Terms & Conditions

1. Acceptance of Terms

By purchasing or using any Medical Bill Help Kits products, you agree to these Terms & Conditions. If you do not agree, do not purchase or use our products.

2. Educational Resources Only

IMPORTANT: Medical Bill Help Kits provides educational and organizational resources only. Our products are NOT:

• Medical advice or medical services
• Legal advice or legal services
• Financial advice or financial services
• Insurance advice or insurance services
• Professional consultation of any kind

You should consult with qualified professionals (doctors, lawyers, financial advisors, insurance specialists) for advice specific to your situation.

3. No Guarantees or Warranties

We make NO guarantees, warranties, or promises regarding:

• Reduction of medical bills or expenses
• Successful insurance appeals or claims
• Specific outcomes from using our materials
• Accuracy, completeness, or currency of information
• Suitability for your particular circumstances

All products are provided "AS IS" without warranty of any kind, express or implied.

4. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW:

• Medical Bill Help Kits and its owners, operators, and affiliates SHALL NOT BE LIABLE for any direct, indirect, incidental, consequential, special, or punitive damages
• This includes but is not limited to: financial losses, medical expenses, legal fees, denied claims, increased bills, emotional distress, or any other damages
• Our total liability shall not exceed the amount you paid for the product
• You use our products entirely at your own risk

5. User Responsibilities

You are solely responsible for:

• Verifying all information, deadlines, and requirements with your healthcare providers and insurance companies
• Understanding your insurance plan's specific rules and coverage
• Complying with all applicable laws and regulations
• Protecting your personal health information (PHI) and following HIPAA guidelines
• Making your own decisions about how to use the materials
• Seeking professional advice when needed

6. Privacy & Data Protection

When using AI prompts or templates:

• You must redact all personal identifiers before using any AI tools
• We are not responsible for any data you share with third-party AI services
• You acknowledge that third-party AI services have their own privacy policies
• We do not collect, store, or process your medical information

7. Digital Products & Refunds

All sales are final. Due to the nature of digital products:

• No refunds will be issued after download or access
• Products are for personal use only
• You may not share, resell, or redistribute our materials

8. US-Only Content

Our materials are designed for the United States healthcare system only. They may not be applicable or accurate for other countries.

9. Changes to Terms

We reserve the right to modify these terms at any time. Continued use of our products constitutes acceptance of updated terms.

10. Governing Law

These terms are governed by the laws of [Your State/Country]. Any disputes shall be resolved in the courts of [Your Jurisdiction].

⚠️ Critical Disclaimer

BY USING MEDICAL BILL HELP KITS, YOU ACKNOWLEDGE AND AGREE THAT:

• These are educational templates and organizational tools only
• You will verify all information independently
• You will not rely on these materials as professional advice
• You accept all risks associated with using these materials
• Medical Bill Help Kits has no liability for any outcomes