Hillcover Terms of Service

These Terms of Service (“Terms”) govern access to and use of Hillcover, a claims collaboration platform operated by Macveen Group (“Macveen Group,” “Hillcover,” “we,” “us,” or “our”).

By creating an account, creating or joining an organization, or otherwise using Hillcover, you agree to these Terms. If you use Hillcover on behalf of an organization, you represent that you are authorized to use the service on that organization's behalf.

If you do not agree to these Terms, you must not use Hillcover.

1. Hillcover

Hillcover provides software designed to support collaboration and workflow management among organizations and professionals involved in insurance claims and related activities.

Depending on the services and features available to an organization, Hillcover may facilitate activities such as:

• claim creation and management;

• assignment of claims and assessments;

• organization-to-organization collaboration;

• assessment scheduling and management;

• evidence and document management;

• estimates;

• assessment reports;

• report review and approval workflows;

• claim-related communications and notifications;

• role and permission management;

• workflow tracking and audit history; and

• subscription and account administration.

Hillcover provides technology for managing these processes. Unless expressly agreed otherwise, Hillcover is not an insurer, insurance broker, insurance agent, loss assessor, claims adjuster, repairer, legal adviser, or financial adviser.

Hillcover does not itself determine whether an insurance claim should be accepted or rejected, how much an insurer should pay, or what professional conclusion an assessor or other authorized professional should reach.

Those decisions remain the responsibility of the organizations and professionals authorized to make them.

2. Eligibility and Business Use

Hillcover is intended primarily for businesses, organizations, and professionals participating in insurance, assessment, claims, and related workflows.

You must have legal capacity to enter into these Terms.

If you use Hillcover for an organization, you must have appropriate authority or permission to access the organization's workspace and perform the actions available to you.

Hillcover accounts intended for professional or organizational use must not be created or used by children.

3. Accounts

You must provide accurate and reasonably current information when creating and maintaining a Hillcover account.

You are responsible for:

• maintaining the confidentiality of your login credentials;

• protecting access to your account;

• using appropriate authentication and security measures;

• ensuring information associated with your account remains accurate; and

• promptly notifying Hillcover if you believe your account has been compromised.

Accounts are personal to the individual user unless Hillcover expressly provides otherwise.

Users must not share individual account credentials with another person.

Actions performed through an authenticated account may be attributed to that account for security, workflow, and audit purposes.

4. Organizations

Hillcover allows users to create or participate in organizational workspaces.

Organizations may include, depending on the available Hillcover functionality, insurers, assessment companies, insurance agencies, brokers, individual professionals, and other authorized organizations.

The organization is responsible for:

• maintaining accurate organization information;

• determining which users should have access;

• assigning appropriate roles and permissions;

• managing staff membership;

• managing authorization relationships with other organizations;

• ensuring its users use Hillcover lawfully; and

• determining who is authorized to perform actions on its behalf.

A user's ability to access information or perform actions may depend on organization membership, assignment, authorization, role, and permissions.

5. Roles, Permissions and Authorized Actions

Hillcover uses role-based and permission-based access controls.

Organizations are responsible for assigning appropriate permissions to their users.

Users must not attempt to access claims, organizations, documents, reports, or other information that they are not authorized to access.

Actions such as assigning claims, submitting assessments, reviewing reports, approving work, managing organization settings, or managing billing may be limited to authorized users.

Hillcover may enforce access restrictions technically, but organizations remain responsible for properly managing their users and permissions.

6. Organization Relationships and Collaboration

Hillcover may allow organizations to establish authorized relationships and collaborate on claims or related work.

An authorization or relationship within Hillcover may permit certain information and workflow actions to be shared between participating organizations.

Organizations are responsible for determining whether they are legally and commercially authorized to establish those relationships and share the relevant information.

Hillcover's technical authorization between organizations does not itself create an insurance contract, agency agreement, assessment contract, employment relationship, partnership, or other legal relationship between those organizations.

Any underlying commercial or professional relationship remains between the participating organizations.

