Terms of Use

These Terms of Use (or “Terms”) govern your use of ValueChecker.ai, ValueChecker.net and other products (the “ValueChecker products” collectively, and “Service” individually) and features offered by International Consumer Services Sweden AB, 556680-3572 (ICSS AB), except where we expressly state that separate terms other than these apply, and provide information about the ValueChecker Service (“ValueChecker”), outlined below.

When you create a ValueChecker account or use ValueChecker products, you agree to these terms.

The Service is one of the ValueChecker products, provided by International Consumer Services Sweden AB, 556680-3572 (ICSS AB). These Terms of Use therefore constitute an agreement between you and International Consumer Services Sweden AB, 556680-3572 (ICSS AB).

1. Usage

We agree to provide you with the Service. The Service includes all of the ValueChecker products, features, applications, services, technologies, and software that we provide to advance ValueChecker’s functionality.

1.1. Purpose ValueChecker Website and Apps

The purpose of ValueChecker, both used via the ValueChecker website or the App is to collect, process and analyze data from users of the Service to scope, evaluate and settle insurance claims. The data collected by the Website or App may include, but is not limited to, the following:

1.1.1. Personal information, such as your name, address, phone number, and email address

1.1.2. Information about your insurance policy, such as your policy number and coverage type

1.1.3. Information about your claim, such as the date, time, and location of the incident, as well as the details of the damage, including product and purchase data.

1.2. Other uses of data and information collected by ValueChecker

1.2.1. Developing and using technologies that help us consistently deliver and improve our service.

Organizing and analyzing information is central to our Service. A big part of our Service is creating and using cutting-edge technologies that help us develop, protect, and improve our Service on a global scale. Technologies like artificial intelligence and machine learning give us the power to apply complex processes across our Service. Automated technologies also help us ensure the functionality and integrity of our Service. We use the information we collect to develop, test, and improve our Service and collaborate with others on research to make our Service better. This includes analyzing the information we have about our users and understanding how people use our Services, for example by conducting surveys and testing and troubleshooting new features.
For more information about how we use your information to provide, develop and improve ValueChecker Products, please review our Privacy Policy. Learn more in the Privacy Policy.

1.2.2. Providing consistent and seamless experiences across other ValueChecker products, outside of our contract with you.

ValueChecker shares technology, systems, insights, and information-including the information we have about you (learn more in the Privacy Policy) in order to provide services that are better, safer, and more secure. We also provide ways to interact across the ValueChecker products that you use, and design systems to achieve a seamless and consistent experience across the ValueChecker products.

1.2.3. Communicating with you.

We may need to send you communications, like emails or in-product notices, to respond to you or inform you about any product-related issues, research, or our terms and policies. For more information, please review our Privacy Policy.

1.2.4. Ensuring access to our Service.

To operate our global Service, we must store and transfer data across our systems around the world, including outside of your country of residence. The use of this global infrastructure is necessary and essential to provide our Service. This infrastructure may be owned or operated by ValueChecker or affiliates. For more information about how we transfer, store or process your information, please review our Privacy Policy.

2. The Privacy Policy

Providing our Service requires collecting and using your information. The Privacy Policy explains how we collect, use, and share information across the ValueChecker Products. It also explains how you can control your information.

3. Limited Right to Use

This web site and Service is owned and operated by ValueChecker. Unless otherwise specified, all Materials on this web site are the property of ValueChecker and are protected by the copyright and other laws of Sweden and, throughout the world by the applicable laws. You may view, print and/or download one copy of the materials from this web site on any single computer or other device solely for your personal, informational, non-commercial use, as long as you keep intact all copyright and other proprietary notices; provided, however, that certain Materials may only be downloaded via a business/corporate email address and we reserve the right to refuse access to certain Materials in our sole discretion. No Materials published on this web site, in whole or in part, may be copied, reproduced, modified, republished, uploaded, posted, transmitted, or distributed in any form or by any means without prior written permission from ValueChecker. The use of any such Materials on any other web site or networked computer environment or for any other purpose is strictly prohibited and such unauthorized use may violate copyright, trademark and other similar laws. You also agree not to interfere with or disrupt our website, services, computer systems, servers or networks, or violate the regulations or policies of our networks, transmit any content containing viruses, trojan horses, worms, time bombs, cancelbots, or any other harmful programs, attempt to gain unauthorized access to our site or services, others’ accounts, or computer systems or networks connected to our site, provide false information, impersonate any person, otherwise attempt to mislead others about your identity or the origin of a message or other communication, transmit junk mail, spam, chain letters, or other unsolicited bulk e-mail or duplicative messages, or interfere with anyone’s use or enjoyment of our web site.

