Legal

Terms of Service

Last updated: May 5, 2026

1. Acceptance

By using MediBill Saver (the "Service") you agree to these Terms of Service ("Terms"). If you do not agree, do not use the Service. The Service is operated by LootCastPuff LLC, 980 Broadway, #550, Thornwood, NY 10594 ("MediBill Saver," "we," "us").

2. What the Service Is — and Isn't

MediBill Saver is informational self-help software. It uses AI to review medical bills you upload, screen for patterns associated with potential billing errors, estimate fair-market reference amounts using public data, and generate dispute-letter form templates for you to review, customize, sign, and mail yourself.

The Service is not:

  • A law firm or a lawyer. We do not provide legal advice and we do not represent you in any legal matter.
  • A medical practice or a healthcare provider. We do not provide medical advice.
  • A credentialed medical billing advocate, certified medical coder, certified public accountant, financial counselor, tax advisor, or insurance advisor. We are not a substitute for any of those professional services.
  • A debt collector, debt-management plan provider, debt-settlement service, or credit-repair organization. We do not collect debts, do not negotiate with providers on your behalf, do not handle your money, and do not modify your credit reports.
  • A health-care service plan or a HIPAA covered entity. See Section 9.
  • A guarantee that you will reduce or eliminate any charge, that any specific letter template will produce a reduction, or that any specific outcome will result.

Form templates produced by the Service are general-purpose documents you must review and personalize with your own facts before sending. The patient — not MediBill Saver — is the author of any letter sent. You sign and mail; we do not.

3. Eligibility and Geographic Scope

You must be at least 18 years old and physically located in the United States to use the Service. The Service is not offered to consumers in the European Economic Area, the United Kingdom, Canada, or other jurisdictions outside the United States, and pricing is in U.S. dollars only. By using the Service you represent that you meet these requirements.

The Service is not currently offered to consumers physically located in the State of North Carolina. If you are in North Carolina, do not use the Service.

4. 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 the rights of others, or contains data you are contractually prohibited from sharing.
  • You review the AI output, all form templates, and any suggestions before sending them to a provider, insurer, debt collector, or third party. You are the author and signer of every document you send.
  • You are responsible for the accuracy of every fact in any form template you complete and send. False statements on charity-care, financial-assistance, or other healthcare-benefit applications are a federal crime under 18 U.S.C. §1035 and may also be prosecuted under state law. We do not auto-fill income, household-size, or eligibility fields; you must enter them yourself.
  • You are responsible for complying with applicable laws when sending any communication based on output from the Service, including federal and state debt-validation rules and consumer-protection statutes.
  • You understand that disputing a bill does not pause your underlying payment obligation. The provider may continue collection activity during a dispute. Consult a licensed attorney for advice specific to your situation.

5. Acceptable Use, Intellectual Property, and AI Training

The Service — including its design, source code, programmatic-data pages, dispute-letter form templates, methodology, and any other text, images, or compilations of public-data sources we publish — is the intellectual property of LootCastPuff LLC. You receive a limited, non-exclusive, non-transferable license to use the Service for your own personal, non-commercial purposes for as long as you comply with these Terms.

You agree not to:

  • Scrape, crawl, mirror, or otherwise mass-extract content from the Service except as permitted by our published robots.txt. AI citation crawlers (e.g., GPTBot, ClaudeBot, PerplexityBot, Google-Extended) are permitted to index pages for citation purposes per robots.txt.
  • Use the Service or any content on it as input to train, fine-tune, validate, retrieval-augment, or otherwise inform any artificial intelligence model, large language model, embedding model, or similar system, whether commercial or non-commercial. This restriction applies to bulk content (programmatic price pages, methodology, dispute-letter templates, blog content, glossary, FAQ) as well as to any aggregate view of the Service obtained through normal browsing or scraping.
  • Republish, sell, sublicense, or commercially redistribute the Service's content, output, or any compilation of it.
  • Interfere with the normal operation of the Service, including load-testing, denial-of-service attempts, or deliberate exploitation of rate-limit edge cases.
  • Reverse-engineer, decompile, or otherwise attempt to derive source code from the Service, except where explicitly permitted by applicable law.
  • Misrepresent that the Service or LootCastPuff LLC endorses your output, communications, or products.

