These terms are an agreement between you and Fairmark (operated by Eren Menteşe) ("we", "us"). Fairmark is run by an individual, not a company. By using the site or buying a kit, you agree to these terms. If you do not agree, please do not use the service.
You must be 18 or older to use the service or buy a kit.
1. What the service is
Fairmark is self-help software for car owners in the United States who want to check an insurance offer. It has two free tools and two paid kits:
- A free total-loss check that reads your insurer's valuation report and flags points that may be worth questioning.
- A free diminished value calculator.
- The Total Loss Dispute Kit ($49) and the Diminished Value Claim Kit ($49). Each is a one-time purchase of letters, explanations, checklists and guides that you download as PDF and Word files.
The software does the work. You decide what to do with the result. We never contact your insurer, never negotiate for you and never take a percentage of your settlement. We do not sell your details to lawyers or anyone else.
2. No legal advice, and who we are not
We are not a law firm and we do not give legal advice. Using the service does not create an attorney-client relationship or any other professional relationship with us.
We are not an insurer, an insurance agent, a public adjuster or a licensed appraiser. We do not act on your behalf with any insurer, and we cannot represent you in an appraisal, a complaint or a lawsuit.
Our explanations and letters are general information applied to the numbers you give us. They are not a substitute for advice from an attorney who knows your facts. See our disclaimer for when it makes sense to talk to one.
3. Your responsibilities
- Check your inputs. Results depend on what you upload or type. We show every number we read from your report so you can correct it. You are responsible for confirming those numbers are right.
- Review every letter before you send it. Read each draft, fill in the placeholders, remove anything that is not true for your claim, and add what is missing. You send letters yourself and you are responsible for what they say.
- Watch your deadlines. Your policy and your state set deadlines for appraisal demands, complaints and lawsuits. Some can be short. We may list general deadlines, but tracking the ones that apply to you is your responsibility.
- Be truthful. Do not use the service to make false or misleading statements to an insurer or anyone else.
4. State law information
Our state guides and the rules inside the checks come from a dataset we research from statutes, regulations and Department of Insurance publications. We cite our sources and show the date the dataset was last updated. The dataset does not yet cover every state, and it has not had an independent legal review. Laws, regulations and agency practice change, and courts can read the same rule in different ways. Some points we could not fully confirm; we mark those and suggest you check them.
State information is general. It may be incomplete or out of date for your situation. Before you rely on a rule, confirm it with your state Department of Insurance or an attorney licensed in your state.
5. Estimates are not guarantees
Dollar figures such as an estimated gap, a diminished value range or a market scan of listings are estimates. They are based on your inputs, public information and our methods. They are not appraisals and they are not a promise of what an insurer, appraiser or court will pay. Insurers may reject any point. Results vary from claim to claim.
6. Acceptable use
You agree not to:
- Scrape, crawl or copy the site, its guides or its state data in bulk, by any automated means.
- Upload files or send requests through scripts, bots or other automated tools, or try to get around rate limits or usage limits.
- Upload another person's documents or personal information without their permission.
- Try to get a paid kit without paying, tamper with tokens or orders, or probe, disrupt or overload our systems.
- Resell kits, or use the service to run a paid claims business for other people.
- Use the service for anything unlawful.
You may use a kit for your own claim, or to help a family member or friend with theirs if they ask you to. We may block or limit access when we see misuse.
7. Payments
Our order process is conducted by our online reseller, Paddle.com. Paddle.com is the merchant of record for all our orders. Paddle takes your payment, collects your billing details, charges sales tax or VAT where it applies, sends your receipt and processes refunds. Your purchase is also covered by the Paddle buyer terms. For questions about a charge, you can contact us or Paddle directly at paddle.net.
Prices are shown in US dollars and are one-time charges. There are no subscriptions and nothing renews. We never see or store your card details.
8. Refunds
You can get a full refund within 30 days of purchase, for any reason. Refunds are issued through Paddle to your original payment method. Our refund policy explains how to ask.
9. Intellectual property
You own the documents you upload and the letters you create with the service. You may use, edit, copy and send them as you choose, including any of our template wording that appears in them.
We own the software, the site design, our guides and our rules, models and templates. These terms do not give you any right to them beyond using the service as described here.
10. Third-party services
The service relies on providers such as Paddle for payments, Google for reading reports and searching listings, and public data sources such as the NHTSA vehicle database. We do not control them and we are not responsible for their content, availability or terms. Google search suggestions shown in a kit lead to Google, not to us.
11. Disclaimers
To the extent the law allows, the service is provided "as is" and "as available". We do not promise that it will be error-free, uninterrupted or right for your claim, and we disclaim implied warranties such as merchantability and fitness for a particular purpose. We do our best to keep the information accurate, but we cannot promise it is complete or current.
12. Limitation of liability
To the extent the law allows, we are not liable for indirect, incidental, special or consequential losses, or for lost settlements, lost profits or missed deadlines. Our total liability for any claim about the service is limited to the amount you paid us in the 12 months before the claim arose.
Nothing in these terms limits or excludes liability that cannot be limited under the law that applies to you, such as liability for fraud or for death or personal injury caused by negligence. Nothing in these terms takes away rights you have as a consumer under mandatory law.
13. Changes
We may update these terms as the service changes. When we do, we change the date at the top of this page. Changes apply from that date. A purchase you already made stays under the terms that applied when you made it, unless the law requires otherwise.
14. Governing law
These terms are governed by the laws of the Republic of Türkiye. This choice does not take away the protection of mandatory consumer laws of the place where you live, and you may rely on those laws.
15. Contact
Questions about these terms go to support@fairmarkvalue.com. Please include your order id if your question is about a purchase.
Fairmark (operated by Eren Menteşe) is based in the Republic of Türkiye.