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Terms of Service

Last Updated: December 2024

1. Acceptance of Terms

By accessing or using InsuranceAppeal.ai ("the Service"), you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use our Service.

2. Description of Service

InsuranceAppeal.ai provides an AI-powered tool that helps users understand insurance denial letters and generates draft appeal letters. The Service includes:

  • Analysis of insurance denial letter content
  • Plain-English explanations of denial reasons
  • Action checklists for next steps
  • Draft appeal letter generation

3. Important Disclaimers

3.1 Not Legal or Medical Advice

THE SERVICE DOES NOT PROVIDE LEGAL, MEDICAL, OR PROFESSIONAL ADVICE. All content generated by our tool is for educational and informational purposes only. The Service is designed to help you understand insurance paperwork and organize your thoughts—it is not a substitute for professional legal counsel or medical advice.

3.2 No Guarantee of Outcomes

We do not guarantee that using our Service will result in a successful appeal or claim approval. Insurance decisions are made by insurance companies, and outcomes depend on many factors beyond our control.

3.3 Independent Tool

InsuranceAppeal.ai is not affiliated with, endorsed by, or connected to any insurance company, healthcare provider, or government agency.

4. User Responsibilities

By using the Service, you agree to:

  • Provide accurate information about your denial letter
  • Review and customize any generated content before sending
  • Take responsibility for the accuracy of information you submit to insurance companies
  • Consult with qualified professionals when needed
  • Use the Service only for lawful purposes
  • Not misrepresent our generated content as professional legal or medical advice

5. Accuracy and Reliability

While we strive to provide helpful and accurate analysis, our AI-powered tool:

  • May occasionally produce errors or inaccuracies
  • Should not be relied upon as the sole source of information
  • Requires user review and verification before use
  • Cannot account for all individual circumstances

Always review generated content carefully and verify important details independently.

6. Intellectual Property

The Service, including its design, features, and content (excluding user-submitted content), is owned by InsuranceAppeal.ai and protected by intellectual property laws.

Content generated for you by our tool (such as appeal letters) is yours to use as you see fit for personal, non-commercial purposes related to your insurance appeals.

7. Privacy

Your use of the Service is also governed by our Privacy Policy, which describes how we collect, use, and protect your information.

8. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW:

  • The Service is provided "as is" without warranties of any kind
  • We disclaim all warranties, express or implied, including merchantability and fitness for a particular purpose
  • We are not liable for any indirect, incidental, special, or consequential damages
  • Our total liability shall not exceed the amount you paid for the Service (if any)

9. Indemnification

You agree to indemnify and hold harmless InsuranceAppeal.ai, its officers, directors, employees, and agents from any claims, damages, losses, or expenses arising from your use of the Service or violation of these Terms.

10. Modifications to Service

We reserve the right to modify, suspend, or discontinue the Service at any time without notice. We may also update these Terms from time to time. Continued use of the Service after changes constitutes acceptance of the new Terms.

11. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the United States, without regard to conflict of law principles.

12. Contact Information

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

Email: legal@insuranceappeal.ai

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