Personal-use exceptions. You may save your own analysis and PDF report, print and mail your dispute letters, share them privately with your own legal or financial advisors, and forward your audit results to other people for their own personal use. These exceptions do not authorize commercial republication, mass redistribution, or AI-training use.

We reserve all rights not expressly granted in these Terms, including under copyright (17 U.S.C.), the Computer Fraud and Abuse Act (18 U.S.C. §1030), and applicable state computer-trespass and misappropriation statutes.

6. Subscriptions and Auto-Renewal

The Family Plan ($97/month) and Pro Plan ($297/month) are auto-renewing subscriptions. By subscribing, you authorize MediBill Saver, through Stripe, to charge your payment method on a recurring monthly basis until you cancel. Each renewal is charged on the same day of the month as your initial subscription.

How to cancel. You may cancel at any time through the customer portal, accessible from the scan page after you have signed in (one-click). Cancellation stops future renewals at the end of your current billing cycle; you keep access through the end of that cycle. Cancellation does not refund past payments.

Material changes. If we change the price or any other material term of your subscription, we will notify you by email at least thirty (30) days before the change takes effect, and you will have the right to cancel before the change without penalty.

Annual reminder. Once each calendar year, regardless of how often you are billed, we will send you a reminder email summarizing your subscription, the recurring price and frequency, and how to cancel.

7. Refund Policy

The free preliminary audit is shown at no charge.

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. Refunds are limited to one per customer per ninety (90) day period; repeated refund requests on additional purchases within that window may be declined.

Family Plan ($97/month) and Pro Plan ($297/month): cancel anytime, no long-term contract. Cancellation stops future renewals at the end of the current billing cycle. Past monthly payments are not refundable.

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.

8. Third-Party AI Processing

Bills you upload are sent to Google Gemini (paid tier), a third-party AI service, for analysis. Google has contractually committed not to use paid-tier inputs to train its models. See our Privacy Policy and Consumer Health Data Privacy Policy for details. AI output may contain errors, omit issues, or flag patterns that are not actually problems. Always review carefully before acting.

9. HIPAA and Healthcare Regulation

MediBill Saver is not a HIPAA covered entity, business associate, or subcontractor within the meaning of 45 CFR §160.103. We do not enter into business associate agreements. The Service is not intended for, and shall not be used by, any HIPAA covered entity (including any health plan, healthcare clearinghouse, or healthcare provider that transmits health information electronically in connection with a HIPAA standard transaction), or any business associate, for purposes of carrying out any function or activity on behalf of such entity. By using the Service, you represent that you are using it on your own behalf or on behalf of a person who has authorized you, and that you are not using it on behalf of any covered entity or business associate.

MediBill Saver is not a health-care service plan or a regulated healthcare entity in any state. We do not arrange for the provision of healthcare services.

Procedure-code data sourcing. Medical procedure codes (CPT, HCPCS) appearing in the Service are read from medical bills you upload to us, or from each hospital’s federally-mandated Hospital Price Transparency file (45 CFR §180.50). All plain-English procedure descriptions and bundling-rule rationales we display are MediBill Saver’s original work-product, written from procedure-code conventions and standard clinical terminology. We do not republish proprietary medical-coding manuals or any third-party copyrighted descriptive text.

10. Disclaimers

THE SERVICE AND ALL OUTPUT (INCLUDING FORM TEMPLATES, FAIR-MARKET ESTIMATES, BENCHMARK COMPARISONS, AND DISPUTE LANGUAGE) ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY. WE DISCLAIM ALL IMPLIED WARRANTIES, INCLUDING THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, AND TITLE. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED OR ERROR-FREE; THAT AI OUTPUT WILL BE ACCURATE, COMPLETE, OR SUITABLE FOR YOUR SITUATION; OR THAT USE OF A FORM TEMPLATE WILL RESULT IN ANY SPECIFIC OUTCOME, INCLUDING ANY REDUCTION OF A CHARGE.

