and Payments

Where applicable, fees for services will be disclosed separately and may be subject to additional terms. The Company reserves the right to modify pricing or service structures at any time.

Failure to pay applicable fees may result in suspension or termination of services.

9. Disclaimer of Warranties

The website and services are provided on an “as is” and “as available” basis. To the fullest extent permitted by law, the Company disclaims all warranties, express or implied, including but not limited to accuracy, reliability, fitness for a particular purpose, and non-infringement.

10. Limitation of Liability

To the maximum extent permitted by law, the Company shall not be liable for any loss, damage, claim, cost, or expense arising out of or in connection with:

• Use or inability to use the website or services

• Reliance on content or services

• Errors, omissions, delays, or interruptions

• Acts or omissions of third parties

• Unauthorized access or data breaches

This includes indirect, incidental, consequential, or punitive damages.

11. Indemnity

You agree to indemnify, defend, and hold harmless the Company, its affiliates (including ClaimsAssist), directors, officers, employees, agents, and contractors from and against all claims, losses, damages, liabilities, costs, and expenses (including legal fees) arising from:

• Your use of the website or services

• Your breach of these Terms

• Any allegation that the Company provided wrongful, negligent, or misleading advice based on your reliance

• Any violation of applicable laws or third-party rights

12. Suspension and Termination

The Company may suspend or terminate your access to the website or services at any time, with or without notice, for any breach of these Terms or for operational, legal, or security reasons.

13. Amendments

The Company reserves the right to amend these Terms at any time. Continued use of the website or services constitutes acceptance of the updated Terms.

14. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the applicable jurisdiction in which the Company operates, without regard to conflict of law principles.

15. Severability

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall remain in full force and effect.