7. Claims and Customer Content

Organizations and users may submit information to Hillcover, including:

• claim information;

• policyholder or claimant information;

• vehicle or other asset information;

• incident and loss information;

• estimates;

• photographs;

• documents;

• assessment information;

• evidence;

• reports;

• comments;

• communications; and

• other materials related to their work.

Collectively, this is “Customer Content.”

You and the relevant organization retain the rights you have in Customer Content.

You grant Hillcover the rights necessary to host, store, process, transmit, display, reproduce, and otherwise handle Customer Content solely as reasonably necessary to provide, secure, maintain, and improve the service and comply with applicable law.

You are responsible for ensuring that you have the necessary rights, authority, permissions, and lawful basis to submit Customer Content to Hillcover.

8. Accuracy and Professional Responsibility

Hillcover provides tools for managing information and workflows but does not guarantee that information entered by users is accurate, complete, or professionally correct.

Organizations and authorized professionals remain responsible for reviewing information before relying on it or submitting it to another party.

Assessors, reviewers, claims professionals, insurers, and other users remain responsible for their own professional judgments, reports, estimates, recommendations, approvals, and decisions.

The existence of workflow statuses such as submitted, reviewed, approved, accepted, or completed within Hillcover does not constitute a representation by Macveen Group that the underlying information is legally, technically, or professionally correct.

9. Automated and AI-Assisted Features

Hillcover may provide automated or artificial-intelligence-assisted features from time to time.

Such features may assist users with tasks such as drafting, summarizing, organizing, reviewing, or analyzing information.

AI-generated or automated output may be inaccurate, incomplete, or inappropriate for a particular claim or circumstance.

Users remain responsible for reviewing and verifying such output before relying on it, submitting it, approving it, or using it to make professional, financial, legal, insurance, or claims decisions.

AI-assisted functionality does not replace professional judgment.

Where appropriate, Hillcover may identify functionality as AI-assisted.

10. Subscriptions and Plans

Some Hillcover functionality requires a paid subscription.

Available plans, prices, billing intervals, features, and usage limits are displayed through Hillcover or otherwise communicated before purchase.

Subscriptions may be offered on monthly, annual, trial, or other billing terms.

Features and limits may vary between plans.

The organization is responsible for selecting an appropriate plan and maintaining a valid payment method where payment is required.

11. Trials

Hillcover may offer free trials.

The duration and conditions of a trial will be displayed when the trial is offered.

Unless otherwise stated, trial access ends when the trial period expires if the organization has not successfully transitioned to a paid subscription.

A failed trial conversion does not create a payment grace period.

Hillcover may limit trial eligibility to prevent abuse, repeated trial creation, or circumvention of subscription requirements.

12. Automatic Renewal

Paid subscriptions automatically renew at the applicable billing interval unless cancelled in accordance with the subscription terms presented to the organization.

By purchasing a recurring subscription, the organization authorizes Hillcover and its payment provider to charge the applicable subscription fees and permitted taxes to the organization's selected payment method at each renewal.

The applicable renewal price and billing interval are displayed through the organization's billing information.

13. Failed Payments and Grace Period

If payment for an existing paid subscription fails, Hillcover may place the subscription in a past-due status.

Hillcover currently provides eligible paid subscriptions with a 7-day payment grace period following a failed renewal payment.

During this period, Hillcover may notify authorized billing users and attempt payment recovery through its payment provider.

The grace period applies to failed renewals of existing paid subscriptions and does not apply to failed trial conversions.

If payment remains unresolved after the grace period, Hillcover may restrict access to paid functionality while preserving access reasonably necessary to manage the account and resolve billing.

Hillcover does not delete organization data merely because a subscription enters a restricted billing state.

Successful payment recovery may restore subscription access according to the applicable plan.

14. Plan Changes

Organizations may be able to upgrade or downgrade their subscription or change billing intervals through Hillcover.

Unless otherwise displayed before confirmation:

• upgrades may take effect immediately;

• immediate changes may result in prorated charges or credits;

• downgrades may take effect at the next renewal date;

• a change from monthly to annual billing may take effect immediately;

• a change from annual to monthly billing may be scheduled for the end of the prepaid annual term.

Hillcover will display the applicable price, effective date, and available billing information before requiring confirmation of a price-changing plan action.

Where proration applies, amounts may be calculated by Hillcover's payment provider.

Scheduled plan changes may be cancelled or replaced where Hillcover provides that functionality and the change has not yet taken effect.

15. Billing, Invoices and Payment Processing

Hillcover may use third-party payment providers to process subscription payments.

Payment providers may collect and process payment-card and billing information directly.

Hillcover may display invoices, receipts, payment history, subscription status, and related billing information supplied by its payment provider.

Organizations are responsible for applicable fees, charges, and taxes associated with their subscriptions except where applicable law requires otherwise.

Billing records may be retained for accounting, tax, fraud prevention, dispute resolution, and legal compliance.

16. Cancellation

Authorized organization users may cancel a subscription using available billing controls.

Unless otherwise stated during cancellation, cancellation generally prevents future renewal and does not immediately terminate access for a subscription period that has already been paid.

Access may continue until the end of the applicable paid billing period.

Amounts already paid are not automatically refundable merely because an organization cancels before the end of its billing period, except where required by applicable law or expressly provided by Hillcover.

17. Acceptable Use

You must not use Hillcover to:

• violate applicable law;

• access information without authorization;

• interfere with the operation or security of the service;

• bypass access controls or permissions;

• impersonate another person or organization;

• submit malicious code or harmful content;

• probe or test systems without authorization;

• use automated methods to overload or disrupt the service;

• knowingly submit fraudulent claims or falsified evidence;

• misuse personal or confidential information;

• attempt to obtain another user's credentials; or

• use Hillcover to facilitate unlawful, fraudulent, or abusive activity.

Hillcover may investigate suspected misuse and take reasonable action to protect users, organizations, the platform, and third parties.

18. Confidentiality

Users may receive access to confidential or sensitive information belonging to organizations or other participants in a claim workflow.

Users and organizations are responsible for handling such information appropriately and only for authorized purposes.

Access to information through Hillcover does not grant ownership of that information or permission to use it outside the purposes for which access was provided.

19. Privacy

Our processing of personal information is described in the Hillcover Privacy Policy.

Organizations using Hillcover to process personal information are responsible for complying with privacy and data-protection obligations applicable to their activities.

Where Hillcover processes Customer Content on behalf of an organization, additional data-processing terms may apply.

20. Security

Hillcover uses reasonable administrative, technical, and organizational safeguards designed to protect the service and information processed through it.

No system can be guaranteed to be completely secure.

Users and organizations are responsible for protecting their credentials, devices, integrations, and access permissions.

Users should promptly notify Hillcover if they become aware of suspected unauthorized access or a security incident affecting their Hillcover account.

21. Service Availability and Changes

We work to keep Hillcover available and reliable, but uninterrupted or error-free operation cannot be guaranteed.

The service may occasionally be unavailable because of maintenance, updates, technical failures, third-party service interruptions, security incidents, or circumstances outside our reasonable control.

We may modify, improve, add, or discontinue features as Hillcover develops.

Where a change materially affects a paid subscription, we will provide notice where reasonably appropriate or required by law.

22. Third-Party Services

Hillcover relies on third-party services for certain functionality, which may include authentication, infrastructure, hosting, communications, storage, payments, and security.

Use of certain third-party services may also be subject to those providers' applicable terms or privacy practices.

Hillcover is not responsible for third-party services outside our reasonable control.

23. Suspension and Restriction

Hillcover may suspend, restrict, or terminate access where reasonably necessary because of:

• material violation of these Terms;

• fraudulent or unlawful activity;

• unauthorized access or security threats;

• abuse of the platform;

• unpaid subscription amounts following applicable billing procedures;

• legal or regulatory requirements; or

• conduct that materially threatens Hillcover, its users, or third parties.

Where reasonable and legally permitted, we may provide notice and an opportunity to resolve the issue.

24. Termination

You may stop using Hillcover at any time.

Organizations may cancel subscriptions according to the applicable billing terms.

Hillcover may terminate an account or service relationship where permitted by these Terms or applicable law.

Termination does not automatically eliminate obligations or records that must reasonably survive termination, including payment obligations, audit records, legal records, confidentiality obligations, and provisions intended by their nature to survive.

