Welcome to Fight Health Insurance
These terms of use are entered into by and between you and Totally Legit Co. ("we", “our”, or "us"). The following terms and conditions ("Terms of Use"), govern your access to and use of www.fighthealthinsurance.com (the "Website"), including any functionality or services offered on or through the Website (together with the Website, referred to as the “Services”).
Please read the Terms of Use carefully before you use the Services. BY USING THE SERVICES, YOU ACCEPT AND AGREE TO BE BOUND AND ABIDE BY THESE TERMS OF USE AND OUR PRIVACY POLICY, FOUND AT https://fighthealthinsurance.com/privacy_policy, incorporated herein by reference. If you do not want to agree to these Terms of Use or the Privacy Policy, you must not access or use the Services.
We advocate for holding health insurance companies accountable for improper denials of health insurance claims by providing a tool for generating a template for an appeal to a health insurance claim denial for use by individuals in the United States.
Template appeals and other outputs provided by the Services are created by using machine learning technologies that analyze and use the information you submit to us. When you use the Services, we collect the information that is included in your inputs, file uploads, or other feedback that you provide to the Services. We also use the information you submit through the Services to train large language models that are used in providing the Services. The Services are not intended to collect your medical, healthcare, or insurance information. As such, it is your responsibility to remove all personal information (including your medical, healthcare and insurance information) prior to submitting any information to us. IF YOU SUBMIT TO THE SERVICES ANY PERSONAL INFORMATION, INCLUDING MEDICAL, HEALTHCARE, AND INSURANCE INFORMATION, YOU HEREBY CONSENT TO OUR COLLECTION AND USE OF SUCH INFORMATION CONSISTENT WITH OUR PRIVACY POLICY. If you have mistakenly submitted such information to us or want to delete it, you may use our deletion page at https://fighthealthinsurance.com/remove_data to delete the information or contact us at [email protected] to request deletion of such information.
NEITHER THE SERVICES NOR ANY CONTENT OR OUTPUT FROM THE SERVICES (FOR EXAMPLE, A TEMPLATE FOR YOUR APPEAL) IS INTENDED TO CONSTITUTE OR PROVIDE LEGAL OR MEDICAL ADVICE. YOU SHOULD CAREFULLY READ YOUR HEALTH INSURANCE POLICY AND YOUR APPEAL RIGHTS BEFORE SUBMITTING AN APPEAL, AND CONSULT AN ATTORNEY AND/OR YOUR HEALTH CARE PROVIDER IF YOU HAVE ANY QUESTIONS OR CONCERNS.
The Services are intended for users who are 18 years of age or older. By using the Services, you represent and warrant that you are of legal age to form a binding contract with the Company and meet all of the foregoing eligibility requirements. If you do not meet all of these requirements, you must not access or use the Services.
We reserve the right to withdraw or change the Services, in our sole discretion without notice. We will not be liable if for any reason all or any part of the Services is unavailable at any time or for any period. From time to time, we may restrict access to some or all parts of the Services.
We may require that you provide us certain information about you, such as your name, street address and email address, to use the Services or create an account with us. You must provide accurate and complete information to register for an account. You may not share your account credentials or make your account available to anyone else and are responsible for all activities that occur under your account. If you create an account or use the Services on behalf of another person or entity, you must have the authority to accept these Terms on their behalf. You agree that all information you provide through the Services is governed by our Privacy Policy, and you consent to all actions we take with respect to your information consistent with our Privacy Policy. When you use the Services, information related to you, which may include your sensitive and other personal information, may be generated and stored on your electronic devices. It is your responsibility to manage the security of and access to your devices, and all data stored on your devices (including, for example, deleting temporary documents and information and clearing web browser cache and storage).
