1. What We Offer & Who Can use
The Website provides a platform for claimants, insurance companies (or their authorized representatives) or uninsured defendants to engage in a dispute resolution process for monetary disputes. In this process: Parties will submit settlement offers or demands without knowledge of the other party's submissions unless voluntarily revealed.
To use the platform, you must:
Be at least 18 years old
Be capable of forming a legally binding contract
If using on behalf of an organization, have authority to bind that organization to these terms
Comply with all applicable laws, including those related to insurance and dispute resolution
You must be at least 18 years old and capable of forming a legally binding contract to use the Website. By using the Service, you represent and warrant that you meet these requirements and that your use complies with all applicable laws and regulations, including those related to insurance, dispute resolution, and data privacy.
If you are using the Service on behalf of an entity (e.g., an insurance company), you represent that you have the authority to bind that entity to these Terms.
DBSS is not a law firm and does not provide legal advice. Consult your own legal counsel.
Please, note: These Terms of Use ("Terms") govern your access to and use of the Website, including any content, functionality, and services offered on or through the Website. By accessing or using the Website, you agree to be bound by these Terms. If you do not agree to these Terms, you must not access or use the Website.
These Terms apply to all users of the Website, including claimants, insurance companies, representatives, and any other visitors or participants (collectively, "Users" or "you").
2. Your Account & How to Use
You are responsible for keeping your account secure. This means:
Provide accurate, current, and complete information during registration
Maintain the security of your account credentials and notify us immediately of any unauthorized access
Be responsible for all activities that occur under your account
User Conduct and Responsibilities
You agree to use the Service only for lawful purposes and in accordance with these Terms. Specifically, you must not:
- Submit false, misleading, or fraudulent information.
- Interfere with the Process, including attempting to access or reveal the other party's submissions.
- Use the Service to harass, defame, or threaten others.
- Upload viruses, malware, or any harmful code.
- Violate any intellectual property rights or confidential information of third parties.
- Engage in any activity that could damage, disable, or overburden the Website.
Users are solely responsible for the accuracy and legality of their submissions. We do not verify claims, offers, or eligibility.
Users participate at their own risk.
3. Fees & Payments
All fees are non-refundable unless otherwise stated.
Case Initiation Fee Per User
$100.00
Mediation session
$400.00
4. Intellectual Property & Privacy
Intellectual Property
The Website and its content (including text, graphics, logos, and software) are owned by us or our licensors and protected by copyright, trademark, and other intellectual property laws. You are granted a limited, non-exclusive, non-transferable license to access and use the Service for its intended purpose.
You retain ownership of any content you submit (e.g., dispute details), but grant us a worldwide, royalty-free license to use, store, and process it in confidence as necessary to provide the Service.
User Content
You are responsible for any content you submit. By submitting content, you represent that it is accurate, does not violate third-party rights, and complies with applicable laws.
We may review, remove, or modify content at our discretion but have no obligation to do so.
Privacy
Your use of the Service is subject to our Privacy Policy, which explains how we collect, use, and protect your information. By using the Service, you consent to such practices.
5. What We Don't Guarantee & Limitation of Liability
THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT.
We do not warrant that the Service will be uninterrupted, error-free, or secure. We are not responsible for any disputes, settlements, or outcomes arising from the Service.
Limitation of Liability
TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING LOSS OF PROFITS, DATA, OR GOODWILL, ARISING FROM YOUR USE OF THE SERVICE, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
Our total liability shall not exceed the amount of your payment to use the Website.
Indemnification
You agree to indemnify, defend, and hold harmless us, our affiliates, officers, directors, employees, and agents from any claims, liabilities, damages, losses, and expenses (including reasonable attorneys' fees) arising from your use of the Service, violation of these Terms, or infringement of third-party rights.
6. Termination & Governing Law
Termination
We may terminate or suspend your access to the Service at any time, without notice, for any reason, including violation of these Terms. Upon termination, your right to use the Service ceases immediately.
Governing Law
These Terms shall be governed by the laws of the state of your use, without regard to conflict of law principles.
Changes to Terms
We may update these Terms at any time. We will notify you of material changes via the Website or email. Continued use after changes constitutes acceptance.
Miscellaneous
These Terms constitute the entire agreement between you and us. If any provision is unenforceable, the remainder remains in effect. No waiver of any term is a further or continuing waiver.
Contact Us
For questions about these Terms, contact us. By using the Website, you acknowledge that you have read, understood, and agree to these Terms.