Terms of Service

Terms of Service

Effective date: October 4, 2026 · Version 1.6

These Terms of Service ("Terms") are a legal agreement between you and VUGA Enterprises LLC ("IsMyBillWrong," "we," "us," or "our"), the operator of IsMyBillWrong.com (the "Service"). By creating an account, uploading a document, or paying for an audit, you agree to these Terms. If you do not agree, do not use the Service.

1. What the Service is

IsMyBillWrong is an AI service that audits medical bills for errors and generates dispute letters for a flat fee. You upload an itemized hospital bill and, where available, your insurance Explanation of Benefits ("EOB"). Our software and AI agents review the line items for common billing errors — duplicate charges, code combinations that should not be billed together, upcoding, charges your insurer already rejected, and similar issues — compare them against published billing rules and statutes, and prepare dispute letters that you send in your own name.

The Service is a document-preparation and billing-advocacy service. We help you organize information and prepare self-help correspondence at your direction.

2. What the Service is NOT — no legal advice, no attorney-client relationship

IsMyBillWrong is not a law firm, is not a lawyer referral service, and does not provide legal advice. We are not your attorney, and using the Service does not create an attorney-client relationship, a fiduciary relationship, or any professional-client privilege. No communication with us is protected by attorney-client privilege.

The audits, findings, citations, letters, and other materials we produce are self-help materials prepared at your direction for your own use. They are general information and document preparation — not legal, medical, tax, or financial advice, and not a substitute for the advice of a licensed attorney. You are responsible for reviewing everything before you send it, for deciding whether to send it, and for how you use it. If you need legal advice, or if your matter involves a lawsuit, a court deadline, or a dispute you cannot resolve yourself, consult a licensed attorney in your state. See our UPL Disclaimer.

3. Eligibility and accounts

You must be at least 18 and able to form a binding contract to use this Service. You can upload a bill and view preliminary findings without an account. One active anonymous case per browser can be resumed or deleted. Browser access expires 24 hours after case creation; unclaimed documents, extracted data, and findings are then queued for durable erasure. Saving results or buying an offer requires a verified account and an explicit case claim before expiry. For an account, keep your login secure and take responsibility for activity under it. We store passwords only as one-way Argon2id hashes and send password-reset and verification links by email. Claimed cases are accessible only to their verified owner.

4. Your representations and responsibilities

By uploading a document or using the Service, you represent and agree that:

• The documents are yours. Each bill, EOB, provider or insurer response, or

letter you upload relates to your own medical care, or to care for which you are the patient's authorized representative, guardian, or agent with the right to act on their behalf.

• Your information is accurate. The account and case information you provide is

true and complete to the best of your knowledge.

• You have the right to share it. You have the legal right to upload the

documents and to have us process the information in them for the purposes described in our Privacy Policy and Consumer Health Data Consent.

• You will use the materials lawfully. You will send dispute letters in your

own name and will not use the Service to submit false, fraudulent, or harassing communications.

• You will review before you act. You understand you are the sender and

decision-maker for every letter, and you will read each document before sending it.

You may not upload malware, attempt to break or overload the Service, scrape it, resell it, or use it to prepare documents for third parties as a business without our written permission.

5. Fees and payment

The preliminary scan and educational content are available nationwide. Paid products are available only when the state where care was delivered is currently active. The live list of active states is on Pricing. If that state is inactive or missing, we do not open paid checkout; you may separately consent to join its waitlist.

The Service uses flat-fee pricing — never a percentage of any savings or recovery. Current fees for eligible cases in active states:

• Free preliminary scan — no charge; deterministic and intentionally

incomplete.

• Standard Audit — $49 — a full OpenAI-assisted audit and findings report;

no dispute letters.

• Complete Dispute Package — $99 — the audit plus a dispute

package for your review with applicable letters, citations, PDFs, mailing guidance, deadlines, and reminders.

• Complete Package upgrade — $50 — available after an unrefunded $49

Standard Audit, so total spend for the audit and upgrade is $99.

• Regulator complaint — $19 — a distinct complaint add-on after a

completed Complete Package.

• Response-aware follow-up — $19 per round — after the initial package is

marked sent, you upload one provider or insurer response as PDF, JPEG, or PNG and receive one tailored follow-up PDF. Each response and purchase creates a separate round.

Payments are processed by Stripe. We do not receive or store your full card number; Stripe handles card data. Prices are in U.S. dollars and may change prospectively; the price shown at checkout is the price you pay for that purchase. Fees are one-time charges for the purchased item — the Service is not a subscription, and add-ons are charged only when you choose to buy one. Duplicate captured payments are automatically sent through our refund process. Paid delivery depends on confirmed payment and completed documents. Returning from checkout does not itself mean a purchase has been delivered; check your account for its status. If technical fulfillment cannot be completed after the retry process, we begin a refund for the failed purchase. A failed add-on does not remove a previously delivered base package.

