These Terms of Service ("Terms") govern your access to and use of the Medical Bill mobile application, website, and related services (collectively, the "Service"). The Service is owned and operated by Medical Bill ("Medical Bill," "we," "us," or "our").
By creating an account, using the Service, or tapping "Agree" or similar, you agree to be bound by these Terms. If you do not agree, do not use the Service.
1. Eligibility & Scope
1.1 Age
You must be at least 18 years old and capable of entering into a binding contract to use the Service. You may submit information on behalf of a dependent (e.g., your child) only if you have legal authority to do so.
1.2 Territory
The Service is designed for, and may only be used by, individuals located in the United States in connection with U.S.-based health care providers and insurers.
1.3 Agreement
By using the Service, you represent and warrant that you meet the eligibility requirements above, all information you provide is true, accurate, and complete, and you will use the Service in accordance with these Terms and applicable law.
2. Description of the Service
Medical Bill is a consumer-facing tool that helps you:
- Capture and upload images or files of medical bills, insurance cards, EOBs, and related documents;
- Use AI-powered analysis to extract, review, and identify potential billing or insurance errors;
- Receive non-binding estimates of potential savings based on detected issues;
- Generate appeal, grievance, or billing dispute documents ("Packets"); and
- With your authorization, have Medical Bill submit those Packets on your behalf via fax, mail, or other channels, and track status where possible.
The Service does not guarantee any particular result, payment, refund, or reduction in your bill.
3. No Legal, Medical, or Insurance Advice
Medical Bill is not a law firm, medical provider, or insurance company. The Service and any content we provide (including templates, explanations, or suggested letters) are for informational and administrative purposes only.
Nothing in the Service constitutes legal advice, medical advice or diagnosis, insurance coverage advice, or financial or tax advice. You should consult a licensed attorney, medical professional, or other qualified advisor for specific advice regarding your situation.
Your use of the Service and communications with Medical Bill do not create an attorney-client relationship.
4. Relationship to Insurers, Providers, and Regulators
Medical Bill is not affiliated with, endorsed by, or acting on behalf of any insurer, employer, government program, or healthcare provider. We do not control how an insurer or provider processes claims or appeals, whether they accept or reject any appeal, or how quickly they respond.
Any "likely savings" or "estimated savings" shown in the app are non-binding estimates only and may differ from actual results.
5. Your Account & Security
To use the Service, you may need to create an account. You agree to keep your contact information up to date. You are responsible for maintaining the security of your device and login credentials and for all activities under your account.
You agree to notify us promptly at support@medicalbill.pro if you suspect any unauthorized access to your account or PHI.
6. Your Responsibilities & User Content
6.1 Accurate Information
You are responsible for providing accurate and complete information, including medical bills, EOBs, insurance card images and plan details, your contact information, and answers to any intake questions.
6.2 User Content
"User Content" includes all information, text, images, documents, and other materials you submit or upload. You retain ownership of your User Content. You grant Medical Bill a worldwide, non-exclusive, royalty-free license to use, reproduce, adapt, transmit, and create derivative works from User Content solely as needed to provide, operate, improve, and support the Service, and as otherwise described in our Privacy Policy.
6.3 HIPAA & PHI
Much of the User Content you provide will constitute Protected Health Information ("PHI") under U.S. law. Medical Bill will handle PHI in accordance with the Health Insurance Portability and Accountability Act of 1996 (HIPAA) and its regulations, to the extent applicable, and any Business Associate Agreements (BAAs) we enter into with covered entities and subcontractors.
6.4 Prohibited Content
You agree not to upload or submit any content that is false, fraudulent, or intentionally misleading; harassing, threatening, or abusive; or malware or code designed to disrupt the Service.
7. Authorized Representative & Communications on Your Behalf
7.1 Authorization to Act
When you agree to our in-app Authorized Representative (AOR) and HIPAA Authorization guidelines, you appoint Medical Bill to act as your authorized representative for communicating with health insurers, providers, and billing companies; requesting information and claim files; submitting appeals, grievances, or complaints; and receiving responses related to those appeals.
7.2 Scope and Duration
The scope and duration of our authority will be defined by the text of the AOR/HIPAA forms you agree to in the app. You may revoke these authorizations in writing at any time, subject to our need to maintain records and comply with law.
7.3 E-SIGN Consent
You agree that your electronic signature, typed name, or tap-to-sign in the app has the same legal effect as a handwritten signature, and Medical Bill may affix your electronic signature to forms, letters, and other documents in order to submit appeals or complaints as you've authorized.
