QUICK SUMMARY (the full terms are below — please read them too) • Don't upload your name, SSN, date of birth, insurance ID, or account numbers. CPT/billing codes, charges, and dates are fine. • BillVerify LLC is NOT HIPAA-compliant, and is not a law firm, medical provider, or financial advisor. • Every audit, letter, and script is AI-generated — review it yourself before sending or relying on it. • You're responsible for what you submit, and BillVerify doesn't guarantee any dispute outcome. ──────────────────────────────────────── ⚖️ SAFE HARBOR NOTICE BillVerify LLC provides AI-powered tools to help you understand, review, and dispute bills. We are NOT a law firm, debt relief agency, medical practice, or financial advisor. Nothing generated by BillVerify constitutes legal, financial, medical, or professional advice. Results are not guaranteed. Always consult a licensed professional before making decisions with legal, financial, or medical consequences. SECTION 1 — ARTIFICIAL INTELLIGENCE DISCLAIMER Your audit, score, dispute letters, negotiation scripts, corrected invoices, and every other output are generated by artificial intelligence. AI systems are probabilistic: they can misread your bill, misinterpret charges, or produce inaccurate, incomplete, outdated, or invented ("hallucinated") information. You must independently review and verify every output before relying on it, sending it to a provider or insurer, or making any financial decision based on it. BillVerify LLC disclaims all liability for inaccuracies, errors, or omissions in AI-generated content. SECTION 2 — EDUCATIONAL GUIDANCE ONLY Everything BillVerify provides — audits, scores, dispute letters, negotiation scripts, Know Your Rights content, and financial-aid guidance — is for general educational purposes only. Using BillVerify does not create an attorney-client, accountant-client, or medical-provider relationship of any kind. No professional relationship is created. SECTION 3 — DO NOT ENTER PERSONAL INFORMATION BillVerify LLC is NOT HIPAA-compliant. Before uploading, remove: ✂ Full name · Date of birth · SSN ✂ Insurance/Member ID · Account number · Diagnosis codes Safe to include: CPT/billing codes, charge amounts, service dates, totals. SECTION 4 — YOUR RESPONSIBILITY FOR INFORMATION YOU SUBMIT You are solely responsible for everything you type, upload, or submit to BillVerify, and for redacting your own personal information before doing so. You confirm you have the legal right to submit and dispute the bill in question. BillVerify does not verify the accuracy, completeness, or legality of anything you submit, and any misrepresentation or omission is your responsibility alone. You will not hold BillVerify LLC liable for information you choose to submit. SECTION 5 — NO LIABILITY FOR THIRD-PARTY OUTCOMES Any calls, letters, disputes, or appeals you send using BillVerify's tools are sent by YOU, not by BillVerify — we do not contact providers, insurers, or collection agencies on your behalf. We cannot guarantee that any provider, insurer, or third party will respond, agree to a reduction, honor a dispute, or take any particular action. BillVerify LLC disclaims all liability for the actions, inaction, delays, or decisions of any third party, including outcomes affected by leaked, inaccurate, or misrepresented information from any source outside our control. SECTION 6 — DISCLAIMER OF WARRANTIES BillVerify is provided "AS IS" and "AS AVAILABLE," without warranties of any kind, whether express or implied, including warranties of merchantability, fitness for a particular purpose, accuracy, or non-infringement. We do not warrant that the Service will be uninterrupted or error-free, or that any savings, dispute, or outcome will result from your use of it. SECTION 7 — LIMITATION OF LIABILITY To the maximum extent permitted by law, BillVerify LLC, its owners, employees, and affiliates shall NOT be liable for any indirect, incidental, special, consequential, or punitive damages, or for any loss of savings, revenue, data, or goodwill, arising from your use of — or inability to use — the Service, from any misinformation, error, or omission (whether AI-generated, user-submitted, or from a third party), or from any data disclosure, leak, or breach not caused by our gross negligence — even if we were advised of the possibility of such damages. Our total aggregate liability for any claim relating to your use of BillVerify shall not exceed the amount you paid BillVerify LLC in the 3 months before the claim arose, or $100, whichever is greater. This limitation does not apply where prohibited by law, or to liability arising from our own fraud or gross negligence. SECTION 8 — INDEMNIFICATION You agree to indemnify and hold harmless BillVerify LLC from any claims, damages, losses, or expenses (including reasonable attorneys' fees) arising from your use of the Service, your violation of these Terms, or your submission of inaccurate, unlawful, or unauthorized information. SECTION 9 — DATA PROCESSING Bill text you submit is sent to a third-party AI API for processing and is not permanently stored on our servers. Your audit history is stored locally in your browser. Limited purchase and access records, such as your plan, usage status, and Stripe checkout identifiers, are stored server-side so BillVerify can verify paid access and process eligible refunds. BillVerify does not maintain a server-side database of the bill text you submit. We do not sell the bill information you submit for marketing. Bill content is sent to a third-party AI provider when needed to perform the requested analysis. SECTION 10 — PAYMENTS AND REFUNDS Payments are processed by Stripe, Inc. BillVerify offers a 30-day money-back guarantee on paid purchases. Eligible customers may request a full refund within 30 days of the original purchase through BillVerify's self-service refund tool. A completed refund ends access associated with that purchase. For subscription plans, a completed refund also cancels future renewal of the refunded subscription. Refunds outside the 30-day window are provided only when required by applicable law. SECTION 11 — GOVERNING LAW These Terms are governed by the laws of the state in which BillVerify LLC is organized and registered to do business, without regard to conflict-of-law principles, except where your local consumer-protection law grants you additional rights that cannot be waived. SECTION 12 — CHANGES TO THESE TERMS We may update these Terms at any time. Continued use of BillVerify after changes take effect constitutes your acceptance of the revised Terms. By clicking "I Agree" you confirm you have read and agreed to all terms above. This is legally binding.

