Terms of Service

1. Acceptance

By using MediBill Saver (the "Service") you agree to these Terms. If you do not agree, do not use the Service.

2. What the Service Is — and Isn't

MediBill Saver is an informational self-help tool. It uses AI to analyze medical bills you upload, flag potential errors or overcharges, estimate fair market rates, and generate a dispute letter template for your review.

The Service is not:

• Legal advice or legal representation
• Medical advice or a substitute for a healthcare provider
• Financial, tax, or insurance advice
• A substitute for a professional medical billing advocate
• A guarantee that you will reduce or eliminate any charge

Results are estimates produced by an AI model. Always review output carefully before acting on it.

3. Your Responsibilities

• You upload only bills you are authorized to share (your own, or someone who has granted you permission).
• You do not upload content that is illegal, infringes rights, or contains data you are contractually prohibited from sharing.
• You review the AI output, dispute letter, and any suggestions before sending them to a provider, insurer, or third party.
• You are responsible for any communication you send based on output from the Service.

4. Paid Features & Refund Policy

The free preliminary audit is shown at no charge. Paid features are processed by Stripe.

Single audit ($19.97 one-time): backed by a 30-day money-back guarantee. To request a refund, email billing@medibillsaver.com within 30 days of purchase with the subject “Refund Request” and the four required fields (purchase email, last-4 of card, payment date, dollar amount). Approved refunds are processed within 10 business days.

Family Plan ($67/month) and Pro Plan ($197/month): subscriptions billed monthly through Stripe. Cancel anytime through the customer portal — cancellation stops future renewals at the end of the current billing cycle. There is no long-term contract. Past payments are not refunded.

If the Service fails to deliver a paid feature you have already paid for due to a technical fault on our side, contact billing@medibillsaver.com for a refund regardless of plan or timing.

5. Third-Party AI Processing

Bills you upload are sent to Google Gemini (paid tier), a third-party AI service. Google has contractually committed not to use paid-tier inputs to train its models. See our Privacy Policy for details.

6. Disclaimers

The Service is provided "as is" and "as available" without warranties of any kind, express or implied, including merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that the Service will be uninterrupted, error-free, or that AI output will be accurate, complete, or suitable for your situation.

7. Limitation of Liability

To the maximum extent permitted by law, MediBill Saver and its operators are not liable for any indirect, incidental, consequential, special, or exemplary damages, or for any loss of profits, revenue, data, or goodwill, arising from your use of the Service. Our total liability to you for any claim arising from the Service is limited to the greater of (a) the amount you paid us in the 12 months preceding the claim, or (b) $100.

8. Indemnification

You agree to indemnify and hold harmless MediBill Saver, its operators, affiliates, and contractors from any claim or demand, including reasonable attorneys' fees, arising out of your use of the Service, your violation of these Terms, or your violation of any rights of a third party.

9. Changes to These Terms

We may update these Terms from time to time. Material changes will be noted on this page with a new "Last updated" date. Continued use of the Service after changes constitutes acceptance of the new Terms.

10. Governing Law

These Terms are governed by the laws of the United States and the state in which MediBill Saver is organized, without regard to conflict-of-law principles. Any dispute will be resolved in the state or federal courts located in that jurisdiction.

11. Contact

Questions? Email support@medibillsaver.com.