Terms of Service

1. Acceptance of Terms

By accessing or using MyCareClaim's platform, you agree to be bound by these Terms of Service and our Privacy Policy. If you do not agree to these terms, you may not use our service.

2. Service Description

MyCareClaim provides AI-powered healthcare cost management and dispute resolution services, including:

• Medical bill analysis and error detection
• Professional dispute letter generation
• Insurance appeal assistance
• Healthcare cost transparency tools
• AI-powered healthcare question answering
• Document analysis and processing

Our service is designed to help users identify billing errors, generate professional dispute letters, and navigate healthcare billing challenges.

3. User Responsibilities

As a user of our service, you agree to:

• Provide Accurate Information: Supply truthful and complete information when creating your account and using our services
• Valid Healthcare Documents: Upload only legitimate healthcare documents that you own or have permission to analyze
• Legitimate Use: Use the service solely for legitimate healthcare cost management purposes
• Compliance: Comply with all applicable laws, regulations, and healthcare privacy requirements
• Account Security: Maintain the confidentiality and security of your account credentials
• Prohibited Activities: Not attempt to reverse engineer, hack, or misuse our AI systems or platform

4. Healthcare Information and HIPAA

We handle healthcare information with appropriate safeguards and in compliance with applicable privacy laws:

• Data Ownership: You retain ownership of your healthcare data and documents
• Privacy Protection: We implement appropriate technical and administrative safeguards
• No Medical Advice: We do not provide medical advice, diagnosis, or treatment recommendations
• User Verification: You are responsible for reviewing and verifying all AI-generated content before use
• Healthcare Provider Relationship: Our service does not replace the need for professional medical or legal advice

5. AI-Generated Content

Our platform uses artificial intelligence to analyze documents and generate content:

• AI Suggestions: All dispute letters, analysis, and recommendations are AI-generated suggestions
• User Review Required: You must review, verify, and customize all AI-generated content before use
• No Guarantees: We do not guarantee the accuracy, completeness, or effectiveness of AI-generated content
• User Responsibility: You assume full responsibility for any content you submit based on our AI suggestions
• Continuous Improvement: Our AI systems may be updated and improved over time

6. Payment and Subscription Terms

Our subscription service is governed by the following terms:

• Billing: Subscription fees are billed in advance on a monthly or yearly basis
• No Refunds: We do not provide refunds for partial subscription periods
• Price Changes: We may change pricing with 30 days' advance notice
• Coupon Codes: Promotional codes are subject to specific terms, conditions, and expiration dates
• Payment Processing: Payments are processed securely through third-party payment processors
• Automatic Renewal: Subscriptions automatically renew unless cancelled before the renewal date

7. Prohibited Uses

You may not use our service for:

• Fraudulent, illegal, or unauthorized activities
• Attempting to circumvent security measures or access controls
• Sharing account access with unauthorized users
• Uploading malicious software, viruses, or inappropriate content
• Reverse engineering or attempting to extract our proprietary algorithms
• Using the service to compete with or harm our business
• Violating any applicable laws or regulations

8. Intellectual Property

Intellectual property rights are governed as follows:

• User Data: You retain all rights to your healthcare documents and personal information
• Platform Ownership: MyCareClaim owns the platform, AI models, algorithms, and proprietary content
• Generated Templates: We own the rights to dispute letter templates and analysis frameworks
• Restrictions: You may not copy, distribute, or create derivative works of our proprietary content
• User Content: You grant us a limited license to process your documents for service delivery

9. Disclaimers and Limitations

Our service is provided with the following disclaimers:

• "As Is" Service: The service is provided "as is" without warranties of any kind
• No Outcome Guarantees: We do not guarantee specific results from dispute letters or analysis
• Third-Party Actions: We are not responsible for actions taken by healthcare providers, insurers, or other third parties
• Liability Limitation: Our maximum liability is limited to fees paid in the preceding 12 months
• Indirect Damages: We are not liable for indirect, incidental, or consequential damages
• Service Availability: We do not guarantee uninterrupted service availability

10. Termination

Termination of service is governed by the following terms:

• User Termination: You may cancel your subscription at any time through your account settings
• Company Termination: We may suspend or terminate accounts for violations of these terms
• Notice Period: Either party may terminate with 30 days' written notice
• Data Export: Upon termination, you may export your data within 30 days
• Surviving Provisions: Certain provisions (including intellectual property and liability limitations) survive termination

11. Dispute Resolution

Disputes are resolved according to the following terms:

• Governing Law: These terms are governed by the laws of Delaware
• Arbitration: Disputes will be resolved through binding arbitration rather than in court
• Class Action Waiver: You waive the right to participate in class action lawsuits
• Opt-Out Right: You may opt out of arbitration within 30 days of account creation
• Arbitration Process: Arbitration will be conducted by a neutral arbitrator in Delaware

12. Changes to Terms

We may update these terms as follows:

• Notice: We will provide notice of material changes via email or platform notification
• Continued Use: Continued use of the service constitutes acceptance of updated terms
• Material Changes: Significant changes may require explicit consent
• Effective Date: Changes become effective 30 days after notice

13. Contact Information

For questions about these Terms of Service, please contact us:

14. Severability

If any provision of these terms is found to be unenforceable, the remaining provisions will continue in full force and effect.

15. Entire Agreement

These Terms of Service, together with our Privacy Policy, constitute the entire agreement between you and MyCareClaim regarding the use of our service.