Disclaimer
Please Read Carefully Before Using Our Service
Last Updated: February 11, 2026
IMPORTANT: READ THIS DISCLAIMER
By using BillArmor, you acknowledge and agree to the limitations and disclaimers outlined below. Our service provides analysis and educational tools only. We make no guarantees about outcomes, provider responses, or financial results.
1. No Guarantee of Savings or Refunds
WE DO NOT GUARANTEE THAT YOU WILL RECEIVE ANY REFUNDS, BILL REDUCTIONS, OR SAVINGS.
While our AI-powered analysis identifies potential overbilling, duplicate charges, and billing errors based on CMS fee schedules and CPT codes, the final decision to adjust, negotiate, or refund any charges rests entirely with:
- The hospital or medical facility
- The healthcare provider
- The billing department or third-party billing company
- Your insurance company
We have no control over whether these entities will:
- Respond to your dispute
- Agree with our analysis
- Negotiate or reduce charges
- Issue refunds or credits
- Accept the evidence we provide
2. Analysis Limitations
2.1 Identification of Potential Errors Only
Our service identifies potential overbilling and duplicate charges. This does not mean that errors definitely exist or that providers will agree with our findings. Medical billing is complex and may involve:
- Contractual agreements between providers and insurers that we cannot access
- Specific medical circumstances that justify higher charges
- Regional pricing variations
- Facility fees and other legitimate add-ons
2.2 Reliance on CMS Data and CPT Codes
Our analysis compares your bills against:
- CMS (Centers for Medicare & Medicaid Services) fee schedules - These are updated regularly. If your bill is old, the applicable rates may have changed.
- CPT (Current Procedural Terminology) codes - These codes are updated annually. Older bills may reference outdated codes.
- Historical billing patterns - Based on aggregated data that may not reflect your specific situation.
2.3 Outdated Bills
IMPORTANT: If you upload bills that are more than 12 months old, our analysis may be less accurate because:
- CMS fee schedules are updated annually (typically in January)
- CPT codes change every year
- Billing practices and regulations evolve
- Provider contracts with insurers may have changed
We are not responsible for discrepancies or inaccuracies in our analysis caused by using outdated CMS data or CPT codes for old bills.
2.4 Automated Analysis
Our analysis is performed by AI algorithms. While sophisticated, automated systems cannot:
- Understand all medical nuances of your specific case
- Access your complete medical records
- Review your insurance policy details
- Account for all contractual arrangements
- Replace professional medical billing experts in complex cases
3. Not Legal, Medical, or Financial Advice
BillArmor is NOT:
- A law firm - We do not provide legal advice or legal representation
- A medical provider - We do not provide medical advice or diagnoses
- A financial advisor - We do not provide financial planning or investment advice
- An insurance company - We do not process claims or provide insurance coverage
- A billing advocate service - We do not negotiate directly with providers on your behalf
The dispute letters and call scripts we generate are educational tools designed to help you communicate with providers. They are not legal documents and do not constitute legal representation.
4. Evidence and Documentation
When we identify potential billing errors, we provide:
- Specific CMS codes and fee schedules
- CPT code comparisons
- References to Medicare billing guidelines
- Industry-standard billing practices
While this evidence is based on official CMS data and represents strong, undeniable documentation:
- Providers are not legally required to accept our analysis
- Providers may have legitimate reasons for charges that differ from CMS rates
- Private insurance contracts may allow different pricing than Medicare rates
- Providers may dispute our interpretation of billing codes
We provide the tools and information to help you advocate for yourself, but we cannot guarantee that providers will agree with or act upon this evidence.
5. No Responsibility for Provider Actions
We are NOT responsible for any actions or inactions by hospitals, medical providers, billing companies, or insurance companies, including but not limited to:
- Refusal to negotiate or adjust bills
- Denial of refund requests
- Continued collection activities
- Reporting to credit bureaus
- Legal action for unpaid bills
- Termination of patient relationships
- Delays in responding to disputes
- Negative impacts on your credit score
- Additional fees or penalties
- Any other consequences of billing disputes
You are solely responsible for:
- Deciding whether to dispute charges
- Communicating with providers
- Managing payment obligations
- Understanding the potential consequences of disputes
- Seeking professional legal or financial advice when needed
6. Accuracy and Errors
While we strive for accuracy, our Service may contain errors, inaccuracies, or omissions. We make no warranties about:
- The accuracy, completeness, or timeliness of our analysis
- The correctness of CMS data or CPT code interpretations
- The applicability of our findings to your specific situation
- The absence of technical errors or bugs in our software
You should always verify our analysis and consult with qualified professionals before taking action.
7. Your Responsibility
By using our Service, you acknowledge that:
- You are using our Service at your own risk
- You will verify all information before submitting disputes
- You understand that results are not guaranteed
- You will seek professional advice for complex situations
- You are responsible for all communications with providers
- You will comply with all laws and provider policies
- You will not use our Service for fraudulent purposes
8. Limitation of Liability
TO THE MAXIMUM EXTENT PERMITTED BY LAW, BillArmor AND ITS AFFILIATES SHALL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM YOUR USE OF THE SERVICE, INCLUDING BUT NOT LIMITED TO DAMAGES RESULTING FROM PROVIDER REFUSAL TO NEGOTIATE, COLLECTION ACTIVITIES, CREDIT IMPACTS, OR ANY OTHER CONSEQUENCES OF BILLING DISPUTES.
9. Questions or Concerns
If you have questions about this Disclaimer, please contact us at:
BillArmor
Email: support@BillArmor.com
By using BillArmor, you acknowledge that you have read, understood, and agree to this Disclaimer.