Refund Policy

1. Overview

This Refund Policy applies to all purchases made through claimcure.health. It is part of our Terms of Service and should be read alongside our Privacy Policy.

ClaimCure uses AI to generate custom appeal letters and analysis reports. Because our product is a digital service that is consumed immediately upon generation, we maintain specific refund policies for each service type as described below.

2. Consumer Appeals (One-Time Purchases)

When you click "Submit" and complete payment, our AI immediately begins processing your documents using computational resources. Once a letter has been successfully delivered, this process cannot be reversed. For this reason:

• We cannot offer refunds for successfully delivered AI generations on the basis that the appeal was ultimately unsuccessful with your insurer.
• We cannot "un-run" the analysis once the letter has been sent to your inbox.
• The success or failure of an appeal with your insurer is not within our control and is not grounds for a refund.

Price: The current price for a consumer appeal ($49 USD as of the date above) is displayed on the homepage and at checkout. You are informed of the final price before completing your purchase.

3. Exceptions — When We Will Issue a Refund

We will issue a full refund in circumstances including, but not limited to, the following:

Note: Dissatisfaction with the content, style, or strategy of a successfully generated appeal letter is not grounds for a refund, as the AI service was delivered as described.

4. Business Portal Subscriptions

4.1 Free Trial

New business accounts may receive a free trial period. No payment is required during the trial and no refund is applicable. If you do not wish to continue after the trial, simply do not subscribe to a paid plan.

4.2 Monthly Subscriptions

• Cancellation: You may cancel your subscription at any time. Cancellation takes effect at the end of your current billing period. You will retain access until the end of the period you have already paid for.
• No Partial Refunds: We do not issue prorated refunds for unused time remaining in a billing period after cancellation.
• Downgrade: If you switch to a lower-tier plan, the change takes effect at the start of your next billing period.

4.3 Subscription Exceptions

We may issue a refund or credit for subscription charges in the following cases:

• Extended outage: If the Service is unavailable for more than 72 consecutive hours due to an issue on our end (not a third-party outage), you may request a prorated credit.
• Billing error: If you were charged an incorrect amount due to a system error.
• Termination by ClaimCure without cause: If we terminate your subscription for reasons other than a violation of our Terms of Service, fraud, or non-payment, you will receive a prorated refund for the unused portion of your current billing period.

5. Free Audit

The Free Audit is provided at no cost. No payment is collected, and therefore no refund is applicable. If you wish to receive a full appeal letter after reviewing your free audit results, you may purchase the full service separately.

6. How to Request a Refund

If you believe you qualify for a refund under the exceptions listed above (including the 24-Hour Delivery Guarantee), please submit your request within 30 days of the transaction date:

1. Contact us at [email protected] with the subject line "Refund Request."
2. Include your Case ID (found in your confirmation email) and a description of the issue.
3. Provide evidence if applicable (e.g., screenshots of error messages, duplicate charge receipts).

We aim to respond to all refund requests within 3 business days. Requests submitted after the 30-day window will be reviewed on a case-by-case basis but are not guaranteed.

6.1 If Your Request Is Denied

If we deny your refund request, we will explain the reason in writing. You may respond once with additional information or context, and we will review your case again. Our second decision is final for purposes of our internal refund process; however, this does not waive any rights you have under applicable consumer protection law (see Section 9), nor does it affect your right to dispute the charge with your payment provider as a last resort. We encourage you to use our internal process first so we can resolve concerns quickly and without involving third parties.

7. Refund Processing

• Method: Approved refunds are processed through Stripe and returned to the original payment method used at checkout.
• Timeline: Refunds typically appear on your statement within 5–10 business days after approval, depending on your payment provider.
• Currency: Refunds are issued in the original currency of the transaction.

8. Chargebacks

We encourage you to contact us directly before initiating a chargeback with your bank or credit card company. We are committed to resolving legitimate issues promptly.

If you initiate a chargeback without first contacting us, we reserve the right to:

• Provide evidence to the payment processor that the service was delivered as described.
• Suspend your account pending resolution of the chargeback dispute.

9. Consumer Protection Rights

Nothing in this Refund Policy is intended to limit or exclude any consumer protection rights that you may have under applicable law, including but not limited to:

• Canada: Consumer protection legislation in British Columbia (BPCPA), Quebec (Consumer Protection Act), Ontario (CPA 2002), and other provinces may provide additional rights that cannot be waived by contract.
• California: California residents are entitled to any additional rights provided under the Consumers Legal Remedies Act (Cal. Civ. Code § 1750 et seq.) and the Unfair Competition Law (Cal. Bus. & Prof. Code § 17200 et seq.).
• Other US states: State consumer protection laws may provide additional remedies. Where this policy conflicts with applicable mandatory consumer protection law, the law prevails.

If you have concerns about consumer protection, please contact us and we will work to resolve the matter in good faith.

10. Changes to This Policy

We may update this Refund Policy from time to time. Changes will be posted on this page with an updated "Last Updated" date. Material changes will be communicated to registered users via email at least 30 days before taking effect. The policy in effect at the time of your purchase governs that transaction.

11. Contact Us

For refund requests or questions about this policy: