1. Acceptance of Terms

By accessing or using FiatVera ("the Service"), you agree to be bound by these Terms of Service. If you do not agree to these terms, do not use the Service.

2. Description of Service

FiatVera provides a free, AI-powered medical bill analysis tool. The Service allows users to upload medical bills for automated analysis, which includes:

Extraction of billing codes (CPT, ICD-10), charges, and provider information
Comparison of charges against CMS Medicare reimbursement rates
Detection of potential billing errors (duplicates, unbundling, upcoding, excessive charges)
Generation of dispute letters and phone scripts

3. Not Legal, Medical, or Financial Advice

FiatVera is not a law firm, medical billing company, healthcare provider, or financial advisor. The Service provides AI-powered analysis tools and informational estimates only. All output — including audit reports, dispute letters, and phone scripts — is generated by artificial intelligence and should be reviewed by the user before use.

You should not rely on the Service as a substitute for professional legal, medical, or financial advice. We recommend consulting with qualified professionals for specific billing disputes or legal matters.

4. User Responsibilities

You agree to:

Upload only your own medical bills or bills you are authorized to review
Review all AI-generated content before sending it to any party
Use the Service for lawful purposes only
Accept that results may contain inaccuracies and verify important information independently

5. Accuracy and Limitations

While we strive for accuracy, the Service has inherent limitations:

AI extraction may misread or misinterpret bill content
Medicare rate comparisons use national averages and may not reflect local pricing adjustments
Error detection is based on common patterns and may produce false positives or miss certain errors
Generated letters and scripts are templates and may need customization for your specific situation

We make no warranties regarding the accuracy, completeness, or suitability of the analysis for any particular purpose.

6. Data Handling

Uploaded medical bills are processed in real-time and are not permanently stored. See our Privacy Policy for full details on data handling.

7. Intellectual Property

The Service, including its design, functionality, and content, is owned by FiatVera. Dispute letters and phone scripts generated for your use may be freely used, modified, and distributed by you.

8. Limitation of Liability

To the maximum extent permitted by law, FiatVera shall not be liable for any indirect, incidental, special, consequential, or punitive damages resulting from your use of the Service. This includes, but is not limited to, damages arising from:

Inaccurate analysis or billing error detection
Actions taken based on generated dispute letters or phone scripts
Decisions made in reliance on the Service's output
Inability to access or use the Service

9. Indemnification

You agree to indemnify and hold harmless FiatVera from any claims, damages, or expenses arising from your use of the Service or violation of these Terms.

10. Modifications

We reserve the right to modify these Terms at any time. Continued use of the Service after modifications constitutes acceptance of the updated Terms.

11. Termination

We may suspend or terminate access to the Service at any time, for any reason, without notice.

12. Governing Law

These Terms are governed by the laws of the United States. Any disputes shall be resolved in accordance with applicable federal and state law.

13. Contact

For questions about these Terms, contact us at support@fiatvera.com.