Terms of Service

These Terms of Service (“Terms”) constitute a legally binding agreement between you (“User,” “you,” or “your”) and AiMyClaims (“Company,” “we,” “our,” or “us”), governing your access to and use of the AiMyClaims website at aimyclaims.com and all associated services (collectively, the “Service”).

By creating an account, uploading a bill, or using the Service in any way, you agree to be bound by these Terms. If you do not agree, do not use the Service. If you are using the Service on behalf of another person (such as a family member), you represent that you have authority to bind that person to these Terms and that you accept these Terms on their behalf.

1Description of Service

AiMyClaims is an AI-powered consumer financial advocacy tool that helps individuals analyze medical bills for potential billing errors, overcharges, duplicate charges, and upcoded procedures. The Service includes:

• Free Bill Analysis — upload a medical bill (photo or PDF) and receive an AI-generated analysis identifying potential errors compared to Medicare/Medicaid benchmark pricing and Current Procedural Terminology (CPT) code guidelines.
• Dispute Kit ($19) — dispute letter templates and guidance for bills between $150 and $399.
• AIMY Letter ($79) — a personalized, AI-drafted negotiation letter for bills between $400 and $1,499.
• AIMY Call ($249) — an AI voice agent that calls your hospital's billing department and negotiates on your behalf, for bills between $1,500 and $4,999.
• AIMY Case ($199 + 20% of savings achieved) — full-service AI negotiation for bills of $5,000 or more.

Bill analysis is always free. Paid services unlock negotiation letters, voice negotiations, and additional advocacy tools.

2What the Service Is Not — Important Limitations

2.1 Not Medical Advice

AiMyClaims is not a healthcare provider, and the Service does not constitute medical advice, diagnosis, or treatment. Nothing in the Service should be construed as medical guidance. Always consult a qualified healthcare professional for any medical questions.

2.2 Not Legal Advice

AiMyClaims is not a law firm, and nothing in the Service constitutes legal advice or creates an attorney-client relationship. The negotiation letters and voice agent scripts are advocacy communications, not legal documents. If you believe you have a legal claim (e.g., fraud, ERISA violation, insurance bad faith), consult a licensed attorney.

2.3 No Guarantee of Outcome

We do not guarantee that use of the Service will result in a reduction of your medical bill, a successful negotiation, or any specific financial outcome. Results depend on many factors outside our control, including the billing provider's policies, the nature of the billing errors identified, insurance coverage, and your individual circumstances.

2.4 Not a HIPAA Business Associate

AiMyClaims is not a HIPAA Covered Entity or Business Associate. The Service is a consumer financial tool, not regulated health IT. See our Privacy Policy Section 8 for our voluntary HIPAA-best-practices posture.

2.5 Not a Collection Agency or Creditor

AiMyClaims does not collect debts on behalf of providers, does not make payments on your behalf, and has no authority to bind you or any provider to a settlement unless a formal written agreement is executed between you and the provider directly.

3Account Registration and Eligibility

To use the Service, you must create an account using Google Sign-In (via Clerk). By creating an account, you represent and warrant that:

• You are at least 18 years of age.
• You have the legal capacity to enter into a binding agreement.
• You are a resident of the United States (or a U.S. territory).
• All information you provide is accurate and not misleading.
• You will not use the Service for any unlawful purpose.

You are responsible for maintaining the security of your account credentials and for all activity that occurs under your account. Notify us immediately at support@aimyclaims.com if you suspect unauthorized access.

You may create accounts only for yourself or for family members for whom you have authority to consent (e.g., minor children or dependents). You may not create accounts on behalf of others without their consent.

4PHI Handling Consent and Your Responsibilities

Medical bills typically contain Protected Health Information (PHI) as defined under HIPAA, including but not limited to patient names, dates of birth, diagnosis codes, procedure (CPT) codes, provider names, insurance information, and itemized charges.

By uploading a medical bill to AiMyClaims, you:

• Voluntarily consent to submitting PHI to a non-HIPAA-regulated service for the sole purpose of bill analysis and advocacy.
• Confirm you are authorized to submit the PHI in the document — either because it is your own PHI or because you are the legal guardian, authorized representative, or have written authorization from the patient.
• Acknowledge that AiMyClaims is not a HIPAA Covered Entity and that HIPAA's patient rights (e.g., right to amend a designated record set) do not apply to data held by AiMyClaims.
• Understand that you may redact sensitive identifiers (e.g., Social Security Number, full date of birth beyond birth year) from the document before uploading without affecting the analysis quality for most bill reviews.

You must not upload bills for patients who have not authorized you to act on their behalf, unless you are their legal guardian or have documented power of attorney. Unauthorized submission of another person's PHI is a violation of these Terms and may constitute a violation of applicable law.

5Payment Terms

5.1 One-Time Payments

All fees for the Service are charged as one-time payments. There are no recurring subscriptions, automatic renewals, or monthly charges. You pay once per bill engagement at the tier appropriate to your bill amount.

