TERMS OF SERVICE

[This policy should be reviewed by an attorney before publishing]. All legal pages on this site use placeholder business details and require final review by a licensed attorney before the site goes live.

1. Acceptance of terms

By accessing or using this website you agree to these Terms of Service and to our Privacy Policy. If you do not agree, do not use the site. We may update these terms; the version posted here with the effective date above applies to your use.

2. Permitted and prohibited use

You may use this site to learn about our services and to contact us. You may not:

• Use the site for any unlawful, fraudulent, or misleading purpose.
• Submit false claim information or impersonate another person or property owner.
• Copy, scrape, republish, or resell site content without written permission.
• Attempt to breach, probe, or disrupt the site, its security, or its infrastructure.
• Send automated bulk submissions, spam, or malicious code through any form.

3. Intellectual property

The Viking Public Adjusters name, logo, page copy, layout, graphics, and case summaries are owned by Viking Public Adjusters or used with permission, and are protected by copyright and trademark law. You receive no license other than to view the site for personal, non-commercial purposes.

4. No legal advice; no guarantee of outcome

Public adjusters are licensed insurance claim professionals, not attorneys. Nothing on this site is legal advice or an attorney-client relationship. Case examples, figures, and testimonials on this site are illustrative placeholders and do not guarantee or predict any particular result. Every claim depends on its own policy language, facts, and damage.

5. No representation until a signed agreement

Submitting a form or calling us does not create a representation relationship. We represent you only after both parties sign a written public adjuster contract that complies with state law.

6. Fees, payment, and cancellation

We work on a contingency fee: [FEE PERCENTAGE]% of the amounts recovered on the claim, stated in your signed agreement. There is no upfront charge and no fee if there is no recovery. Cancellation rights and refund terms are described on our Refund & Cancellation Policy page. We do not sell subscriptions or recurring billing products through this website.

7. Third-party links

The site may link to third-party websites. We do not control and are not responsible for their content, security, or privacy practices.

8. Disclaimer of warranties

This website is provided on an “as is” and “as available” basis. To the fullest extent permitted by law, we disclaim all warranties, express or implied, including merchantability, fitness for a particular purpose, non-infringement, accuracy, and uninterrupted or error-free operation.

9. Limitation of liability

To the fullest extent permitted by law, Viking Public Adjusters and its owners, employees, and contractors will not be liable for any indirect, incidental, consequential, special, or punitive damages arising from your use of this website. Our total liability relating to the website will not exceed [LIABILITY CAP, e.g. $100]. Some jurisdictions do not allow these limits, in which case they apply to the maximum extent permitted.

10. Indemnification

You agree to indemnify and hold Viking Public Adjusters harmless from claims arising out of your misuse of the site or your violation of these terms.

11. Termination

We may suspend or terminate your access to this site at any time, without notice, for any reason, including suspected misuse. Sections that by their nature survive termination (intellectual property, disclaimers, liability limits, governing law) continue to apply.

12. Governing law and venue

These terms are governed by the laws of the State of Indiana, without regard to its conflict of law rules. Any dispute will be brought in the state or federal courts located in [COUNTY], Indiana, and you consent to that venue.

13. Contact

Viking Public Adjusters · [BUSINESS ADDRESS] · [PHONE] · [EMAIL] · Contact form