These terms are between MedBillCheckup ("we", the operator named in the Terms of Service) and the organization that asks for or buys a client link ("you"). They apply from the day you accept them. You accept them by ticking the box for them in the buy section of our Organizations page, by telling us in writing that you accept them, or by paying, whichever comes first. For a pilot, we send them with our answer to your pilot request, and we send the link only after you accept. When you buy a plan online, the link is shown on the confirmation page right after you pay. By accepting or paying, you confirm that you are authorized to accept these terms for your organization.
These terms are the written agreement that section 5 of the Terms of Service asks for. That section says nobody may redistribute the service without our written agreement. These terms give that agreement for one thing only: the client link described in section 1. The Terms of Service otherwise apply as they are, to you and to the people you serve. If the two disagree about the client link, these terms come first.
1. What you get
A client link is one private link. Opening it on a phone or computer turns on Pro on that device until the end date. Pro on that device covers the bills of the household of the person using it, as the Terms of Service describe. No account, email or card is needed on the device, and your organization's name is not shown on it. The link carries a neutral number for your access, never your organization's name.
When you buy a plan online, the link is made when you pay and is shown on the confirmation page right after your payment. That page shows it for 14 days. If you lose it, you can have it emailed to the address you used at checkout: use "Lost your link?" on the Organizations page. We send it to that address only. For a pilot, the checkout page we send you carries the same number as your link, so when you pay, the link is extended by itself (section 6).
You also get a printable sheet with the link and wording we approve. You make no claim about MedBillCheckup that is not on that sheet or on our website.
The free link for staff and volunteers in section 4 of the Terms of Service is a different link. It keeps its own rule: staff and volunteers only. Do not give it to the people you serve.
2. Who may use the link
The link is only for the people you serve: people your organization helps, who are 18 or older (Terms of Service, section 3) and who use it for their own bills or for the bills of someone who authorized them. You give it to them yourself: in person, on paper or in a private message.
You do not publish the link. That means not on a website, not in a social media post, not in a public group and not in a newsletter that anyone can join. You do not sell the link, give it to a business, or use it for people you do not serve.
3. What we report to you
We give you one thing: a count of how many times your link was opened in a quarter, which we send when you ask for it. The count comes from our server records, which hold your link's neutral number and not your organization's name, and which are kept for about 3 months, so some openings can be missed. One device can open the link more than once, one person may use more than one device, and one device may be shared, so the count is a guide to use and not a count of people or devices.
We give you no names, bills, amounts, dates of service or report about any person. We could not: we do not know who opened the link.
4. What we do not promise
We promise no saving, no refund, no reduction of any bill and no other outcome, to you or to anyone you serve. MedBillCheckup gives general information, as the Disclaimer says. It points out what may be worth asking a provider or insurer about, and only they can confirm a charge or change a bill. You do not tell the people you serve that MedBillCheckup will lower their bills, find them savings or get them money back.
5. Who we do not work with
We do not work with hospitals, clinics, health centers or other health care providers; with health plans, including union and employer health funds; with businesses that charge patients to negotiate or dispute their medical bills; with an organization that would give out the link for one of them or on its behalf; or with anyone who wants to publish the link.
Health plans are covered entities under HIPAA, and so is a health care provider that bills insurance electronically. They need agreements and security reviews we cannot sign or complete. Nothing in these terms is a business associate agreement, and we do not sign one.
By accepting these terms you confirm that your organization is none of these. In particular, it is not a health care provider, a health plan or a health care clearinghouse, it does not give out the link for one of them, and it does not charge patients to negotiate or dispute their medical bills. If that changes, tell us at once. We may then end the access (section 12).
When you buy a plan online, you state this again at purchase, with the second box on our page. Stripe keeps that statement with your payment, together with the version of these terms you accepted and the time you accepted them.
6. Automatic renewal, cancelling and the end date
Every plan renews by itself until you cancel. A plan is billed once a year, on the date you first paid. Each payment is for 12 months at the price of your plan and is charged to the payment method you gave, without asking you again, so the access continues without interruption. When you buy on our Organizations page, you confirm this with the third box, and Stripe keeps that confirmation with your payment. On a checkout page we send you, our email states the yearly price and the renewal, and you confirm them by paying. Link emails you a reminder before each renewal.
