Terms of Service

BILLY TERMS OF SERVICE

Effective Date: April 20, 2026

PLEASE READ CAREFULLY. THESE TERMS CONTAIN A BINDING ARBITRATION PROVISION AND A CLASS ACTION WAIVER IN SECTION 16. YOU HAVE A LIMITED RIGHT TO OPT OUT, AS DESCRIBED IN SECTION 16(d).

1. AGREEMENT TO THESE TERMS

These Terms of Service ("Terms") form a binding contract between you and Billy Health Technologies, LLC, a Kansas limited liability company ("Billy," "we," or "us"). By creating an account, downloading, installing, or using the Billy iOS application (the "App") or any related service we offer (collectively, the "Service"), you agree to these Terms and to our Privacy Notice, which is incorporated by reference. If you do not agree, do not use the Service.

2. ELIGIBILITY

To use the Service you must: (a) be at least 18 years old; (b) reside in the United States; (c) have the legal capacity to form a binding contract; and (d) not be prohibited from receiving services under applicable U.S. law. By using the Service you represent that each of these is true.

3. ACCOUNT REGISTRATION

You must register for an account to use most features. You agree to (a) provide accurate, current, and complete information; (b) keep your email address and mailing address up to date; (c) keep access to your email account secure, because we authenticate you by sending a one-time passcode to your email; and (d) maintain only one account per person. You are responsible for activity that occurs under your account. Notify us at support@billydisputes.com if you believe your account has been accessed without authorization.

4. DESCRIPTION OF THE SERVICE

Billy helps you (a) scan or upload medical bills; (b) use AI to identify potential billing errors, duplicate charges, upcoding indicators, coordination-of-benefits problems, and other issues commonly found on medical bills; (c) generate draft dispute letters addressed to providers, hospitals, or insurers; and (d) optionally authorize Billy to print and mail those letters on your behalf through our mail-service subprocessor, Lob, Inc. (the "Authorized Mailing Service," described in Section 8).

We may add, change, or remove features at any time. Some features may require a newer version of iOS or an active internet connection.

5. IMPORTANT DISCLAIMERS ABOUT WHAT THE SERVICE IS AND IS NOT

You acknowledge and agree that:

(a) Not legal advice. Billy is not a law firm, and we do not provide legal advice, legal representation, or legal opinions. Dispute letters generated by the Service are drafts to help you communicate with your provider or payer. If your dispute involves significant amounts, collection actions, credit reporting harm, or litigation, you should consult a licensed attorney.

(b) Not medical advice. Billy does not provide medical advice, diagnoses, or treatment recommendations. Nothing in the Service should be interpreted as guidance about the medical necessity or appropriateness of any service you received.

(c) AI may be wrong. The analysis and draft letters are produced by automated systems, including large language models, which can and do make mistakes — including misreading charges, misidentifying CPT/HCPCS/ICD codes, fabricating regulatory citations, or drawing incorrect conclusions. YOU ARE RESPONSIBLE FOR REVIEWING EVERY LETTER AND EVERY FINDING BEFORE ACTING ON IT.

(d) No guaranteed outcome. We do not guarantee that any dispute will be accepted, that any charge will be reduced or removed, or that you will receive any refund. Past outcomes are not predictive of future results.

(e) Not a substitute for your provider relationship. Using the Service does not relieve you of any payment obligation to your providers or payers. Unless and until a dispute is resolved in your favor, the underlying balance remains owed.

6. YOUR CONTENT AND THE LICENSE YOU GRANT US

"Your Content" means the bill images, text, notes, letters, names, addresses, and other materials you upload, enter, or generate through the Service. As between you and Billy, you own Your Content.

You grant Billy a worldwide, non-exclusive, royalty-free license to host, store, reproduce, display, adapt (for formatting), transmit, and (only with your direction) print and mail Your Content, solely to provide, maintain, secure, and support the Service. This license also permits us to create aggregated and de-identified analytics that do not identify you or any specific bill. The license ends when you delete Your Content or close your account, except to the extent we are required to retain certain records (see Section 7 of the Privacy Notice) or to the extent Your Content has already been transmitted to a third party at your direction (for example, a letter already mailed via Lob).

You represent and warrant that you have the legal right to upload Your Content and to authorize us to use it as described.

