Terms of Service

1. Who we are and what these terms cover

ClearedBill.com (the "Site") is owned and operated by Digital Edge Media Group, LLC, a North Carolina limited liability company ("ClearedBill," "we," "us," or "our"). These Terms of Service (the "Terms") govern your access to and use of the Site and the medical bill review and negotiation services we offer (the "Service").

By using the Site, creating an account, or submitting a case, you agree to these Terms and to our Privacy Policy. If you do not agree, do not use the Site.

When you submit a case, you also sign a separate Service Agreement and Authorization specific to that case. If these Terms and your signed Service Agreement conflict, the Service Agreement controls for that case.

2. What the Service is (and is not)

ClearedBill reviews medical bills for errors, overcharges, and misapplied charges; evaluates eligibility for hospital financial assistance programs; and negotiates with healthcare providers, facilities, and insurers on your behalf to reduce what you owe.

ClearedBill is a patient advocacy and bill negotiation service. We are not a law firm and do not provide legal advice. We are not a healthcare provider and do not provide medical advice. We are not an insurance company, agent, or broker. We are not a credit services organization, credit counseling agency, or credit repair organization, and we do not provide debt adjusting, debt settlement, or credit repair services within the meaning of applicable statutes. Nothing on the Site or in our guides is legal, medical, tax, insurance, or financial advice.

Results are not guaranteed. Savings figures shown on the Site are examples, not promises. Past outcomes do not predict the outcome of any particular case.

3. Eligibility

• You must be at least 18 years old and reside in the United States.
• The Service covers medical bills of $5,000 or more. Smaller bills are not accepted.
• If you submit a case on behalf of a patient, you represent that you have legal authority to act for that patient and to sign on their behalf.

4. Your account

You are responsible for the accuracy of the information you provide, for maintaining the confidentiality of your password, and for all activity under your account. Notify us promptly of any unauthorized use. We may suspend or terminate accounts that violate these Terms or that we reasonably believe are fraudulent.

5. Fees

Our pricing has two parts: a case deposit collected when you submit a case, and a success fee owed only if we reduce what you owe. The tiers are set by the size of the bill you submit:

• Bills of $5,000 to $15,000: $250 deposit, then a success fee of 25% of Savings.
• Bills of $15,000 to $200,000: $499 deposit, then a success fee of 10% of Savings.
• Bills over $200,000: $499 deposit, then a success fee of 10% of Savings or less, as agreed in writing.

"Savings" means the difference between the verified patient responsibility for the account when you engage us and the verified patient responsibility after our work, including provider write-offs, refunds, charity care adjustments, negotiated reductions, corrected claims, and insurance reprocessing or adjustments obtained through our efforts.

The success fee is earned when the relevant party confirms an adjustment, approval, revised balance, or refund reflecting the reduction, and is due within 14 days of our notification to you. If we achieve no Savings, no success fee is owed.

Deposit refunds: if we review your case and decline to take it, we refund your deposit in full. You may also cancel for a full refund any time before we begin work on your case. Once our audit or negotiation work has begun, the deposit is non-refundable, because it compensates that work.

Payments are processed by Stripe. We do not store your full card number. You remain responsible for paying your providers directly for any negotiated balance.

6. Your responsibilities during an engagement

• Provide accurate and complete information about yourself, the patient, and the bill.
• Do not negotiate directly with the provider, facility, insurer, or their agents about the submitted account while we are engaged, and do not engage another bill reduction service for the same account.
• Forward to us promptly any bills, letters, calls, or other communications you receive about the account.
• Pay negotiated amounts directly to providers by their due dates.

The success fee applies to Savings resulting from our efforts while engaged, including reductions confirmed after the engagement ends. Either party may end an engagement by written notice, including email.

7. Authorizations you give us

When you submit a case you authorize ClearedBill to contact your providers, facilities, insurers, and their billing agents about the submitted account, and to receive billing records, claim details, explanation of benefits documents, financial assistance decisions, and related records needed to review and negotiate the bill. Some providers and insurers require their own authorization forms; you agree to sign those promptly when we send them to you.