4. Your Commitments

To be able to provide the Service, we require you to make the below commitments to us.

4.3. Who Can Use ValueChecker.

We want our Service to be as open and inclusive as possible, but we also want it to be safe, secure, and in accordance with the law. So, we need you to commit to a few restrictions in order to be part of the ValueChecker community.

4.3.5. You must be at least 13 years old.

4.3.6. You must not be prohibited from receiving any aspect of our Service under applicable laws or engaging in payments related Services if you are on an applicable denied party listing.

4.3.7. We must not have previously disabled your account for violation of law or any of our policies.

4.4. How You Can’t Use ValueChecker.

4.4.1. You can’t impersonate others or provide inaccurate information.

You must provide us with accurate and up to date information (including registration information), which may include providing personal data. Also, you may not impersonate someone or something you aren’t, and you can’t create an account for someone else unless you have their express permission.

4.4.2. You can’t do anything unlawful, misleading, or fraudulent or for an illegal or unauthorized purpose.

4.4.3. You can’t violate (or help or encourage others to violate) these Terms or our policies.

4.4.4. You can’t do anything to interfere with or impair the intended operation of the Service.
This includes misusing any reporting, dispute, or appeals channel, such as by making fraudulent or groundless reports or appeals.

4.4.5. You can’t attempt to create accounts or access or collect information in unauthorized ways.
This includes creating accounts or collecting information in an automated way without our express permission. 

4.4.6. You can’t sell, license, or purchase any account or data obtained from us or our Service.
This includes attempts to buy, sell, or transfer any aspect of your account (including your username); solicit, collect, or use login credentials or badges of other users; or request or collect ValueChecker usernames, passwords, or misappropriate access tokens.

4.4.7. You can’t post someone else’s private or confidential information without permission or do anything that violates someone else’s rights, including intellectual property rights (e.g., copyright infringement, trademark infringement, counterfeit, or pirated goods).

4.4.8. You can’t modify, translate, create derivative works of, or reverse engineer our products or their components.

4.5. Permissions You Give to Us. 

As part of our agreement, you also give us permissions that we need to provide the Service.

4.5.1. We do not claim ownership of your content, but you grant us a license to use it.
Nothing is changing about your rights in your content. We do not claim ownership of your content that you upload to the Service and you are free to share your content with anyone else, wherever you want. However, we need certain legal permissions from you (known as a “license”) to provide the Service. When you upload content that is covered by intellectual property rights (like photos or videos) to our Service, you hereby grant to us a non-exclusive, royalty-free, transferable, sub-licensable, worldwide license to host, use, distribute, modify, run, copy, publicly perform or display, translate, and create derivative works of your content (consistent with your privacy and application settings).

ValueChecker will never sell or distribute Personal Data outside of contractual agreements to fulfill the service. To learn more about how we use information, and how to control or delete your content, review the Privacy Policy.

4.5.2. You agree that we can download and install updates to the Service on your device.

5. Additional Rights We Retain

5.1. If you select a username or similar identifier for your account, we may change it if we believe it is appropriate or necessary (for example, if it infringes someone’s intellectual property or impersonates another user).

5.2. You must obtain written permission from us or under an open source license to modify, create derivative works of, decompile, or otherwise attempt to extract source code from us.

6. Content Removal and Disabling or Terminating Your Account

6.1. We can remove or restrict any content or information you share on the Service if we believe that it violates these Terms of Use, our policies, or we are required to do so by law. We can refuse to provide or stop providing all or part of the Service to you (including terminating or disabling your access to the Service) immediately, or if you create risk or legal exposure for us, violate these Terms of Use or our policies , if you repeatedly infringe other people’s intellectual property rights, or where we are required to do so by law. We can also terminate or change the Service, remove or block content or information shared on our Service, or stop providing all or part of the Service if we determine that doing so is reasonably necessary to avoid or mitigate adverse legal or regulatory impacts on us. In some cases when we remove content, we’ll let you know and explain any options you have to request another review, unless you seriously or repeatedly violate these Terms or if doing so may expose us or others to legal liability; harm the Service; compromise or interfere with the integrity or operation of any of our services, systems, or products; where we are restricted due to technical limitations; or where we are prohibited from doing so for legal reasons. If you believe your account has been terminated in error, or you want to disable or permanently delete your account, please contact support@ValueChecker.ai. When you request to delete content or your account, the deletion process will automatically begin no more than 30 days after your request. It may take up to 90 days to delete content after the deletion process begins. While the deletion process for such content is being undertaken, the content remains subject to these Terms of Use and our Privacy Policy. After the content is deleted, it may take us up to another 90 days to remove it from backups and disaster recovery systems.

