Terms of Service

1. Eligibility

The Service is available exclusively to individuals who:

1. Are at least 18 years old, and
2. Are located in one of the countries where we offer the Service.

By using the Service, you represent and warrant that you meet both conditions. Features vary by country: benchmarks, supported verticals, billing currency, and pricing differ between markets, and medical bill audits are available only in the United States (they depend on U.S.-specific law and pricing data). We may restrict or revoke access where we do not offer the Service or where your use violates applicable law.

2. Acceptable Use

You agree to:

• Access the Service personally. Bots, scrapers, automated agents, or any other unauthorized access tools are prohibited.
• Respect the rate limits and fairness controls applied to your account. Repeated or systematic excess use may be throttled, suspended, or terminated without notice.
• Upload only quotes that you own or that you are authorized to submit, and only quotes that are accurate to the best of your knowledge.
• Submit to the Wall of Shame only information you have a right to publicly share. Do not include contractor names, personal names, street addresses, phone numbers, neighborhoods, or any other information that could identify a specific business or individual. You are responsible for what you submit.
• Use the Contact Form only for lawful messages. Automated submissions, bulk commercial solicitations, harassment, and any attempt to circumvent our spam protections are prohibited.
• Do not resell, sublicense, or commercially redistribute any audit Output.
• Do not reverse-engineer, decompile, scrape, data-mine, or attempt to clone any portion of the Service.
• Do not attempt to access any non-public area of the Service, probe for credentials, bypass authentication or rate-limit controls, or interfere with our security mechanisms. Unauthorized access attempts may be referred to law enforcement under the U.S. Computer Fraud and Abuse Act (18 U.S.C. § 1030) or equivalent state statutes.
• Do not enumerate, harvest, or brute-force any link or token issued by the Service. Read-only audit share links are intended for the recipients you choose to send them to; do not republish, sell, or otherwise distribute share links beyond their intended audience.
• Do not use the Service to harass, defame, defraud, or otherwise harm any other person, and do not use it in violation of any applicable law.

We may suspend or terminate any account that violates these Terms, without prior notice and without a right of appeal.

3. Service Commitments & Availability

• Availability target. We design the Service for at least 99% monthly availability when our infrastructure and third-party providers are operational. This is a goal, not a guaranteed service-level agreement, and does not create service credits.
• Maintenance. We schedule planned maintenance during U.S. nighttime hours and provide at least 48 hours' notice through in-product notices or email when downtime is expected to exceed 15 minutes.
• Incident response. For priority incidents that affect sign-in or audit submission, we aim to acknowledge within 4 business hours and provide updates until the incident is resolved.
• Dependencies. Service quality depends on third-party providers (hosting, identity, billing, AI). Outages affecting those providers may affect availability without counting toward our internal targets.
• Service changes. We will provide advance notice of significant changes or removals where feasible. Enterprise customers may request tailored notice windows subject to legal review.

Enterprise-specific commitments may be offered upon request rather than guaranteed by default.

4. Data Residency & Service Providers

• Data residency. The Service is operated from and stored in the United States. Operational data (including any audit history retained for subscribed users) is held on infrastructure located in U.S. regions.
• Service providers. We engage third-party providers in commercially typical categories, including hosting and content delivery, database and object storage, identity and authentication, payment processing and creator payouts, transactional email, cookie-free product analytics, AI text analysis and moderation, and image-to-text processing. Each provider is bound by written terms that limit its use of personal information to the services it performs for us. A current list of subprocessors is available upon request.
• Cross-border transfers. Where personal information is processed by a provider that operates outside the United States, we rely on contractual and technical safeguards provided by that vendor.
• International users. If you use the Service from outside the United States, your personal information is transferred to and processed in the United States, which may have different data-protection laws than your country. Where required — including for users in the EEA, the United Kingdom, and Switzerland — we rely on appropriate safeguards for those transfers, including the European Commission's Standard Contractual Clauses (with the UK Addendum where applicable) in our agreements with service providers, together with the commitments in our Privacy Policy.
• Enterprise DPA. A data processing addendum is available to enterprise customers upon request, subject to legal review.

