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Terms of Use

⚠️ This document contains [To be confirmed by client] fields (e.g. governing state/court, arbitration clause) that must be finalized by legal before launch. Please confirm before going live.

Effective Date: 2026-06-30 · Version: 1.0.0 · App Name: BillInsight · Company: Jorion Inc. · Contact Email: support@jovimastery.com · Contact Address: 2004 Brockwell Ave, Monterey Park, CA, USA

1. Acceptance of These Terms

These Terms of Use ("Terms") govern your access to and use of BillInsight and any related features, content, reports, software, and services we make available through the App (collectively, the "Services"). By downloading, installing, accessing, or using the Services, you agree to be bound by these Terms. If you do not agree, you must not use the Services.

If you are using the Services on behalf of a company or other legal entity, you represent that you have authority to bind that entity to these Terms.

2. Eligibility

You must be at least 18 years old, or the age of majority in your jurisdiction, to use the Services. By using the Services, you represent and warrant that you meet this requirement and that your use complies with all applicable laws and regulations.

The Services are intended for users in the United States. We make no representation that the Services are appropriate or available in other jurisdictions.

3. Nature of the Services

The Services are designed to help users review medical billing information, including CPT codes, diagnosis codes, billed amounts, and related records, and to generate informational reports based on such data. The Services may provide statistical observations, pattern-based flags, fee-range references, and other analytical outputs intended to assist review and decision-making.

The Services do not provide medical diagnosis, medical treatment, legal advice, insurance coverage determinations, or professional coding certification.

4. No Professional Advice

The information, reports, flags, scores, and other outputs generated by the Services are provided for informational and assistance purposes only. They are not a substitute for professional judgment, including the judgment of physicians, certified coders, billing specialists, legal counsel, or insurance professionals.

You are solely responsible for evaluating whether any report, suggestion, or flag is relevant to your circumstances and for deciding how to act on it.

5. Account Registration and Security

You may be required to create an account to access certain features. You agree to provide information that is accurate, current, and complete, and to keep that information updated.

You are responsible for maintaining the confidentiality of your login credentials and for all activities that occur under your account. You must notify us immediately if you suspect unauthorized access to or use of your account.

We may suspend or terminate accounts that appear to be compromised, fraudulent, abusive, or in violation of these Terms.

6. License to Use the App

Subject to your compliance with these Terms, we grant you a limited, non-exclusive, non-transferable, non-sublicensable, revocable license to install and use the App on devices that you own or control, solely for your personal or internal business use, as applicable.

Except as expressly permitted by law or by us in writing, you may not:

  • Copy, modify, or create derivative works of the App;
  • Reverse engineer, decompile, disassemble, or attempt to extract source code;
  • Rent, lease, sell, sublicense, distribute, or otherwise exploit the App;
  • Remove proprietary notices or obfuscate our intellectual property;
  • Use the App for unlawful, harmful, fraudulent, or misleading purposes.

7. User Content and Submitted Data

You may submit billing records, documents, notes, images, reports, and other materials through the Services ("User Content"). You retain your rights in User Content to the extent permitted by law. However, by submitting User Content, you grant us a limited license to host, process, analyze, reproduce, display, and transmit such content as reasonably necessary to provide, maintain, secure, and improve the Services.

You represent and warrant that:

  • You have all rights and permissions necessary to submit the User Content;
  • Your submission does not infringe the rights of any third party;
  • Your submission does not violate any applicable law, regulation, or confidentiality obligation;
  • Any health-related or sensitive information you provide is submitted in compliance with applicable law and, where required, with proper authorization.

8. AI and Automated Outputs

The Services may use automated systems, algorithms, or models to analyze data and generate outputs. These outputs may contain inaccuracies, omissions, or incomplete interpretations, and should be reviewed before being relied upon.

You acknowledge and agree that:

  • Automated outputs may not reflect all relevant clinical, billing, contractual, or factual circumstances;
  • Analytical results are probabilistic and may require human review;
  • We do not guarantee that any output is complete, correct, or suitable for a particular purpose;
  • You remain responsible for verifying the accuracy and appropriateness of any action taken based on the Services.

9. Prohibited Uses

You may not use the Services to:

  • Upload or process content you do not have the right to use;
  • Violate privacy, confidentiality, or data protection laws;
  • Interfere with or disrupt the App, servers, or networks;
  • Attempt unauthorized access to systems or data;
  • Introduce malware, bots, scraping tools, or other harmful code;
  • Misrepresent the origin, nature, or accuracy of any report or analysis;
  • Use the Services for any unlawful, deceptive, or abusive purpose.

We may investigate violations and take any action we deem appropriate, including suspension, termination, and referral to law enforcement where warranted.

10. Third-Party Services

The Services may interact with third-party tools, platforms, or services. We do not control and are not responsible for third-party products, content, policies, or practices.

Your use of third-party services is governed solely by your agreement with those third parties. We are not responsible for any loss or damage caused by your use of third-party services.