8. Electronic records, signatures, and communications

You consent to transact with us electronically, including receiving disclosures and agreements electronically and signing documents electronically under the federal ESIGN Act and applicable state UETA laws. You can request paper copies of your signed documents by contacting us.

We send transactional email about your case and account. You can opt out of case update emails using the link in any email; payment receipts and copies of documents you sign are always delivered because they are part of the Service.

9. Acceptable use

• Do not submit false, misleading, or fraudulent information or documents.
• Do not use the Site to violate any law or the rights of others.
• Do not probe, scrape, overload, or interfere with the Site, or attempt to access accounts or data that are not yours.

10. Intellectual property

The Site, including our name, logo, design, guides, and other content, is owned by Digital Edge Media Group, LLC or its licensors and is protected by intellectual property laws. We grant you a limited, revocable, non-exclusive license to use the Site for personal, non-commercial purposes. You may not copy, republish, or create derivative works from Site content without our written permission, except for personal reference.

11. Third-party services and links

The Site relies on third-party services, including payment processing and email delivery, and may link to third-party sites such as hospital financial assistance pages. We are not responsible for third-party services or content; your use of them is governed by their own terms.

12. Disclaimers

THE SITE AND SERVICE ARE PROVIDED "AS IS" AND "AS AVAILABLE." TO THE FULLEST EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT ANY PARTICULAR REDUCTION, SAVINGS, OR OUTCOME WILL BE ACHIEVED, OR THAT THE SITE WILL BE UNINTERRUPTED OR ERROR-FREE.

13. Limitation of liability

TO THE FULLEST EXTENT PERMITTED BY LAW, DIGITAL EDGE MEDIA GROUP, LLC AND ITS MEMBERS, MANAGERS, EMPLOYEES, AND AGENTS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR FOR LOST PROFITS, ARISING FROM OR RELATED TO THE SITE OR SERVICE. OUR TOTAL LIABILITY FOR ALL CLAIMS RELATED TO THE SERVICE WILL NOT EXCEED THE TOTAL FEES YOU PAID US FOR THE CASE GIVING RISE TO THE CLAIM. SOME STATES DO NOT ALLOW CERTAIN LIMITATIONS, SO SOME OF THESE LIMITS MAY NOT APPLY TO YOU.

14. Indemnification

You agree to indemnify and hold harmless Digital Edge Media Group, LLC from claims, damages, and expenses (including reasonable attorneys' fees) arising from information or documents you provide that are false or infringing, or from your violation of these Terms or of law.

15. Dispute resolution and arbitration

Most concerns can be resolved quickly by contacting us, and you agree to try that first: describe the issue in writing and give us 30 days to resolve it before starting a formal proceeding.

If we cannot resolve it informally, you and ClearedBill agree that any dispute arising out of or relating to these Terms, the Site, or the Service will be resolved by binding arbitration administered by the American Arbitration Association under its Consumer Arbitration Rules, rather than in court, except that either party may bring an individual claim in small claims court. The arbitration will be conducted in North Carolina or, at your election, in your county of residence or by video conference. Each party bears its own attorneys' fees except where the applicable rules or law provide otherwise.

CLASS ACTION WAIVER: DISPUTES MUST BE BROUGHT ON AN INDIVIDUAL BASIS ONLY. NEITHER PARTY MAY PARTICIPATE IN A CLASS, CONSOLIDATED, OR REPRESENTATIVE ACTION AGAINST THE OTHER.

You may opt out of this arbitration agreement by emailing us within 30 days of first accepting these Terms, stating your name and that you opt out of arbitration. Opting out does not affect any other part of these Terms.

16. Governing law

These Terms are governed by the laws of the State of North Carolina, without regard to its conflict of laws rules, and by applicable federal law, including the Federal Arbitration Act with respect to Section 15.

17. Changes to these Terms

We may update these Terms from time to time. Material changes will be posted on this page with an updated effective date, and continued use of the Site after changes take effect constitutes acceptance. Changes do not apply retroactively to a case governed by a Service Agreement you have already signed.

18. Contact

Digital Edge Media Group, LLC (ClearedBill), North Carolina, USA. Email: hello@clearedbill.com, or use the contact form on the Site. Legal notices may be sent to the same address.