Terms of Use

1. Agreement, U.S. scope and eligibility

By accessing or using the Service, clicking an acceptance checkbox, uploading a file, generating a document or purchasing a feature, you agree to these Terms and the incorporated Privacy, Cookie, Consumer Health Data, Security, Subprocessors and Disclaimer policies. If you do not agree, do not use the Service. You must be at least 18, legally capable of contracting, and using the Service for yourself or with lawful authority for another adult.

DenialFight is designed, priced and marketed only for the United States. A U.S. user may provide a denial from a European or other non-U.S. insurer. The output may flag EU, UK or other foreign law for independent verification, but the Service does not become localized legal advice and you must obtain qualified counsel in the relevant country when needed.

2. What DenialFight provides

DenialFight provides educational information, organizational tools and user-directed drafting assistance for insurance-denial matters. The free result is a limited preview derived only after the full analysis has been completed. The paid ZIP is intended to include a document-specific appeal draft in PDF and editable Word, full case report, prioritized action plan, evidence and independent-support plan, submission and escalation destinations, public resources and a package guide. Contents vary with the submitted record and available reliable information. The Service is a tool, not a representative, and does not submit, negotiate or act on your behalf unless a separate signed agreement expressly says otherwise.

3. No professional relationship or advice

• DenialFight is not a law firm and does not provide legal advice, legal representation or an attorney-client relationship.
• DenialFight is not an insurer, insurance producer, public adjuster, claims adjuster, fiduciary, medical provider, utilization-review organization, financial adviser or government agency.
• Information and generated text are general educational material, not a professional opinion about your rights, coverage, diagnosis, treatment, benefits or likelihood of success.
• Communications are not privileged. Sending information does not create confidentiality obligations beyond the Privacy Policy.

4. No guarantee and no reliance

We do not promise that an insurer will reopen, reconsider, approve, pay or settle a claim; that a draft is complete or legally sufficient; that a cited rule applies; that any deadline remains open; or that using the Service will improve an outcome. Examples, scores, flags and suggested arguments are illustrative and may be wrong. You must independently verify all output before relying on it.

5. Your responsibility for deadlines

Insurance, benefit, administrative and court deadlines can be short, jurisdiction-specific and unforgiving. DenialFight does not calculate, monitor, extend, toll or preserve a deadline. You are solely responsible for reading the denial, policy and official instructions; identifying every internal appeal, external review, regulator, limitation and filing deadline; obtaining proof of delivery; and seeking qualified help in time. Service downtime, delayed email, an incomplete output or an error does not extend a deadline.

6. Your responsibility for facts and submissions

• Provide accurate, complete and lawfully obtained information.
• Review every generated statement, quotation, citation, date, address, amount and attachment.
• Remove invented, inaccurate, irrelevant, privileged or confidential material before submission.
• Use the address and procedure in your own denial letter and policy.
• Keep copies and independent records of all submissions and delivery confirmations.
• Do not state that DenialFight, an attorney or another professional reviewed or endorsed a document unless that is true.
• Make your own decision about whether, when and how to communicate, appeal, complain, settle or litigate.

7. Document and third-party AI processing

By submitting a review after the separate consent disclosure, you direct DenialFight to upload, copy, safely extract ZIP contents, transform and transmit your documents, description and related content to the providers reasonably needed to perform the requested review. Current document analysis uses an isolated shared OpenAI AI service with server-managed authorization. Credentials remain inside that service and are not copied into the public website container. Reviewed processing may also use paid or enterprise Google Gemini services or other comparable providers identified on the Subprocessors page.

The processing service may search current public sources for generic jurisdiction, regulator, licensing-directory, insurer-procedure or denial-category information. Instructions prohibit placing a user’s name, contact details, claim or policy number, medical details or other private document content into a search query. Search results and generated destinations can still be incomplete, stale or wrong and must be verified before use.

Optical character recognition, archive extraction, classification and generative systems can misread scans, handwriting, tables, policy language and medical terminology. They can omit context, invent plausible details or fail to detect an exclusion, endorsement, state-specific mandate, ERISA status, Medicare rule, arbitration provision or change in law. Always compare output with the source documents and official current requirements.

