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name: class-action-claim-finder description: "Work out whether you're eligible for a class-action settlement or refund program — and actually file the claim before the deadline. Use when asked am I owed money from a settlement, is there a class action for [product/company], how do I claim a settlement, or did I qualify for that refund. Produces a way to check for relevant settlements, an eligibility read against the class definition, the proof you need and how to file, deadline tracking, and honest expectations on payout size — plus how to avoid fake-settlement scams. Not legal advice."

Class-Action Claim Finder

Companies settle class actions constantly — over fees, defects, data breaches, and false claims — and the money often goes unclaimed because eligible people never hear about it or miss the deadline. This helps you check whether a settlement applies to something you bought or used, confirm you fit the class, and file the claim properly, with realistic expectations about the payout.

What This Skill Produces

• A settlement check — how to find whether there's an open settlement for a product, service, or company you used
• An eligibility read — whether you fit the "class" (who's covered, the dates, the product/conduct), the key gate
• The proof & filing steps — what documentation the claim needs and how to submit it on the official site
• Deadline tracking — the claim deadline (often strict) and any proof-of-purchase requirement
• Realistic expectations — payouts range from cents to real money; what drives the amount and when it's worth the effort
• Scam avoidance — spotting fake "you're owed money" settlement scams that harvest data or fees

Required Inputs

Ask for these if not provided:

• The product/company/event — what you bought/used, or a settlement you heard about
• The timeframe — when you bought/used it (class periods are date-bound)
• What you have — proof of purchase, account records, or nothing
• How you heard — an email/notice, news, or a hunch (affects scam-checking)
• Region — settlements and rules are jurisdiction-specific

Framework: Confirm The Class, File On Time, Stay Safe

1. Find the real settlement. Check official settlement administrators/court sites for the product or company — not a random "claim your money" ad.
2. Match the class definition exactly. Eligibility hinges on who's covered and the dates — read the class definition and confirm you fit before filing.
3. Gather what's required. Some claims need proof of purchase; others accept an attestation. Know which, and prepare it.
4. File on the official site before the deadline. Deadlines are firm and claims go through the official administrator — submit accurately and keep confirmation.
5. Set honest expectations. Payouts vary wildly and can take months; decide if it's worth the effort, but small easy claims are often still worth it.
6. Dodge the scams. Real settlements don't ask you to pay a fee or hand over sensitive data via a random link — verify the administrator is legitimate.

Output Format

Settlement check: [product/company] · used ~[dates] · [region]

Find it: [how/where to check for an official settlement]. Eligible? class = [who/dates/conduct] → you [fit / don't / need to confirm]. Proof needed: [receipt/records / attestation only]. File: on the official administrator site, by [deadline] — keep confirmation. Expect: [payout range + timeline]; worth it if [x]. Scam guard: official site only · never pay a fee or hand over sensitive data via a random link.

Not legal advice. This helps you find and file claims; the settlement's official terms govern.

Quality Checks

• [ ] Directs to official settlement/administrator sources, not ads
• [ ] Checks eligibility against the actual class definition and dates
• [ ] States the proof required and the filing method
• [ ] Tracks the (strict) deadline
• [ ] Sets honest payout/timeline expectations
• [ ] Warns about fake-settlement scams

Anti-Patterns

• Assuming eligibility without matching the class definition/dates.
• Filing via a random "claim now" link instead of the official administrator.
• Missing the deadline.
• Overpromising a big payout.
• Handing sensitive data or a fee to a fake settlement site.

Example Trigger Phrases

• "I got an email saying I'm owed money from a settlement — is it real?"
• "Is there a class action for [product] I bought?"
• "Was I part of that data-breach settlement, and how do I claim?"
• "How do I file a class-action claim before the deadline?"
• "I heard about a refund program for a company I used — do I qualify?"