Refund Policy

Refund Policy

Effective date: October 4, 2026 · Version 1.4

IsMyBillWrong is an AI service that audits medical bills for errors and generates dispute letters for a flat fee. This Refund Policy explains when you can get your money back. It is part of our Terms of Service and is incorporated into them by reference.

The scan is always free

The preliminary scan is free — there is nothing to refund because you are never charged for it. You only pay if you choose to buy a paid audit or package.

After delivery

Once we deliver the complete, usable report, package, upgrade, or add-on you purchased, change-of-mind refunds are unavailable. Reading or downloading the materials, deciding not to use them, or a provider or insurer rejecting your dispute does not by itself qualify for a refund. You are purchasing the analysis and materials described for your product; we do not guarantee savings or a successful dispute.

This rule does not remove the no-actionable-findings guarantee below, remedies for delivery failures or material errors attributable to us, refunds for billing errors, or any rights required by applicable law. Merely generating a file does not establish that we delivered a complete, usable purchased service.

This version applies to purchases made on or after its effective date. Earlier purchases retain the refund terms applicable when they were made.

Paid audits — refund if we find nothing actionable

Paid products are available only for eligible cases where care was delivered in a state currently active on Pricing. Cases in inactive states may join the consent-based waitlist:

• Standard Audit — $49 — audit report, no letters
• Complete Dispute Package — $99
• Complete Package upgrade after a paid Standard Audit — $50
• Regulator complaint — $19
• Response-aware follow-up round — $19 each

If you purchase a Standard Audit ($49) or Complete Dispute Package ($99) and our audit finds no actionable billing issues in your bill — meaning no supportable finding you could reasonably dispute — you may request a full refund of that purchase within 30 days of purchase, even after report delivery.

What "actionable findings" means. If the audit produces one or more supported findings (for example, a duplicate charge, a code combination that should not be billed together, an apparent upcode, a charge your EOB shows was rejected, or a similar issue) with an explanation and a citation, the audit has delivered its result and is not refundable on the "no findings" basis, even if the provider or insurer ultimately disagrees or does not respond. Because we cannot control how a provider or insurer responds, the refund is based on whether we found actionable issues — not on the outcome of your dispute. We never guarantee a particular result.

$50 upgrades. The upgrade adds dispute-package materials to a previously purchased Standard Audit. It does not create a separate no-actionable-findings guarantee for the upgrade fee. Delivery and material-error remedies still apply.

$19 add-ons. A regulator complaint and a response-aware follow-up round are distinct products. A follow-up round covers one uploaded provider or insurer response and one tailored follow-up PDF. Because each is produced on request, it is generally non-refundable once delivered. If an add-on you paid for was not delivered, or was delivered incorrectly through our error, contact us and we will re-issue it or refund it.

Technical fulfillment failures

We make up to eight bounded fulfillment attempts. If a technical failure prevents delivery after those attempts, we automatically begin a refund for the failed purchase. You do not need to submit a separate request for that terminal technical failure. A refund can remain pending while our payment processor completes it; your account shows the current status. Contact support if it needs attention.

A failed complaint or follow-up add-on does not remove a previously delivered base package. The automatic refund concerns the failed purchase, not work already delivered under another purchase. Letters are delivered only when their required PDFs are available.

Other situations we'll make right

• Materially incorrect or incomplete delivered materials attributable to us —

tell us within 90 days of delivery. We will promptly correct, re-run, or re-issue the affected work. If we cannot deliver the purchased service as promised, we will refund the affected purchase. This remedy also applies after delivery.

• Duplicate or accidental charge — refunded in full.
• Terminal technical failure on our side — automatically enters the refund

process described above. Contact support about incorrect delivered materials.

• You were charged the wrong amount — we refund the difference.

How to request a refund

Email [email protected] from the email address on your account. Request a no-actionable-findings refund within 30 days of purchase; report material errors or omissions attributable to us within 90 days of delivery. These request windows do not limit rights required by applicable law. Include your account email and the approximate date of purchase, and briefly tell us why. You do not need to justify a "no actionable findings" request beyond identifying the purchase — we will check the audit result. Do not attach medical documents or send passwords. If you cannot access your account, support will verify ownership independently before discussing a case. A request for a no-actionable-findings refund is different from the automatic refund for a terminal technical fulfillment failure.

Timeline

We aim to review your request within 5 business days and, if approved, to issue the refund within 5–10 business days to your original payment method through Stripe. The time for the refund to appear on your statement depends on your bank or card issuer.

Questions

Email [email protected]. See also our Terms of Service and Privacy Policy.

---

VUGA Enterprises LLC · 18117 Biscayne Blvd unit 1039, Aventura, FL 33160 · [email protected]