ADR 0039 contract floors · Phase 14 closure
Public Commitments
Public commitments are the contract floors Claimful publishes on the marketing site. Each row names the binding floor printed to merchants and consumers, the internal ADR that is the implementation root of record, and the walk-back rule for any downward change. Internal-vs-public framing is shown so merchants can audit which numbers Claimful holds itself to versus internal SLOs.
Commitment matrix
| Commitment | Binding floor | Internal root ADR | Walk-back rule |
|---|---|---|---|
| §1API rate limit | Up to 1,000 req/min aggregate per merchant; subject to per-IP and WAF anti-abuse limits documented in API reference. Distribute traffic across egress IPs to maximize throughput. Internal framing: Per-IP secondary cap (100 rpm) + Cloudflare WAF caps (per ADR 0017 §5) precede Laravel rate limiter. Merchants integrating from a single egress IP must distribute traffic to reach the aggregate floor. | ADR 0017 §1 lines 45-52 (merchant_api_strict bucket) · ADR 0039 §1 line 36 | Lowering the 1,000 rpm aggregate floor is a breach of public commitment. Raising it is unilateral. |
| §2Uptime SLA | 99.9% monthly uptime per service (api.claimful.ai, claimful.claims, claimful.ai). Phase 14 promotes widget.claimful.ai to the 4th binding service. Internal framing: Synthetic probes from ≥3 geographic regions every 60 seconds; minute counted as down when ≥2 of 3 regional probes return non-2xx or exceed 5s. Scheduled maintenance announced ≥48h in advance is excluded. | ADR 0039 §2 lines 67-68 (Pingdom 3-region 60s probe protocol) | Below 99.9% monthly uptime triggers SLA service credits (10% / 25% / 50% schedule). |
| §3Revenue split | 40% merchant / 40% reserve / 20% platform on every protection fee. Internal framing: On an $8.00 protection fee: $3.20 merchant / $3.20 reserve / $1.60 platform. Reserve is held against approved claims and refund issuance. | ADR 0039 §3 · ADR 0033 §1 | Lowering the merchant share is a breach. Raising the merchant share is unilateral. Reserve and platform shares cannot be lowered below the published floor. |
| §4Claim resolution time | Target after Phase 2 calibration; pilot Phase 1 claims process via human review Internal framing: Phase 1 = pilot human review; Phase 2 = AI auto-approval lane gated by ABC + 7-conjunct activation per ADR 0007. The "<7 days" promise is suppressed from public copy until Phase 2 calibration passes. | ADR 0039 §4 line 147 (aspirational vs floor distinction) | Phase 1 resolution time is internal-SLO only. Phase 2 sub-7-day target activates only after ADR-0007 calibration gates pass. Walking back the Phase 2 target after activation requires the 90-day amendment notice. |
| §5Refund settlement timing | Approved claims issued via Stripe Refund within hours of approval. Funds reach the consumer bank in 3-5 business days. Per Consumer Contract Part IV.C, refund issuance occurs within 30 days of approval. Internal framing: Internal SLO: Stripe Refund API issued within 1 hour of approval. Bank-side 3-5 days is the per-issuer external timeline. | Consumer Contract Part IV.C · ADR 0033 §1 · ADR 0039 §5 | Lowering the 30-day floor is a breach. Per-issuer bank-settlement delay is external and excluded. |
| §6Status page | Public status page at status.claimful.ai publishes uptime + incident history for api.claimful.ai, widget.claimful.ai, claimful.claims, claimful.ai (4 services × 99.9% per service after Phase 14 §6 promotion). Internal framing: Maintenance announcements + incident postmortems published on status page. Pingdom probes drive per-service uptime feed. | ADR 0039 §6 lines 178-184 · Phase 14 §6 widget-promotion amendment (widget.claimful.ai promoted from informational to 4th binding service) | Removing a service from the status page is a breach. Trust-boundary semantics for the widget CDN remain per ADR 0031. |
| §7Fee commitments | No setup fee. No monthly minimum. No per-claim charge. Internal framing: Pilot pricing — three-zero floor protects merchant economics. Enterprise tier overrides require per-merchant amendment. | ADR 0039 §7 | Adding any of the three (setup / monthly minimum / per-claim charge) is a breach of public commitment. |
| §8Reserve posture | Claimful maintains a claims reserve from collected protection fees. At pilot scale, reserve plus balance-sheet backstop covers approved claims. CLIP carrier coverage activates at scale per Merchant Schedule. Internal framing: CLIP carrier disclosure is future-state. The Merchant Schedule §"Insurance Posture" clause exists in template form; carrier name + binder reference disclosed only when bound at scale. | ADR 0039 §8 line 221 (verbatim safe-form copy) · §8 lines 218-224 (2-condition gate) | Replacing safe-form copy with carrier-specific language requires (a) CLIP binder bound + Merchant Schedule §"Insurance Posture" clause published, AND (b) CTO + legal sign-off recorded. |
| §9Qualified marketing metrics | Up to 99% chargeback reduction observed in pilot cohorts where Claimful was active for eligible transactions; results vary by merchant mix, checkout volume, dispute category, and implementation completeness. Internal framing: Pilot-cohort metric. Banned-lexicon rule + marketing-CI gate enforce qualifier presence on every public surface. | ADR 0036 §11 (FTC clear-and-conspicuous proximity model) | Removing the qualifier ("up to", "observed in pilot cohorts", "results vary by ...") is a breach. Cited statistics must remain in clear-and-conspicuous proximity. |
Governing documents
These commitments are governed by the Consumer Contract and Merchant Schedule. Walk-back of any binding floor requires the ADR amendment plus 90-day Merchant Schedule notice mechanism per ADR 0039.
- Terms of Service (claimful.ai)
- Privacy Policy (claimful.ai)
- Acceptable Use Policy (claimful.ai)
- Cookie Policy (claimful.ai)
Publication pending (Phase 13 follow-up):
- Consumer Contract (publication pending) (claimful.ai)
- FAQ (claimful.ai)
- Consumer Portal Terms (publication pending) (claimful.claims)
ADR 0039 §1 / §4 / §8 closure
Phase 14 closes the three ADR 0039 legal-review-blockers at the engineering wiring layer: §1 rate-limit copy reconciled with ADR 0017 per-IP and WAF caveats; §4 claim-resolution time framed as aspirational vs floor with the Phase 1 / Phase 2 distinction surfaced; §8 CLIP-language replaced with safe-form reserve-posture copy and the banned-term registry extended to seven never-liable variants blocked at PHPStan, ESLint, and rendered-HTML scrub layers.
A CEO + legal letter-of-acceptance is drafted in the repository (Phase 14 template + DocuSign envelope-id placeholder) and counter-signature procurement is in progress. The signed PDF will be published here when sign-off completes.