⚖️ SAFE HARBOR NOTICE BillVerify LLC provides AI-powered tools to help you understand, review, and dispute bills. We are NOT a law firm, debt relief agency, medical practice, or financial advisor. Nothing generated by BillVerify constitutes legal, financial, medical, or professional advice. Results are not guaranteed. Always consult a licensed professional before making decisions with legal, financial, or medical consequences. SECTION 1 — ARTIFICIAL INTELLIGENCE DISCLAIMER Your audit, score, dispute letters, negotiation scripts, corrected invoices, and every other output are generated by artificial intelligence. AI systems are probabilistic: they can misread your bill, misinterpret charges, or produce inaccurate, incomplete, outdated, or invented ("hallucinated") information. You must independently review and verify every output before relying on it, sending it to a provider or insurer, or making any financial decision based on it. BillVerify LLC disclaims all liability for inaccuracies, errors, or omissions in AI-generated content. SECTION 2 — EDUCATIONAL GUIDANCE ONLY Everything BillVerify provides — audits, scores, dispute letters, negotiation scripts, Know Your Rights content, and financial-aid guidance — is for general educational purposes only. Using BillVerify does not create an attorney-client, accountant-client, or medical-provider relationship of any kind. No professional relationship is created. SECTION 3 — DO NOT ENTER PERSONAL INFORMATION BillVerify LLC is NOT HIPAA-compliant. Before uploading, remove: ✂ Full name · Date of birth · SSN ✂ Insurance/Member ID · Account number · Diagnosis codes Safe to include: CPT/billing codes, charge amounts, service dates, totals. SECTION 4 — YOUR RESPONSIBILITY FOR INFORMATION YOU SUBMIT You are solely responsible for everything you type, upload, or submit to BillVerify, and for redacting your own personal information before doing so. You confirm you have the legal right to submit and dispute the bill in question. BillVerify does not verify the accuracy, completeness, or legality of anything you submit, and any misrepresentation or omission is your responsibility alone. You will not hold BillVerify LLC liable for information you choose to submit. SECTION 5 — NO LIABILITY FOR THIRD-PARTY OUTCOMES Any calls, letters, disputes, or appeals you send using BillVerify's tools are sent by YOU, not by BillVerify — we do not contact providers, insurers, or collection agencies on your behalf. We cannot guarantee that any provider, insurer, or third party will respond, agree to a reduction, honor a dispute, or take any particular action. BillVerify LLC disclaims all liability for the actions, inaction, delays, or decisions of any third party, including outcomes affected by leaked, inaccurate, or misrepresented information from any source outside our control. SECTION 6 — DISCLAIMER OF WARRANTIES BillVerify is provided "AS IS" and "AS AVAILABLE," without warranties of any kind, whether express or implied, including warranties of merchantability, fitness for a particular purpose, accuracy, or non-infringement. We do not warrant that the Service will be uninterrupted or error-free, or that any savings, dispute, or outcome will result from your use of it. SECTION 7 — LIMITATION OF LIABILITY To the maximum extent permitted by law, BillVerify LLC, its owners, employees, and affiliates shall NOT be liable for any indirect, incidental, special, consequential, or punitive damages, or for any loss of savings, revenue, data, or goodwill, arising from your use of — or inability to use — the Service, from any misinformation, error, or omission (whether AI-generated, user-submitted, or from a third party), or from any data disclosure, leak, or breach not caused by our gross negligence — even if we were advised of the possibility of such damages. Our total aggregate liability for any claim relating to your use of BillVerify shall not exceed the amount you paid BillVerify LLC in the 3 months before the claim arose, or $100, whichever is greater. This limitation does not apply where prohibited by law, or to liability arising from our own fraud or gross negligence. SECTION 8 — INDEMNIFICATION You agree to indemnify and hold harmless BillVerify LLC from any claims, damages, losses, or expenses (including reasonable attorneys' fees) arising from your use of the Service, your violation of these Terms, or your submission of inaccurate, unlawful, or unauthorized information. SECTION 9 — DATA PROCESSING Bill text you submit is sent to a third-party AI API for processing and is not permanently stored on our servers. Your audit history is stored locally in your browser. Limited purchase and access records, such as your plan, usage status, and Stripe checkout identifiers, are stored server-side so BillVerify can verify paid access and process eligible refunds. BillVerify does not maintain a server-side database of the bill text you submit. We do not sell the bill information you submit for marketing. Bill content is sent to a third-party AI provider when needed to perform the requested analysis. SECTION 10 — PAYMENTS AND REFUNDS Payments are processed by Stripe, Inc. BillVerify offers a 30-day money-back guarantee on paid purchases. Eligible customers may request a full refund within 30 days of the original purchase through BillVerify's self-service refund tool. A completed refund ends access associated with that purchase. For subscription plans, a completed refund also cancels future renewal of the refunded subscription. Refunds outside the 30-day window are provided only when required by applicable law. SECTION 11 — GOVERNING LAW These Terms are governed by the laws of the state in which BillVerify LLC is organized and registered to do business, without regard to conflict-of-law principles, except where your local consumer-protection law grants you additional rights that cannot be waived. SECTION 12 — CHANGES TO THESE TERMS We may update these Terms at any time. Continued use of BillVerify after changes take effect constitutes your acceptance of the revised Terms. By clicking "I Agree" you confirm you have read and agreed to all terms above. This is legally binding.