Terms of Service

1. Agreement to Terms

These Terms of Service ("Terms") constitute a legally binding agreement between you ("you" or "User") and ClaimCure Health Technologies Inc. ("ClaimCure," "we," "us," or "our"), a federally incorporated Canadian company operating the website claimcure.health (the "Service").

By accessing or using the Service, you agree to be bound by these Terms, our Privacy Policy, and our Refund Policy, all of which are incorporated by reference.

If you are using the Service on behalf of a business, organization, or other entity, you represent that you have the authority to bind that entity to these Terms.

2. Eligibility

You must be at least 18 years of age (or the age of majority in your jurisdiction) to use the Service. By using the Service, you represent and warrant that you meet this requirement. The Service is available to users in the United States and Canada.

3. Description of Service

ClaimCure provides AI-powered analysis and drafting tools to help users generate appeal letters for denied health insurance claims. The Service includes:

• Consumer Appeals: One-time paid service where users upload denial documents and receive an AI-generated appeal letter.
• Free Audit: A complimentary analysis identifying potential appeal grounds (limited scope compared to the full service).
• Business Portal: A subscription-based platform for healthcare providers and billing companies to process appeals in bulk.
• Support Chatbot: An AI-powered assistant for general questions about the appeal process and case status inquiries.

4. Not Medical or Legal Advice

You understand and agree that:

• No Professional Relationship: Use of the Service does not create an attorney-client, doctor-patient, or any other professional relationship between you and ClaimCure.
• No Legal or Medical Advice: All outputs generated by the Service are for informational purposes only and should not be construed as legal advice, medical advice, or a substitute for professional consultation.
• AI Limitations: Our AI may produce inaccurate, incomplete, or inappropriate content. AI can "hallucinate" (generate plausible-sounding but incorrect information). You are solely responsible for reviewing, verifying, and editing all AI-generated content before using it.
• Human Review Required: You warrant that a qualified person will review all generated appeal letters before submitting them to any insurer, government agency, or other party.
• No Outcome Guarantees: We do not guarantee that any appeal will be successful. Claim denial outcomes depend on many factors outside our control, including insurer policies, applicable law, and the specifics of your case.
• Emergency Exclusion: You shall NOT use this Service for appeals related to life-threatening conditions, emergency surgery, or time-critical care where any delay could result in bodily harm. If you are experiencing a medical emergency, call 911 (US) or your local emergency number immediately.

5. User Accounts (Business Portal)

To access the Business Portal, you must create an account. You agree to:

• Provide accurate, current, and complete information during registration.
• Maintain the security of your password and account credentials.
• Promptly notify us of any unauthorized access to your account.
• Accept responsibility for all activity that occurs under your account.

We reserve the right to suspend or terminate accounts that violate these Terms, remain inactive for an extended period, or are suspected of fraudulent activity.

6. Business Subscriptions

6.1 Plans and Pricing

The Business Portal is offered on a monthly subscription basis with tiered plans (Starter, Professional, Enterprise). Current pricing is displayed on our website and may be updated from time to time. We will provide at least 30 days' notice before any price increase takes effect for existing subscribers.

6.2 Free Trial

New business accounts may receive a free trial period. During the trial, you may use the Service up to the trial appeal limit. At the end of the trial period, you must select a paid plan to continue using the Service. We reserve the right to limit trial access to one trial per organization.

6.3 Billing and Renewal

Subscriptions are billed monthly through our payment processor (Stripe). By subscribing, you authorize recurring charges to your payment method. Subscriptions automatically renew unless cancelled before the end of the current billing period.

6.4 Cancellation

You may cancel your subscription at any time through your account settings or by contacting us. Cancellation takes effect at the end of the current billing period. You will retain access to the Service until the end of the period you have already paid for. See our Refund Policy for details.

6.5 24-Hour Delivery Guarantee (Consumer Appeals)

For one-time consumer appeal purchases ($49 USD as of the date above), ClaimCure offers a 24-Hour Delivery Guarantee as defined in this Section 6.5. This guarantee is the only delivery-time commitment ClaimCure makes for consumer appeals; any marketing copy referring to "same-day," "today," or other speed claims is governed by the definitions in this Section.

The promise: ClaimCure will send your appeal letter to the email address you provided at checkout within 24 hours of payment confirmation. Most letters are sent within minutes.

