Legal

Terms of Service

Effective date: March 2026

What Bill Advantage is

Bill Advantage is a document literacy platform. We help individuals understand healthcare billing documents, identify potential errors, and draft correspondence to insurers and providers. We are not attorneys, physicians, or licensed patient advocates. We do not provide legal advice, medical advice, or financial advice.

Accepting these terms

By using Bill Advantage, submitting a document, or requesting an analysis, you agree to be bound by these Terms of Service and our Privacy Policy. If you do not agree, do not use the service.

Your responsibilities

By submitting a document, you represent and warrant that:

• You are the patient, the patient's authorized representative, or otherwise have the right to share the document
• You are 18 years of age or older
• You will not submit documents on behalf of others without their knowledge and consent
• You understand the analysis is informational only and does not create a professional relationship of any kind

What we do not guarantee

Bill Advantage makes no guarantees about:

• The accuracy or completeness of any analysis
• The outcome of any dispute, appeal, or claim you file using our output
• Whether any letter we draft will be accepted or acted upon by any insurer, provider, or government agency
• Whether the information we provide is current, as billing codes, regulations, and payer policies change frequently

Billing codes, regulatory citations, and payer-specific rules should be verified at cms.gov or with a qualified professional before you act on them.

No professional relationship

Using Bill Advantage does not create an attorney-client relationship, a patient-provider relationship, or any other professional relationship. We are a document literacy tool. Our output is information, not advice.

Limitation of liability

To the maximum extent permitted by law, Bill Advantage and its operators shall not be liable for any direct, indirect, incidental, consequential, or special damages arising from your use of the service or reliance on any analysis or letter produced by the service. Your use of Bill Advantage is at your own risk.

Intellectual property

The analyses and letters we produce for you are yours to use. The Bill Advantage platform, design, prompts, and underlying system are owned by Bill Advantage and may not be copied or reproduced.

Prohibited use

You may not use Bill Advantage to:

• Submit documents you do not have the right to share
• Attempt to extract, reverse-engineer, or replicate our analysis methodology
• Submit false or fabricated documents
• Use the service for any unlawful purpose

Governing law

These terms are governed by the laws of the State of Iowa, without regard to conflict of law provisions.

Changes to these terms

We may update these terms from time to time. Material changes will be reflected in the effective date at the top of this page. Continued use of the service after changes constitutes acceptance.

Contact

Questions about these terms: hello@billadvantage.com