Terms of Service

1. Service Description

AppealAI provides an AI-powered tool that generates insurance appeal letter templates based on information you provide about your denied insurance claim. The service uses artificial intelligence to draft letters that you can review, edit, and send to your insurance company.

AppealAI offers both a Free plan (limited to 5 letters per month) and a Pro subscription plan with additional features and unlimited letter generation.

2. No Legal Advice Disclaimer

AppealAI is not a law firm, does not employ attorneys, and does not provide legal, medical, or professional advice. The letters generated by our service are AI-produced templates based on the information you provide and publicly available regulations.

These letters are a starting point and should not be relied upon as a substitute for professional legal counsel. You are solely responsible for reviewing, editing, and verifying the accuracy of any letter before submitting it to your insurance company or any other party.

We make no guarantees about the outcome of any appeal filed using letters generated by our service. Success rates cited on our website refer to general industry statistics and are not a promise of results.

3. User Responsibilities

By using AppealAI, you agree to:

• Provide accurate and truthful information in the appeal form. Misrepresenting facts in an insurance appeal may have legal consequences.
• Carefully review and edit any generated letter before submitting it to your insurance company.
• Use the service only for lawful purposes and in compliance with all applicable laws and regulations.
• Not use the service to generate fraudulent, misleading, or deceptive communications.
• Keep your account credentials secure and not share them with third parties.

4. Intellectual Property

The AppealAI platform, branding, and underlying technology are owned by Appeal Copilot. Letters generated using our service are provided for your personal use. You retain the right to use, modify, and distribute the letters generated for your own appeal purposes.

5. Limitation of Liability

To the maximum extent permitted by law, AppealAI and its affiliates, officers, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from:

• Your use or inability to use the service
• The outcome of any insurance appeal submitted using our generated letters
• Any errors, inaccuracies, or omissions in the generated content
• Unauthorized access to or alteration of your data

Our total liability for any claims arising under these terms shall not exceed the amount you paid to AppealAI in the 12 months preceding the claim.

6. Payment and Refunds

Pro subscriptions are billed monthly through our payment processor (Paddle). You may cancel at any time, and cancellation takes effect at the end of the current billing period.

For details about refunds and cancellations, please see our Refund Policy.

7. Termination

We reserve the right to suspend or terminate your access to AppealAI at any time, with or without cause, including if we reasonably believe you have violated these Terms. Upon termination, your right to use the service ceases immediately.

8. Changes to These Terms

We may modify these Terms at any time. We will notify you of material changes by posting the updated terms on this page with a revised "Last updated" date. Continued use of the service after changes constitutes acceptance of the new terms.

9. Governing Law

These Terms are governed by the laws of the State of Delaware, United States, without regard to its conflict of law provisions.

10. Contact

If you have questions about these Terms of Service, please contact us at [email protected].