Definitions:

• "Send" means that ClaimCure has successfully transmitted the appeal letter to its third-party email service provider (currently SendGrid, Inc.) for onward delivery to the email address you provided at checkout. The guarantee is satisfied at the moment of successful transmission to the email service provider, regardless of whether or when the letter subsequently arrives in your inbox.
• "Payment confirmation" means the timestamp at which ClaimCure receives a successful payment_intent.succeeded webhook event from Stripe, Inc. for your purchase. This is typically within seconds of your completing checkout.
• "24 hours" means twenty-four (24) consecutive hours measured from the timestamp of payment confirmation as defined above. The guarantee is jurisdictionally neutral with respect to your local time zone.

If we miss the window: If ClaimCure fails to send the letter within 24 hours of payment confirmation as defined above, you may request a full refund by emailing [email protected] with your Case ID and we will issue the refund subject to verification of your purchase. Refunds are processed via Stripe and typically settle in your bank account within 5–10 business days. The procedural terms for refund requests, including denial and review process, are in Section 6 of our Refund Policy.

Scope and limitations of the guarantee:

• The guarantee covers send time only. It does not guarantee that the letter will arrive in your inbox at any particular time or at all. Once we have transmitted the letter to our email service provider, factors outside our reasonable control determine whether and when it appears in your inbox.
• The guarantee does not cover failures caused by factors outside our control, including but not limited to: an incorrect or mistyped email address provided at checkout; an inbox that is full or otherwise unable to accept mail; recipient-side spam filters, corporate firewalls, or data-loss-prevention (DLP) systems that quarantine, block, or delay the message; outages at your email provider; or domain-level mail rejection at your organization. If you do not see the letter in your inbox, please check your spam/junk folder for an email from [email protected] and add that address to your contacts before contacting support. If your search is unsuccessful, contact [email protected] with your Case ID and we will, at our discretion or yours where the guarantee applies, re-send the letter or refund the purchase.
• The guarantee does not cover the success, accuracy, persuasiveness, or outcome of the appeal with your insurer. ClaimCure does not guarantee any particular outcome (see Section 5).
• The guarantee does not apply to: (a) the free denial audit; (b) business portal subscriptions or any service consumed through the business portal; (c) any re-generation, re-send, or courtesy service provided after the initial send; or (d) any service other than the one-time consumer appeal purchase.
• Refund requests under this guarantee must be submitted within 30 days of the original purchase date.

Effective date and retroactivity: This guarantee applies to one-time consumer appeal purchases made on or after April 12, 2026. Customers who purchased before this date are entitled to all remedies described in the version of the Refund Policy and Terms of Service in effect at the time of their purchase.

The procedural terms of this guarantee are set out in our Refund Policy, which is incorporated by reference into these Terms. Nothing in this Section 6.5 limits any consumer protection rights you may have under applicable mandatory law (see Section 6.4 of the Refund Policy and Section 9 of these Terms).

7. Payments

• Payment Processing: All payments are processed securely by Stripe, Inc. ClaimCure does not store your credit card number or payment card details.
• Currency: Prices are displayed in US Dollars (USD) unless otherwise indicated.
• Taxes: You are responsible for any applicable sales tax, GST, HST, PST, or other taxes imposed by your jurisdiction. Taxes may be calculated and added at checkout.
• Failed Payments: If a payment fails, we may suspend your access to the Service until payment is successfully processed.
• Refunds: Refunds are governed by our Refund Policy.

8. User Content and Data

8.1 Your Content

You retain all ownership rights in the documents, notes, and other materials you upload to the Service ("User Content"). By uploading User Content, you grant ClaimCure a limited, non-exclusive, non-transferable license to process your content for the purpose of providing the Service and, using aggregate de-identified data only, for improving the quality and accuracy of the Service. We will not use your identifiable User Content for any purpose other than delivering your requested service.

8.2 Warrant of Authority

If you upload documents containing another person's personal or health information (e.g., a family member or patient), you represent and warrant that you have obtained all necessary legal consents and authorizations to share that information with ClaimCure. You agree to indemnify ClaimCure against any claims arising from unauthorized data sharing.

8.3 Cross-Border Data Processing

By using the Service, you acknowledge and consent to the processing of your uploaded documents and notes by AI models via AWS Bedrock, which may involve transient processing on servers located in the United States. All data is stored exclusively in Canada. AI inference data is not retained, stored, or used for model training by AWS or its model providers. For full details, see Section 9 of our Privacy Policy.

8.4 AI-Generated Output

Appeal letters and other content generated by our AI based on your User Content ("Output") are provided to you for your personal or business use. You may use, modify, and submit the Output as you see fit. ClaimCure does not claim ownership of Output generated from your User Content.

8.5 Data Deletion

Consumer User Content (uploaded documents, case records, and generated appeals) is automatically and permanently deleted within 48 hours of upload, as described in our Privacy Policy. Consumer data is excluded from all system backups, meaning once the 48-hour deletion occurs, no copies of your content remain on any system. Business portal data is retained for the duration of your active account.