When you upload, submit, send or receive information or other content to or through the Services (“Content”), you give us a worldwide license to use, host, store, reproduce, modify, create derivative works (such as those resulting from translations, adaptations or other changes we make so that your Content works better with the Service) of such Content. The rights you grant in this license may be used to provide, maintain, develop, and improve the Services, comply with applicable law, and enforce our terms and policies. You are responsible for all Content, including ensuring that it does not violate any applicable law or these Terms. You represent and warrant that you have all rights, licenses, and permissions needed to provide Content to the Services.
You waive all rights to any and all claims against us, and under no circumstances will we be liable in any way for, your use of any Content, including, but not limited to, any errors or omissions in any Content, or any loss or damage of any kind incurred as a result of your use or misuse of any Content (including, without limitation, your submission or use of any health insurance appeals and any outcomes related to your health insurance appeals). You agree that it is solely your responsibility to evaluate, and bear all risks associated with, your use of any Content, including any reliance on the accuracy, completeness, usefulness, effectiveness or appropriateness of any Content for any purposes. You acknowledge that you may not rely on any Content created by the Service or submitted to the Service to effect any particular result or its suitability for any particular purpose.
When you use the Services you understand and agree:
The Services and their entire contents, features and functionality (including but not limited to all information, software, text, displays, images, video and audio, and the design, selection and arrangement thereof), are owned by us, our licensors or other providers of such material and are protected by United States and international copyright, trademark, patent, trade secret and other intellectual property or proprietary rights laws.
These Terms of Use permit you to use the Services for your personal, non-commercial use only. You may not use the Services for any illegal, harmful, or abusive activity. For example, you may not:
You are free to stop using the Services at any time. We reserve the right to suspend or terminate your access to the Services or delete your account if we determine, in our sole discretion:
If you believe that your intellectual property rights have been infringed, please send notice to [email protected]. Claims concerning copyright infringement must include the following information:
If the Services contains links to other sites and resources provided by third parties, these links are provided for your convenience only. This includes links contained in advertisements, including banner advertisements and sponsored links. We have no control over the contents of those sites or resources, and accept no responsibility for them or for any loss or damage that may arise from your use of them. If you decide to access any of the third party websites linked to the Services, you do so entirely at your own risk and subject to the terms and conditions of use for such websites.
We are based in the state of California in the United States. We provide the Services for use only by persons located in the United States. We make no claims that the Services or any of its content is accessible or appropriate outside of the United States. Access to the Services may not be legal by certain persons or in certain countries. If you access the Services from outside the United States, you do so on your own initiative and are responsible for compliance with local laws.
YOUR USE OF THE SERVICES, INCLUDING ANY CONTENT PROVIDED TO OR OBTAINED THROUGH USE OF THE SERVICES, IS AT YOUR OWN RISK. THE SERVICES, ANY CONTENT OR OTHER INFORMATION OBTAINED THROUGH THE SERVICES ARE PROVIDED ON AN "AS IS" BASIS, WITHOUT ANY WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. NEITHER WE NOR ANY PERSON ASSOCIATED WITH US MAKES ANY WARRANTY OR REPRESENTATION WITH RESPECT TO THE COMPLETENESS, SECURITY, RELIABILITY, QUALITY, ACCURACY OR AVAILABILITY OF THE SERVICES OR ITS OUTPUTS. WITHOUT LIMITING THE FOREGOING, NEITHER WE NOR ANYONE ASSOCIATED WITH US REPRESENT OR WARRANT THAT THE SERVICES, ANY CONTENT OR OTHER INFORMATION OBTAINED THROUGH THE SERVICES WILL BE ACCURATE, RELIABLE, ERROR-FREE OR UNINTERRUPTED, THAT DEFECTS WILL BE CORRECTED, THAT THE SERVICES ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS OR THAT THE SERVICES OR ANY SERVICES, CONTENT, DOCUMENTS OR INFORMATION OBTAINED THROUGH THE SERVICES WILL OTHERWISE MEET YOUR NEEDS OR EXPECTATIONS INCLUDING THE APPROPRIATENESS FOR OR DESIRED RESULT OF ANY USE, SUCH AS ITS APPROPRIATENESS FOR OR SUCCESS IN MAKING AN APPEAL TO A HEALTH INSURANCE CLAIM DENIAL). AS SUCH, WE HEREBY DISCLAIMS ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, STATUTORY OR OTHERWISE, INCLUDING BUT NOT LIMITED TO ANY WARRANTIES OF MERCHANTABILITY, NON-INFRINGEMENT AND FITNESS FOR PARTICULAR PURPOSE. THE FOREGOING DOES NOT AFFECT ANY WARRANTIES WHICH CANNOT BE EXCLUDED OR LIMITED UNDER APPLICABLE LAW.
