Terms of Service

Koala helps you understand how US insurance works. You can build a profile, see estimated cost ranges for the coverage it implies, and ask an AI advisor questions about how insurance works — the educational plans below are subscriptions to that advisor. Separately, Koala offers a one-time claim check: it reads insurance-claim documents you upload, researches comparable outcomes, estimates a fair-value range, and generates a report and a draft demand letter.

All of it is software-generated analysis for your information. It is not a legal opinion, appraisal, or guarantee of any outcome.

The claim check is a single flat fee per analysis, shown before you pay. It is never a percentage of any recovery. Payment is processed by Stripe. Access to the paid analysis requires a completed payment; see the Refund Policy for when refunds are available.

The educational plans (Bronze, Silver, and Gold) are recurring subscriptions billed every 3 months in advance through Stripe. The Free plan has no charge and no card. Prices are shown before you subscribe and never include a percentage of any recovery.

You can cancel a subscription at any time to stop future renewals by emailing koala.insurance.help@gmail.com. Cancellation stops future charges; how the current billing period is handled is described in the Refund Policy.

You are responsible for the accuracy and legality of the information and documents you upload, for having the right to share them, and for reviewing any report or letter before you rely on or send it. Koala's estimates depend entirely on what you provide; incomplete or inaccurate inputs produce unreliable output.

Using Koala does not create an attorney-client, adjuster-client, or fiduciary relationship. Nothing Koala produces should be treated as legal, financial, or insurance advice.

To the fullest extent permitted by law, Koalais provided "as is" without warranties of any kind, and Abhinav Alwarappan is not liable for any indirect, incidental, or consequential damages, or for any claim outcome. Our total liability for any claim relating to the service is limited to the amount you paid for the analysis at issue.

You may stop using Koala at any time. We may suspend or terminate access if these Terms are violated or to comply with the law.

These Terms are governed by the laws of Texas, without regard to conflict-of-law rules. Disputes will be resolved in the courts located in Texas, unless applicable law requires otherwise.

Questions about these Terms? Email koala.insurance.help@gmail.com.