11. Privacy

Our collection and use of information are described in our Privacy Policy, which is incorporated into these Terms by reference. By using the Services, you acknowledge that you have reviewed the Privacy Policy and agree to its terms.

12. Fees and Subscription Terms

Certain features may be offered on a paid or subscription basis. If you purchase a paid plan:

  • Fees, billing cycles, and renewal terms will be disclosed at the time of purchase;
  • Unless otherwise stated, subscriptions automatically renew until canceled;
  • You authorize us or our payment processor to charge the payment method you provide;
  • Taxes may apply depending on your location and the applicable transaction.

Refunds, if any, will be governed by the plan-specific terms presented at the time of purchase and by applicable law.

13. Intellectual Property

The Services, including software, design, text, graphics, logos, interfaces, workflows, and compiled content, are owned by us or our licensors and are protected by intellectual property laws.

Except for the limited license granted in these Terms, no rights are transferred to you. Any feedback, suggestions, or ideas you provide may be used by us without restriction or compensation, to the extent permitted by law.

14. Disclaimers

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE." WE DISCLAIM ALL WARRANTIES, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT.

WITHOUT LIMITING THE FOREGOING, WE DO NOT WARRANT THAT:

  • THE SERVICES WILL BE UNINTERRUPTED, ERROR-FREE, OR SECURE;
  • ANY OUTPUT WILL BE ACCURATE, COMPLETE, OR RELIABLE;
  • ANY DEFECTS WILL BE CORRECTED IMMEDIATELY;
  • THE SERVICES WILL MEET YOUR SPECIFIC EXPECTATIONS OR REQUIREMENTS.

15. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE AND OUR AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, LICENSORS, AND SERVICE PROVIDERS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, REVENUE, DATA, GOODWILL, OR BUSINESS OPPORTUNITY, ARISING OUT OF OR RELATING TO YOUR USE OF OR INABILITY TO USE THE SERVICES.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, OUR TOTAL LIABILITY FOR ANY CLAIM ARISING OUT OF OR RELATING TO THE SERVICES WILL NOT EXCEED THE AMOUNT YOU PAID TO US FOR THE SERVICES DURING THE TWELVE (12) MONTHS PRECEDING THE EVENT GIVING RISE TO THE CLAIM, OR ONE HUNDRED U.S. DOLLARS (US $100), WHICHEVER IS GREATER, UNLESS APPLICABLE LAW REQUIRES OTHERWISE.

Some jurisdictions do not allow certain limitations of liability, so some of the above limitations may not apply to you.

16. Indemnification

You agree to defend, indemnify, and hold harmless us and our affiliates, officers, directors, employees, agents, licensors, and service providers from and against any claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys' fees) arising out of or relating to:

  • Your use of the Services;
  • Your User Content;
  • Your violation of these Terms;
  • Your violation of any law or third-party right;
  • Any claim that your submitted materials were unauthorized, misleading, or unlawful.

17. Suspension and Termination

We may suspend or terminate your access to the Services, in whole or in part, at any time and with or without notice, if we reasonably believe that:

  • You have violated these Terms;
  • Your use creates a security, legal, or operational risk;
  • Required by law;
  • We discontinue the Services or a material feature.

Upon termination, your right to use the Services will cease immediately. Sections that by their nature should survive termination will survive, including intellectual property, disclaimers, limitation of liability, indemnification, governing law, and dispute resolution.

18. Changes to the Services and Terms

We may modify the Services or update these Terms from time to time. If we make material changes, we will provide notice by reasonable means, such as in-app notice or email. Your continued use of the Services after the effective date of the updated Terms constitutes acceptance of the changes.

19. Governing Law and Venue

These Terms are governed by the laws of the State of 【待甲方确认】, without regard to conflict-of-law principles, except where federal law applies.

Except where prohibited by law, any dispute arising out of or relating to these Terms or the Services shall be brought exclusively in the state or federal courts located in 【待甲方确认】, 【待甲方确认】, and you consent to personal jurisdiction and venue in those courts.

20. Dispute Resolution and Arbitration

[To be finalized by counsel. A binding arbitration provision (including any class-action waiver and informal dispute-resolution requirement) may be inserted here after legal review and will be drafted to match our business model. No binding arbitration clause is currently in effect.]

21. Miscellaneous

  • Entire Agreement: These Terms, together with our Privacy Policy and any additional terms presented to you for a specific feature, constitute the entire agreement between you and us regarding the Services.
  • Severability: If any provision is found unenforceable, the remaining provisions will remain in effect.
  • Waiver: Our failure to enforce any provision will not constitute a waiver.
  • Assignment: You may not assign these Terms without our prior written consent. We may assign these Terms in connection with a merger, acquisition, financing, or sale of assets.

22. Contact Us

If you have questions about these Terms, please contact us at:

  • Email: support@jovimastery.com
  • Address: 2004 Brockwell Ave, Monterey Park, CA, USA
  • Company: Jorion Inc.