The short version
Patient Bill is a free self-service medical-bill audit tool. You upload the records you choose, then the AI looks for possible billing issues and generates phone call scripts that you use yourself. The service is provided free of charge — there are no fees, no percentage of your savings, no invoices, and no card required. You keep every dollar you save.
1. Acceptance of these terms
By uploading a bill, clicking "Continue," "Start Free Audit," or any similar control, or by otherwise using Patient Bill (the "Service"), you acknowledge that you have read, understood, and agreed to be bound by these Terms of Service (the "Terms") and our Privacy Policy. These Terms form a binding contract between you and Patient Bill, Inc. ("Patient Bill," "we," "us," or "our"). If you do not agree, do not use the Service.
2. Who can use Patient Bill
You must be at least 18 years old and able to form a binding contract. If the bill is for someone else, you must have that person's permission or another lawful basis to upload and use their information. Parents and guardians may use the Service for minor children when legally permitted.
Your private browser token and any emailed return link provide access to the workspace. Keep those links private and notify us if you believe someone else obtained access.
3. What we do — and what we are not
- Audit the bill and any supporting documents you provide for errors, overcharges, and eligibility opportunities.
- Generate pre-filled phone call scripts tailored to your case.
- Explain how you can request itemized statements and Explanation-of-Benefits documents yourself.
- Guide you through each step — you make the calls and control all decisions.
Patient Bill is not a law firm, an insurance broker or producer, a tax or financial advisor, a debt collector under the Fair Debt Collection Practices Act, or a "credit-repair organization" under the federal Credit Repair Organizations Act (CROA). We do not give legal, medical, insurance, tax, or financial advice. We do not represent you in court, in arbitration, in bankruptcy, or before any administrative agency. If your situation appears to require any of those services, we will tell you and recommend you consult an appropriate professional.
4. Your responsibilities and accuracy warranty
- Upload only documents you have the right to use and keep your own copies of provider correspondence.
- Review every AI-generated script before using it — you are responsible for what you say.
- Tell us if any facts on your intake change.
You represent and warrant that (a) every fact you submit is true and complete, (b) you have the legal right and authority to submit the bill, the patient's information, and the documents you upload, and (c) you have obtained any consent needed from the patient if the patient is not you. You agree to indemnify Patient Bill in full for any claim arising from false information you provided, from your unauthorized use of another person's protected health information (PHI), or from using another person's information without permission.
5. AI and automated output disclaimer
Audit results, potential billing issues, and recommended call scripts are generated in whole or in part by artificial-intelligence systems and automated tooling. These outputs may be inaccurate, incomplete, or out of date. You are required to review, edit, and approve every audit and every script before you use it. By using a script, you confirm you have reviewed it and accept it as your own communication. Patient Bill is not liable for errors, omissions, or hallucinations in AI-generated content, for any reliance you place on it, or for any outcome that results from using it.
6. You act for yourself
For new self-help workspaces, Patient Bill gives you information and tools for self-help. We do not contact providers or insurers, make calls, submit disputes, negotiate bills, accept settlements, or make decisions for you. You decide whether and how to use the audit results and scripts, and you communicate directly with any provider, insurer, or other third party.
Historical cases may still display authorization records and correspondence previously mailed through a third-party vendor. Those legacy records and activities remain governed by the terms in effect when they were created or requested. They do not change the self-service nature of new workspaces.
7. Communications consent
By providing your email address you consent to receive transactional and service-related emails from us, including private return links, account notices, audit results, case updates, and security alerts. If you sign up and provide a mobile number, you consent to receive autodialed or pre-recorded SMS and voice messages from Patient Bill at that number for workspace and transactional purposes, even if the number is on a do-not-call list. Message and data rates may apply. Message frequency varies. Reply STOP to opt out of SMS; reply HELP for help. Consent to marketing texts is not a condition of purchase.
You may opt out of non-essential email via the unsubscribe link or by emailing hello@patientbill.org. You cannot opt out of essential transactional messages while your workspace is active.
8. Our fee — none
Patient Bill is provided free of charge. There is no fee for using the Service — no upfront fee, no monthly fee, no percentage of your savings, and no invoices. We do not collect payment from you, and no card or payment method is required at any point. You keep 100% of any savings achieved on your bill.
9. Intellectual property
The Service, including all software, text, graphics, logos, audit logic, script templates, and the "Patient Bill" name, is owned by Patient Bill or its licensors and is protected by copyright, trademark, and other laws. We grant you a limited, revocable, non-exclusive, non-transferable license to access and use the Service for your personal, non-commercial use of disputing your own medical bill or a bill you have lawful permission to review. All other rights are reserved.