6.2. Content will not be deleted within 90 days of the account deletion or content deletion process beginning in the following situations:

6.2.1. where your content has been used by others in accordance with this license and they have not deleted it (in which case this license will continue to apply until that content is deleted); or

6.2.2. where deletion within 90 days is not possible due to technical limitations of our systems, in which case, we will complete the deletion as soon as technically feasible; or

6.2.3. where deletion would restrict our ability to:

6.2.3.1. investigate or identify illegal activity or violations of our terms and policies (for example, to identify or investigate misuse of our products or systems);

6.2.3.2. protect the safety and security of our products, systems, and users;

6.2.3.3. comply with a legal obligation, such as the preservation of evidence; or

6.2.3.4. comply with a request of a judicial or administrative authority, law enforcement or a government agency;

in which case, the content will be retained for no longer than is necessary for the purposes for which it has been retained (the exact duration will vary on a case-by-case basis).

6.3. If you delete or we disable your account, these Terms shall terminate as an agreement between you and us, but this section and the section below called “Our Agreement and What Happens if We Disagree” will still apply even after your account is terminated, disabled, or deleted.

7. Our Agreement and What Happens if We Disagree

7.1. Our Agreement.

7.1.1. If any aspect of this agreement is unenforceable, the rest will remain in effect.

7.1.2. Any amendment or waiver to our agreement must be in writing and signed by us. If we fail to enforce any aspect of this agreement, it will not be a waiver.

7.1.3. We reserve all rights not expressly granted to you.

7.2. Who Has Rights Under this Agreement.

7.2.1. This agreement does not give rights to any third parties.

7.2.2. You cannot transfer your rights or obligations under this agreement without our consent.

7.2.3. Our rights and obligations can be assigned to others. For example, this could occur if our ownership changes (as in a merger, acquisition, or sale of assets) or by law.

7.3. Who Is Responsible if Something Happens.

7.3.1. We will use reasonable skill and care in providing our Service to you and in keeping a safe, secure, and error-free environment, but we cannot guarantee that our Service will always function without disruptions, delays, or imperfections. Provided we have acted with reasonable skill and care, we do not accept responsibility for: losses not caused by our breach of these Terms or otherwise by our acts; losses which are not reasonably foreseeable by you and us at the time of entering into these Terms; any offensive, inappropriate, obscene, unlawful, or otherwise objectionable content posted by others that you may encounter on our Service; and events beyond our reasonable control.

7.3.2. The above does not exclude or limit our liability for death, personal injury, or fraudulent misrepresentation caused by our negligence. It also does not exclude or limit our liability for any other things where the law does not permit us to do so.

8. How We Will Handle Disputes.

If a claim or dispute arises out of or relates to your use of the Service as a consumer, both you and us agree that you may resolve your individual claim or dispute against us, and we may resolve our claim or dispute against you, in any competent court in the country of your main residence that has jurisdiction over your claim or dispute, and the laws of that country will apply without regard to conflict of law provisions.

If a claim or dispute arises between us that relates to use of the Service in any other capacity, including, but not limited to, access or use of the Service for a business or commercial purpose, you agree that any such claim or dispute must be resolved in a competent court in Sweden and that Swedish law will apply without regard to conflict of law provisions.

8.4. Unsolicited Material.

We always appreciate feedback or other suggestions, but may use them without any restrictions or obligation to compensate you for them, and are under no obligation to keep them confidential.

9. Updating These Terms

We may change our Service and policies, and we may need to make changes to these Terms so that they accurately reflect our Service and policies. Unless otherwise required by law, we will notify you (for example, through our Service) at least 30 days before we make changes to these Terms and give you an opportunity to review them before they go into effect. Then, if you continue to use the Service, you will be bound by the updated Terms. If you do not want to agree to these or any updated Terms, you can delete your account, here.