Important: This is a starter draft. Have it reviewed by a lawyer licensed in the jurisdictions where you'll have users before going public. The bracketed values at the top of the page file still need to be filled in.
By creating an account or using Healthvocate, you agree to these Terms of Service ("Terms") and our Privacy Policy, which is incorporated by reference. If you don't agree, don't use the service.
Healthvocate is an AI-assisted information service that helps you navigate the U.S. healthcare and benefits system. It analyzes the information you provide and produces suggestions, drafts, and analyses about benefits you may qualify for, potential billing errors, prior-authorization strategy, prescription cost optimization, and Medicare and Social Security claiming options.
Most calculations and conclusions Healthvocate displays are produced by our software using verified public data (CMS Medicare fee schedules, Cost Plus Drugs pricing, Social Security Administration parameters, the OIG List of Excluded Individuals/Entities). The AI's role is to extract structured data from documents you upload and to suggest qualitative flags (for example, "this billing code is worth questioning"). For three features — prior-authorization appeals, bill disputes, and insurer claim reviews — the AI also drafts the body of a letter that you review and digitally sign before anything is sent.
You must be at least 18 years old (or the age of majority in your jurisdiction, if higher) to create an account. You must provide accurate information. You may not create accounts on behalf of another person without their permission, except that household-planning features are designed for use with information about your household members.
You agree not to:
Healthvocate offers a 3-day free trial. After the trial, continued use requires a paid subscription. Subscription fees, billing cycle, and any other commercial terms are presented at the point of upgrade and govern that transaction. Payment processing is handled by Stripe.
Healthvocate's software, content, and brand are owned by DYS Global Macro Trading Corp. You retain ownership of the data you submit. By submitting data, you grant us a limited, worldwide, royalty-free license to use it solely to provide the service to you and, in aggregate and de-identified form, to improve the service. We do not sell your data, we do not use it for advertising, and we do not examine individual data for product improvement without your explicit consent — see our Privacy Policy for details.
The AI-generated outputs (analyses, drafts, letters) are provided to you for your use; we do not claim copyright in outputs you receive. Be aware that AI outputs may include errors — see section 8.
Healthvocate uses Anthropic's Claude API for the AI portions of its analyses. AI systems can produce inaccurate, incomplete, or out-of-date results. You should:
We aim for high quality and continuously refine our prompts and validation, but we make no warranty of accuracy.
For certain features (prior-authorization appeals, bill disputes, insurer claim reviews, benefits applications), Healthvocate can prepare a draft letter or filing addressed to a third party — an insurer, a provider, a government agency, or a pharmacy. No such draft is sent to any third party without your prior review and digital signature.
HIPAA does not apply to Healthvocate. HIPAA (the U.S. Health Insurance Portability and Accountability Act) governs healthcare providers, health plans, and healthcare clearinghouses — together called "covered entities" — and their business associates. Healthvocate is a consumer software service. It is not a covered entity and does not enter into Business Associate Agreements with covered entities. Accordingly, HIPAA's privacy and security rules do not govern your use of Healthvocate or the information you submit to it.
We voluntarily apply security practices comparable to those expected of covered entities (encryption-at-rest for sensitive fields, TLS-in-transit, bcrypt password hashing, audit logging, optional 2FA) — see our Privacy Policy section 10. But you should understand that the specific HIPAA protections you may be accustomed to — such as the right to a HIPAA accounting of disclosures or the right to file a HIPAA complaint with the Department of Health and Human Services — do not attach to information you submit to Healthvocate.
HEALTHVOCATE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT, TO THE FULLEST EXTENT PERMITTED BY LAW. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, OR COMPLETELY SECURE.
TO THE FULLEST EXTENT PERMITTED BY LAW, DYS Global Macro Trading Corp, ITS OFFICERS, EMPLOYEES, AND AGENTS WILL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR FOR LOST PROFITS, REVENUES, OR DATA, ARISING OUT OF YOUR USE OF THE SERVICE, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. OUR AGGREGATE LIABILITY FOR ANY CLAIM ARISING OUT OF OR RELATING TO THESE TERMS WILL NOT EXCEED THE GREATER OF (A) THE AMOUNT YOU PAID US IN THE 12 MONTHS PRECEDING THE CLAIM, OR (B) US$100.
SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF CERTAIN DAMAGES, SO SOME OF THE ABOVE LIMITATIONS MAY NOT APPLY TO YOU.
You agree to indemnify and hold us harmless from claims arising out of (a) your violation of these Terms, (b) your violation of any law, (c) your infringement of any third party's rights through your use of the service, or (d) any submission you sign and authorize Healthvocate to send on your behalf.
You can stop using the service at any time and can delete your account from Account Settings → Delete Account. Your right to export your data before deletion (Account Settings → Export My Data) and what we retain after deletion are described in our Privacy Policy section 8.
We can suspend or terminate accounts that violate these Terms. Upon termination, sections about intellectual property, AI accuracy, disclaimers, limitation of liability, indemnification, and dispute resolution survive.
If you believe content available through Healthvocate infringes a copyright you own, send a notice to support@healthvocate.com that includes:
Counter-notices follow 17 U.S.C. § 512(g). We may terminate the accounts of users who repeatedly infringe.
These Terms are governed by the laws of the State of Wyoming, without regard to conflict-of-laws principles. Disputes will be resolved in the state or federal courts located in Teton County, Wyoming, except where applicable consumer-protection law gives you the right to bring claims in your local jurisdiction. Each party waives any objection to personal jurisdiction or venue in those courts.
We may update these Terms. Material changes will be communicated by email to the address on your account at least 30 days before they take effect. Continued use of the service after the effective date of an update constitutes acceptance. The current version is always linked from the footer of every page and from your Account Settings page.
Questions about these Terms: support@healthvocate.com
Mailing address: 5830 E 2nd St, Ste 7000, Casper, WY 82609