25. Data Following Termination

Following termination or expiration, access to Customer Content may become limited.

Organizations are responsible for exporting information they are entitled to retain before access ends where export functionality is available.

Hillcover may retain or delete information according to the Privacy Policy, applicable agreements, legal obligations, security requirements, backup practices, and legitimate dispute-resolution needs.

Where Hillcover acts as a processor or service provider, handling of organization-controlled information may also be governed by applicable data-processing agreements and lawful organization instructions.

26. Intellectual Property

Hillcover, including its software, design, branding, interfaces, documentation, workflows, and related technology, is owned by or licensed to Macveen Group and is protected by applicable intellectual-property laws.

Except for rights expressly granted under these Terms, no rights in Hillcover are transferred to users or organizations.

You may not copy, modify, distribute, sell, lease, reverse engineer, or attempt to derive source code from Hillcover except where such restriction is prohibited by applicable law.

27. Feedback

If you provide suggestions, ideas, or feedback regarding Hillcover, you permit us to use that feedback to develop and improve the service without an obligation to compensate you.

This does not transfer ownership of your Customer Content to Hillcover.

28. Disclaimers

Hillcover is provided on an “as available” basis to the extent permitted by applicable law.

Hillcover is a workflow and collaboration platform and does not guarantee:

• the outcome of an insurance claim;

• acceptance of a report or estimate;

• payment of a claim;

• accuracy of information supplied by users;

• accuracy of automated or AI-assisted output;

• performance of another organization or professional; or

• uninterrupted availability of the service.

To the extent permitted by applicable law, implied warranties that can lawfully be excluded are disclaimed.

Nothing in these Terms excludes warranties, rights, or remedies that cannot legally be excluded.

29. Limitation of Liability

To the maximum extent permitted by applicable law, Macveen Group will not be liable for indirect, incidental, special, consequential, exemplary, or punitive damages, or for loss of profits, revenue, business opportunities, goodwill, or data arising from or relating to use of Hillcover.

To the maximum extent permitted by applicable law, Macveen Group's aggregate liability arising out of or relating to the service will not exceed the amount paid by the relevant organization to Hillcover during the 12 months preceding the event giving rise to the claim.

These limitations do not apply where liability cannot lawfully be excluded or limited.

30. Indemnification

To the extent permitted by applicable law, an organization agrees to defend, indemnify, and hold harmless Macveen Group and its personnel from third-party claims, damages, liabilities, and reasonable costs arising from:

• Customer Content submitted by the organization;

• the organization's unlawful use of Hillcover;

• violation of these Terms by the organization or its authorized users;

• infringement of third-party rights by content supplied by the organization; or

• the organization's handling of claims or personal information in violation of applicable law.

This section does not require indemnification to the extent a claim results from Macveen Group's own conduct for which indemnification cannot lawfully be required.

31. Changes to These Terms

We may update these Terms to reflect changes to Hillcover, our business practices, or applicable law.

Each version will have an effective date and version identifier.

For material changes requiring renewed acceptance, Hillcover may require users to review and explicitly accept the updated Terms before continuing to use the service.

A new acceptance does not overwrite historical acceptance records.

Non-material changes may be communicated without requiring renewed acceptance where permitted by law.

32. Governing Law and Disputes

These Terms are governed by the laws applicable to the legal entity operating Hillcover and the jurisdiction specified by Macveen Group, without regard to conflict-of-law principles, except where mandatory law provides otherwise.

Any required venue, dispute-resolution procedure, or arbitration provision will apply only where expressly stated in the applicable Hillcover agreement or an updated version of these Terms.

33. Entire Agreement

These Terms, the Privacy Policy, applicable subscription terms, and any other agreement expressly entered into between Macveen Group and an organization constitute the applicable agreement regarding use of Hillcover.

If a separately executed agreement between Macveen Group and an organization conflicts with these Terms, the separately executed agreement will control to the extent of that conflict.

34. Contact

Questions regarding these Terms may be submitted through the Hillcover Contact page.

When contacting us regarding an account or organization, provide sufficient information for us to identify the relevant account and respond appropriately.