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Usage Restrictions

This site is owned and operated by UCLAIM, Inc. ("UCLAIM") and contains material which is derived in whole or in part from material supplied by UCLAIM and other sources, and is protected by international copyright and trademark laws.

Except for making one hard copy print of limited portions of the UCLAIM Information on an ad hoc basis for private use, or downloading as may be expressly authorized by UCLAIM, the UCLAIM Information (including products and reports purchased) may not be reproduced, licensed, copied, displayed, published, sold, modified, transmitted or distributed without UCLAIM's express permission. You may download material from this site for your use only, provided you keep intact all copyright and other proprietary notices.

For example, no company, organization or individual may copy the products purchased from UCLAIM and distribute additional copies to any one person or group of persons or entities, including employees or members of an organization or any group of people or entities. In addition, an individual copy may not be resold. However copies may be provided to immediate family members or a business owner's key employees and their legal representatives who are involved in the settling of the purchaser's insurance claim.

An individual or entity without an insurance claim (for example attorneys, insurers, adjusters, contractors, restorators and body shops, etc) may purchase UCLAIM products for their personal and professional use only. However the same restrictions on distribution listed above will apply.

Multiple copies or republication of UCLAIM information and products may be available from UCLAIM at discounted prices.


UCLAIM takes reasonable measures to ensure the quality of the data and the other information made available on this web site. However, UCLAIM does not guarantee, and assumes no responsibility for, the accuracy, timeliness, correctness, or completeness of information available through this web site. Any conclusions that users draw from the information presented here are their own and are not to be attributed to UCLAIM.The views expressed in UCLAIM's working papers are strictly those of the authors. They do not necessarily represent the position of UCLAIM. UCLAIM has provided links and pointers to Internet sites maintained by third parties. We provide these relevant links to information outside of UCLAIM's web site as an additional resource for our users. However, UCLAIM does not endorse any views expressed or products or services offered by organizations that are hyperlinked from our web site.

Neither UCLAIM, nor its parent or subsidiary companies nor their affiliates operate or control in any respect any information, products or services on these third-party sites. The materials in this site and the third-party sites are provided "as is" and without warranties of any kind either express or implied. To the fullest extent permissible pursuant to applicable law, UCLAIM disclaims all warranties, either express, or implied, including, but not limited to, implied warranties of merchantability and fitness for a particular purpose. UCLAIM does not warrant that the functions contained in the materials will be uninterrupted or error-free, that defects will be corrected, or that this site, including bulletin boards, or the server that makes it available, are free of viruses or other harmful components. UCLAIM does not warrant or make any representations regarding the use or the results of the use of the materials in this site or in third-party sites in terms of their correctness, accuracy, timeliness, reliability or otherwise. You (and not UCLAIM) assume the entire cost of all necessary maintenance, repair or correction.

The UCLAIM information is provided to you "as is" without any representation or warranty of any kind either express or implied, including but not limited to, the implied warranties of merchantability, fitness for particular purpose, title, non-infringement, security accuracy or otherwise. These materials may contain errors of publication or transmission.

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Limitation of Liability

Under no circumstances, including, but not limited to, negligence, shall UCLAIM, its subsidiary and parent companies or affiliates be liable for any direct, indirect, incidental, special or consequential damages that result from the use of, or the inability to use, UCLAIM materials. You specifically acknowledge and agree that UCLAIM is not liable for any defamatory, offensive or illegal conduct of any user. If you are dissatisfied with any UCLAIM material, or with any of UCLAIM's terms and conditions, your sole and exclusive remedy is to discontinue using UCLAIM's web site.

License to UCLAIM

By posting messages, uploading files, inputting data, or engaging in any other form of communication through this service, you are granting UCLAIM a royalty-free, perpetual, non-exclusive, unrestricted, worldwide license to: Use, copy, sublicense, adapt, transmit, publicly perform or display any such communication. Sublicense to third parties the unrestricted right to exercise any of the foregoing rights granted with respect to the communication. The foregoing grants shall include the right to exploit any proprietary rights in such communication, including but not limited to rights under copyright, trademark, servicemark or patent laws under any relevant jurisdiction.


This agreement is effective until terminated by UCLAIM, at any time without notice. In the event of termination, you are no longer authorized to access the bulletin boards and the restrictions imposed on you with respect to material downloaded from the bulletin boards, the disclaimers and limitations of liabilities set forth in this agreement, shall survive.


Because your privacy is important to us, UCLAIM operates by these principles: The UCLAIM web site ("Site") is maintained by Digital Attic, Fresno, CA. We explicitly ask when we need information that personally identifies you ("Personal Information"). For example, UCLAIM asks you for your name, e-mail address, your claim number, date of loss and insurer who your claim is against to qualify you to post comments and ratings. However, your personal claim identification information (claim/policy number, date of loss and insurer) will remain confidential at UCLAIM unless you also post that information in the comments and ratings text sections for public viewing. We also may request that you provide Personal Information to order our products and services. We use your Personal Information to operate UCLAIM, and we may occasionally inform you of new features, services, and products from UCLAIM. We may place a text file called a "cookie" in the browser files of your computer. The cookie itself does not contain Personal Information although it will enable the Site to relate your use of the Site to information that you have specifically and knowingly provided to the Site.

If at any time you believe a Site has not adhered to these principles, please notify us by email and we will use all commercially reasonable efforts to promptly determine and correct the problem.

If you have questions about this policy, please e-mail us. You may also contact us at UCLAIM, Inc., P.O. Box 44329, Lemon Cove, CA 93244 or telephone us at 559-597-2474.

This agreement shall be governed by and construed in accordance with the laws of the State of California without giving effect to any principles or conflicts of law. If any provision of this agreement shall be unlawful, void or for any reason unenforceable, then that provision shall be deemed severable from this agreement and shall not affect the validity and enforceability of any remaining provisions.

Using the UCLAIM Logo

UCLAIM does not permit the use of its name in advertising, as an endorsement for any product or service, or for any other commercial purpose. Reproduction of any information contained herein may be made without limitation as to number provided that it is not distributed for the purpose of private gain and is appropriately credited to UCLAIM or its respective publications. Graphics, logos and content created by UCLAIM are the property of UCLAIM and may not be used without permission.
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