By downloading, installing, or using MediBillAI ("App"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, do not use the App. These Terms constitute a legally binding agreement between you and Alzhan Group LLC ("we", "us", or "our").
MediBillAI is a mobile application that helps users understand their health insurance benefits, Explanation of Benefits (EOB) documents, and medical bills using artificial intelligence. The App may connect to your health insurer or Medicare via FHIR APIs to retrieve your claims and coverage data with your explicit consent.
MediBillAI is not a medical provider, insurance company, or licensed health plan. Information provided by the App is for informational purposes only and does not constitute medical advice, insurance advice, or legal advice.
You must be at least 18 years old to use the App. By using the App, you represent and warrant that you meet this requirement and that all information you provide is accurate and complete.
You are responsible for maintaining the confidentiality of your account credentials and for all activity that occurs under your account. Notify us immediately at hello@alzhangroupllc.com if you suspect unauthorized access to your account.
The App may connect to your health insurer or to the Centers for Medicare & Medicaid Services (CMS) Blue Button API on your behalf to retrieve your claims, coverage, and benefit data. By connecting an account, you:
We do not permanently store your raw FHIR health data on our servers. Data retrieved is processed in real time to provide App features and is not retained beyond your session unless necessary for core functionality.
The App uses artificial intelligence (Anthropic's Claude API) to analyze your insurance documents and provide explanations. You acknowledge that:
Access to premium features requires a paid subscription. Subscriptions are billed through the Apple App Store or Google Play Store and are subject to their respective terms.
You agree not to:
All content, features, and functionality of the App — including but not limited to text, graphics, logos, and software — are the exclusive property of Alzhan Group LLC and are protected by applicable intellectual property laws. You may not reproduce, distribute, or create derivative works without our express written permission.
THE APP IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE APP WILL BE UNINTERRUPTED, ERROR-FREE, OR FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.
We do not guarantee the accuracy, completeness, or timeliness of any health or insurance data retrieved from third-party APIs. Data accuracy is dependent on the information provided by your insurer or Medicare.
TO THE FULLEST EXTENT PERMITTED BY LAW, ALZHAN GROUP LLC SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM YOUR USE OF OR INABILITY TO USE THE APP, INCLUDING BUT NOT LIMITED TO LOSS OF DATA, LOSS OF PROFITS, OR PERSONAL INJURY, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
OUR TOTAL LIABILITY TO YOU FOR ANY CLAIMS ARISING FROM YOUR USE OF THE APP SHALL NOT EXCEED THE AMOUNT YOU PAID FOR THE APP IN THE TWELVE MONTHS PRECEDING THE CLAIM.
You agree to indemnify and hold harmless Alzhan Group LLC and its officers, directors, employees, and agents from any claims, damages, losses, liabilities, and expenses (including reasonable attorneys' fees) arising from your use of the App, your violation of these Terms, or your violation of any rights of a third party.
The App integrates with third-party services including health insurers, the CMS Blue Button API, Anthropic Claude API, and payment processors. Your use of these services is subject to their respective terms and privacy policies. We are not responsible for the availability, accuracy, or practices of third-party services.
We reserve the right to suspend or terminate your access to the App at any time for violation of these Terms or for any other reason at our discretion. You may terminate your account at any time by deleting the App and cancelling your subscription. Termination does not entitle you to a refund of any prepaid subscription fees.
We may update these Terms from time to time. We will notify you of material changes by updating the date at the top of this page and, where appropriate, through a notice in the App. Continued use of the App after changes take effect constitutes your acceptance of the revised Terms.
These Terms are governed by and construed in accordance with the laws of the State of Texas, without regard to its conflict of law principles. Any disputes arising under these Terms shall be resolved in the state or federal courts located in Texas.
If you have any questions about these Terms of Service, please contact us: