THESE TERMS CONTAIN A BINDING ARBITRATION CLAUSE, A CLASS‑ACTION WAIVER, LIMITATIONS OF LIABILITY, A NO‑REFUND POLICY, AND OTHER IMPORTANT LEGAL PROVISIONS. PLEASE READ THEM CAREFULLY.
By accessing or using any Deductify website, mobile application, or related online service (collectively, the “Sites”), you agree to be bound by these Terms & Conditions (“Terms”). If you do not agree, do not use the Sites.
You represent and warrant that you (a) are at least 18 years old (or the legal age of majority in your jurisdiction); (b) have the authority to bind yourself or any entity you represent; and (c) are not barred from using the Sites by applicable law.
We may modify these Terms at any time. Revised Terms take effect on the “Last Updated” date above. Continued use of the Sites after that date constitutes acceptance.
NDAS Inc., a Delaware corporation doing business as “Deductify,” owns and operates the Sites. We may add, modify, suspend, or discontinue any Site feature at any time without liability.
If you purchase a membership or any fee‑based service, you authorize Deductify to charge your chosen payment method for all applicable amounts. Recurring charges are billed in advance. All sales are final; no refunds will be issued unless required by law.
If your payment method is declined, we may suspend or terminate your membership and charge a reinstatement fee.
Collections. If legal action is necessary to collect unpaid balances, you agree to reimburse Deductify for all reasonable collection costs, including attorneys’ fees and expenses.
All purchase requests are offers to buy. Deductify may accept or reject any order in its sole discretion.
You may not: (i) violate any law; (ii) transmit malware, spam, or data‑scraping scripts; (iii) infringe intellectual‑property or privacy rights; (iv) reverse‑engineer, decompile, or scrape the Sites; (v) impersonate Deductify or any person; or (vi) interfere with other users’ enjoyment of the Sites. Violations may result in suspension or termination without notice or payment.
You are solely responsible for maintaining the confidentiality of your login credentials and for all activity under your account. Notify us immediately of unauthorized access. Deductify is not liable for losses arising from unauthorized use.
All content on the Sites—including trademarks, graphics, text, software, and audio—is owned by Deductify or its licensors and protected by law. No content may be copied, distributed, or modified without our prior written consent.
By submitting reviews, testimonials, or other content, you grant Deductify a worldwide, perpetual, irrevocable, royalty‑free license to use, display, and distribute that content in any medium. Do not send confidential or proprietary information; we assume no obligation of confidentiality.
If you believe that material on the Sites infringes your copyright, please send a notice to support@deductify.com or to our Copyright Agent at the postal address in Section 29. A valid notice must include:
- A physical or electronic signature of a person authorized to act for the copyright owner;
- Identification of the copyrighted work claimed to be infringed;
- Identification of the material to be removed, with information reasonably sufficient to locate it;
- Your contact information;
- A statement of good‑faith belief that the disputed use is unauthorized; and
- A statement, under penalty of perjury, that the information provided is accurate and you are authorized to act on behalf of the owner.
Upon receiving a compliant notice, Deductify may remove or disable access to the material and, in its discretion, terminate repeat infringers.
Our Privacy Policy (incorporated by reference) explains how we collect, use, and protect personal data and how you may exercise rights under CCPA, COPPA, GDPR, and other laws. We do not sell personal information.
Any AI‑generated summaries, recommendations, or insights on the Sites are for informational purposes only and are not guaranteed to be accurate, complete, or legally binding.
THE SITES AND ALL PRODUCTS AND SERVICES ARE PROVIDED “AS IS” AND “AS AVAILABLE.” DEDUCTIFY DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON‑INFRINGEMENT.
To the fullest extent permitted by law, Deductify shall not be liable for indirect, incidental, consequential, special, or punitive damages. Deductify’s total liability for any claim shall not exceed the amount you paid in the twelve (12) months preceding the claim.
You agree to defend, indemnify, and hold harmless Deductify, its affiliates, officers, directors, employees, and agents from any claims, damages, liabilities, and expenses (including reasonable attorneys’ fees) arising out of or related to (i) your use or misuse of the Sites; (ii) your breach of these Terms; or (iii) your violation of any law or third‑party right.
