These Terms of Service ("Terms") govern your use of Credimed's services.
These Terms incorporate by reference:
Credimed is not a healthcare clearinghouse, healthcare provider, insurance company, or legal advisor. We use a third-party clearinghouse (currently Availity) to transmit prepared claims. All coverage and reimbursement outcomes — including amounts, processing times, and approval — are determined solely by your insurer.
By using the Service, you represent and warrant that:
Credimed reserves the right to refuse service at its sole discretion.
Credimed provides administrative support for preparing and submitting insurance reimbursement claims.
We do not:
All coverage and reimbursement outcomes — including amounts, timing, and approval — are determined solely by your insurer. Credimed does not control or influence insurer decisions.
Payments are processed via third-party providers.
Refunds are governed exclusively by the Service Agreement and applicable Money-Back Guarantee terms.
You agree NOT to:
Violation may result in suspension or termination.
All content, software, and systems are owned by Credimed.
You may not copy, reproduce, distribute, or exploit any part of the Service without authorization.
Credimed is committed to improving accessibility and working toward WCAG 2.1 AA standards.
If you experience accessibility issues, contact: support@credimed.us
Credimed may suspend or terminate access at any time for violations or operational reasons.
You may close your account at any time by contacting support@credimed.us.
Sections relating to liability, indemnity, and dispute resolution survive termination.
THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE."
CREDIMED DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.
TO THE MAXIMUM EXTENT PERMITTED BY LAW:
CREDIMED SHALL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES.
TOTAL LIABILITY SHALL NOT EXCEED THE AMOUNT PAID BY YOU TO CREDIMED IN THE PRIOR TWELVE (12) MONTHS.
You agree to indemnify and hold harmless Credimed from claims arising from:
Before initiating arbitration, you must email legal@credimed.us with a notice of dispute.
We will attempt to resolve the dispute within thirty (30) days of receipt.
If the dispute is not resolved within thirty (30) days, either party may initiate arbitration.
All disputes shall be resolved through binding arbitration under the AAA Consumer Arbitration Rules.
Arbitration will take place in the consumer's state of residence, or remotely as determined by the AAA.
You may opt out of this arbitration agreement by emailing legal@credimed.us within thirty (30) days of first accepting these Terms.
Your opt-out notice must include:
Either party may bring claims in small claims court where permitted.
Credimed may seek injunctive relief in court for:
Arbitration fees will be allocated in accordance with AAA Consumer Arbitration Rules.
These Terms are governed by the laws of the State of Delaware, without regard to conflict-of-law principles.
Credimed may update these Terms from time to time.
For material changes, we will provide at least thirty (30) days' advance notice via email or through the Service.
If any provision is found invalid, the remaining provisions remain enforceable.
These Terms, together with incorporated documents, constitute the entire agreement.
You may not assign your rights. Credimed may assign freely.
Legal notices must be sent to: legal@credimed.us
Credimed is not liable for failures or delays caused by events beyond our reasonable control, including acts of God, natural disasters, war, terrorism, government actions, network or infrastructure outages (including AWS, Stripe, or insurer systems), labor disputes, or pandemics.
Credimed reserves all rights not expressly granted.
Credimed LLC
Boston, Massachusetts
Legal notices: legal@credimed.us
General support: support@credimed.us
Mailing address: [TO BE PROVIDED]
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