6. Refunds

Our refund terms are set out in the Refund Policy, which is incorporated into these Terms by reference. In short: the scan is always free, and if you purchase a paid audit and we find no actionable billing issues, you may request a refund within 30 days of purchase as described in that policy, even after delivery. Once the complete, usable purchased report, package, upgrade, or add-on is delivered, change-of-mind refunds are unavailable. Reading or downloading it, deciding not to use it, or a provider or insurer rejecting a dispute does not by itself qualify for a refund. The $50 upgrade and $19 add-ons do not carry a separate no-actionable-findings guarantee. Delivery failures, material errors attributable to us, billing errors, and rights required by applicable law remain covered as described in the Refund Policy. Earlier purchases retain the refund terms applicable when purchased.

7. No guarantee of outcome

Billing disputes depend on facts we do not control — the provider's records, your insurer, applicable law, and how the recipient responds. We do not guarantee any particular result, including that errors will be found, that a bill will be reduced or reversed, that a provider or insurer will respond, or that any amount will be saved. Statements on our site describe what the Service may do and cite sources for any statistics; they are not promises about your specific matter.

8. Third-party services

The Service relies on Stripe (payments), OpenAI API with US-routed processing (document extraction and audit reasoning), and Resend (transactional email). OpenAI does not use API data to train its models by default unless a customer opts in; we do not opt in. OpenAI may retain abuse-monitoring logs. We will not send real customer health documents to OpenAI until the required contractual and US-routing review is complete. Their data handling is described in our Privacy Policy. We are not responsible for third-party acts or omissions beyond our reasonable control.

9. Intellectual property

We own the Service, its software, templates, and content. We grant you a limited, personal, non-transferable license to use the Service and the materials it generates for your own billing dispute. You own the documents you upload and the final letters generated for your matter, and you are free to send and use them.

10. Disclaimer of warranties

The Service is provided "as is" and "as available." To the fullest extent permitted by law, we disclaim all warranties, express or implied, including merchantability, fitness for a particular purpose, accuracy, and non-infringement. We do not warrant that the Service will be uninterrupted or error-free, or that any finding, citation, or letter is complete or correct for your situation. Automated analysis can miss issues or flag items that turn out to be correct; you are responsible for reviewing the results.

11. Limitation of liability

Please read this section carefully — it limits what we can be held responsible for, including for our own errors and omissions.

The Service is an automated, self-help document-preparation tool. It is not a law firm and does not provide legal advice (see Sections 2 and 10). Automated analysis and AI-assisted drafting can miss a billing error, flag an item that is actually correct, cite a rule that does not apply to your facts, or otherwise be incomplete or wrong for your situation, and you are responsible for reviewing every finding, citation, and letter before you rely on it or send it. You accept this risk when you use the Service.

What this section never limits. Nothing in this Section 11 limits or excludes any liability that cannot be limited or excluded under the law that applies to you. This includes liability for fraud or intentional misrepresentation; gross negligence; willful, wanton, or reckless misconduct; death or personal injury caused by our negligence; and violations of law or non-waivable rights and remedies you have under consumer-protection statutes (for example, the California Consumers Legal Remedies Act, Cal. Civ. Code § 1751, and comparable state laws). It also does not limit your refund rights. Where any limitation in this section is not permitted for a particular claim or in your state, that limitation does not apply to that claim, and the rest of this section still applies. You may have rights that vary by state.

Our correction commitment. If the Service delivers an audit, finding, citation, or letter that contains a material error or omission attributable to us, and you tell us within 90 days of delivery, we will promptly correct, re-run the affected audit, or re-issue corrected materials. If we cannot deliver the purchased service as promised, we will refund the affected purchase. This is your first remedy for such an error, and it is in addition to the monetary limits below.

Damages we are not liable for. To the fullest extent permitted by law and subject to the carve-outs above, VUGA Enterprises LLC and its owners, members, officers, employees, and contractors will not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or for lost data, lost goodwill, or lost business or profits, arising out of or relating to the Service or the results it produces — even if we have been advised of the possibility of such damages, and even if a limited or exclusive remedy in these Terms fails of its essential purpose.

