MedBillHero Terms of Service

1. Use of the Service

MedBillHero helps users understand and manage their medical bills by providing summaries, insights, and document support.

You must be at least 18 years old to use the service.

2. CMS Blue Button Consent

By connecting your Medicare account, you:

• Authorize us to access your health data via the CMS Blue Button API
• Understand this may include sensitive health information
• May revoke access at any time at medicare.gov

All access is logged and follows minimum necessary standards.

3. User Responsibilities

You agree to:

• Use the service only for lawful purposes
• Maintain confidentiality of your account and credentials
• Avoid uploading fraudulent or harmful content

4. Payment Terms (Future Feature)

If you purchase services in the future, payment will be processed by a third-party provider. We do not store your full payment details. You agree to abide by the third-party's terms of service.

5. Data and Content Rights

You retain full ownership of any content or documents you upload.

By using our service, you grant us a limited license to process this content solely to deliver our services to you.

6. Service Availability

We strive to provide uninterrupted access but cannot guarantee uptime. We reserve the right to change, suspend, or discontinue any feature without notice.

7. No Professional Advice

The information provided by MedBillHero is for informational purposes only and does not constitute medical, legal, or financial advice. Always consult a licensed professional regarding healthcare or billing concerns.

8. Limitation of Liability

MedBillHero is not responsible for decisions made based on insights or summaries provided.

To the fullest extent allowed by law, we disclaim all liability for indirect, incidental, or consequential damages.

9. Governing Law and Dispute Resolution

These Terms are governed by the laws of the State of Florida, without regard to conflict of law principles.

Any disputes shall be handled in the courts located in Miami-Dade County, Florida.

10. Changes to These Terms

We may update these Terms periodically. Material changes will be communicated via email or in-app notification. Your continued use of the service constitutes acceptance of the updated Terms.

11. Contact and Support

If you have any questions or concerns, reach out to:

12. HIPAA‑Compliant Email and Email Provider

We use Mailgun (a Sinch company) as our encrypted email provider under a signed Business Associate Agreement (BAA) compliant with HIPAA. By using our service, you consent to receive transactional emails (e.g., account notifications, appeal updates) via Mailgun's secure infrastructure. Please note that while email content is encrypted, Mailgun does not view or retain message contents after sending.