Terms of Service

1. About This Service

Bill Sherlock (“we,” “our,” or “the Service”) is operated by FairBilling Advocate LLC and helps patients identify potential errors in medical bills, explanations of benefits (EOBs), and itemized statements. By accessing or using the Service, you agree to these Terms of Service.

2. Not Medical or Legal Advice

The Service provides informational analysis only. Nothing produced by the Service constitutes medical advice, legal advice, or a guarantee of billing accuracy. Findings are generated using automated analysis and should be independently verified with your provider, insurer, or a licensed professional before taking any action.

We do not guarantee that every error identified is a billing error, or that every billing error will be identified. The Service is a decision-support tool, not a substitute for professional judgment.

3. Eligibility

You must be at least 18 years old to use the Service. By using the Service, you represent that you are the patient named on the bill, an authorized representative of that patient, or otherwise have a lawful right to submit and analyze the documents you upload.

4. Document Uploads & PHI

Documents you upload may contain protected health information (PHI). By default, we do not store your documents or their contents — everything is discarded once your analysis report is generated. As a safeguard during processing, personal identifiers (provider names, addresses, and similar fields) are masked before the document is analyzed.

If you opt in to the FairBilling Hospital Score contribution program, certain de-identified provider and billing facts may be retained as described in our Privacy Policy. We never store your name, address, Social Security number, member ID, or other direct patient identifiers.

5. Acceptable Use

You agree not to:

• Upload documents you do not have the right to share
• Attempt to reverse-engineer, scrape, or systematically extract data from the Service
• Use the Service for any unlawful purpose or in violation of any applicable regulation
• Interfere with or disrupt the integrity or performance of the Service
• Submit false, misleading, or fraudulent information

6. Advocacy Services

If you choose to engage our advocacy service, a separate authorization agreement governs that relationship and will be presented for your e-signature at that time.

7. Intellectual Property

All software, analysis logic, UI, and content comprising the Service are the property ofFairBilling Advocate LLC or its licensors. You may not copy, reproduce, or create derivative works from any part of the Service without our prior written permission.

Analysis reports generated for you are yours to use for personal, non-commercial purposes related to resolving your own medical billing disputes.

8. AMA CPT® End User Terms

The Service incorporates content from the Current Procedural Terminology (CPT®) data files licensed from the American Medical Association (“AMA”) (the “Licensed Content”). Licensed Content is copyrighted by the American Medical Association and CPT is a registered trademark of the AMA. By using the Service, you agree to the following terms governing your use of Licensed Content:

8.1 Limited License

FairBilling Advocate LLC, as a party to a license agreement with the AMA, is authorized to grant you a limited, non-exclusive, non-transferable, non-sublicensable license to use Licensed Content within the Service for the sole purpose of your internal use within the territory authorized under that license. The provision of updated Licensed Content in the Service is dependent on a continuing contractual relationship between FairBilling Advocate LLC and the AMA. Upon termination or expiration of that agreement, FairBilling Advocate LLC will post a notice on the Service. You will continue to have the right to use Licensed Content in the Service for the remainder of the year of the then-current annual release (for example, through the end of the applicable calendar year) (the “End User Tail Period”). Your continued use of Licensed Content during the End User Tail Period is subject to your continued compliance with these Terms. Upon expiration of the End User Tail Period, the sublicense granted under these Terms will automatically terminate.

8.2 Restrictions on Licensed Content

You are prohibited from:

• Making Licensed Content publicly available
• Creating derivative works of Licensed Content, including translations
• Transferring, selling, leasing, licensing, or otherwise making Licensed Content (or any copy or portion of it) available to any unauthorized party, including any subsidiary, affiliate, or other legal entity, for any purpose whatsoever except as expressly permitted in these Terms

8.3 Disclaimer of Warranties for Licensed Content

You expressly acknowledge and agree that, to the extent permitted by applicable law, use of Licensed Content is at your sole risk and Licensed Content is provided “as is” without warranty of any kind. The AMA does not directly or indirectly practice medicine or dispense medical services. Fee schedules, relative value units, conversion factors, and/or related components are not assigned by the AMA, are not part of CPT, and the AMA is not recommending their use. Licensed Content provided through the Service does not replace the AMA’s Current Procedural Terminology book or other appropriate coding authority. The coding information contained in Licensed Content should be used only as a guide.

8.4 Records and Reporting

FairBilling Advocate LLC maintains the records and reports necessary for the calculation of royalties payable to the AMA under its license agreement. The Service automatically collects anonymized usage metadata (such as aggregate access counts and session identifiers) for this purpose. You consent to the release of such anonymized usage information to the AMA and agree to provide, without delay, additional information the AMA, as a third-party beneficiary, may reasonably request to verify the information. Nothing in this section requires you to submit or release information that would cause you to violate applicable federal or state privacy laws.

8.5 U.S. Government End Users

CPT is commercial technical data, which was developed exclusively at private expense by the American Medical Association (AMA), 330 North Wabash Avenue, Chicago, Illinois 60611. This agreement does not grant the Federal Government a direct license to use CPT based on FAR 52.227-14 (Data Rights – General) and DFARS 252.227-7015 (Technical Data – Commercial Items).

8.6 Authorized Access

You must ensure that anyone with authorized access to the Service or Licensed Content under your account or control complies with these CPT End User Terms.

8.7 Third-Party Beneficiary

The AMA is a third-party beneficiary of these CPT End User Terms. You expressly consent to the release of your identity as an end user to the AMA.

Clarifying note: The Service does not collect personal names or require account creation. This consent applies solely to anonymized usage metadata used for CPT royalty calculation—such as aggregate access counts and session identifiers—and does not involve the disclosure of any personally identifiable information.

9. Disclaimer of Warranties

The Service is provided “as is” and “as available” without warranties of any kind, express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, or non-infringement. We do not warrant that the Service will be error-free, uninterrupted, or that any specific billing error will be detected.

10. Limitation of Liability

To the fullest extent permitted by law, FairBilling Advocate LLC and its affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of or inability to use the Service, even if advised of the possibility of such damages. Our total liability for any claim arising out of these Terms shall not exceed the amount you paid us for the report unlock that gave rise to the claim, or $12, whichever is greater.

11. Privacy

Your use of the Service is also governed by our Privacy Policy, which is incorporated into these Terms by reference.

12. Changes to These Terms

We may update these Terms from time to time. When we do, we will update the effective date above and, for material changes, notify you via email or an in-app notice. Continued use of the Service after the effective date constitutes acceptance of the revised Terms.

13. Governing Law

These Terms are governed by the laws of the State of Washington, without regard to its conflict-of-law provisions. Any disputes arising under these Terms shall be resolved in the state or federal courts located in Washington.

14. Contact

Questions about these Terms? Reach us through our contact page or email us at advocate@fairbilling.org.