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Terms of Service

Effective Date: May 7, 2026 (Updated)

These Terms of Service ("Terms") govern your access to and use of the DenialIQ platform ("Service") operated by [Your Legal Name], operating as DenialIQ ("we," "us," or "our"). By creating an account or using the Service you agree to be bound by these Terms and our Business Associate Agreement and Privacy Policy, each of which is incorporated herein by reference. If you do not agree, do not use the Service.

1. Description of Service

DenialIQ is a software-as-a-service platform designed for licensed mental health therapists and behavioral health practices. The Service provides:

  • Parsing and analysis of ANSI X12 837/835 (ERA) electronic remittance advice files
  • Artificial-intelligence-assisted identification of denied and underpaid insurance claims
  • Generation of draft appeal letters and supporting documentation for claim reconsideration
  • A dashboard for tracking appeal status and recovery outcomes

DenialIQ is a billing assistance tool only. Nothing in the Service constitutes legal advice, medical advice, or professional billing consultation. Appeal letters generated by the Service are drafts for your review. You are solely responsible for verifying accuracy, completeness, and compliance with payer requirements before submission.

We make no guarantee regarding appeal outcomes. Denial recovery depends on payer-specific policies, clinical documentation, filing deadlines, and other factors outside our control.

2. HIPAA and Business Associate Agreement

You acknowledge that you are a HIPAA Covered Entity (or acting on behalf of one) and that DenialIQ acts as your Business Associate in processing protected health information ("PHI") contained in ERA files you upload.

A signed Business Associate Agreement is required before uploading any PHI. By completing account registration and accepting the BAA checkbox, you electronically execute the DenialIQ Business Associate Agreement and represent that you are authorized to do so on behalf of your covered entity. You agree to use the Service in compliance with HIPAA, HITECH, and all applicable state and federal laws governing the privacy and security of health information.

3. Acceptable Use

You agree to use the Service only for lawful purposes. You shall not:

  • Upload ERA files you do not have lawful authorization to process.
  • Use the Service to process PHI of patients whose covered entity has not authorized such processing.
  • Share account credentials or allow multiple individuals to use a single account.
  • Attempt to reverse-engineer, decompile, copy, or resell the Service or its underlying technology.
  • Use the Service in any manner that violates HIPAA, HITECH, or applicable state privacy laws.
  • Transmit malicious code, viruses, or disruptive software to or through the Service.
  • Scrape, extract, or harvest data from the Service through automated means.
  • Misrepresent your identity, credentials, or the nature of your practice.

We reserve the right to suspend or terminate accounts that violate these restrictions without prior notice.

4. Subscription and Payment

Access to the full Service requires a paid subscription after the conclusion of any applicable free trial period.

  • Free trial: 7 days from account creation. No credit card required to start. Full access to all features during the trial period.
  • Monthly plan: $199 per month, billed monthly on a recurring basis.
  • Annual plan: $1,908 per year ($159/month equivalent), billed annually on a recurring basis.
  • Payments are processed by Stripe, Inc. By subscribing you authorize us to charge your payment method on a recurring basis until you cancel.
  • All fees are stated in U.S. dollars and are non-refundable except as required by applicable law or as expressly stated in these Terms.
  • We reserve the right to modify pricing with at least 30 days' written notice to active subscribers. Your continued use after the effective date of a price change constitutes acceptance.

5. Cancellation

  • You may cancel your subscription at any time through the Billing section of your dashboard.
  • Upon cancellation your subscription remains active through the end of the current billing period. No partial refunds are issued for unused time.
  • After the billing period ends, access to the Service will be suspended. You will no longer be able to upload files or generate appeal letters.
  • Your data will be retained for 90 days following cancellation, after which it will be permanently deleted in accordance with our data retention policy. You may request earlier deletion by contacting us.

6. Intellectual Property

We retain all intellectual property rights in the Service, including its software, algorithms, models, and branding. These Terms grant you a limited, non-exclusive, non-transferable license to access and use the Service for your internal business purposes during your subscription term. You receive no other rights in the Service.

You retain full ownership of all data you upload to the Service, including ERA files and claim data. You grant us a limited license to process that data solely to provide the Service to you. We do not claim ownership of your PHI or practice data.

7. Disclaimer of Warranties

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTY OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, OR NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, OR FREE OF HARMFUL COMPONENTS. WE DO NOT WARRANT THE ACCURACY, COMPLETENESS, OR SUITABILITY OF ANY APPEAL LETTERS, ANALYSIS, OR OTHER CONTENT GENERATED BY THE SERVICE FOR ANY PARTICULAR PURPOSE OR PAYER. YOUR USE OF THE SERVICE IS AT YOUR OWN RISK.

8. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL DENIALIQ, ITS OPERATORS, EMPLOYEES, AGENTS, OR LICENSORS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOST PROFITS, LOST REVENUE, LOSS OF DATA, LOSS OF GOODWILL, COST OF SUBSTITUTE SERVICES, OR BUSINESS INTERRUPTION, ARISING OUT OF OR RELATED TO YOUR USE OF OR INABILITY TO USE THE SERVICE, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

OUR TOTAL CUMULATIVE LIABILITY TO YOU FOR ALL CLAIMS ARISING UNDER OR RELATED TO THESE TERMS OR THE SERVICE, REGARDLESS OF THE FORM OF ACTION OR THE BASIS OF THE CLAIM, SHALL NOT EXCEED THE TOTAL FEES PAID BY YOU TO US IN THE TWELVE (12) MONTHS IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO THE CLAIM.

9. Termination

Either party may terminate these Terms and your access to the Service:

  • You may terminate at any time by canceling your subscription and ceasing use of the Service.
  • We may suspend or terminate your access immediately, without prior notice or liability, if you breach any provision of these Terms, violate HIPAA or applicable law, or engage in conduct that we determine poses a risk to other users or the Service.
  • We may terminate the Service entirely with 30 days' written notice to active subscribers.
  • Upon termination, your right to use the Service immediately ceases. Sections 6 through 11 survive termination.

10. Governing Law and Disputes

These Terms are governed by and construed in accordance with the laws of the State of Indiana, without regard to its conflict-of-law provisions.

Any dispute arising out of or relating to these Terms or the Service shall first be subject to good-faith negotiation between the parties for a period of 30 days. If the dispute cannot be resolved through negotiation, it shall be finally resolved by binding arbitration administered by the American Arbitration Association under its Commercial Arbitration Rules, with proceedings conducted in Indiana. Judgment on the arbitration award may be entered in any court of competent jurisdiction.

Notwithstanding the foregoing, either party may seek injunctive or other equitable relief in any court of competent jurisdiction to prevent actual or threatened infringement of intellectual property rights or unauthorized disclosure of confidential information.

11. General Provisions

  • Entire agreement: These Terms, together with the BAA and Privacy Policy, constitute the entire agreement between you and us regarding the Service and supersede all prior agreements.
  • Severability: If any provision is found unenforceable, the remaining provisions remain in full force and effect.
  • No waiver: Our failure to enforce any right or provision does not constitute a waiver of that right or provision.
  • Assignment: You may not assign these Terms without our prior written consent. We may assign these Terms in connection with a merger, acquisition, or sale of assets.
  • Changes: We may update these Terms from time to time. Material changes will be communicated to active subscribers with at least 15 days' notice. Continued use after the effective date constitutes acceptance.

12. Contact

For questions about these Terms, please contact us at privacy@denialiq.com or through the contact form on our website.