Cancelling. You can cancel at any time on Link's website (link.com), where Link lists your plan, or by writing to us (section 14), and we cancel it for you. To stop the next payment, cancel before its date. Once the plan is cancelled, nothing more is charged, and the access runs without interruption to the end of the year you paid for. Then Pro stops on every device that used the link.
A payment that does not go through. The access runs for 3 more days past the end of the paid year while Link tries again. If the payment goes through later, the access comes back by itself.
A device that used the link takes each new year by itself when it renews, so Pro does not stop on a device that is in use. We count days in Coordinated Universal Time (UTC), so a payment made in the evening in the United States may count from the next day.
A plan paid once. A plan paid once, under an earlier version of these terms or because we agreed it in writing, does not renew. The access runs for 12 months from the day you pay (for a plan bought online, the day you press the Buy button, counted in UTC): it ends at 12:00 UTC on the same date 12 months later (on 28 February for a payment made on 29 February). On the end date, Pro stops on every device that used the link. The end date governs. If you pay again while a paid period still runs, the new 12 months start on the day that period ends.
During the pilot the access runs to the end of the pilot (section 7).
When you pay on the checkout page we send you, the same link keeps working by itself: you do not need to hand out a new link. Our server reads your payment from our payment provider. A device that already used the link takes the new end date by itself when it renews, which happens in the last days before its current end date or after it, so Pro does not stop on a device that is in use; until then, Billing on that device shows the earlier date. We tell you your current end date whenever you ask.
7. The pilot
Before you pay, you may ask us for a free pilot: up to 25 people for 30 days. We give a pilot on request only: write to us (section 14). The buy section of our Organizations page does not start one. We send you the link within 5 working days of your yes, and the 30 days start on the day we send it. Nothing is asked in return: no payment, no link, no mention and no review.
You may pay on any day of the pilot, on the checkout page we send you. If you do, the same link keeps working and the paid access starts on the day you pay, and the plan renews by itself until you cancel (section 6). If you do not, the link stops working when the pilot ends. If you pay later, the same link works again from the day you pay. Devices that used it pick this up by themselves if you pay within 60 days of the end of the pilot; after that, people open the link again. A plan bought in the buy section of our Organizations page is a new link of its own and does not extend the pilot link.
All of these terms apply during the pilot, except section 10. For section 8, the pilot counts as a plan for 25 people. If use goes far above it, we may write to you, and either of us may end the pilot.
8. People, fair use and no hard cap
The plan you pay for is one of those on the Organizations page, each with a number of people served in a year. Your plan is the one on that page on the day you pay. The number is a guide. There is no hard cap: the link keeps working however many devices open it.
If use of your link is far above the number of people in your plan, we may write to you. We may ask you to move to the next plan for the rest of the term. If we cannot agree, either of us may end the access (section 12).
We cannot remove or block one person, because we do not know who opened the link. The only ways to stop access are to replace the link (section 9) or to end the access (section 12). Either one stops every device that used the link.
9. A link that is published or leaks
If the link is published or reaches people you do not serve, tell us at once. We replace it with a new link, and the old link stops. Devices that already used the old link stop within 30 days at the most. You give the new link to the people you serve. Your payment and your end date carry over to the new link.
If we find the link published, we may replace it without asking you first, and we write to you. Publishing the link again is a reason to end the access (section 12).
10. Payment
A pilot is free. To keep the access, you pay for a plan, by card or another way the checkout page offers, during the pilot or after it. You can pay in two ways. In the buy section of our Organizations page you choose a plan, tick the three boxes and pay on the checkout page that follows; that gives you a new link, shown on the confirmation page. For a pilot, or when we agree it in writing, you pay on a checkout page that we send you. Use the checkout page we send you for your link: it carries your link's neutral number. A payment made on a checkout page that does not carry your link's number does not reach your link by itself; if that happens, tell us and we extend the link by hand. A payment buys 12 months. The plan is charged again at the end of each year until you cancel (section 6). The price is the one on the Organizations page for your plan on the day you buy it or, for the Network plan, the one we agree with you in writing, in US dollars. If we change the price of your plan, we write to you at least 30 days before the first payment at the new price, and you may cancel before then. That price is before tax. Tax, where it applies, is added at checkout on top of the price. If the checkout page shows your own currency, Stripe's exchange rate there includes a conversion fee of 2 to 4%, and you can choose to pay in US dollars instead.