Cap on our total liability (errors and omissions included). To the fullest extent permitted by law and subject to the carve-outs above, and regardless of the number of claims or incidents, our total, aggregate liability for all claims arising out of or relating to the Service — including any claim that the Service made an error, omitted or missed a billing issue, produced an inaccurate or incomplete finding or citation, failed to reduce an amount you owe a provider or insurer, or that a letter it prepared was defective, and regardless of the legal theory (contract, warranty, tort including negligence, statute, or otherwise) — will not exceed the greater of (a) the fees you actually paid us for the specific audit, package, or follow-up that gave rise to the claim, or (b) USD $100. This is a single aggregate ceiling; it is not multiplied by the number of audits you have purchased or the number of claims you assert, and, to the extent permitted by law, it includes any award of attorneys' fees and costs. Because the scan is free and our fees are flat and modest, you agree that this is a fair limit that reflects the price you paid and the self-help nature of the Service, and that these limits are an essential basis of the bargain between us — we could not offer the Service at these prices without them.

Your exclusive remedies. Your sole and exclusive remedies for any claim arising out of or relating to the Service are (1) any refund available to you under our Refund Policy and the correction commitment above, and (2) recovery of direct damages, capped as stated above. A refund, where it applies, is credited against any amount payable under the cap.

Time to bring a claim. Any claim arising out of or relating to the Service must be brought within one (1) year after it first accrues, or it is permanently barred — except where applicable law requires a longer period that cannot be shortened by agreement, in which case that period applies.

Notice before suit. Before filing any claim, please give us written notice at [email protected] describing the claim and allow us 30 days to investigate and try to resolve it (for example, by re-running the audit or issuing a refund).

Some jurisdictions do not allow certain of these exclusions or limitations, so parts of this section may not apply to you. Where any part is held unenforceable, it will be enforced to the maximum extent permitted, and the rest of this section will remain in effect.

12. Indemnification

You agree to indemnify and hold harmless VUGA Enterprises LLC from claims arising out of your misuse of the Service, your breach of these Terms, your representations in Section 4, or documents you send.

13. Dispute resolution; arbitration and venue

Except for the exceptions below, you and IsMyBillWrong agree to resolve disputes arising from these Terms or the Service through binding individual arbitration administered by JAMS before one neutral arbitrator. This means both parties give up a jury trial and class proceedings for claims subject to arbitration.

JAMS will apply its Streamlined Arbitration Rules and Procedures and its Consumer Minimum Standards. Both parties may participate in selecting the arbitrator, use counsel, exchange relevant nonprivileged information, and receive a reasoned written award. Applicable statutory remedies remain available, notwithstanding any conflicting limitation elsewhere in these Terms.

Venue. The designated location is Miami, Florida. The local administrator is JAMS Miami Resolution Center, One Biscayne Tower, 2 South Biscayne Boulevard, Suite 3600, Miami, Florida. Remote proceedings or another reasonably accessible hearing location may be arranged under JAMS rules; this venue provision must not prevent a consumer from accessing arbitration. Rules and filing instructions are available at jamsadr.com. JAMS selects or appoints an individual arbitrator through its procedures; no particular individual is designated in advance.

Costs and exceptions. If you initiate arbitration, your required JAMS fee will not exceed $250, or a lower amount required by applicable law or JAMS policy. We pay the remaining administrative and arbitrator fees. If we initiate, we pay all such fees. Either party may instead pursue an eligible claim in small-claims court. Nothing prevents complaints to government agencies or limits rights or remedies that cannot lawfully be waived.

Opt-out. You may reject this arbitration agreement by emailing [email protected] within 30 days after first accepting these Terms. Include your name, account email, and a clear statement that you opt out of arbitration; do not include medical records. Opting out does not affect your access to the Service. Neither party will then be required to arbitrate under this section.

Governing law and court proceedings. Florida law governs these Terms, subject to controlling federal law and nonwaivable consumer protections. The Federal Arbitration Act governs the arbitration agreement. Claims properly proceeding in court may be brought in a court with jurisdiction in Miami-Dade County, Florida, subject to small-claims rights and any other venue required by applicable law. If JAMS cannot administer a dispute, the parties may agree on another provider; without agreement, either may proceed in a court with jurisdiction. If a court finds the class-proceeding restriction unenforceable for a claim, that claim will proceed in court rather than class arbitration.

14. Termination

You may close a case, withdraw processing consent, or request case or account deletion from your account controls. Deletion requires current-password confirmation, immediately revokes access, and starts the deletion process. See the Privacy Policy for retention and verified support assistance. We may suspend or terminate your access if you breach these Terms, misuse the Service, or to comply with law. Sections that by their nature should survive (fees owed, disclaimers, limitation of liability, indemnification, dispute resolution) survive termination.

15. Changes to these Terms

We may update these Terms prospectively. When we make material changes we will update the version and effective date above and, where appropriate, notify you. Your continued use after changes take effect means you accept the updated Terms.

16. Contact and entity information

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

Related documents: Privacy Policy · Refund Policy · UPL Disclaimer · Consumer Health Data Consent