Terms of Service

These Terms of Service ("Terms") govern your access to and use of DenialIQ (the "Service"). By creating an account, you agree to be bound by these Terms. If you do not agree to these Terms, do not use the Service.

1. Description of Service

DenialIQ is a software-as-a-service platform that helps healthcare providers analyze insurance Explanation of Remittance (ERA/835) files, identify potentially recoverable denied claims, and generate draft appeal letters.

DenialIQ is a billing assistance tool, not a legal or medical service. The Service does not constitute legal advice, medical advice, or billing consultation. Appeal letters generated by the Service are drafts for your review and are not guaranteed to be accurate, complete, or appropriate for your specific situation. You are solely responsible for reviewing all generated content before submission.

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

2. Acceptable Use

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

• Upload files you do not have authorization to process.
• Use the Service on behalf of a third party without their authorization.
• Attempt to reverse-engineer, 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 any malicious code, viruses, or disruptive software.
• Share your account credentials with others.

You are responsible for ensuring your use of the Service complies with all applicable laws and regulations, including those governing healthcare billing and patient privacy.

3. Subscription and Payment

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

• Free trial: 14 days from account creation. No credit card required to start. Full access to all features during the trial.
• Monthly plan: $199 per month, billed monthly and automatically renewing.
• Annual plan: $1,908 per year ($159/month equivalent), billed annually and automatically renewing.
• Subscriptions are processed through Stripe. By subscribing, you authorize us to charge your payment method on a recurring basis.
• All subscription fees are non-refundable except as required by law or as expressly stated herein.
• We reserve the right to modify pricing with 30 days' advance notice to active subscribers.

4. Cancellation

You may cancel your subscription at any time through the Billing section of your dashboard.

• Upon cancellation, your subscription will remain active until the end of the current billing period. No partial refunds are issued for unused time within a billing period.
• After cancellation, access to the Service will be disabled and 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. You may request immediate deletion by contacting us.

5. HIPAA Compliance

As a healthcare provider using the Service to process protected health information, you must execute a Business Associate Agreement (BAA) with DenialIQ before using the Service with patient data. By accepting the BAA during account creation, you represent that you are authorized to sign on behalf of your covered entity and that you will use the Service in compliance with HIPAA and all applicable regulations.

6. Intellectual Property

DenialIQ retains all intellectual property rights in the Service, including its software, algorithms, and underlying technology. These Terms do not grant you any right to use DenialIQ's trademarks, logos, or other brand features.

You retain ownership of all data you upload to the Service, including ERA files and claim data. You grant DenialIQ a limited license to process this data solely to provide the Services.

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, OR NON-INFRINGEMENT. DENIALIQ DOES NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, OR FREE OF VIRUSES. DENIALIQ DOES NOT WARRANT THE ACCURACY OR COMPLETENESS OF APPEAL LETTERS OR OTHER CONTENT GENERATED BY THE SERVICE.

8. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, DENIALIQ SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING LOST PROFITS OR REVENUES, LOSS OF DATA, OR LOSS OF GOODWILL, ARISING OUT OF YOUR USE OF THE SERVICE. DENIALIQ'S TOTAL LIABILITY TO YOU FOR ANY CLAIMS ARISING UNDER THESE TERMS SHALL NOT EXCEED THE AMOUNTS PAID BY YOU TO DENIALIQ IN THE 12 MONTHS PRECEDING THE CLAIM.

9. 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 from these Terms or the Service shall first be subject to good-faith negotiation between the parties. If the dispute cannot be resolved within 30 days, it shall be resolved by binding arbitration under the rules of the American Arbitration Association, conducted in Indiana. Notwithstanding the foregoing, either party may seek injunctive relief in any court of competent jurisdiction.

10. Changes to Terms

We may update these Terms from time to time. Material changes will be communicated to active subscribers with at least 15 days' notice before taking effect. Your continued use of the Service after the effective date of the updated Terms constitutes acceptance.

11. Contact

For questions about these Terms, please use the contact form on our website.