Terms of Service.
Agreement to Terms
These Terms of Service ("Terms") govern your use of the Rekeel mobile application and web platform (collectively, the "Service"). By using the Service, you agree to be bound by these Terms. If you do not agree, do not use the Service.
What Rekeel Is
Rekeel helps homeowners and renters document household belongings, analyze insurance policies, and prepare for insurance claims through AI-powered tools.
What Rekeel Is NOT
Rekeel is not a licensed insurance agent, broker, carrier, law firm, public adjusting firm, or substitute for professional advice.
- AI-generated health scores are algorithmic estimates, not actuarial assessments
- Coverage gap analysis is informational only and may contain errors
- Review conversations do not constitute professional insurance, legal, or financial advice
- Always verify findings with a licensed insurance professional before making coverage decisions
Eligibility
You must be at least 18 years old, have legal capacity to enter contracts, and provide accurate registration information.
Account Registration
Create an account using Sign in with Apple, Google, or email. You are responsible for maintaining account security and all activities under your account.
Acceptable Use
You agree not to:
- Use the Service for unlawful or fraudulent purposes
- Upload policies you are not authorized to review
- Submit false or misleading insurance claims
- Reverse engineer, decompile, or disassemble the Service
- Use automated systems or bots to access the Service
- Upload content containing malware or harmful code
Your Data
You retain ownership of all content you upload (photos, documents, inventory data, policy documents). We use your content only to provide the Service. See our Privacy Policy for details.
AI-Powered Features
The Service uses artificial intelligence for item detection, policy analysis, coverage gap identification, and review conversations. AI-generated content may be inaccurate, incomplete, or misleading. You are solely responsible for verifying all AI-generated information before relying on it.
Subscriptions and Payments
Free users receive a policy summary with coverage details and a limited number of AI follow-up questions, plus basic inventory storage. Rekeel Beta (unlimited AI investigation, full inventory with video walkthroughs and CSV export) is available as a monthly auto-renewable subscription.
At-cost pricing. The monthly subscription is set at the average per-subscriber cost we incur to run the AI that cross-checks your policy against state insurance law. We do not mark it up. If you find the service valuable, you may optionally leave a one-time tip of any amount (subject to a minimum and a maximum) on the Settings page. Tips are voluntary, do not affect your subscription status, and are non-refundable except as required by law.
- Web: Billed through Stripe. Manage or cancel through Settings.
- Subscriptions auto-renew unless cancelled at least 24 hours before the end of the current billing period.
- No refunds for partial billing periods, except as required by law.
Limitation of Liability
The Service is provided "as is" and "as available" without warranties of any kind. We are not liable for: indirect, incidental, or consequential damages; errors in AI-generated content; insurance claim denials; or losses from reliance on the Service. Our total liability shall not exceed $100 or the amount you paid us in the past 12 months, whichever is greater.
Account Termination
You may delete your account at any time through Settings. We may suspend or terminate your account for violation of these Terms, fraudulent activity, or abuse of the Service.
Governing Law
These Terms are governed by the laws of the State of California. Disputes will be resolved through binding arbitration (JAMS rules) in California. You may opt out of arbitration within 30 days by emailing legal@rekeel.ai.
Changes to These Terms
We may update these Terms from time to time. Continued use after changes constitutes acceptance. We will notify you of material changes via email or in-app notification.
Contact Us
For questions about these Terms: support@rekeel.ai