5. Security & Privacy Practices

• Account security. All traffic to the Service is encrypted in transit. We apply commercially reasonable administrative, technical, and organizational safeguards to protect your account and the personal information you submit.
• Access logging. We retain access and security logs as needed to investigate abuse, troubleshoot incidents, and meet our legal obligations. Retention periods are summarized in our Privacy Policy.
• Internal access. Administrative tools used to operate the Service are restricted to authorized personnel. Any attempt by you to gain unauthorized access to those tools, to bypass our authentication or rate-limit controls, or to interfere with the security mechanisms protecting other users' data is a material violation of these Terms and may be referred to law enforcement under the U.S. Computer Fraud and Abuse Act (18 U.S.C. § 1030) or equivalent state statutes.
• Data export and deletion. Signed-in users can export their audit history and request account deletion from their account settings. Deletion removes account data from active systems, subject to minimal legal and security retention (for example, tax records required by the IRS for Creator Program payouts).
• No formal certifications. We are not currently SOC 2 or ISO 27001 certified. We maintain controls aligned with industry best practices and can provide a data processing addendum (DPA) to enterprise customers upon request, subject to legal review.
• Vulnerability disclosure. Security researchers may report potential issues to contact@quotechecker.ai. Good-faith testing that stays within publicly available endpoints and does not attempt to access another customer's data, our administrative surface, or any non-public system does not violate §2.

6. Support & Escalations

• Standard support: Email support is available at contact@quotechecker.ai with a typical response target of two U.S. business days.
• Incident communications: For widespread disruptions, we will provide periodic updates until the issue is resolved.
• Enterprise options: Enhanced support tiers (e.g., faster targets, dedicated channels) may be added upon request and will be subject to separate agreement and legal review.

7. Your Content

You retain ownership of the content you submit. By submitting content to the Service, you grant us a non-exclusive, royalty-free, worldwide license to process it solely to provide the Service to you. You are responsible for:

• Holding all rights necessary to submit the content;
• Excluding any private, sensitive, defamatory, or unlawful material; and
• Keeping submissions accurate to the best of your knowledge and avoiding misinformation.

We do not guarantee any legal compliance, accuracy, or outcome based on your submissions.

Wall of Shame submissions. When you submit a quote to the public Wall of Shame, you grant QuoteChecker a non-exclusive, worldwide, royalty-free license to display the moderated version of your submission (quoted price, benchmark price, metro, category, and any optional comment we publish) on the Service and in related social and preview imagery. You represent that you have the right to share the information, that the pricing you cite is truthful to the best of your knowledge, and that you have removed contractor names, personal names, addresses, neighborhoods, phone numbers, and any other identifying information. Final publication is our decision. You may request removal by using the report link on the entry. We may use aggregated, anonymized statistics derived from Wall of Shame submissions for benchmarking and editorial analysis without further notice or compensation.

Contact form submissions. Messages you send through our contact form are delivered to QuoteChecker support. We may include your IP address, browser, the time of submission, and your account identity (if you are signed in) with the message for support triage and abuse investigation. Do not include sensitive personal information (for example, government IDs, health records, or full payment-card numbers) in a contact-form message.

Read-only audit share links. Pro subscribers may generate a private link that grants any recipient a read-only view of a saved audit. Anyone holding the link can view the audit until you revoke it or it expires; you are responsible for distributing the link only to people you intend to grant access to. You may revoke a share link at any time from your account settings. Share links expire automatically (default 30 days, up to a maximum of 365 days), and deleting the underlying audit revokes any link pointing at it.

8. Generated Content (“Outputs”)

Audit summaries, transparency scores, and recommended messages (collectively, “Outputs”):

• Are licensed to you for personal, non-commercial use.
• May be publicly shared for personal purposes (e.g., on social media or a personal blog) provided they are not modified in a way that misrepresents the Service and are not offered for sale or incorporated into commercial products.
• Remain the intellectual property of QuoteChecker.ai.
• May not be resold, sublicensed, embedded in commercial offerings, or used to train other models.

Commercial licensing is available separately under Contractor Mode.

9. Accounts

• One personal account per individual household.
• Keep your credentials confidential; you are responsible for all activity under your login.
• Maintain credential hygiene (strong passwords, multi-factor authentication where available) and safeguard session tokens.
• We may suspend, restrict, or delete any account at any time, at our sole discretion.
• Upon termination, we may immediately delete your data and have no obligation to provide an export.