5.2 Pricing

Current pricing (subject to change with notice) is:

Bills under $150 receive a free analysis summary only. No paid service tier is available for bills under $150, as the negotiation ROI typically does not justify the cost.

5.3 Payment Processing

All payments are processed securely by Stripe. By completing a purchase, you agree to Stripe's Services Agreement and Privacy Policy. We do not store your full payment card details.

5.4 Taxes

Prices do not include applicable sales taxes. If required by law, applicable taxes will be calculated and added at checkout.

5.5 Terms of Service Acceptance Before Checkout

Before completing payment, you will be presented with a summary of these Terms and a checkbox confirming your acceptance. Payment constitutes your agreement to these Terms.

630-Day Satisfaction Guarantee

We stand behind the quality of our analysis and letters. If you are not satisfied with the Service for any reason, you may request a full refund within 30 days of your purchase date.

To request a refund: email support@aimyclaims.com with your purchase confirmation number and a brief description of the issue. We will process your refund to the original payment method within 5–10 business days.

The 30-day guarantee does not apply to:

• Cases where the refund request is made more than 30 days after the purchase date.
• The 20% success fee component of the AIMY Case tier, which is only charged after a documented savings outcome has been achieved.
• Requests for refund solely because a negotiation did not achieve a desired reduction (we cannot guarantee outcomes; see Section 2.3).

We reserve the right to decline refund requests that we reasonably determine constitute abuse of the guarantee (e.g., repeated purchases and refunds by the same user).

7User Responsibilities and Prohibited Conduct

By using the Service, you agree that you will not:

• Upload documents you do not have the right to submit (including PHI of persons who have not authorized you).
• Submit fraudulent, forged, or altered billing documents.
• Use the Service to harass, threaten, or intimidate healthcare providers or their employees.
• Attempt to reverse-engineer, scrape, or extract the AI models, prompts, or proprietary analysis logic from the Service.
• Use automated tools (bots, crawlers) to access the Service at a rate exceeding normal human usage.
• Circumvent, disable, or interfere with security features or access controls.
• Use the Service to violate any applicable law, including HIPAA, state privacy laws, or the Fair Debt Collection Practices Act.
• Impersonate another person or entity, or misrepresent your authority to act on another's behalf.
• Share your account credentials or allow third parties to access the Service using your account.

Violation of these prohibitions may result in immediate termination of your account and, where appropriate, referral to law enforcement.

8Voice Agent — AIMY Call and Case Services

The AIMY voice agent makes outbound telephone calls to hospital or provider billing departments on your behalf. By purchasing the AIMY Call or AIMY Case tier, you:

• Authorize AiMyClaims to act as your agent and to contact the billing department listed on your submitted bill for the purpose of negotiating your balance.
• Confirm the phone number of the billing department is accurate to the best of your knowledge.
• Acknowledge that AIMY is an AI agent — hospital billing representatives will interact with an automated system. The agent will identify itself as “Aimy, a patient advocate with AiMyClaims” in compliance with applicable state laws regarding automated calls.
• Understand that the agent cannot execute a binding legal settlement — any agreed amount must be confirmed in writing between you and the provider.
• Acknowledge that call recording, transcription, and logging occur as described in the Privacy Policy.

AiMyClaims complies with the Telephone Consumer Protection Act (TCPA) with respect to the calls it makes. We call only the billing department numbers associated with your specific bill — we do not make unsolicited marketing calls.

Success fee for AIMY Case: the 20% fee is calculated on the difference between the original billed amount and the final agreed amount. The fee is charged only after you confirm in writing (via the Service) that a settlement has been reached. You are responsible for providing accurate settlement confirmation.

9Intellectual Property

9.1 Our Content

All content on the Service — including the website, software, AI models, analysis methodology, negotiation letter templates, branding, and marketing materials — is owned by AiMyClaims or its licensors and is protected by copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, or create derivative works from our content without our prior written consent.

9.2 Your Content

You retain all ownership of the documents you upload. By uploading a bill, you grant AiMyClaims a limited, non-exclusive, royalty-free license to process and analyze the document solely for the purpose of providing the Service to you. This license terminates when your data is deleted (see Privacy Policy, Section 4).

9.3 Feedback

If you provide suggestions, feedback, or ideas about the Service, you grant us an irrevocable, royalty-free license to use that feedback without attribution or compensation.

10Disclaimers of Warranties

THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, AIMYCLAIMS DISCLAIMS ALL WARRANTIES, INCLUDING BUT NOT LIMITED TO:

• IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.
• WARRANTIES THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, OR FREE FROM VIRUSES OR OTHER HARMFUL COMPONENTS.
• WARRANTIES REGARDING THE ACCURACY, COMPLETENESS, OR RELIABILITY OF ANY ANALYSIS, LETTER, OR RECOMMENDATION GENERATED BY THE SERVICE.
• WARRANTIES THAT THE SERVICE WILL ACHIEVE ANY PARTICULAR NEGOTIATION OUTCOME OR COST REDUCTION.