DenialFight does not intentionally opt in to training or feedback sharing and runs AI jobs ephemerally. Provider data use remains governed by the authorized account’s plan and Data Controls. This does not eliminate security or abuse-monitoring retention permitted by provider terms and is not a promise of zero data retention. Do not upload documents if you do not authorize the disclosed processor transfer.

8. Not for emergencies or urgent professional needs

Do not use the Service for a medical emergency, urgent treatment authorization, imminent loss of housing, active litigation deadline, criminal matter, immigration matter or any situation requiring immediate professional intervention. Contact emergency services, your treating provider, insurer, regulator or licensed attorney as appropriate.

9. Acceptable use

• Do not use the Service unlawfully, fraudulently or to harass, impersonate or harm another person.
• Do not upload malware, stolen records, unlawfully intercepted communications or content you lack authority to use.
• Do not attempt to bypass security, probe infrastructure, scrape at disruptive volume, reverse engineer protected elements or interfere with other users.
• Do not use output to make automated eligibility, employment, credit, housing, medical or insurance decisions about another person.
• Do not misrepresent generated text as an official insurer, regulator, court or attorney document.
• Do not use the Service to create false evidence, inflate a loss, conceal material facts or facilitate insurance fraud.

10. Your content, processor instruction and 10-day deletion

You retain rights in content you lawfully provide. You grant DenialFight and its disclosed processors a limited, nonexclusive license to host, copy, safely extract archives, process, transform, research generic public resources for and transmit that content only as reasonably necessary to provide and secure the requested Service, comply with law and enforce these Terms. You represent that you have authority to provide the content and that the disclosed processing will not violate another person’s rights.

Uploaded files, extracted archive contents and text, rendered images, user description, free preview, full report, appeal files and complete ZIP package are scheduled for deletion from DenialFight active servers within 10 days after upload and may be deleted sooner through the review interface. You are responsible for downloading purchased output when delivery is enabled and keeping your own source documents. Legal holds, fraud or security investigations may require limited preservation. Processor-side retention is governed by the applicable provider terms described in the Privacy Policy.

11. Confidential and third-party information

Redact information that is unnecessary. If you submit another person’s data, you are responsible for authority and required notices or consents. Do not upload material subject to a protective order, confidentiality agreement, professional privilege or statutory restriction unless you have determined that disclosure to the Service is permitted.

12. Lemon Squeezy purchases, taxes and refunds

Checkout is configured through Lemon Squeezy as the intended merchant of record. Development may use either an expressly labeled local simulation or Lemon Squeezy Test Mode. A local simulation confirms automatically, collects no payment method, charges $0 and is not a purchase or Lemon Squeezy receipt. A Lemon Squeezy test checkout may display a test price and request provider-approved test payment details, but no real funds are transferred. Live payment acceptance remains disabled until the store and live credentials are activated. When live checkout is enabled, the price, seller identity, taxes, currency, subscription status and deliverables shown by Lemon Squeezy at checkout control. Lemon Squeezy processes payment information under its own terms and privacy notice; DenialFight should receive transaction status and order details rather than full card numbers.

Digital content may be delivered immediately at your request. Except where law requires otherwise or the checkout states a different policy, fees for completed digital work are non-refundable because computing and document generation begin immediately. A refund does not imply fault or guarantee a claim result.

13. Intellectual property

The Service, design, software, branding, non-user content and compilation are owned by or licensed to DenialFight and protected by law. We grant you a limited, revocable, nontransferable license for personal use. You may edit and submit a document generated for your own matter. You may not resell templates, operate a competing dataset, remove notices or use DenialFight marks without permission.

14. Third-party services and links

The Service relies on or may link to third parties including hosting providers, OpenAI AI/API technologies, paid or enterprise Google Gemini technologies, Lemon Squeezy, insurers, regulators and courts. Processing providers are independent companies with separate terms, security practices, retention and availability. Use of a provider does not make that provider responsible for DenialFight’s output or make DenialFight responsible for the provider’s independent conduct. Verify that an external website is official before sending personal information or money.

15. English-only service

DenialFight is provided only in English and does not offer a language selector or an official translated version. You are responsible for understanding the Service, these Terms, your policy, denial notice and any submission you make. If you need language assistance for an important insurance or legal matter, obtain help from a qualified independent professional before acting.

