Terms of Service

1. About This Service

Medical Bill Audit (“we,” “our,” or “the Service”) is operated by FairBilling.org and helps patients identify potential errors in medical bills, explanations of benefits (EOBs), and itemized statements. By accessing or using the Service, you agree to these Terms of Service.

2. Not Medical or Legal Advice

The Service provides informational analysis only. Nothing produced by the Service constitutes medical advice, legal advice, or a guarantee of billing accuracy. Findings are generated using automated analysis and should be independently verified with your provider, insurer, or a licensed professional before taking any action.

We do not guarantee that every error identified is a billing error, or that every billing error will be identified. The Service is a decision-support tool, not a substitute for professional judgment.

3. Eligibility

You must be at least 18 years old to use the Service. By using the Service, you represent that you are the patient named on the bill, an authorized representative of that patient, or otherwise have a lawful right to submit and analyze the documents you upload.

4. Document Uploads & PHI

Documents you upload may contain protected health information (PHI). By default, we do not store your documents or their contents — everything is discarded once your analysis report is generated. As a safeguard during processing, personal identifiers (provider names, addresses, and similar fields) are masked before the document is analyzed.

If you opt in to the FairBilling Hospital Score contribution program, certain de-identified provider and billing facts may be retained as described in our Privacy Policy. We never store your name, address, Social Security number, member ID, or other direct patient identifiers.

5. Acceptable Use

You agree not to:

• Upload documents you do not have the right to share
• Attempt to reverse-engineer, scrape, or systematically extract data from the Service
• Use the Service for any unlawful purpose or in violation of any applicable regulation
• Interfere with or disrupt the integrity or performance of the Service
• Submit false, misleading, or fraudulent information

6. Advocacy Services

If you choose to engage our advocacy service, a separate authorization agreement governs that relationship and will be presented for your e-signature at that time.

7. Intellectual Property

All software, analysis logic, UI, and content comprising the Service are the property of FairBilling.org or its licensors. You may not copy, reproduce, or create derivative works from any part of the Service without our prior written permission.

Analysis reports generated for you are yours to use for personal, non-commercial purposes related to resolving your own medical billing disputes.

8. Disclaimer of Warranties

The Service is provided “as is” and “as available” without warranties of any kind, express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, or non-infringement. We do not warrant that the Service will be error-free, uninterrupted, or that any specific billing error will be detected.

9. Limitation of Liability

To the fullest extent permitted by law, FairBilling.org and its affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of or inability to use the Service, even if advised of the possibility of such damages. Our total liability for any claim arising out of these Terms shall not exceed the amount you paid us for the report unlock that gave rise to the claim, or $5, whichever is greater.

10. Privacy

Your use of the Service is also governed by our Privacy Policy, which is incorporated into these Terms by reference.

11. Changes to These Terms

We may update these Terms from time to time. When we do, we will update the effective date above and, for material changes, notify you via email or an in-app notice. Continued use of the Service after the effective date constitutes acceptance of the revised Terms.

12. Governing Law

These Terms are governed by the laws of the State of California, without regard to its conflict-of-law provisions. Any disputes arising under these Terms shall be resolved in the state or federal courts located in California.

13. Contact

Questions about these Terms? Reach us through our contact page or email us at legal@fairbilling.org.