AI-generated analysis may contain errors. CPT coding interpretations, billing error classifications, and negotiation strategies are based on publicly available data and general best practices — they are not a substitute for review by a Certified Professional Coder (CPC), certified medical billing advocate, or licensed attorney.

11Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT WILL AIMYCLAIMS, ITS OFFICERS, DIRECTORS, EMPLOYEES, CONTRACTORS, OR AFFILIATES BE LIABLE FOR ANY:

• INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES;
• LOSS OF PROFITS, REVENUE, DATA, GOODWILL, OR BUSINESS OPPORTUNITIES;
• DAMAGES ARISING FROM YOUR RELIANCE ON THE SERVICE OR ANY NEGOTIATION OUTCOME;
• DAMAGES ARISING FROM UNAUTHORIZED ACCESS TO OR ALTERATION OF YOUR DATA.

IN NO EVENT WILL OUR AGGREGATE LIABILITY TO YOU FOR ALL CLAIMS ARISING OUT OF OR RELATED TO THE SERVICE EXCEED THE GREATER OF (A) THE TOTAL AMOUNT YOU PAID TO AIMYCLAIMS IN THE 12 MONTHS PRECEDING THE CLAIM OR (B) $100 USD.

Some jurisdictions do not allow the exclusion or limitation of incidental or consequential damages, so the above limitation may not apply to you. In such cases, our liability is limited to the fullest extent permitted by applicable law.

12Indemnification

You agree to indemnify, defend, and hold harmless AiMyClaims and its officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses (including reasonable attorneys' fees) arising out of or related to:

• Your use of the Service in violation of these Terms.
• Your submission of documents you were not authorized to submit.
• Your violation of any third-party rights, including privacy rights.
• Any fraudulent or false information you provided through the Service.

13Dispute Resolution

13.1 Informal Resolution First

Before initiating any formal proceeding, you agree to contact us at support@aimyclaims.com and allow us 30 days to attempt an informal resolution of your dispute.

13.2 Binding Arbitration

If informal resolution fails, any dispute, claim, or controversy arising out of or relating to these Terms or the Service will be resolved by binding individual arbitration administered by the American Arbitration Association (“AAA”) under its Consumer Arbitration Rules. The arbitration will be conducted in English, and the seat of arbitration will be in the State of Texas.

13.3 Class Action Waiver

You waive any right to participate in a class action lawsuit or class-wide arbitration against AiMyClaims. All disputes must be brought in your individual capacity only.

13.4 Small Claims Exception

Either party may bring an individual claim in small claims court if the claim qualifies and the matter is brought and maintained as an individual action.

13.5 Governing Law

These Terms are governed by the laws of the State of Texas, without regard to conflict of law principles. For any claims not subject to arbitration, you consent to personal jurisdiction in the state and federal courts located in Texas.

14Termination

14.1 Your Right to Terminate

You may close your account at any time by emailing support@aimyclaims.com with subject line “Close My Account.” Account closure does not entitle you to a refund for any past purchases outside the 30-day satisfaction guarantee window.

14.2 Our Right to Terminate

We may suspend or terminate your access to the Service immediately, without prior notice or liability, if we determine at our sole discretion that you have violated these Terms, applicable law, or that your use of the Service poses a risk to other users or to the integrity of the Service.

14.3 Effect of Termination

Upon termination, your right to use the Service ceases immediately. Sections relating to intellectual property, disclaimers, limitation of liability, indemnification, dispute resolution, and any other provisions that by their nature should survive will continue in full force and effect after termination.

15Modifications to These 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 and send an email notification to registered users. Your continued use of the Service after changes become effective constitutes your acceptance of the revised Terms.

We will provide at least 14 days' notice before implementing changes that materially reduce your rights or increase your obligations.

16General Provisions

16.1 Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and AiMyClaims regarding the Service and supersede all prior agreements, understandings, or representations.

16.2 Severability

If any provision of these Terms is found by a court of competent jurisdiction to be invalid, illegal, or unenforceable, that provision will be modified to the minimum extent necessary to make it enforceable, and the remaining provisions will continue in full force and effect.

16.3 Waiver

Our failure to enforce any right or provision of these Terms will not be considered a waiver of those rights. Any waiver must be in writing and signed by an authorized representative of AiMyClaims.

16.4 Assignment

You may not assign your rights or obligations under these Terms without our prior written consent. We may assign our rights and obligations without restriction in connection with a merger, acquisition, or sale of all or substantially all of our assets.

16.5 Force Majeure

We will not be liable for any failure or delay in performing our obligations under these Terms due to circumstances beyond our reasonable control, including acts of God, natural disasters, government actions, labor disputes, or failures of third-party services (including Anthropic, Supabase, Twilio, or Stripe outages).

17Contact Us

For questions about these Terms, to request a refund, or to report a Terms violation, please contact us:

We aim to respond to all inquiries within 2 business days.