16. Changes, suspension, deletion and termination

We may modify, suspend or discontinue all or part of the Service, impose limits, refuse content or terminate access when reasonably necessary for security, law, abuse prevention or operations. We do not guarantee uninterrupted availability or preservation of content. Reviews automatically expire within 10 days, so download completed files promptly and retain independent copies. Deletion is permanent and DenialFight has no obligation to reconstruct an expired or user-deleted review.

17. Disclaimer of warranties

TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE SERVICE AND ALL OUTPUT ARE PROVIDED “AS IS” AND “AS AVAILABLE,” WITH ALL FAULTS. DENIALFIGHT DISCLAIMS EXPRESS, IMPLIED AND STATUTORY WARRANTIES, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, ACCURACY, COMPLETENESS, QUIET ENJOYMENT AND ANY WARRANTY ARISING FROM COURSE OF DEALING OR USAGE. WE DO NOT WARRANT THAT THE SERVICE WILL BE SECURE, UNINTERRUPTED, ERROR-FREE OR SUITABLE FOR YOUR MATTER. Some jurisdictions do not allow certain disclaimers, so part of this section may not apply.

18. Limitation of liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, DENIALFIGHT AND ITS OWNERS, AFFILIATES, PERSONNEL, CONTRACTORS AND SUPPLIERS WILL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY OR PUNITIVE DAMAGES; LOST CLAIM VALUE, BENEFITS, PROFITS, DATA, EVIDENCE, OPPORTUNITY OR GOODWILL; MISSED DEADLINES; DENIED COVERAGE; MEDICAL OR LEGAL CONSEQUENCES; OR COSTS OF SUBSTITUTE SERVICES, ARISING FROM OR RELATED TO THE SERVICE, EVEN IF ADVISED OF THE POSSIBILITY.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, TOTAL AGGREGATE LIABILITY FOR ALL CLAIMS WILL NOT EXCEED THE GREATER OF (A) THE AMOUNT YOU PAID DENIALFIGHT FOR THE SPECIFIC SERVICE DURING THE SIX MONTHS BEFORE THE EVENT OR (B) US $100. This limit does not exclude liability that cannot lawfully be excluded, including rights under applicable consumer law.

19. Indemnity

To the extent permitted by law, you will defend, indemnify and hold harmless DenialFight and its affiliates and personnel from third-party claims, losses, liabilities and reasonable costs arising from your unlawful use, your content, your misrepresentation, your violation of these Terms or your infringement of another person’s rights. This obligation does not apply to the extent a claim results from DenialFight’s conduct for which indemnity cannot lawfully be required.

20. Disputes and governing rules

Before filing a claim, send a detailed notice to legal@denialfight.com and allow 30 days for an informal resolution, unless a shorter period is required to preserve your rights. Except where mandatory consumer law provides otherwise, these Terms are governed by applicable United States law and the law of the U.S. state where the Service operator is legally domiciled, without regard to conflicts principles. A dispute must be brought in a court with lawful personal and subject-matter jurisdiction. Nothing prevents either party from seeking urgent injunctive relief or using an eligible small-claims process.

21. No waiver of mandatory rights

Nothing in these Terms waives a right or remedy that cannot legally be waived, limits a regulator’s authority, prevents a privacy complaint, or requires you to surrender statutory insurance appeal rights. If a provision is unenforceable, it will be limited to the minimum extent necessary and the remaining provisions continue.

22. General terms

These Terms and incorporated policies are the entire agreement about the Service unless a signed written agreement says otherwise. You may not assign them without consent; DenialFight may assign them as part of a reorganization or transfer of the Service. Delay in enforcement is not a waiver. Headings are for convenience. Electronic records and acceptance have the same effect as written records where law permits.

23. Changes to Terms

We may update these Terms prospectively. Material changes will be posted with an updated date and additional notice where required. Continued use after the effective date constitutes acceptance only where permitted by law. Effective July 31, 2026; last updated July 31, 2026.

24. Contact

Legal questions and notices: legal@denialfight.com. Privacy requests: privacy@denialfight.com. Service support: support@denialfight.com. Email is not an emergency channel and does not create representation or extend a deadline.