Disclaimer
Last updated: March 2026
Important Notice
Churo provides claim organization and preparation support only. We are not an insurance company, law firm, benefit administrator, or claims adjuster. We do not make coverage determinations, guarantee approval or payout of any claim, provide legal or insurance advice, act as your representative, or submit claims on your behalf (unless expressly offered as a future feature).
The information provided through Churo is based on structured rules derived from publicly available benefit guides, user-provided documents, and AI-assisted analysis. This information is provided for organizational and informational purposes only and should not be construed as legal, financial, or insurance advice.
Final claim determinations are made solely by the applicable benefit administrator, insurer, or card benefits provider. Churo has no influence over and accepts no responsibility for such determinations.
Users are solely responsible for verifying the accuracy of all information submitted and for filing claims directly with their benefit providers within applicable deadlines.
Coverage rules, thresholds, requirements, and deadlines referenced within Churo are based on our interpretation of publicly available information and may not reflect the most current terms. Users should consult their card issuer's current Guide to Benefits for authoritative coverage details.