You may not resell, sublicense, or redistribute any Deductify service or content without our express written consent.
The Sites may display third‑party advertisements or links. Any correspondence, purchase, or promotion between you and a third‑party advertiser is solely between you and that advertiser. Deductify is not responsible or liable for any third‑party content, products, or services.
We may provide email functionality directly or through third‑party providers. Except as required by law, by court order, or with the consent of a sender or recipient, we will not voluntarily inspect the contents of private messages. Automated filters may block spam; Deductify is not liable for blocked or unblocked messages.
We may establish storage quotas, bandwidth limits, or inactivity timeouts. The Sites are not a disaster‑recovery or emergency‑data‑storage service; maintain your own backups. Excessive consumption of shared resources may lead to suspension or termination.
Deductify operates a tiered group‑funded deductible benefit payment program—NOT insurance. No deductible benefit payments will be made for incidents occurring before membership activation or during the 30‑day grace period, unless expressly waived by the program administrator.Benefit limits: up to US$1,000 (Lite), US$1,500 (Pro), US$2,000 (Max).
- Exclusions: flood, earthquake, auto comprehensive losses, illegal activity, natural disasters, and other exclusions in plan documents.
- Filing deadline: Submit a complete request within 20 days of the incident date.
- VIN match: The vehicle identification number on your claim must match the VIN on file with your membership.
- Payment cap: Deductify will not pay more than the actual deductible you incurred.
- Frequency: Maximum two (2) payments per vehicle per membership year.
- Payment failures: If membership fees are unpaid for two consecutive months, coverage lapses and a new grace period applies upon reinstatement. Deductify reserves the right to deny any request that does not meet program requirements.
You agree to comply with U.S. export‑control laws and regulations. You may not download or use software from the Sites in embargoed countries or by prohibited parties.
Accessing the Sites from territories where their content is illegal is prohibited. Users outside the U.S. do so on their own initiative and are responsible for local‑law compliance.
Deductify may suspend or terminate your account at any time for any breach of these Terms. Upon termination, your right to use the Sites ceases immediately. Sections 6–7, 9–15, 18–27, and 30–33 survive termination.
Deductify is excused from liability for any failure or delay caused by events beyond its reasonable control (e.g., natural disasters, war, cyber‑attacks, government orders).
These Terms are governed by the laws of the State of Delaware, excluding conflict‑of‑law principles and the U.N. Convention on Contracts for the International Sale of Goods.
All judicial proceedings (subject to Section 26 arbitration) must be brought in the state or federal courts located in Delaware, and you consent to their exclusive jurisdiction.
Mandatory Arbitration. Any dispute shall be resolved by final, binding arbitration administered by the American Arbitration Association under its Commercial Arbitration Rules. The seat of arbitration is Delaware.
Class‑Action Waiver. Claims may be brought only on an individual basis.
Opt‑Out. You may opt out of arbitration within 30 days of first accepting these Terms by sending written notice to the address in Section 29.
You may not assign or transfer any rights under these Terms without Deductify’s prior written consent. Deductify may assign its rights and obligations freely.
These Terms confer no rights or remedies on any third party.
Legal notices must be sent to:NDAS Inc. d/b/a Deductify
1881 Washington Ave., Suite 12G
Miami Beach, FL 33139
Email: support@deductify.com
We may provide notices to you by email, postal mail, or posting on the Sites.
Any cause of action you bring against Deductify or its affiliates must be commenced within one (1) month after the claim arises, or it is permanently barred. In any action to enforce these Terms, the prevailing party is entitled to reasonable attorneys’ fees and costs.
These Terms, together with the Privacy Policy, Membership Agreement, and any order form you execute with us, constitute the entire agreement between you and Deductify and supersede all prior agreements on the same subject.
Failure to enforce any provision of these Terms is not a waiver of that provision or any other provision.
If any part of these Terms is held unenforceable, the remaining provisions remain in full force and effect.