Purchases are sold through Link (Sold through Link, LLC, a Stripe company), the merchant of record, which handles the sale for us: it takes the payment, calculates and pays sales tax or VAT in the countries it covers, sends your receipt and answers questions about the payment. Your card statement shows LINK.COM* followed by our name. The payment terms shown on the checkout page apply to the payment itself; these terms apply to the service. We never receive or store your card details.
The checkout page may ask for your organization's name. It has no field for a tax ID or for a tax exemption certificate. After you pay, Link emails a receipt and an invoice to the address you used at checkout, as PDFs. Our confirmation page does not offer them. We cannot issue any other invoice, and we do not accept purchase orders or bank transfers.
By paying you confirm that you are authorized to buy for your organization and that you accept these terms.
No refunds. A payment is not refunded once it is made, whether you change your mind, cancel during a year or stop using the link. In return, the access runs without interruption to the end of the year you paid for. Link may pass a refund request to us or decide it itself under its own rules, for example when we do not answer within 48 hours. Under its own refund policy it may also refund a payment within 60 days of the purchase, for example if what you got was not as described, and it may refund a payment wherever the law or card dispute rules require it. If you are charged twice, if a payment is taken after you cancelled or after the day you wrote to us to cancel, or if you pay and we do not show, send or extend your client link, we put it right, in the same way as section 9 of the Terms of Service. If the law forces us to end the access before the end of a year you paid for, we refund the part you did not use.
If a payment for a plan that renews is disputed with your bank or card issuer, we may cancel the plan, and the access then ends. While a payment for a plan paid once is disputed, it counts as not made: on each device, within 30 days, the access falls back to the end date it would have without that payment (the end of the pilot if it is your only payment, and no access for a plan bought online). If the dispute is settled in our favour, we restore the end date.
11. Nothing asked in return
We ask for nothing in return for your plan or your pilot: no link to our website, no mention, no listing, no review and no quote. We give you nothing for any of them: no discount, no extra people and no share of any payment.
Please do not ask the people you serve to review or rate MedBillCheckup, and do not offer them anything for it.
If you mention MedBillCheckup in public while your organization has free access, in a pilot or through the free link for staff, say so, for example: "We use MedBillCheckup free during a pilot." The Federal Trade Commission's rules on endorsements ask for that disclosure (16 CFR 255.5). If you paid and have no free access, you may say that you bought access for the people you serve. We may ask you to correct a statement about MedBillCheckup that is not true.
12. Ending the access
You may stop the renewals at any time by cancelling your plan or by writing to us (section 6); the access then runs to the end of the year you paid for. We may end it by writing to you if you break these terms (in particular sections 2, 4, 5, 9 and 11), if the link stays published, or if the law requires it. If use stays far above your plan after we wrote to you and we could not agree, or if we decide to stop offering the service, we stop the renewals and the access runs to the end of the year you paid for.
When the access ends or the link is replaced, devices that used the link stop within 30 days at the most. Sections 4, 11 and 13 continue after the end.
13. Liability and other terms
Sections 12 and 13 of the Terms of Service (disclaimers and liability, and governing law and disputes) apply to these terms. Our total liability in any 12-month period is limited to the price you paid for the access in that period. Nothing here limits liability that cannot be limited by law.
These terms and the Terms of Service are the whole agreement about the client link.
14. Changes and contact
We may update these terms. A new version has a new number and an effective date. The latest version in effect on the day a pilot starts or you pay applies to that pilot or payment (for a plan bought online, the version named beside the tick), and a new version does not shorten or reduce a period you have already paid for. For a plan that renews, a new version applies from the first payment after we write to you about it, and you may cancel before then.
We write to the email address you used to ask for the pilot or at checkout. Tell us if it changes.
Write to hello@medbillcheckup.com or use the message box on the Support page. If you use the message box, include an email address we can reply to: the box does not ask for one.
Version 1.5, effective 2026-11-05