WE DO NOT YET PUBLISH CUSTOMER OUTCOME DATA. WHETHER A PROVIDER REDUCES A CHARGE DEPENDS ON YOUR BILL, YOUR PROVIDER'S RESPONSE, AND THE ACTION YOU CHOOSE TO TAKE. PAST PATTERNS DO NOT PREDICT FUTURE RESULTS.

11. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, MEDIBILL SAVER, LOOTCASTPUFF LLC, AND OUR OFFICERS, MEMBERS, EMPLOYEES, AND CONTRACTORS ARE NOT LIABLE FOR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, REVENUE, DATA, GOODWILL, OR BUSINESS OPPORTUNITY, ARISING FROM OR RELATED TO THE SERVICE, WHETHER BASED IN CONTRACT, TORT (INCLUDING NEGLIGENCE), STRICT LIABILITY, OR ANY OTHER THEORY, AND EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

OUR TOTAL CUMULATIVE LIABILITY TO YOU FOR ALL CLAIMS ARISING FROM OR RELATED TO THE SERVICE IS LIMITED TO THE GREATER OF (A) THE AMOUNT YOU PAID US IN THE TWELVE (12) MONTHS PRECEDING THE EVENT GIVING RISE TO THE CLAIM, OR (B) ONE HUNDRED DOLLARS ($100).

12. Indemnification

You agree to indemnify, defend, and hold harmless MediBill Saver, LootCastPuff LLC, and our officers, members, employees, and contractors from any claim, demand, damages, loss, liability, or expense (including reasonable attorneys' fees) arising out of or related to (a) any misrepresentation by you of facts in any form template you complete and send; (b) your misuse of any Service output; (c) any infringement by you of the intellectual-property rights of others; (d) your violation of these Terms; or (e) your violation of any applicable law.

13. Dispute Resolution; Binding Arbitration; Class Action Waiver

Please read this section carefully. It affects how disputes between you and MediBill Saver are resolved.

Informal resolution first. Before filing any arbitration or lawsuit, you agree to first contact us at support@medibillsaver.com with a written description of your claim and to negotiate in good faith for at least 60 days.

Binding individual arbitration. Any dispute, claim, or controversy arising out of or related to the Service or these Terms that is not resolved through informal negotiation shall be resolved by binding individual arbitration administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules. The arbitration shall be conducted in New York, New York, or, at your election, by telephone or video conference. Judgment on the award may be entered in any court of competent jurisdiction. The Federal Arbitration Act governs the interpretation and enforcement of this provision.

Class action waiver. YOU AND MEDIBILL SAVER AGREE TO BRING CLAIMS AGAINST EACH OTHER ONLY IN AN INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, COLLECTIVE, OR REPRESENTATIVE PROCEEDING. NEITHER YOU NOR MEDIBILL SAVER MAY SEEK NON-INDIVIDUALIZED RELIEF EXCEPT AS REQUIRED BY LAW. The arbitrator may not consolidate claims or preside over any form of representative or class proceeding.

Mass-arbitration procedures. If 50 or more substantially similar claims are filed against MediBill Saver within a six-month period, we and counsel for the claimants will meet and confer in good faith to develop batched arbitration procedures (including selection of bellwether cases) to streamline resolution. The AAA's Mass Arbitration Supplementary Rules apply where adopted.

Small claims carve-out. Either party may bring a claim in small claims court if it qualifies, in lieu of arbitration.

Right to opt out. You may opt out of this arbitration agreement by emailing support@medibillsaver.com with the subject “Arbitration Opt-Out” within 30 days of first accepting these Terms. If you opt out, neither you nor MediBill Saver will be bound by the arbitration provision or the class waiver as to disputes between you and us.

14. Governing Law and Venue

These Terms are governed by the laws of the State of New York, without regard to its conflict-of-law principles. For any dispute not subject to arbitration, the parties consent to the exclusive jurisdiction of the state and federal courts located in Westchester County, New York.

15. 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 and, where required by law, communicated by email at least five days before they take effect. Continued use of the Service after changes constitutes acceptance of the new Terms.

16. Contact

Questions about these Terms?

support@medibillsaver.com
LootCastPuff LLC
980 Broadway, #550
Thornwood, NY 10594