BillRight Terms and Conditions

The agreement

By using BillRight, you agree to these terms. If you don't agree, please don't use it.

• "BillRight," "we" and "us" mean Fratelli Operations LLC, a Wyoming limited liability company, which operates BillRight.
• Our Privacy Policy and Consumer Health Data Privacy Policy explain how we handle your information. Agreeing to these terms is not consent to collect or share your health information; we ask for that separately before you upload.

Who can use BillRight

You must be 18 or older and in the United States. You may upload a bill that is yours, or one you are responsible for or have permission to handle, such as your child's or a family member's.

What BillRight is, and what it isn't

BillRight helps you spot charges worth questioning on a medical bill and write letters you send yourself. You decide what to send.

• Not legal or medical advice. We aren't lawyers, doctors, insurance agents or debt counselors, and using BillRight doesn't create that kind of relationship.
• No guaranteed result. We can't promise that any provider, insurer or collector will change, reduce or cancel a bill.
• We don't act for you. We don't contact your provider or insurer, negotiate, or send anything on your behalf.
• Automated reading can make mistakes. AI services read your pages, and our rules check them against public billing data that can be incomplete or out of date. A finding is a charge worth asking about, not proof of an error. Check the details we show you, and review every letter before you send it.
• Watch your deadlines. Asking about a charge doesn't automatically pause a bill or a collection. Keep track of your own due dates and appeal deadlines.

We may change, pause or stop any part of BillRight.

Your responsibilities

You're responsible for what you upload and for the letters you choose to send.

• Upload only real medical bills and EOBs that you have the right to share, and give accurate answers.
• Review your letters and fix anything wrong before you send.
• Keep your case link, letters link and bill pack pass code private. Anyone who has them can open your case or use your credits.

Don't:

• Upload someone else's bill without permission, or anything that isn't a medical bill or EOB.
• Use BillRight to harass anyone, make false claims, or commit fraud.
• Try to break, overload, probe or get around our security, limits or payment.
• Copy, scrape or resell BillRight, or use it to build a competing service.
• Upload files with malicious code.

We may refuse or end access for anyone who breaks these rules.

Prices and payment

Checking a bill is free. Letters are a one-time payment shown before you pay, and nothing renews.

Prices on the Pricing page and at checkout are the ones that apply. Payments go through Stripe, which accepts cards, Apple Pay and Google Pay. Your letters are written after your payment is confirmed.

Bill packs.

• One credit covers the Single Bill Pack letters for one bill, including follow-ups. A No Surprises Act guide and letter are included when flagged. A financial assistance cover letter is included when we find a charity-care issue, and an insurance appeal letter when we find a denial issue.
• Credits expire 12 months after purchase. We use the credit from the pack that expires soonest.
• After you pay, you get a pass code, shown once. Anyone you give the code to can use your credits. Packs bought with the same email add to the same code.
• You can use a credit on any bill you started in the last 24 hours and haven't paid for. Bills already paid by card don't get a credit back.

Getting your money back

To request a refund, email support@getbillright.com.

Your files, your letters, our service

• Your files stay yours. You let us use them only to run BillRight for you, as our Privacy Policy describes.
• Your letters are yours to use. Send, edit or share them as you like.
• BillRight is ours. Our site, rules, software, text and design belong to BillRight. Don't copy them except to use the service.
• Feedback. If you send ideas or a review, we may use them without paying you. We quote reviews only with your permission.

Privacy and deletion

Your files are deleted within 24 hours, unless you choose to share them, and your letters are deleted 7 days after they're written. Save or download your letters before then; once deleted, we can't get them back. "Delete now" removes your case right away. The Privacy Policy lists everything we keep and for how long, including copies our service providers hold. Copies of emails we send you are kept by our email provider for up to 30 days.

Disclaimers

BillRight is provided "as is" and "as available." To the extent the law allows, we make no promise that it will be error-free, uninterrupted, or right for your situation, and we disclaim implied warranties of merchantability, fitness for a particular purpose and non-infringement. Some states don't allow these disclaimers, so they may not all apply to you.

Limits on our liability

To the extent the law allows:

• We aren't liable for indirect, incidental, special or consequential losses, or for what a provider, insurer or collector decides about your bill.
• Our total liability for any claim about BillRight is limited to the greater of what you paid us in the 12 months before the claim, or $50.

These limits don't apply to liability the law doesn't let us limit, such as for gross negligence, willful misconduct, or our duties under privacy and data-breach laws.

If you break these terms

If you misuse BillRight or break these terms, and someone makes a claim against us because of it, you agree to cover our reasonable losses and costs from that claim, as far as the law allows.

Disputes

If you have a problem, email support@getbillright.com first, and we'll try to fix it within 30 days. If we can't:

• Arbitration. You and BillRight agree to settle any dispute about BillRight or these terms by binding individual arbitration with the American Arbitration Association, under its Consumer Arbitration Rules. You can ask for the hearing to be by phone, by video, or in the county where you live.
• No class actions. Claims may be brought only individually, never as part of a class, group or representative action.
• Small claims. Either of us may take an individual claim to small claims court instead, if it qualifies.
• 30-day opt-out. You can opt out of arbitration by emailing support@getbillright.com within 30 days of first using BillRight, with "Arbitration opt-out" in the subject and the email address you used. Opting out changes nothing else in these terms.
• Courts. Any dispute that doesn't go to arbitration or small claims, including if you opt out, goes to the state or federal courts in Wyoming, and you and BillRight agree to their jurisdiction.

These terms are governed by the laws of the State of Wyoming, except where your state's consumer protection laws give you more rights.

Changes to these terms

We'll post any change here with a new effective date. Changes apply to use after that date, never to a purchase you already made.

Other terms

If a court finds part of these terms unenforceable, the rest still applies. If we don't enforce a term right away, we haven't waived it. These terms, our Privacy Policy and our Consumer Health Data Privacy Policy are the whole agreement between you and BillRight.

Contact

Email support@getbillright.com.