10. Billing & Subscriptions

• Paid plans are offered on monthly or annual cycles and auto-renew by default until you cancel.
• Local currency & taxes. In countries where we have launched, prices are displayed and charged in the local currency shown at checkout. Where value-added tax (VAT), goods and services tax (GST), or a similar consumption tax applies to your purchase, it is calculated and collected at checkout by our payment provider and shown before you pay.
• All charges are processed by a secure third-party payment provider; we do not store your full payment-card number.
• New subscriptions include a 14-day refund window. If you are not satisfied during your first 14 days, email contact@quotechecker.ai and we will refund your first payment in full.
• Failed payments pause access immediately. Reactivation requires settling the balance.
• Plan prices and features may change with advance notice. Continued use after the effective date of any change constitutes acceptance.
• Our checkout flow includes safeguards designed to prevent duplicate charges from network retries or accidental double clicks. If you believe you were charged in error, contact us within the refund window and we will investigate.
• Creator / Affiliate Program commissions are governed by the separate Creator Program Terms, which include clawback rules for refunded or disputed payments, vesting periods, and tax-reporting obligations (IRS 1099 where applicable).

11. Refer-a-Friend Program

This section governs the peer-to-peer referral program available to active Pro subscribers from their account settings. It is separate from the Creator Program, which is designed for content creators with audiences and pays cash commissions.

• Eligibility. You must be an active Pro subscriber to generate a personal referral link. Free-tier users may share audit results from any audit page but cannot earn referral rewards.
• Referee benefit. A friend who subscribes through your link receives 50% off their first month of Pro. The discount is applied automatically at checkout; no promo code is required.
• Referrer benefit. You receive one month free, applied to your next invoice, once your referee's subscription has remained active past the 14-day refund window without a refund or chargeback. The reward has no cash value and is not transferable outside your account.
• Attribution. Referrals are credited based on the link the referee uses to reach the Service and the browser session in which they subscribe. Only one referrer is credited per referee.
• Fraud, self-dealing, and limits. The following will void a pending or granted reward and may result in suspension from the program: creating multiple accounts to refer yourself, using disposable or throwaway email, sharing a household or device with the referee, using a closely related email address, attempting to stack a referral with another discount or promotion, or any other pattern that, in our reasonable discretion, indicates the referrer and referee are not distinct individuals acting in good faith. We may cap rewarded referrals at 10 per user per rolling 12 months without notice and may suspend, modify, or terminate the program at any time.
• Refund interaction. If the referee issues a refund or disputes the charge within the 14-day refund window, the referrer reward is cancelled. If a refund is issued after the reward has already been applied, we reserve the right to reverse the reward or recoup the equivalent amount on the referrer's next invoice.
• No cash value. Referral rewards are non-transferable account credits applied to Pro invoices. They cannot be combined with other promotions, cannot be redeemed for cash or merchandise, and expire if your subscription terminates.
• FTC disclosure. When you share your referral link, you must disclose to the recipient that you receive a reward if they subscribe. Our default share copy satisfies this requirement; if you rewrite it, the disclosure obligation is yours.
• Tax reporting. Given the small per-referral value and the $2,000 cumulative annual threshold under the One Big Beautiful Bill Act (effective 2026), referral rewards typically do not trigger IRS 1099-MISC reporting. If your cumulative rewards approach that threshold, we will notify you and issue appropriate documentation.
• Age. All participants must be 18 or older per §9. Minors may not participate.

12. AI & Automation Disclaimer

The Service submits your content to external AI systems to generate Outputs. We configure these requests so the provider does not keep your request as retained response state, and we do not permit providers to use your content to train their models. Providers may nonetheless retain inputs and outputs for a limited period (up to 30 days) solely to detect and prevent abuse, as required by their own safeguards. Content you save in your QuoteChecker account is retained under our Privacy Policy until you delete it.

If you opt into our most advanced models, the provider may retain submitted inputs and generated outputs for up to 30 days solely to monitor and prevent abuse. The retained data is kept outside of model-training pipelines and is deleted automatically after the retention window.