Re-Generation Policy: If you are unable to access your appeal letter due to technical issues (e.g., email delivery failure, accidental deletion), ClaimCure may, at its sole discretion, allow you to re-upload your denial letter for re-generation within a reasonable timeframe. This is a courtesy service, not a guaranteed right, and is subject to verification of your original purchase and our determination that the request is legitimate and not an attempt to circumvent our single-use service model. We reserve the right to deny re-generation requests for any reason, including suspected abuse or requests made outside a reasonable timeframe.

9. Acceptable Use

You agree NOT to:

• Use the Service for any unlawful purpose or in violation of any applicable law.
• Upload false, fabricated, or fraudulent documents or information.
• Submit appeals for claims you know to be legitimately denied or fraudulent.
• Reverse engineer, decompile, disassemble, or scrape the Service or its underlying technology.
• Use the Service to develop, train, or improve a competing AI product or service.
• Share, sell, or transfer your account credentials to unauthorized third parties.
• Attempt to bypass security measures, rate limits, or access controls.
• Use automated tools (bots, scrapers) to access the Service without our written permission.
• Interfere with or disrupt the Service, servers, or networks connected to the Service.
• Misrepresent AI-generated output as having been prepared by a licensed professional (attorney, physician) unless a licensed professional has reviewed and adopted the content.

Violation of this section may result in immediate account termination and may entitle ClaimCure to seek injunctive relief and damages.

10. Intellectual Property

10.1 Our IP

The Service, including its software, algorithms, user interface, design, text, graphics, logos, and trademarks, is owned by ClaimCure and protected by Canadian, US, and international intellectual property laws. Nothing in these Terms grants you any right to use ClaimCure's trademarks, logos, or branding without our prior written consent.

10.2 Feedback

If you provide suggestions, ideas, or feedback about the Service ("Feedback"), you grant ClaimCure a perpetual, worldwide, royalty-free, irrevocable license to use, modify, and incorporate that Feedback into the Service without obligation to you. You are not required to provide Feedback.

11. Third-Party Services

The Service integrates with or relies on third-party services, including but not limited to Stripe (payment processing), Amazon Web Services (infrastructure and AI), and Google Analytics (website analytics). Your use of these third-party services is subject to their respective terms and privacy policies. ClaimCure is not responsible for the acts or omissions of third-party service providers.

12. Electronic Communications

By using the Service or providing your email address, you consent to receive electronic communications from us, including:

• Transactional Emails: Order confirmations, appeal delivery, case status updates, and account notifications. These are necessary for the Service and cannot be opted out of.
• Marketing Emails: Only if you expressly opt in. You may unsubscribe at any time via the link in any marketing email.

You agree that electronic communications satisfy any legal requirement that communications be in writing. Our email practices comply with the CAN-SPAM Act (US) and Canada's Anti-Spam Legislation (CASL).

13. Disclaimers of Warranties

14. Limitation of Liability

Some jurisdictions do not allow the exclusion or limitation of certain damages. In such jurisdictions, our liability is limited to the fullest extent permitted by law. Nothing in these Terms excludes liability for death or personal injury caused by negligence, fraud, or fraudulent misrepresentation.

15. Indemnification

You agree to defend, indemnify, and hold harmless ClaimCure, its officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, costs, or expenses (including reasonable legal fees) arising from: (a) your violation of these Terms; (b) your submission of AI-generated output to any insurer, government agency, or other party; (c) your uploading of third-party data without proper authorization; or (d) your violation of any applicable law.

This indemnification obligation does not apply to claims arising solely from ClaimCure's own negligence, willful misconduct, or breach of these Terms. To the extent that applicable consumer protection legislation in your jurisdiction limits or prohibits indemnification obligations, this section applies only to the extent permitted by that legislation.

16. Dispute Resolution

16.1 Informal Resolution First

Before initiating formal proceedings, you agree to contact us at [email protected] and attempt to resolve the dispute informally for at least 30 days.

16.2 Binding Arbitration

If informal resolution fails, any dispute arising out of or relating to these Terms or the Service shall be resolved by binding arbitration administered in Vancouver, British Columbia, Canada, in accordance with the rules of the ADR Institute of British Columbia (ADRIC BC) or another nationally recognized Canadian arbitration body.

• The arbitration shall be conducted by a single arbitrator.
• The language of arbitration shall be English.
• The arbitrator's decision shall be final and binding and may be entered as a judgment in any court of competent jurisdiction.
• Cost allocation: For individual consumer claims (non-business users) where the amount in dispute is less than $1,000 CAD, ClaimCure will bear the arbitration filing fees and the arbitrator's fees. For all other disputes, each party shall bear its own costs unless the arbitrator determines otherwise.

