Terms of Service
Last updated: March 2026
1. Service Description
Churo provides claim organization and preparation support services for travel-related benefit claims. We help users upload documents, extract relevant information, evaluate potential eligibility against structured coverage rules, identify missing documentation, and prepare claim packets for submission to benefit administrators.
2. No Guarantee of Coverage or Approval
Churo does not guarantee that any claim will be approved, paid, or otherwise satisfied. Our eligibility assessments are based on structured rules derived from publicly available benefit guides and user-provided information. Final coverage decisions are made exclusively by the applicable benefit administrator, insurer, or card benefits provider.
3. No Legal Advice
Churo is not a law firm and does not provide legal advice. Our services are informational and organizational in nature. No attorney-client relationship is created by using our platform. If you require legal advice, please consult a licensed attorney.
4. User Responsibilities
Users are responsible for the accuracy and completeness of all information and documents provided. Users are responsible for submitting claims to their benefit providers. Users must comply with all applicable laws and their agreements with card issuers and benefit providers.
5. Payments and Refunds
Payments are processed per claim based on the selected service tier. Refund requests may be submitted within 7 days of purchase if no results have been generated. Once results are delivered, purchases are non-refundable.
6. Privacy and Data
Your use of Churo is subject to our Privacy Policy. We handle your documents and personal information with care and in accordance with applicable privacy laws.
7. Limitation of Liability
Churo shall not be liable for any indirect, incidental, special, or consequential damages arising from the use of our services, including but not limited to claim denials, missed deadlines, or incorrect eligibility assessments.