7. ACCEPTABLE USE

You agree not to:

(a) upload bills, insurance information, or other documents that do not belong to you or that you are not authorized to dispute (for example, bills belonging to another adult for whom you are not a legal representative);
(b) impersonate any person or misrepresent your affiliation with any person or entity;
(c) use the Service to commit fraud, including submitting falsified bills, fabricated charges, or forged authorizations;
(d) use the Service to harass, threaten, or defame any person, including in the content of a dispute letter;
(e) attempt to reverse engineer, decompile, or extract the source code or model weights of the App or any service it relies on, except to the extent this restriction is prohibited by applicable law;
(f) probe, scan, or test the vulnerability of our systems, or attempt to bypass any security or rate-limiting feature;
(g) use the Service in violation of any law, including the Computer Fraud and Abuse Act, wire-fraud statutes, or mail-fraud statutes; or
(h) use automated means to scrape or harvest content, or use the Service to build a competing product.

We may investigate suspected violations and may suspend or terminate accounts that violate this Section.

8. AUTHORIZED MAILING SERVICE

Billy may offer a service to print and physically mail dispute letters on your behalf via our mail-service subprocessor, Lob, Inc. By using this feature, you expressly authorize Billy to act as your agent solely for the limited purpose of printing and mailing letters you have reviewed and approved. Billy does not author or sign letters on your behalf. You remain the sole author and are legally responsible for the content of each letter. Billy will include a signature block containing your name and an "/s/" notation at the bottom of each mailed letter, together with the return address you provided. You may revoke this authorization at any time through the App's Settings. Revocation will not recall letters already dispatched. This authorization does not grant Billy any general power of attorney or authority beyond this limited printing-and-mailing purpose.

9. FEES AND PAYMENTS

The Service is currently provided free of charge. We may introduce paid features in the future. If we do, we will describe the fees in the App before you incur any charge, and your use of the paid feature will be conditioned on your agreement to the applicable pricing. In-app purchases, if offered, will be processed by Apple through the App Store and are subject to Apple's terms in addition to these Terms.

Mail dispatch fees, once a letter is actually handed off to Lob for delivery, are non-refundable, because the underlying cost (printing, postage, and carrier fees) has already been incurred. If a letter fails to dispatch due to an error on our side, we will credit or refund the associated fee.

10. THIRD-PARTY SERVICES

The Service relies on third parties, including Anthropic, PBC (AI analysis), Lob, Inc. (printing and mail), Supabase, Inc. (authentication and database hosting), Functional Software, Inc. d/b/a Sentry (crash reporting), PostHog, Inc. (optional analytics), and Apple Inc. (App Store). When you use the Service, you also interact with those providers, and their terms and privacy policies also apply to you. We are not responsible for third-party services we do not control.

11. INTELLECTUAL PROPERTY

The Service, including the Billy name, logo, word marks, App design, graphics, user interface, documentation, and the underlying code, is owned by Billy Health Technologies, LLC or its licensors, and is protected by U.S. and international copyright, trademark, and other intellectual property laws. We grant you a limited, personal, non-transferable, non-exclusive, revocable license to use the App for your own personal, non-commercial use, subject to these Terms. All rights not expressly granted are reserved.

You may not use our trademarks without our prior written consent.

12. FEEDBACK

If you send us feedback, suggestions, or ideas about the Service, you agree that we may use them without restriction or obligation to you.

13. TERMINATION

You may terminate your account at any time from Settings or by emailing support@billydisputes.com. We may suspend or terminate your access immediately, with or without notice, if we believe in good faith that you have violated these Terms, that your use poses a security or legal risk, or that we are required to do so by law.

Sections 5, 6 (license survival for already-dispatched letters only), 10, 11, 13–19, and any other provision that by its nature should survive, will survive termination.

14. DISCLAIMER OF WARRANTIES

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE." TO THE MAXIMUM EXTENT PERMITTED BY LAW, BILLY DISCLAIMS ALL WARRANTIES, WHETHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, AND THOSE ARISING OUT OF COURSE OF DEALING OR USAGE OF TRADE.

WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, SECURE, OR FREE OF HARMFUL COMPONENTS, OR THAT THE AI-GENERATED ANALYSIS OR LETTERS WILL BE ACCURATE, COMPLETE, OR EFFECTIVE. WE DO NOT GUARANTEE ANY SAVINGS, REFUND, OR DISPUTE OUTCOME.

Some jurisdictions do not allow the disclaimer of certain implied warranties, so some of the above may not apply to you.

