Terms of Service

Effective date: September 26, 2026

These Terms of Service (“Terms”) govern your use of the Havn.ai mobile application and website (together, the “Service”), operated by Webs Spun Right, LLC, doing business as Havn.ai (“we,” “us”). By creating an account or using the Service, you agree to these Terms and to our Privacy Policy.

The most important term, up front: Havn.ai provides informational organization and analysis based on the documents you provide. It is not a law firm, licensed public adjuster, or insurance company and does not provide legal advice. Always confirm coverage, reimbursement, and strategy with your adjuster, a licensed public adjuster, or an attorney.

1. What the Service is

Havn.ai helps you organize a property-insurance claim: storing and reading your documents, extracting information for your confirmation, tracking expenses, comparing estimates, answering questions grounded in your own documents, and generating report packets. Outputs of the Service — including AI-generated summaries, extractions, comparisons, and answers — are informational tools to help you get organized. They may contain errors, they depend on the documents you provide, and they are not professional advice of any kind. You are responsible for verifying information before relying on it, and decisions about your claim are yours.

2. Eligibility and accounts

  • You must be at least 18 years old to use the Service.
  • You agree to provide accurate account information and to keep access to your sign-in email secure. You are responsible for activity under your account.
  • One person per account. A claim's owner can link a contractor's Havn Pro workspace to that claim (section 13), and these Terms apply to that use too. A Havn Pro account uses a different email address from a homeowner account.

3. Your content

  • You own your content. Documents, photos, and information you upload or enter remain yours.
  • You grant us a limited license to host, process, and display your content solely to provide the Service to you — including sending relevant portions to our service providers (for example, AI and OCR processing) as described in the Privacy Policy.
  • You are responsible for having the right to upload the content you upload.
  • You can delete a claim (including its documents) at any time; deletion is permanent.

4. Acceptable use

You agree not to:

  • Use the Service to commit insurance fraud or to misrepresent facts to any insurer, adjuster, or court — Havn.ai is for organizing truthful claims, not manufacturing them;
  • Upload malware, attempt to access other users' data, probe or overload the Service, or circumvent usage limits;
  • Resell or white-label the Service without a written agreement with us;
  • Use the Service in violation of applicable law.

5. Beta status, availability, and changes

The Service is currently offered as a beta. Features may change, be added, or be removed; availability is not guaranteed; and data limits (such as document, message, or report caps) may apply and change. We'll communicate material changes in the app. We may suspend or terminate accounts that violate these Terms.

6. Fees and purchases

You can use the Service on the free plan without paying. Two paid options lift its limits; both are optional, and both are described on our pricing page.

  • The free plan includes every feature of the Service, with limits: 25 documents per claim, 10 assistant and AI actions a day, 40 address and price lookups a day, 25 documents read a day, and 5 reports a day, each carrying a “Created free with Havn.ai” line. Emailing a report from the Service is not included in the free plan. We may change these limits; the current ones are on the pricing page.
  • Claim Pass is a one-time purchase ($199) that applies to one claim, and that claim only, for 24 months from the date of purchase. It does not renew, and there is nothing to cancel.
  • Havn.ai Plus is a subscription ($29 per month) that applies to every claim on your account while it is active. It renews automatically each month until you cancel. You can cancel at any time in your Apple Account (App Store) subscription settings, and the subscription then runs to the end of the period already paid for.
  • How purchases work. Claim Passes and Plus are sold in the iPhone app and processed by Apple under Apple's terms. We receive confirmation of the purchase and your entitlement; we never see your card number. The web app and Android cannot make purchases yet. A purchase made on your iPhone applies to your account wherever you sign in. The App Store shows the exact price before you confirm, and a later price change never affects a Claim Pass you have already bought or a Plus period you have already paid for.
  • Refunds. Because Apple processes the payment, refund requests are made to Apple and decided under Apple's refund policy. We do not process refunds ourselves.
  • Havn Pro (contractors). A contractor workspace is free until it has three linked client claims. From then on it costs $49 per seat per month, billed through Stripe, and billing begins only when the workspace owner turns it on. A seat is one person with their own sign-in. Seat fees are separate from any homeowner's plan: a contractor's seats never pay for a client's claim, and a client's plan never pays for seats. Section 13 covers how a workspace relates to a homeowner's claim.

7. Disclaimers

THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE,” WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING FITNESS FOR A PARTICULAR PURPOSE, ACCURACY, AND NON-INFRINGEMENT. WITHOUT LIMITING THE ABOVE: HAVN.AI DOES NOT WARRANT THAT AI-GENERATED OUTPUT IS ACCURATE OR COMPLETE, DOES NOT GUARANTEE ANY CLAIM OUTCOME OR REIMBURSEMENT, AND DOES NOT PROVIDE LEGAL, FINANCIAL, OR INSURANCE ADVICE.

8. Limitation of liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, HAVN.AI WILL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR FOR LOST PROFITS, LOST DATA, OR CLAIM OUTCOMES, ARISING FROM YOUR USE OF THE SERVICE. OUR TOTAL LIABILITY FOR ANY CLAIM ARISING OUT OF THE SERVICE IS LIMITED TO THE GREATER OF $100 OR THE AMOUNT YOU PAID US IN THE TWELVE MONTHS BEFORE THE CLAIM AROSE. Some jurisdictions do not allow certain limitations, so parts of this section may not apply to you.

9. Indemnity

You agree to indemnify Havn.ai against claims arising from your violation of these Terms or your misuse of the Service, including any misrepresentation you make to an insurer using materials you prepared with the Service.

10. Termination

You can stop using the Service and delete your data at any time. We may suspend or terminate access for violations of these Terms, with notice where practicable. Sections that by their nature should survive termination (including 7–9) survive.

11. Changes to these Terms

If we make material changes, we will update the effective date above and notify you in the app or by email before the changes take effect. Continued use after changes take effect constitutes acceptance.

12. Governing law and disputes

These Terms are governed by the laws of the United States and the State of California, without regard to conflict-of-law rules. Before filing any claim, you agree to contact us at info@myhavn.ai and give us 30 days to work it out informally.

13. Havn Pro and contractor sharing

  • Linking is the homeowner's choice. Only a claim's owner can link a contractor's Havn Pro workspace to a claim, and only from an invite link the contractor provides. Before confirming, the owner is shown exactly what the workspace's members will and will not see; that list is in our Privacy Policy. The owner can unlink the workspace at any time, which ends its access immediately.
  • What a linked workspace may do. Its members may view the shared parts of the claim and add their own estimates, photos and messages to it. They may not edit or delete the homeowner's content, and may not share the claim onward. The homeowner may see and delete anything they add.
  • Contractor accounts. A Havn Pro workspace is created by its owner, who is responsible for the team members they seat and for what those members add to a client's claim. Havn Pro organizes what a client shares; it does not make anyone an adjuster or change what a contractor is licensed to do.
  • Fees for Havn Pro are in section 6.

14. Contact

Questions about these Terms: info@myhavn.ai.