By accessing or using Credimed's website, mobile experience, or related services (collectively, the "Service"), you ("you" or "Member") agree to these Terms of Service ("Terms"). If you do not agree, do not use the Service.
The Service is offered by Credimed, Inc. ("Credimed," "we," "us," or "our"), a Delaware corporation.
You must be at least 18 years old, a United States resident, and the named beneficiary on a private dental insurance policy issued by a US-licensed insurer to use the Service. You may submit claims for a minor dependent if you are the insured policyholder.
Credimed assists Members with the preparation, review, and submission of dental insurance reimbursement claims for dental care performed by licensed dental providers in Mexico. Credimed is not a healthcare provider, insurance company, or legal advisor. Outcomes (including reimbursement amounts, processing times, and approval) are determined by your insurer. Credimed does not control insurer decisions.
In addition to these Terms, your use of the claim-submission service is governed by the Credimed Member Service Agreement (currently version 1.2), which you electronically sign before payment. The Service Agreement covers fees, refund eligibility, the conditional money-back guarantee, exclusions, and the limited scope of Credimed's role. Read the current version: AGREEMENT v1.2.
Service fees are based on claim complexity (Standard $49, Plus $79, Premium $99) plus $19 per additional resubmission beyond what your plan includes. Payment is required before submission. Refund eligibility is governed by Section 2 of the Member Service Agreement.
You agree to:
Misrepresentation may result in account termination and forfeiture of fees, and may violate federal anti-fraud laws (18 U.S.C. § 1347).
All content on the Service — including text, graphics, logos, software, and the Credimed name and brand — is owned by Credimed or its licensors and is protected by US and international copyright, trademark, and other intellectual property laws. You may not copy, modify, distribute, sell, or lease any part of the Service without our prior written consent.
You are responsible for maintaining the confidentiality of your account credentials and for all activity that occurs under your account. Notify us immediately at support@credimed.us if you suspect unauthorized access.
You may close your account at any time by emailing support@credimed.us. We may suspend or terminate your access for violation of these Terms, the Service Agreement, or applicable law. Sections that by their nature should survive termination (including intellectual property, limitation of liability, indemnity, and dispute resolution) will survive.
THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, OR ACCURACY. CREDIMED DOES NOT WARRANT THAT YOUR CLAIM WILL BE APPROVED OR PAID BY YOUR INSURER.
TO THE MAXIMUM EXTENT PERMITTED BY LAW, CREDIMED'S TOTAL LIABILITY ARISING OUT OF OR RELATING TO THE SERVICE WILL NOT EXCEED THE AMOUNT OF FEES YOU PAID TO CREDIMED IN THE TWELVE (12) MONTHS PRECEDING THE EVENT GIVING RISE TO LIABILITY. CREDIMED WILL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, EVEN IF ADVISED OF THE POSSIBILITY.
Note: limitation of liability is subject to state law. Some states do not allow exclusion of certain damages.
You agree to indemnify and hold harmless Credimed and its officers, directors, employees, and agents from any claim, demand, or damage arising out of (i) your breach of these Terms or the Service Agreement, (ii) your violation of law, or (iii) information you submit through the Service.
Any dispute arising out of or relating to these Terms or the Service will be resolved by binding arbitration administered by the American Arbitration Association under its Consumer Arbitration Rules. The arbitration will take place in [VENUE TO BE SPECIFIED]. You and Credimed each waive the right to bring or participate in any class action.
Note: arbitration and class-action waiver clauses are subject to evolving state and federal enforceability rules. Counsel must review.
These Terms are governed by the laws of the State of Delaware, without regard to its conflict-of-laws principles. Subject to Section 13, exclusive jurisdiction lies in the state and federal courts located in Wilmington, Delaware.
We may modify these Terms at any time. Material changes will be communicated through the Service or by email. Continued use of the Service after notice constitutes acceptance.
Credimed, Inc.
Email: support@credimed.us
Legal notices: legal@credimed.us
Mailing address: [TO BE PROVIDED]