TO THE FULLEST EXTENT PROVIDED BY LAW, IN NO EVENT WILL WE, OUR AFFILIATES, SERVICE PROVIDERS, EMPLOYEES OR AGENTS BE LIABLE FOR DAMAGES OF ANY KIND, UNDER ANY LEGAL THEORY, ARISING OUT OF OR IN CONNECTION WITH YOUR USE, OR INABILITY TO USE, THE SERVICES, ANY CONTENT OR OTHER INFORMATION OBTAINED THROUGH THE SERVICES, INCLUDING ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO, PERSONAL INJURY, PAIN AND SUFFERING, EMOTIONAL DISTRESS, LOSS OF DATA, AND WHETHER CAUSED BY TORT (INCLUDING NEGLIGENCE), BREACH OF CONTRACT OR OTHERWISE, EVEN IF FORESEEABLE. THE FOREGOING DOES NOT AFFECT ANY LIABILITY WHICH CANNOT BE EXCLUDED OR LIMITED UNDER APPLICABLE LAW.
You agree to defend, indemnify and hold harmless Totally Legit Co., its affiliates, licensors and service providers, and its and their respective officers, directors, employees, contractors, agents, licensors, successors and assigns, from and against any and all claims, liabilities, damages, judgments, awards, losses, costs, expenses or fees (including reasonable attorneys' fees), arising out or relating to:
All matters relating to the Services and these Terms of Use, and any dispute or claim arising therefrom or related thereto (in each case, including non-contractual disputes or claims), shall be governed by and construed in accordance with the internal laws of the State of Delaware without giving effect to any choice or conflict of law provision or rule (whether of the State of Delaware or any other jurisdiction).
Any legal suit, action or proceeding arising out of, or related to, these Terms of Use or the Services shall be instituted exclusively in the federal or state courts located in the State of California. You waive any and all objections to the exercise of jurisdiction over you by such courts and to venue in such courts.
ANY CAUSE OF ACTION OR CLAIM YOU MAY HAVE ARISING OUT OF OR RELATING TO THESE TERMS OF USE OR THE SERVICES MUST BE COMMENCED WITHIN ONE (1) YEAR AFTER THE CAUSE OF ACTION ACCRUES; OTHERWISE, SUCH CAUSE OF ACTION OR CLAIM IS PERMANENTLY BARRED.
If any provision of these Terms of Use is held by a court or other tribunal of competent jurisdiction to be invalid, illegal or unenforceable for any reason, such provision shall be eliminated or limited to the minimum extent such that the remaining provisions of the Terms of Use will continue in full force and effect.
The Terms of Use and our Privacy Policy constitute the sole and entire agreement between you and Totally Legit Co. with respect to the Services and supersede all prior and contemporaneous understandings, agreements, representations and warranties with respect to the Services.
We may update these Terms of Use from time to time in our sole discretion. When we do, we will post an updated version on this page and all changes are effective immediately when we post them, and apply to all access to and use of the Services thereafter. Your continued use of the Services following the posting of revised Terms of Use means that you accept and agree to the changes.
Holden Karau
Address:
9450 SW Gemini Dr PMB 41687
Beaverton, Oregon 97008-7105
Telephone: (202) 938-3266
Email: [email protected]