15. LIMITATION OF LIABILITY

TO THE MAXIMUM EXTENT PERMITTED BY LAW, NEITHER BILLY NOR ITS OFFICERS, DIRECTORS, EMPLOYEES, OR AGENTS WILL BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR LOST PROFITS, LOST REVENUE, LOST DATA, LOST GOODWILL, OR THE COST OF SUBSTITUTE SERVICES, ARISING OUT OF OR RELATING TO THESE TERMS OR THE SERVICE, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

OUR AGGREGATE LIABILITY FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THESE TERMS OR THE SERVICE WILL NOT EXCEED THE GREATER OF (a) THE TOTAL AMOUNT YOU PAID TO BILLY FOR THE SERVICE IN THE TWELVE (12) MONTHS PRECEDING THE EVENT GIVING RISE TO THE CLAIM, OR (b) ONE HUNDRED U.S. DOLLARS (US$100.00).

The parties acknowledge that these limitations are a material basis of the bargain between them.

16. BINDING ARBITRATION AND CLASS ACTION WAIVER

(a) Agreement to arbitrate. You and Billy agree that any dispute, claim, or controversy arising out of or relating to these Terms or the Service (a "Dispute") will be resolved by final and binding individual arbitration, and not in court, except as provided in subsection (e) below.

(b) Rules and administrator. Arbitration will be administered by the American Arbitration Association ("AAA") under its Consumer Arbitration Rules, available at www.adr.org. If AAA is unavailable, the parties will select a mutually agreeable arbitrator. The arbitrator has exclusive authority to resolve Disputes, including the scope, applicability, and enforceability of this Section 16, except that a court may decide whether the class action waiver in subsection (f) is enforceable.

(c) Venue and procedure. Arbitration will take place in the U.S. state where you reside, by telephone or video where the amount in controversy is less than $25,000, unless both parties agree otherwise. The arbitrator's award may be entered in any court of competent jurisdiction. Billy will pay filing, administration, and arbitrator fees where required by AAA's Consumer Arbitration Rules.

(d) 30-day opt-out. You may opt out of this arbitration agreement by emailing legal@billydisputes.com within thirty (30) days after you first create your Billy account, with the subject line "Arbitration Opt-Out" and including your full name and the email address on your account. Opting out will not affect any other part of these Terms.

(e) Exceptions. Either party may (i) bring an individual action in small-claims court; (ii) seek injunctive or equitable relief in court to stop unauthorized use or abuse of the Service, or infringement of intellectual property rights; and (iii) bring enforcement actions, validity determinations, or claims arising from or relating to theft, piracy, or unauthorized use of intellectual property in state or federal court.

(f) Class action waiver. YOU AND BILLY EACH WAIVE THE RIGHT TO A TRIAL BY JURY AND THE RIGHT TO PARTICIPATE IN A CLASS ACTION, CLASS ARBITRATION, OR REPRESENTATIVE ACTION. The arbitrator may award relief only on an individual basis. If this waiver is held unenforceable as to any claim, that claim (and only that claim) will be severed and brought in court, with the rest of the Disputes remaining in arbitration.

17. GOVERNING LAW

These Terms are governed by the laws of the State of Kansas, without regard to its conflict-of-laws rules, except that the Federal Arbitration Act governs the interpretation and enforcement of Section 16. Subject to Section 16, the state and federal courts located in Kansas will have exclusive jurisdiction over any claims not subject to arbitration.

18. CHANGES TO THESE TERMS

We may update these Terms from time to time. For non-material changes, the revised Terms take effect when we post them and update the Effective Date. For material changes, we will provide at least thirty (30) days' notice through the App and, where we have your email, by email, before the changes take effect. If you do not agree to a change, your sole remedy is to stop using the Service and close your account before the effective date.

19. MISCELLANEOUS

(a) Entire agreement. These Terms, together with the Privacy Notice and any in-App authorization you provide (including the Authorized Mailing Service authorization), are the entire agreement between you and Billy regarding the Service and supersede any prior agreements on that subject.

(b) Severability. If any provision is held invalid or unenforceable, the remaining provisions will remain in full force and effect, and the invalid provision will be modified to the minimum extent necessary to make it enforceable.

(c) No waiver. Our failure to enforce any right or provision is not a waiver of that right or provision.

(d) Assignment. You may not assign these Terms without our prior written consent. We may assign these Terms without your consent in connection with a merger, acquisition, financing, or sale of assets, or by operation of law.

(e) Notices. We may provide notices to you by email to the address on file, by in-App message, or by posting within the App. Notices to us must be sent to legal@billydisputes.com.

(f) Apple-specific terms. You acknowledge that these Terms are between you and Billy only, not with Apple, and that Apple is not responsible for the App or its content. Apple is a third-party beneficiary of these Terms and may enforce them against you.

20. CONTACT

Billy Health Technologies, LLC
Legal: legal@billydisputes.com
Support: support@billydisputes.com
Privacy: privacy@billydisputes.com