8. Use of AI, Automation, and Third-Party Services
8.1 AI Processing
Medical Bill uses artificial intelligence ("AI") and machine learning models to perform OCR on bills and documents, structure and analyze billing data, identify potential billing or insurance errors, and draft appeal letters and related documents.
8.2 Accuracy Limitations
AI and automated systems may generate errors, omissions, or incomplete interpretations. We do not guarantee that all errors will be found, that every flagged issue is correct, and you are encouraged to review any letters or submissions in the app.
8.3 Third-Party Vendors
To provide the Service, we may use third-party vendors, including cloud hosting providers, fax and mail providers, and others. These vendors are required by contract (and BAA where applicable) to protect PHI.
9. Privacy & Data Security
Our Privacy Policy, incorporated by reference into these Terms, describes how we collect, use, disclose, and safeguard your information. We implement reasonable administrative, technical, and physical safeguards including encryption in transit, access controls, and audit logging. However, no system is perfectly secure.
10. Subscription Plans, Fees & Payments
Medical Bill may offer different subscription plans and promotional trials. Plan details, pricing, and limits are described in the app. If purchased via Apple App Store or Google Play, billing is handled by those platforms under their own terms. Subscriptions automatically renew unless you cancel. We generally do not prorate or refund partial periods.
11. Acceptable Use & Prohibited Conduct
You agree not to:
- Use the Service for any unlawful purpose or to violate any law
- Provide false or fraudulent bills, identities, or information
- Attempt to access systems or data that are not yours
- Reverse engineer, decompile, or derive the source code of the Service
- Use automated means (bots, scrapers) to access the app without permission
- Bypass or attempt to bypass security or rate-limiting features
We may suspend or terminate your access if we believe you are violating these restrictions.
12. Intellectual Property
The Service, including all software, code, designs, logos, and content (excluding your User Content), is owned by Medical Bill and its licensors and is protected by copyright, trademark, and other laws.
Subject to these Terms, we grant you a limited, non-exclusive, non-transferable, revocable license to use the Medical Bill app on devices that you own or control solely for your personal, non-commercial use.
13. Termination
You may stop using the Service at any time and may request account deletion via the app or support@medicalbill.pro.
We may suspend or terminate your account at any time if you have violated these Terms, your use presents a security or legal risk, or we cease offering the Service. Upon termination, your right to use the Service ends. We may retain certain information as required by law.
14. Disclaimers
THE SERVICE IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS, WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY.
We specifically disclaim all warranties, including implied warranties of merchantability, fitness for a particular purpose, and non-infringement; any warranty that the Service will detect all billing errors or always be accurate; any warranty regarding the outcome of any appeal or dispute; and any warranty that the Service will be uninterrupted, secure, or error-free.
You remain solely responsible for reviewing any appeals or documents generated, deciding whether to proceed with filing, making payments to providers or insurers, and following up directly with insurers or providers as needed.
15. Limitation of Liability
To the fullest extent permitted by law, Medical Bill will not be liable for any indirect, incidental, consequential, special, punitive, or exemplary damages including loss of savings, loss of use or data, emotional distress, or claims by third parties.
Our total aggregate liability will not exceed the greater of the amount you paid to us in the twelve (12) months preceding the claim, or one hundred U.S. dollars ($100).
You acknowledge that these limitations are a fundamental part of the basis of the bargain between you and Medical Bill.
16. Indemnification
You agree to indemnify, defend, and hold harmless Medical Bill and its officers, directors, employees, contractors, and agents from and against any claims, liabilities, damages, losses, and expenses (including reasonable attorneys' fees) arising from your use of the Service, your User Content, your violation of these Terms, or any misrepresentation in the information you provide.
17. Dispute Resolution, Governing Law & Arbitration
These Terms are governed by the laws of the State of Delaware, without regard to its conflict of law principles, and applicable federal law.
Before bringing any formal claim, you agree to first contact us at support@medicalbill.pro and attempt to resolve the dispute informally.
Except where prohibited by law, any dispute will be resolved by binding arbitration on an individual basis. You and Medical Bill agree that each may bring claims only in individual capacity and not as a plaintiff or class member in any purported class or representative proceeding.
18. Changes to These Terms
We may update these Terms from time to time. When we do, we will revise the "Last Updated" date above. Your continued use of the Service after the effective date constitutes your acceptance of the updated Terms.
19. Contact Us
If you have questions about these Terms or the Service, you may contact us at:
Email: support@medicalbill.pro