Terms of Service
Last updated: March 2026
1. Service Description
Health Bill Central provides AI-powered medical bill analysis tools including:
- Automated extraction and analysis of medical bill data
- Detection of potential billing errors (unbundling violations, duplicate charges, upcoding)
- Hospital financial assistance (charity care) eligibility screening
- AI-generated appeal letters, itemized bill requests, and financial assistance applications
- Educational content about medical billing and patient rights
- AI chat assistant for questions about your medical bills
2. Not Professional Advice
Health Bill Central is an educational and informational tool. Our analysis, letters, and content:
- Do NOT constitute legal, financial, or medical advice
- Are NOT a substitute for consultation with a qualified attorney, financial advisor, or healthcare professional
- Should be independently verified with your healthcare provider and billing department
- May not reflect your specific situation, state laws, or individual circumstances
You should always consult with a qualified professional before making decisions about your medical bills, financial situation, or legal rights.
3. User Accounts
- Creating an account requires a valid email address
- You are responsible for maintaining the security of your account
- You must provide accurate information when creating an account
4. Payments
- Some features require payment. Pricing is displayed before purchase.
- Payments are processed securely through a third-party provider. We do not store your payment information.
- Prices may change with notice.
- Not satisfied? Contact us at support@healthbillcentral.com for a full refund.
5. Acceptable Use
You agree not to:
- Upload content that is not a medical bill or healthcare-related document
- Use the service for fraudulent purposes
- Attempt to reverse-engineer our analysis algorithms
- Share your account credentials with others
- Use automated tools to access the service without permission
6. Intellectual Property
- Our platform, tools, algorithms, and educational content are owned by Health Bill Central
- Letters and analysis reports generated for you are yours to use
- You retain ownership of your uploaded documents
7. Limitation of Liability
- Health Bill Central provides tools and information on an "as is" basis
- We do not guarantee the accuracy, completeness, or effectiveness of our analysis
- We are not liable for decisions you make based on our analysis or content
- Our maximum liability is limited to the amount you paid for the specific service
- We are not responsible for outcomes of disputes with healthcare providers or insurers
8. Data & Privacy
Your use of Health Bill Central is also governed by our Privacy Policy. By using our service, you consent to the collection and use of data as described in our Privacy Policy.
9. Modifications
We reserve the right to modify these terms at any time. Continued use of the service after changes constitutes acceptance of the modified terms. We will notify users of significant changes via email or website notice.
10. Governing Law
These terms are governed by the laws of the State of Delaware, United States.
11. Contact
For questions about these terms, contact us at:
- Email: support@healthbillcentral.com
- Address: Apex Digital Properties, 192 Bear Christiana Rd #2150, Bear, DE 19701, United States