Terms of Use

You must be at least 18 years old to use the Services. By using the Services, you represent and warrant that you are of legal age to form a binding contract and are not prohibited from using the Services under the laws of your jurisdiction.

AI Accident Help is an AI-powered mobile application that helps users report accidents and injuries, document incidents, and receive preliminary informational guidance through a conversational AI assistant. The Services may connect users with licensed attorneys in their jurisdiction when requested.

The Services do not provide legal advice.

AI-generated responses and any other content provided through the Services are for general informational purposes only and do not constitute legal advice. Use of the Services does not create an attorney-client relationship between you and us. AI responses may contain errors or inaccuracies and should not be relied upon as a substitute for consultation with a qualified, licensed attorney in your jurisdiction.

If an attorney contacts you as a result of a legal form submission or referral, any attorney-client relationship is formed solely between you and that attorney, not with us.

To access certain features, you must create an account. You agree to provide accurate, current, and complete information and to keep it updated. You are responsible for maintaining the confidentiality of your credentials and for all activity under your account. Notify us immediately of any unauthorized use at luminoepremium@gmail.com.

You agree not to:

• Provide false, misleading, or fraudulent information through the Services.
• Use the Services for any unlawful purpose or in violation of any applicable law.
• Impersonate any person or entity or misrepresent your affiliation.
• Upload viruses, malware, or any harmful code.
• Attempt to gain unauthorized access to the Services, other users’ accounts, or our systems.
• Reverse engineer, decompile, or disassemble any portion of the Services.
• Use the Services to harass, threaten, or harm others.
• Scrape, data-mine, or extract data from the Services without our written permission.
• Use the Services to solicit legal clients, spam, or advertise without authorization.

You retain ownership of the content you submit to the Services (incident descriptions, photos, audio, chat messages, etc.). By submitting content, you grant us a worldwide, non-exclusive, royalty-free license to use, store, reproduce, and process that content solely for the purpose of providing and improving the Services.

You represent and warrant that you have all necessary rights to submit the content and that it does not infringe any third-party rights or violate any law.

The Services, including all software, text, graphics, logos, and AI-generated output, are owned by us or our licensors and are protected by copyright, trademark, and other intellectual property laws. We grant you a limited, non-exclusive, non-transferable, revocable license to use the Services for personal, non-commercial purposes in accordance with these Terms.

Our collection and use of your personal information is described in our Privacy Policy, which is incorporated into these Terms by reference.

The Services integrate with third-party providers, including authentication services (such as Google Sign-In), AI model providers, cloud hosting, and email services. Your use of those third-party services may be subject to their own terms and privacy policies. We are not responsible for the content, policies, or practices of third-party services.

The core Services are currently offered free of charge. We reserve the right to introduce paid features or subscriptions in the future with reasonable notice.

The Services are provided “as is” and “as available” without warranties of any kind, express or implied.

To the fullest extent permitted by law, we disclaim all warranties, including but not limited to warranties of merchantability, fitness for a particular purpose, non-infringement, and any warranties regarding the accuracy, completeness, or reliability of any AI-generated content. We do not guarantee that the Services will be uninterrupted, secure, or error-free.

To the fullest extent permitted by law, we shall not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages arising from or related to your use of the Services.

Our total aggregate liability for any claims arising from or related to the Services shall not exceed the greater of (a) the amount you paid us in the twelve months preceding the claim, or (b) one hundred U.S. dollars (USD $100).

Some jurisdictions do not allow the exclusion or limitation of certain damages, so some of the above limitations may not apply to you.

You agree to indemnify, defend, and hold harmless us and our officers, directors, employees, and agents from any claims, damages, losses, liabilities, and expenses (including reasonable attorneys’ fees) arising from (a) your use of the Services, (b) your violation of these Terms, (c) your violation of any rights of another person or entity, or (d) any content you submit through the Services.

We may suspend or terminate your access to the Services at any time, with or without cause, and with or without notice, including if we reasonably believe you have violated these Terms. You may delete your account at any time from within the app (Profile → Delete Account) or by contacting luminoepremium@gmail.com.

Provisions that by their nature should survive termination (including sections on intellectual property, disclaimers, limitation of liability, indemnification, and governing law) will remain in effect.

These Terms are governed by the laws of the State of Delaware, United States, without regard to its conflict of law principles.

Any dispute arising from or related to these Terms or the Services shall be resolved in the state or federal courts located in Delaware, and you consent to the personal jurisdiction of such courts. Nothing in this section prevents either party from seeking injunctive or equitable relief in a court of competent jurisdiction.

We may update these Terms from time to time. When we do, we will revise the “Effective date” at the top of this page and, for material changes, provide notice through the app or by email. Your continued use of the Services after the updated Terms take effect constitutes your acceptance of the changes.

If you obtained the app through the Google Play Store, you also agree to the Google Play Terms of Service. These Terms are in addition to, and do not replace, those terms.

• Entire agreement: these Terms and the Privacy Policy constitute the entire agreement between you and us regarding the Services.
• Severability: if any provision of these Terms is held to be invalid or unenforceable, the remaining provisions will continue in full force and effect.
• No waiver: our failure to enforce any right or provision will not be deemed a waiver of that right.
• Assignment: you may not assign or transfer these Terms without our prior written consent. We may assign these Terms without restriction.

If you have questions about these Terms, please contact us: