Legal
Terms of Service
Last updated: September 3, 2026
These Terms of Service ("Terms") govern access to and use of the 1inQ platform ("1inQ", "we", "us"), a service of Interclaim, based in Montréal, Québec, Canada. By creating an account, or by using a claimant-facing link we send on a Client's behalf, you agree to these Terms. If you're using 1inQ on behalf of an organization, you're confirming you have the authority to bind that organization, and "you" refers to that organization as well as the individual user.
1. What 1inQ is (and isn't)
1inQ is an execution and coordination platform: it helps disability insurance carriers, third-party administrators (TPAs), and self-insured employers (each, a "Client") get claimants to faster private diagnostic imaging, specialist assessments, surgical coordination, and rehabilitation than the public healthcare system alone would provide. 1inQ is not an insurer, not a healthcare provider, and not a law firm. We do not practice medicine, adjudicate claims, or provide legal advice, and nothing in the platform should be read as any of those things.
2. Scope of service
1inQ is built for short-term and long-term disability (STD/LTD) insurance claims only. It does not apply to, and must not be used for, workers' compensation (WSIB) claims or auto insurance accident benefits, which are governed by different statutory regimes. A Client is responsible for confirming that a claim it submits to us falls within this scope.
3. Accounts and eligibility
Dashboard accounts are issued to Client staff (or their authorized delegates) who need to submit claims, review bookings, or manage their organization's use of 1inQ. Claimants never need to create an account — they interact with us only through a single-use, tokenized link we send them directly (see our Privacy Policy, Section 4). You're responsible for keeping your account credentials confidential and for activity that happens under your account.
4. Client responsibilities
A Client submitting claim information to us confirms that: it has a lawful basis to share that information with us, including the claimant's own consent to be referred for care (typically obtained under the claimant's own policy and the Client's claims-handling process); the information it provides is accurate to the best of its knowledge; and it will comply with applicable privacy law, including PIPEDA and, for Québec claimants, Law 25, in its own handling of claimant information.
5. Appointment confirmation
Once a Client selects a specific clinic and appointment time through our platform, we automatically send the claimant a brief message naming that clinic, date, and time, and asking them to confirm it works before the appointment is finalized, using the process described in our Privacy Policy. This is not the claimant's consent to be referred for care in the first place — that decision is the Client's responsibility under Section 4 above, made before the claim reaches us. If a claimant indicates the time doesn't work, or does not respond, 1inQ will not finalize that appointment, and the Client is notified so a new time can be arranged.
6. Fees
Fees for using 1inQ are set out in a separate written agreement between 1inQ and the Client, not on this page. Where a platform fee applies to a specific booking, it is disclosed to the Client before the booking is confirmed.
7. Independent clinics and providers
Clinics, specialists, and other providers booked through 1inQ are independent third parties. They are not our employees, agents, or subcontractors, and we don't control the clinical care they provide. We work to give accurate, current information about a provider's availability and pricing, but we can't guarantee a specific appointment time will remain available until it's confirmed, or that a provider's services will meet any particular expectation.
8. No medical or legal advice
Anything 1inQ shows about a claim's likely eligibility, provincial rules, or estimated cost savings is general operational guidance to help a Client's staff work faster — it is not medical advice and not legal advice, and it doesn't replace a Client's own clinical, legal, or claims-adjudication judgment. Decisions about a specific claim remain the Client's to make.
9. Intellectual property
1inQ, its logo, and the software, design, and content of the platform belong to Interclaim or its licensors. These Terms give you a limited, non-exclusive, non-transferable right to use the platform for its intended purpose — they don't transfer ownership of anything to you.
10. Confidentiality
Each party agrees to keep the other's non-public business information confidential, and to use it only as needed to provide or receive the service, consistent with any separate confidentiality or data-processing agreement in place between 1inQ and the Client.
11. Disclaimers and limitation of liability
The platform is provided "as is" and "as available." To the fullest extent the law allows, we disclaim all warranties, express or implied, including any warranty of uninterrupted or error-free operation. Neither party will be liable to the other for indirect, incidental, or consequential damages arising from use of the platform, and each party's total liability is limited as set out in the commercial agreement between 1inQ and the Client (or, absent one, to the fees paid to 1inQ in the 12 months before the claim arose). Nothing in these Terms limits liability where the law doesn't allow it to be limited.
12. Termination
Either party may end its agreement with the other as set out in their commercial agreement, or, absent one, with 30 days' written notice. We may suspend access immediately if we reasonably believe an account is being used in a way that risks the security of the platform or another person's information.
13. Governing law
These Terms are governed by the laws of the Province of Québec and the federal laws of Canada applicable there, without regard to conflict-of-law rules. Any dispute arising from these Terms will be brought before the courts of Québec.
14. Changes to these Terms
We may update these Terms from time to time. We'll update the date at the top of this page when we do, and for significant changes, we'll take reasonable steps to let our Clients know.
15. Contact us
Questions about these Terms can be sent to mo@1inq.ca.