Last Updated: December 9th, 2025

Welcome to Otter Claims Solutions (“Otter,” “we,” “our,” or “us”). These Terms of Service (“Terms”) govern your use of our website, services, communication channels, and any related tools provided by Otter Claims Solutions. By accessing or using our services, you agree to be bound by these Terms.

If you do not agree, please discontinue use of our website and services immediately.

1. Use of Our Services

You agree to use Otter’s services only for lawful purposes and in accordance with these Terms.
You may not:

• Provide false, misleading, or incomplete information

• Interfere with or disrupt system operations

• Attempt to gain unauthorized access to systems, data, or accounts

• Use our services for fraudulent, abusive, or harmful activity

Otter reserves the right to suspend or terminate access for any violation of these Terms.

2. Accuracy of Information

You are responsible for ensuring that all information you submit is accurate and up to date.
Otter is not liable for delays, miscommunications, or processing errors caused by incorrect information submitted by users.

3. Communications & Text Messaging

By contacting us or submitting your phone number, you acknowledge and agree that Otter Claims Solutions may communicate with you via:

• Email

• Phone call

• SMS/text messaging 

Communication may include responses to your inquiries, service updates, scheduling, or other information directly related to your request.

Opt-Out

You may opt out of SMS communications anytime by replying STOP to any text message.
Help is available by replying HELP.

Message and data rates may apply.
Consent to receive texts is not a condition of service, unless necessary for claim or service coordination.

4. No Legal or Financial Advice

Otter Claims Solutions provides administrative and operational services related to claims support.
We do not provide:

• Legal advice

• Financial advice

• Insurance policy interpretation

• Guarantees regarding claim outcomes

Any information provided is for general informational purposes and should not be relied upon as a substitute for professional counsel.

5. Third-Party Services

Our website may contain links to third-party websites or systems.
Otter is not responsible for:

• The content or accuracy of external sites

• The privacy practices or security of third parties

• Any loss or damage resulting from third-party interactions

Use third-party services at your own risk.

6. Intellectual Property

All content on our website—including logos, text, graphics, icons, branding, design, and software—is the property of Otter Claims Solutions and may not be copied, modified, distributed, or used without prior written permission.

You may view content for personal or internal business purposes only.

7. Availability and Service Modifications

We may modify, suspend, or discontinue any part of our website or services at any time without notice.
We are not responsible for:

• Downtime

• Technical issues

• Interruptions caused by maintenance, third-party outages, or unforeseen events

We strive to ensure reliability but do not guarantee uninterrupted service.

8. Limitation of Liability

To the fullest extent permitted by law:

• Otter Claims Solutions is not liable for any indirect, incidental, special, consequential, or punitive damages.

• We are not responsible for data loss, service interruptions, delays, or damages resulting from system failures, security breaches, or user error.

• Your sole remedy for dissatisfaction with our services is to discontinue use.

9. Indemnification

You agree to indemnify and hold Otter Claims Solutions, its employees, contractors, and partners harmless from any claims, damages, losses, or liabilities arising out of:

• Your misuse of the website or services

• Your violation of these Terms

• Your infringement of any third-party rights

10. Privacy

Your use of our services is also governed by our Privacy Policy, which explains how data is collected, used, stored, and protected.
By using our services, you acknowledge that you have read and understand the Privacy Policy.

11. Governing Law

These Terms are governed by the laws of the State of Florida, without regard to conflict of law principles.
Any disputes shall be resolved exclusively in courts located in that state.

12. Changes to These Terms

Otter Claims Solutions may update or modify these Terms at any time.
The “Last Updated” date will indicate the current version.
Continued use of the website after changes constitutes acceptance of the updated Terms.

13. Contact Information

If you have questions about these Terms or need support, you may reach us at:

Otter Claims Solutions
Email: support@ottersolv.com
Phone: 863-354-5361