You retain ownership of the documents and information you upload ("Your Content"). You grant Patient Bill a worldwide, royalty-free license to host, copy, transmit, display, process, and create derivative works of Your Content solely to provide, secure, and improve the Service for you and to comply with law. This license ends when Your Content is deleted, except for backups kept for a commercially reasonable retention period and content we are required to retain.
If you publish a Community post or reply, you also grant us a worldwide, royalty-free, non-exclusive license to host, reproduce, display, distribute, format, and moderate that public content for operating, promoting, securing, and improving the Community. This license continues for copies already shared, cached, or reasonably retained for safety, legal, and backup purposes.
10. Acceptable use
You agree not to:
- Upload content you do not own or are not authorized to submit, or submit a bill for a person without that person's authority.
- Reverse engineer, decompile, scrape, or attempt to extract source code or non-public data from the Service.
- Use the Service to harass, defraud, impersonate, or harm anyone, or to violate any law (including HIPAA, the FDCPA, the TCPA, or state consumer- protection laws).
- Interfere with the Service, probe it for vulnerabilities without our written permission, or use it to send unsolicited messages.
- Resell, sublicense, or build a competing product from the Service.
10A. Community participation
Anyone may read the Community, but you must sign in and choose a unique pseudonymous display name to post, reply, vote, save, or report. Community content reflects individual peer experiences. It is not medical, legal, insurance, tax, or financial advice and is not endorsed or verified by Patient Bill. You are responsible for independently checking information before acting on it.
You must follow the Community Guidelines. In particular, do not publish bills, EOBs, attachments, real names, contact details, dates of birth, account or member numbers, medical-record numbers, or other identifying information about yourself or another person. Do not harass others, impersonate a professional, solicit clients, manipulate votes, post spam, or present dangerous or deceptive claims as fact.
We may use automated screening and human review, but we do not pre-approve or guarantee the accuracy, privacy, or safety of Community content. We may reject, hold, hide, restore, lock, or remove content and may warn, suspend, or ban accounts. Users can report suspected violations. Attempts to evade restrictions may result in termination of access to the Service.
11. Third-party services
The Service relies on third-party vendors including (without limitation) AI providers, hosting and database providers, transactional-email providers, and error-monitoring providers. A mail vendor may also store or process historical correspondence for legacy cases. We are not responsible or liable for outages, errors, security incidents, billing, or acts or omissions of any third party, and your use of their services may be governed by their own terms.
12. DMCA / copyright complaints
We respect intellectual-property rights. If you believe content on the Service infringes your copyright, send a notice that complies with 17 U.S.C. § 512(c)(3) to our designated agent at hello@patientbill.orgwith the subject "DMCA Notice." We may remove or disable allegedly infringing content and terminate repeat infringers.
13. Disclaimer of warranties
THE SERVICE AND ALL CONTENT, AUDIT RESULTS, AND SCRIPTS ARE PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTY OF ANY KIND, EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMITTED BY LAW, PATIENT BILL DISCLAIMS ALL WARRANTIES, INCLUDING THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, TITLE, ACCURACY, COMPLETENESS, AND QUIET ENJOYMENT, AND ANY WARRANTIES ARISING FROM COURSE OF DEALING OR USAGE OF TRADE. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, SECURE, OR ERROR-FREE; THAT DEFECTS WILL BE CORRECTED; THAT AUDIT RESULTS OR SCRIPTS WILL BE ACCURATE; OR THAT ANY SPECIFIC SAVINGS, CORRECTION, OR OUTCOME WILL BE ACHIEVED. INSURANCE AND PROVIDER DECISIONS ARE NOT WITHIN OUR CONTROL. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES; THOSE EXCLUSIONS MAY NOT APPLY TO YOU.
14. Limitation of liability
TO THE FULLEST EXTENT PERMITTED BY LAW, IN NO EVENT WILL PATIENT BILL, ITS OFFICERS, DIRECTORS, EMPLOYEES, AFFILIATES, OR LICENSORS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, REVENUE, GOODWILL, DATA, OR BUSINESS, ARISING OUT OF OR RELATED TO THE SERVICE OR THESE TERMS, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
OUR AGGREGATE LIABILITY FOR ALL CLAIMS RELATED TO THE SERVICE OR THESE TERMS WILL NOT EXCEED ONE HUNDRED U.S. DOLLARS ($100). The foregoing limitations do not apply to liability that cannot be excluded or limited under applicable law (for example, certain consumer-protection rights, or our gross negligence or willful misconduct where such carve-outs are required).
15. Indemnification
You agree to defend, indemnify, and hold harmless Patient Bill and its officers, directors, employees, and agents from and against any and all claims, damages, liabilities, losses, costs, and expenses (including reasonable attorneys' fees) arising out of or related to: (a) your use or misuse of the Service; (b) Your Content, including any infringement, defamation, or privacy claim; (c) false, inaccurate, or unauthorized information you submitted, including submitting another person's PHI without authority; (d) your breach of these Terms or applicable law; or (e) your use of audit results, scripts, or other Service content in communications with a third party.
16. Binding arbitration and class-action waiver
Please read this section carefully — it affects your legal rights.
You and Patient Bill agree that any dispute, claim, or controversy arising out of or relating to these Terms or the Service (a "Dispute") will be resolved by binding individual arbitration administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules, and not in court. The arbitration will be held in the State of Delaware, or remotely at the arbitrator's discretion. The arbitrator's award is final and may be entered in any court of competent jurisdiction.
You and Patient Bill waive any right to a jury trial and to participate in a class action, consolidated action, or representative action. Disputes must be brought in your individual capacity only; the arbitrator may not consolidate claims or preside over any class or representative proceeding.
30-day opt-out. You may opt out of this arbitration agreement by sending an email to hello@patientbill.orgwith the subject "Arbitration Opt-Out" within 30 days of first accepting these Terms, including your full name, address, and email on file. Opting out will not affect any other part of these Terms.
Small claims and injunctive carve-outs. Either party may bring an individual claim in small-claims court if it qualifies, and either party may seek injunctive or equitable relief in court to protect its intellectual property or confidential information. If the class-action waiver is found unenforceable as to a particular claim, that claim will be severed and litigated in court; the remainder of this section remains in force.
17. Governing law and venue
These Terms are governed by the laws of the State of Delaware, without regard to its conflict-of-laws principles. For any Dispute not subject to arbitration, the parties consent to the exclusive jurisdiction and venue of the state and federal courts located in New Castle County, Delaware, and waive any objection based on forum non conveniens.
18. Termination
You may terminate this agreement at any time by emailing hello@patientbill.org. We may suspend or terminate your access at any time, with or without notice, if we reasonably believe you have violated these Terms or that continued access poses a legal or security risk. Because the Service is free, no fees are ever due on termination.
19. Modifications
We may modify the Service, including adding, changing, or removing features, at any time. We may also modify these Terms; if a change is material, we will provide notice by email, in-product banner, or by updating the "Last updated" date and posting the revised Terms here at least 14 days before they take effect (or immediately for changes required by law or security). Continued use after the effective date constitutes acceptance.
20. Force majeure
We are not liable for any failure or delay caused by events beyond our reasonable control, including acts of God, natural disasters, war, terrorism, civil unrest, labor actions, government action, pandemics, internet or utility failures, cyberattacks, or third-party vendor outages.
21. Assignment
You may not assign or transfer these Terms or your workspace access, by operation of law or otherwise, without our prior written consent; any attempted assignment is void. We may freely assign these Terms and our rights and obligations to an affiliate, successor, or acquirer (including in connection with a merger, sale, reorganization, or bankruptcy).
22. Survival
Sections covering intellectual property, disclaimers, limitation of liability, indemnification, arbitration and class-action waiver, governing law, and any provisions that by their nature should survive will survive termination of these Terms.
23. Electronic records
You consent to receive these Terms and related disclosures and notices in electronic form. New self-help workspaces do not require a legal signature. Continuing to use the Service after being shown these Terms records your acceptance of them.
24. Miscellaneous
These Terms, together with the Privacy Policy, are the entire agreement between you and Patient Bill regarding the Service and supersede any prior agreements on that subject. If any provision is held unenforceable, it will be enforced to the maximum extent permissible and the remaining provisions will remain in full force. Our failure to enforce any right is not a waiver of that right. Headings are for convenience only and do not affect interpretation.
25. Contact for legal notices
Legal notices to Patient Bill must be sent to:
Patient Bill, Inc. — Legal
2261 Market St #4501
San Francisco, CA 94114
Email: hello@patientbill.org
This page is provided for transparency, is a plain-language draft, has not been reviewed by counsel, and is not a substitute for legal advice. You are encouraged to consult an attorney before relying on it.