Outputs are informational, may contain errors, and must be independently verified before reliance. We are not liable for decisions made using the Service. Medical bill audits are not medical, legal, or financial advice; always consult a qualified professional before disputing a bill or entering into a payment plan.

Deep Analysis (Pro). Turning the Deep Analysis toggle ON for a Pro audit runs additional vertical-specific research through an AI web-search-and-extract pipeline and scores the result with an independent model panel; each surfaced fact carries its source. Turning it OFF produces a standard audit with no research job and no enrichment. Pasting and uploading the same content with the same toggle setting produce equivalent results.

12a. Billing-Advocacy Model — Flat Fee, No Contingency

QuoteChecker is a flat-fee billing-advocacy tool ($10/month). For medical bills it helps you understand the charges and drafts documents — such as a Financial Assistance Policy (FAP) application, an Amounts Generally Billed (AGB) cap assertion, or an overcharge appeal — that you review and send yourself.

We do not negotiate on your behalf, we do not submit anything for you, and we do not act as your agent. We never charge a success fee, contingency, or percentage of any savings, financial assistance, or billing correction — you keep 100% of it. QuoteChecker is not a debt-settlement, debt-adjustment, debt-relief, or credit-repair service, and does not perform dollar negotiation or make counteroffers on your behalf. Eligibility for any assistance is determined solely by the provider.

13. Warranty Disclaimer

The Service is provided “as is” and “as available,” without warranties of any kind—express or implied—including accuracy, reliability, or fitness for a particular purpose. Use the Service at your own risk.

14. Limitation of Liability

To the maximum extent permitted by law:

• We are not liable for any direct or indirect damages arising from your use of the Service.
• If liability is imposed, it is limited to the amount you paid us in the twelve (12) months preceding the claim.
• We are never liable for consequential, incidental, punitive, or special damages, even if advised of the possibility.

15. Termination

We may modify, suspend, or terminate the Service—or your access to it—at any time, for any reason, without notice. You may close your account at any time via Settings; deletion is permanent and irreversible.

16. Governing Law & Dispute Resolution

These Terms are governed by the laws of the State of Idaho, U.S.A., without regard to conflict-of-law principles.

• Binding arbitration in Boise, Idaho will resolve any dispute arising from or related to the Service.
• You waive the right to jury trials and to participate in class or representative actions.
• If any provision of these Terms is held unenforceable, the remaining sections remain in full force.
• Local consumer rights. Nothing in these Terms limits or excludes any non-waivable consumer right or remedy you hold under the mandatory law of the country where you habitually reside; where such mandatory law conflicts with this section, it prevails to the extent of the conflict.
• Australia. Our services come with guarantees that cannot be excluded under the Australian Consumer Law. Nothing in these Terms excludes, restricts, or modifies those guarantees; the warranty disclaimer and liability limits above apply only to the extent permitted by the ACL.
• New Zealand. If you acquire the Service as a consumer, nothing in these Terms limits your rights under the Consumer Guarantees Act 1993; if you acquire it for business purposes, you agree the CGA does not apply to the extent permitted by its s 43.
• Canada (Québec). If you reside in Québec, the arbitration and class-waiver provisions above apply only to the extent permitted by the Québec Consumer Protection Act.

EU & UK consumers. If you are a consumer in the European Union or the United Kingdom, you have a statutory right of withdrawal (cancellation) for purchases of digital services — generally 14 days from purchase, subject to lawful exceptions where performance begins with your express consent. You can exercise it easily using the withdrawal function on our cancellation page, and our 14-day refund window is designed to meet or exceed it.

17. Changes to These Terms

We may update these Terms from time to time. Revised Terms become effective upon posting. Your continued use of the Service after the effective date constitutes acceptance of the revised Terms. Where a change materially affects your rights, we will provide notice through the Service or by email where feasible.

18. Contact

These Terms are a binding contract between you and QuoteChecker.ai LLC, based in Boise, Idaho, USA (“QuoteChecker”, “we”, “us”). Questions about these Terms? Email contact@quotechecker.ai.

QuoteChecker.ai provides informational insights only and does not constitute legal or contracting advice. Consult a qualified professional before relying on any Output.