Terms of Service
Last updated: 17 September 2026
These Terms of Service govern your use of vindiko.com and any related services operated by Vindiko, a company registered in Lithuania (Reg. No. 306145823). Please read them carefully before using the Service.
1. Acceptance of Terms
By accessing or using Vindiko ("the Service"), you agree to be bound by these Terms of Service. If you do not agree, you must not use the Service. These terms apply to all visitors, registered users, and anyone else who accesses the Service.
2. Service Description
Vindiko provides tools to help policyholders understand and challenge insurance settlement offers. This includes cost estimate generation, formal dispute letter drafting, and access to dispute history via a registered account. The Service is provided for informational purposes only.
3. Not Legal Advice
Nothing produced by the Service — including estimates, letters, or any other output — constitutes legal advice. Vindiko is not a law firm and does not provide regulated legal services. For disputes involving complex liability or significant sums, we recommend consulting a qualified lawyer.
4. User Obligations
You agree to provide accurate information when using the Service and not to submit fraudulent or misleading claims. You must not attempt to reverse-engineer, scrape, or abuse the Service in any way. You are responsible for maintaining the security of your account credentials.
5. Payments and Refunds
Access to the full dispute letter requires purchasing credits. Prices are displayed in EUR and are inclusive of any applicable VAT. If your insurer does not respond to a dispute letter within 30 days of delivery, you may request a full refund by contacting us with proof of delivery within 60 days of purchase.
6. Intellectual Property
The dispute letters and estimates generated by the Service are licensed to you for personal use. Vindiko retains all intellectual property rights in the underlying technology, templates, and platform. You may not resell or redistribute outputs without written permission.
7. Disclaimers and Limitation of Liability
The Service is provided "as is" without warranties of any kind. We do not guarantee that any dispute letter will result in a changed settlement offer. To the maximum extent permitted by law, our total liability to you shall not exceed the amount you paid for the relevant dispute credit.
8. Termination
We may suspend or terminate your access if you breach these terms or if we reasonably believe your use is fraudulent or harmful. You may delete your account at any time via account settings. Termination does not affect any accrued rights or liabilities.
9. Governing Law
These terms are governed by the laws of the Republic of Lithuania. Any dispute arising from or related to these terms shall be subject to the exclusive jurisdiction of the courts of the Republic of Lithuania.
10. Changes to These Terms
We may update these terms from time to time. We will notify registered users by email at least 14 days before any material change. Continued use of the Service after that date constitutes acceptance of the revised terms.