Terms and Conditions

Last updated: April 6, 2026

1. Acceptance of Terms

By accessing or using CapOut ("the Service"), you agree to be bound by these Terms and Conditions. If you do not agree to these terms, do not use the Service.

2. Description of Service

CapOut provides a platform for converting insurance estimate PDFs into Xactimate-compatible ESX files. The Service includes PDF parsing, data extraction, profit analysis, material ordering, and direct ESX export to your Xactimate account.

3. Account Registration

To use the Service, you must create an account and provide accurate, complete information. You are responsible for maintaining the confidentiality of your account credentials and for all activity under your account.

4. Subscription and Credits

  • CapOut offers multiple subscription tiers with varying features and credit allocations.
  • Credits are used for ESX export conversions and are consumed per line item processed.
  • Unused credits do not roll over between billing cycles unless specified in your plan.
  • Subscription fees are billed in advance on a monthly or annual basis.

5. Acceptable Use

You agree not to:

  • Use the Service for any unlawful purpose
  • Upload documents you do not have authorization to use
  • Attempt to reverse-engineer, decompile, or disassemble the Service
  • Share your account credentials with unauthorized parties
  • Use automated scripts to access the Service without prior written consent

6. Intellectual Property

CapOut and its associated trademarks, logos, and content are the property of CapOut. You retain ownership of documents you upload. By uploading documents, you grant CapOut a limited license to process them for the purpose of providing the Service.

7. Xactimate Integration

The Service integrates with Xactimate via XactNet. You must maintain a valid Xactimate subscription to use the ESX export feature. CapOut is not affiliated with Verisk or Xactware and makes no guarantees about third-party service availability.

8. Limitation of Liability

CapOut is provided "as is" without warranties of any kind. We are not liable for any indirect, incidental, or consequential damages arising from your use of the Service, including but not limited to errors in converted documents, lost profits, or business interruption.

9. Cancellation and Refunds

You may cancel your subscription at any time through your account settings. Cancellation takes effect at the end of your current billing period. Refunds are handled on a case-by-case basis. Contact support for assistance.

10. Changes to Terms

We reserve the right to modify these terms at any time. We will notify you of significant changes via email or through a notice on the Service. Continued use after changes constitutes acceptance of the updated terms.

11. Governing Law

These terms are governed by and construed in accordance with the laws of the State of Texas, without regard to its conflict of law principles.

12. Contact

For questions about these terms, contact us at support@capout.ai.