Legal

Terms of Service

Effective date: 30 May 2026 · healthplanadvise.com

By accessing or using HealthPlan Advise, submitting a consultation request, or making a payment, you agree to be bound by these Terms of Service (“Terms”) and all documents incorporated by reference, including our Privacy Policy, Refund and Cancellation Policy, and Disclaimer. If you do not agree, do not use this service.

1. The Service

HealthPlan Advise provides clinically led, insurance-informed health insurance claims and coverage advisory services. Following your submission and payment, we deliver:

• A professional insurance claim analysis report (PDF)
• A ready-to-send appeal letter addressed to your insurer (PDF)

We also provide guidance on coverage queries, pre-authorisation matters, policy document review, and related health insurance questions, depending on the service tier selected.

2. What We Do Not Provide

HealthPlan Advise is not an insurance company, broker, underwriter, agent, law firm, medical provider, or regulated financial adviser in any jurisdiction.

Nothing we provide constitutes:

• Legal advice or legal representation
• Medical diagnosis, treatment, or clinical care
• Financial or investment advice
• A guarantee of any insurance approval, claim payment, coverage determination, or other outcome
• A binding opinion on your rights under any policy or applicable law

You should consult a qualified lawyer, licensed insurance professional, or relevant regulator for any matter requiring formal advice, representation, or a binding determination.

3. Eligibility

You must be at least 18 years of age to use this service. By using the service, you confirm that you are acting on your own behalf or are duly authorised to act on behalf of any third party whose information you submit.

4. Your Responsibilities

When using HealthPlan Advise, you agree to:

• Provide accurate, complete, and truthful information and documents
• Not submit fraudulent, misleading, fabricated, or stolen documents
• Maintain the confidentiality of your account credentials
• Use the service for lawful purposes only
• Not reproduce, resell, or distribute our deliverables commercially without our written consent
• Notify us promptly if you become aware that any information you submitted is inaccurate

We are not responsible for errors, poor outcomes, or losses arising from inaccurate, incomplete, or misleading information you provide.

5. Payment

All fees are displayed in US Dollars (USD) before payment. Payment is processed securely through PayPal. By making a payment, you confirm you are authorised to use the payment method provided and that all billing information is accurate. Sales are subject to our Refund and Cancellation Policy.

6. Service Delivery and Turnaround

Indicative turnaround times are stated on the services page and during checkout. Turnaround begins once we have received your payment and all required information and documents. We make reasonable efforts to meet stated times but they are not guaranteed. We are not liable for delays caused by incomplete submissions, system outages, or circumstances outside our control.

7. Intellectual Property

All analysis reports and appeal letters we produce are prepared for your personal, non-commercial use. You may submit them to your insurer or relevant regulator as intended. You may not reproduce, distribute, sell, or publish them commercially. We retain all intellectual property rights in our methodologies, frameworks, templates, processes, and software.

8. Privacy and Data Retention

We collect and process your personal and health-related information as described in our Privacy Policy. Data is stored on EU-based infrastructure. Health documents and case files are automatically and permanently deleted 90 days after your case is marked as complete, unless you request otherwise in writing before that date.

9. Third-Party Services

Our service relies on third-party providers including Google Firebase, PayPal, Anthropic, Resend, and Brevo. While we take reasonable care in selecting providers, we are not responsible for interruptions, data incidents, service failures, or errors attributable to these third parties. Their respective terms and privacy policies govern data they process independently.

10. Results and Limitations

Insurance outcomes depend on your specific policy terms, the insurer’s internal processes, applicable law, and many factors entirely outside our control. We do not guarantee that submitting our reports or letters will result in a successful outcome. Our service represents our professional assessment based on the materials you provide; it is not a warranty of any insurance, clinical, or regulatory result.

11. Limitation of Liability

To the maximum extent permitted by applicable law:

• Our total liability for any claim arising from your use of the service shall not exceed the amount you paid for the specific service giving rise to the claim.
• We shall not be liable for any indirect, incidental, consequential, special, exemplary, or punitive damages, including but not limited to loss of income, loss of savings, loss of data, or reputational harm.
• We are not liable for decisions made by insurers, regulators, courts, employers, healthcare providers, or any third party.
• We are not liable for any loss arising from your reliance on our guidance after it has been superseded by changes in law, regulation, or policy terms.
• We are not liable for service interruptions, data loss, or other failures attributable to third-party infrastructure providers.

Some jurisdictions do not permit the exclusion of certain implied warranties or limitations of consequential damages. In those jurisdictions our liability is limited to the greatest extent permitted by law.

12. Indemnification

You agree to indemnify and hold harmless HealthPlan Advise and its personnel from any claims, losses, damages, costs, or expenses (including reasonable legal fees) arising from: (a) your breach of these Terms; (b) information you provide that is false, misleading, or infringes third-party rights; or (c) your violation of any applicable law or regulation.

13. Disclaimer of Warranties

Our services are provided “as is” and “as available” without warranties of any kind, express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, or non-infringement. We do not warrant that the service will be uninterrupted, error-free, secure, or free from viruses or other harmful components.

14. Modifications to These Terms

We may update these Terms at any time. The revised version will be posted on this page with an updated effective date. Your continued use of the service after the posting of changes constitutes your acceptance of the revised Terms. We encourage you to review these Terms periodically.

15. Governing Law and Disputes

These Terms are governed by applicable law. We encourage you to contact us to resolve any dispute informally before initiating formal proceedings. Nothing in these Terms limits your statutory consumer rights under applicable law in your jurisdiction.

16. Contact

For questions about these Terms: info@healthplanadvise.com or visit our Contact page.