Terms of Service — AI Patient Advocate

Effective Date: March 26, 2026  |  Last Updated: March 26, 2026

1. Acceptance of Terms

By using AI Patient Advocate ("the Application"), you agree to these Terms of Service ("Terms") and our Privacy Policy. If you do not agree, do not use the Application. You must actively consent to these Terms before the Application will access your Medicare data.

2. Description of Service

AI Patient Advocate is a local-first Personal Health Record (PHR) tool that connects to the CMS Blue Button 2.0 API to retrieve your Medicare Explanation of Benefit (EOB) data. The Application analyzes this data to help you identify billing discrepancies and prepare draft appeal documents. All processing occurs on your local device.

3. Eligibility

The Application is intended for use by Medicare beneficiaries and individuals who have been authorized by a beneficiary to manage their healthcare information (e.g., caregivers, legal representatives). You must have a valid Medicare.gov account to authorize data access.

4. Medicare Data Authorization

When you connect AI Patient Advocate to your Medicare account:

• You will be redirected to Medicare.gov to log in and authorize data sharing.
• You control what data is shared — Medicare allows you to opt out of sharing personal demographic information.
• Authorization is granted on a per-session basis. You may revoke access at any time through Medicare.gov.
• The Application only retrieves data; it cannot modify your Medicare records or file claims on your behalf.

5. How Your Data Is Handled

All data handling is governed by our Privacy Policy, which is incorporated into these Terms by reference. Key points:

• Your data is stored only on your local device.
• Your data is never transmitted to external servers.
• Your data is never sold or shared with third parties.
• You can delete your data at any time.

6. Appeal Documents — Not Legal or Medical Advice

Important: AI Patient Advocate generates draft appeal and redetermination letters based on your claims data and publicly available Medicare policy. These drafts are provided as a starting point for your review. The Application does not provide legal advice, medical advice, or representation. You should:

• Review all generated documents carefully before submitting them.
• Consult with a qualified professional if you have questions about your legal rights or medical care.
• Understand that appeal outcomes depend on the specific facts of each claim and are determined by Medicare and its contractors, not by this Application.

7. Your Responsibilities

You agree to:

• Provide accurate information when using the Application.
• Keep your local device secure and updated to protect your health data.
• Use the Application only for its intended purpose of personal health record management and claims auditing.
• Not attempt to reverse-engineer, modify, or redistribute the Application in ways that violate these Terms.

8. Intellectual Property

The Application's source code, design, and documentation are the property of Richard Scheipe. Your Medicare data belongs to you. The Application claims no ownership over your health information.

9. Limitation of Liability

AI Patient Advocate is provided "as is" without warranties of any kind, express or implied. To the maximum extent permitted by law:

• We are not liable for the accuracy, completeness, or timeliness of data retrieved from the Blue Button API.
• We are not liable for the outcome of any appeal or redetermination you file using documents generated by the Application.
• We are not liable for data loss resulting from hardware failure, device compromise, or user error on your local system.
• Our total liability for any claim arising from your use of the Application shall not exceed $100.

10. Termination

You may stop using AI Patient Advocate at any time. To fully terminate:

• Revoke the Application's access through your Medicare.gov account settings.
• Delete the Application and its data/ directory from your device.

We reserve the right to discontinue the Application at any time with 30 days' notice.

11. Changes to These Terms

We may update these Terms from time to time. If we make material changes:

• We will notify you through the Application interface.
• Changes will not take effect for existing users until 30 days after notification.
• Continued use after the effective date constitutes acceptance of the updated Terms.
• Draft changes will be submitted to CMS for review before publication.

12. Governing Law

These Terms are governed by the laws of the State of New Jersey, without regard to conflict-of-law principles. Any disputes arising from these Terms shall be resolved in the courts of Burlington County, New Jersey.