16.3 Class Action Waiver

You agree that any dispute resolution proceedings will be conducted only on an individual basis and not in a class, consolidated, or representative action. You waive any right to participate in a class action lawsuit or class-wide arbitration against ClaimCure. If this class action waiver is found to be unenforceable in your jurisdiction, then the entirety of this arbitration section (Section 16.2) shall be deemed void, and any dispute shall be resolved in the courts identified in Section 17.

16.4 Small Claims Exception

Notwithstanding the above, either party may bring an individual action in small claims court (or the Civil Resolution Tribunal in British Columbia) in the jurisdiction where you reside, provided the claim falls within the court's jurisdictional limits.

16.5 Enforceability

Nothing in this Section 16 is intended to prevent you from filing a complaint with a regulatory authority or exercising any rights that cannot be waived under applicable consumer protection law. If any part of this Section 16 is found to be unconscionable or unenforceable by a court of competent jurisdiction, the remainder of this section shall remain in effect to the fullest extent permitted by law.

17. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the Province of British Columbia and the federal laws of Canada applicable therein, without regard to conflict of law principles. The United Nations Convention on Contracts for the International Sale of Goods does not apply.

18. Modifications to Terms

We reserve the right to modify these Terms at any time. When we make material changes, we will:

• Update the "Last Updated" date at the top of this page.
• Provide notice to registered users via email at least 30 days before the changes take effect.
• Post a prominent notice on our website.

Your continued use of the Service after the effective date of modified Terms constitutes your acceptance of those changes. If you do not agree to the modified Terms, you must stop using the Service.

19. Termination

19.1 By You

You may stop using the Service at any time. Business portal users may cancel their subscription through their account settings or by contacting us.

19.2 By ClaimCure

For cause: We may suspend or terminate your access immediately if you violate these Terms, engage in suspected fraud, fail to make payment, or engage in conduct that harms other users or the integrity of the Service.

Without cause: We may terminate your access for any other reason by providing at least 30 days' written notice to the email address associated with your account.

19.3 Effect of Termination

Upon termination: (a) your right to access the Service ceases at the end of the notice period (or immediately for cause-based termination); (b) we may delete your account data in accordance with our Privacy Policy; (c) provisions of these Terms that by their nature should survive termination will survive, including Sections 4, 10, 13, 14, 15, 16, 17, and this subsection.

Refund on termination: If ClaimCure terminates a paid subscription without cause, we will issue a prorated refund for the unused portion of the current billing period. No refund is due if termination is for cause (violation of Terms, fraud, non-payment).

20. Service Availability

We strive to maintain high availability of the Service but do not guarantee uninterrupted access. The Service may be temporarily unavailable due to maintenance, updates, server issues, or circumstances beyond our control (including AWS infrastructure outages, internet disruptions, or force majeure events). We will make reasonable efforts to provide advance notice of planned maintenance.

21. General Provisions

• Entire Agreement: These Terms, together with the Privacy Policy and Refund Policy, constitute the entire agreement between you and ClaimCure regarding the Service and supersede all prior agreements.
• Severability: If any provision of these Terms is found to be unenforceable or invalid by a court of competent jurisdiction, that provision shall be modified to the minimum extent necessary to make it enforceable, and the remaining provisions shall remain in full force and effect.
• Waiver: Our failure to enforce any right or provision of these Terms shall not constitute a waiver of that right or provision.
• Assignment: You may not assign or transfer your rights under these Terms without our prior written consent. ClaimCure may assign its rights and obligations under these Terms in connection with a merger, acquisition, reorganization, or sale of all or substantially all of its assets, provided that we notify you of any such assignment and the assignee agrees to be bound by these Terms.
• Force Majeure: ClaimCure shall not be liable for any delay or failure in performance resulting from causes beyond our reasonable control, including but not limited to natural disasters, war, terrorism, pandemics, government actions, AWS or cloud infrastructure outages, internet service failures, or power outages.
• Notices: We may provide notices to you via email at the address associated with your account or by posting on the Service. You may provide notices to us at [email protected].
• Quebec Users / Utilisateurs du Québec: The parties have requested that this agreement and all related documents be drawn up in English. Les parties ont demandé que ce contrat et tous les documents connexes soient rédigés en anglais.
• No Third-Party Beneficiaries: These Terms are between you and ClaimCure. No third party has any rights under these Terms.
• Headings: Section headings are for convenience only and have no legal effect.

22. Contact Us

If you have questions about these Terms of Service, please contact us: