These terms govern your use of MedBillCheckup, operated by Rémi Toumi, Calle de Alonso Castrillo 22, 28020 Madrid, Spain (Individual sole trader (Spain), no company registration number). By using the service you agree to them.
1. What the service does
MedBillCheckup is software that runs in your browser. It reads billing documents you open, on your device, and extracts the amounts and line items they contain. When you ask for the free preview or the findings, it sends those extracted figures (not the document) to our checking service, which applies consistency checks to them, compares drug and supply quantities with the unit limits Medicare publishes, and, from answers you choose to give, looks for a payment above your share, a bill showing more than the amount you type from your insurer's Explanation of Benefits (EOB), a share above your plan's yearly out-of-pocket maximum and a possible surprise bill. It returns a report describing what it found together with questions you may wish to ask your provider or insurer. It can also draft a neutral message for you to send yourself.
It can keep, on your device, what you record after asking, and work out dates for the usual next steps from a date you type from your own paper and the rule it cites. Those dates are general information: your own notice or plan documents set your actual dates. It can make a reminder, or a file of those dates, for your own calendar. It can also suggest where and how you might send a letter, make a copy of the letter ready to print with the addresses you type, and record when and how you sent it. From what you record, it can also draft a letter confirming a call and a second request when you have had no answer, for you to send yourself.
With Pro, it can also answer questions you type about a bill on its full list. A small language model on your device picks, among answers we wrote, the one whose prepared question is closest to yours, and fills it with your bill's figures and what you recorded; it does not write answers. When none is close enough, it says it has no verified answer. These answers are general information, like the rest of the service.
Its free tools also run in your browser: letters asking for an itemized bill, a refund or financial assistance, a letter of questions about the charges on a bill, a letter asking a health plan for its claim file, a letter to a collection agency that says only what you tick, and a lookup of medical bill codes. The letters asking for an itemized bill or a claim file, the letter of questions and the letter to a collection agency can also make a reminder for your own calendar.
2. What the service does not do
This is the most important section. MedBillCheckup provides informational assistance only.
- It does not provide medical advice, diagnosis, or treatment recommendations, and it does not determine whether care was medically necessary.
- It does not provide legal advice and does not represent you in any dispute.
- It does not provide insurance advice and does not determine what your policy covers.
- It does not determine whether a charge is correct, incorrect, fraudulent, or illegal.
- It does not determine what you owe or what you are entitled to.
- It does not send, mail, fax or deliver anything for you, and it does not contact anyone for you.
- Its free letters are yours to send, and none of them is an appeal of a health plan's decision.
- Its answers to questions you type do not go beyond the answers we wrote, your full list and the sources they name.
- It does not guarantee that any issue exists, that any issue will be found, or that any amount will be reduced or refunded.
- It is not a substitute for a doctor, a lawyer, an insurance professional, or a certified medical billing specialist.
Findings are possibilities to check, not conclusions. Verify anything you act on against your original document and with your provider or insurer.
3. Eligibility
You must be at least 18 years old. You must have the right to review the documents you open: your own, or those of someone who has authorised you.
4. Accounts, receipts and passes
There is no account for reading a bill or for paying for a single bill. Proof of a single-bill payment is a signed receipt that our service issues to your browser after the payment provider confirms the payment. It is tied to the bill you paid for and lives in that browser. If you clear that browser's data, use another browser or a private window, the receipt is not there; keep a copy with Download my data in Settings if you want to move it.
A subscription is the only thing that resembles an account. It is identified by the email address you use at checkout, and the record of it is held by our payment provider. A subscriber can use another device by asking for a sign-in link at that email address; opening the link installs a signed pass in that browser. The link also reaches a subscriber whose renewal payment has not gone through, so the card can be updated; the pass it installs then works only for the days of access after a failed renewal described in section 8, and after them only once the payment goes through. Keep that mailbox secure: anyone who can read it can use your subscription. Tell us at hello@medbillcheckup.com if you think someone else has access. You may forget the pass on a device at any time from Settings.
Free access for organizations that help patients. We may give an organization that helps patients with medical bills free access to Pro for its staff and volunteers, through a private link. Opening the link installs a pass in that browser that works like Pro until the end date we agreed with the organization, unless the access ends sooner as this section says. Nothing is charged, no subscription renews and no account is created; the pass on each device refreshes on its own about once a month until that date. The link is for the organization's staff and volunteers only: do not publish it or give it to anyone else. We may end the access sooner, for example if the link is shared beyond them; the pass on each device then stops within 30 days.
Access through an organization's client link. An organization that has accepted our Terms for organizations may give the people it serves a private client link. Opening it installs a pass in that browser that works like Pro, at no charge to you, until the end of the organization's access, unless the access ends sooner as those terms say. Nothing is charged to you, no subscription renews and no account is created. The pass refreshes on its own about once a month. When the organization pays for more time on the same link, the pass on your device continues without anything to do on your side. When the organization buys a plan again instead, it gives you the new link, and the old link stops on its end date. The organization's name is not shown on your device, and we tell the organization only how many times its link was opened, never who opened it. Do not publish the link or give it to anyone else; Pro on your device already covers the bills of your household (section 8). If the link is replaced or the access ends, the pass on each device stops within 30 days.
5. Acceptable use
You agree not to:
- open documents belonging to someone else without their authorisation;
- forge, alter or share a receipt, pass or sign-in link, or give a private access link to anyone it was not given for, or probe, scan or test the security of the service, except to run the public tests linked on our Security page or to find and report a problem as that page describes;
- use the service to build a competing dataset of billing documents;
- submit content designed to manipulate the reader or the checks;
- resell or redistribute the service without our written agreement;
- use the service in a way that breaks the law where you are.
We may refuse service, or cancel a subscription, for a breach of this section.
6. Your documents and your data
Your documents remain yours, and they remain on your device. We never receive them and hold no copy. The software reads them in your browser and keeps what it reads, your corrections, your results and what you record or type about a bill in your browser's storage; you can download, import or erase all of it from Settings, and you are responsible for that copy as you are for any file on your device. Some browsers clear a site's storage on their own, Safari on iPhone after about 7 days of use without a visit, so keep a backup with Download my data.
When you ask for the free preview or the findings, you grant us a limited licence to process what your browser sends (the charges with their descriptions, codes, dates, amounts and billing organisations; the bill's type, totals, dates, currency and number of pages; the page and line each figure came from, how sure the reading was and notes on it; whether the bill shows a provider, insurer, statement or claim number, not what they say; your answers to the money questions; your country; and, for the full list, your receipt or pass; never the document, and with the patient's name, address and account numbers removed wherever your browser recognises them) solely to run the checks and return the results to you. That processing happens in memory and ends when the response is sent; we store nothing. We do not use your documents or figures to train models and we do not use them for any other purpose.
Messages and quotes. You can send us a message from the Support page or, after you record "They changed the bill", with "Tell us how it went". If you tick "You may quote this, without my name", you allow us, free of charge, to show your message on our website and in our listings, word for word and in full, without your name, until you withdraw that permission as the Privacy Policy explains. We may choose not to show it. We never edit a quote, and we give nothing in return for a message or a quote.
How we handle your data, and the rights you have over it, are set out in the Privacy Policy and the Health Data Consent.
7. Accuracy
Reading a document is imperfect, particularly for photographs and low-quality scans, and the reading runs on your device with the resources it has. Values that could not be read confidently are marked, and you can correct them before the checks run. When a bill is several photos, they are put in the order of the page numbers printed on them, a page photographed twice is read once (when two photos are found alike only by their charges, you are asked first), and a photo that looks like a different document is left out unless you say it belongs to the bill. You are responsible for checking what you act on.
Before any check runs, you confirm, by ticking a box, that you have compared the figures shown with your original bill. The findings are worked out from the figures you confirmed. A finding that turns out to be wrong because a figure you confirmed was misread is therefore not a ground for a refund; section 9 still covers our own mistakes, such as a double charge.
8. Subscriptions and payment
Opening a bill and having it read on your device is free. Seeing the findings for a bill is paid for in one of two ways: a one-time payment that unlocks that single bill, or a Pro subscription that includes every bill you check while subscribed. A subscription covers the bills of your household: your own and those of family members you live with or care for. Pro is billed in advance, monthly or annually. Every price is shown before you pay, in US dollars. Applicable taxes are calculated at checkout based on your location; buyers in the EU pay VAT at their country’s rate. If the payment 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. We charge no other fees.
Staff and volunteers given free access, and people given access through an organization's client link, under section 4 pay nothing for it. An organization pays for client links under the Terms for organizations, not under this section.
A one-time unlock is for the bill you bought it on. It does not carry over to another bill and does not start a subscription. A subscription includes all bills for the period you have paid for; you will not be asked to pay for anything else until that period ends. If a renewal payment fails, your access continues for up to 7 days from the renewal date, never past the end of that period, while the payment provider may try your card again. It then stops until the payment goes through; you can still sign in and open Manage subscription to update your card.
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.
Your subscription renews automatically at the end of each period, at the price shown when you subscribed, until you cancel. Before you subscribe we ask you to confirm this, and we record that confirmation with your subscription. Each renewal is charged to the payment method you gave, without asking you again, so your access continues without interruption. You can cancel at any time from your billing settings, and you keep access until the end of the period you have already paid for.
9. Cancellation and refunds
Not refundable if you change your mind. A one-time unlock and every subscription period, monthly or annual, are not refunded once paid because you changed your mind, and a subscription period that has started is not refunded in part if you cancel during it. The rights below, and our own mistakes, are different. Please read what a plan includes before you buy; every price is shown before you pay, and nothing is charged until you confirm. 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.
Cancelling a subscription. Cancel at any time in billing settings. Cancelling stops future renewals and you keep access until the end of the period you have already paid for. It does not refund that period.
Why we can deliver immediately, and what that means for EU, EEA and UK consumers. If you are a consumer in the EU or EEA you normally have 14 days to withdraw from a distance contract for a digital service, under Directive 2011/83/EU, and UK law gives a similar right. So at checkout we ask you to expressly request that we begin during that 14-day period. We record that request with your payment, and the thank-you message repeats it with its date.
For a single bill, the findings are made available to you as soon as you pay, so you also acknowledge that, once the service has been provided, you lose the right of withdrawal; the PDF report repeats that acknowledgement with its date. If you were not asked, or did not give it, you may withdraw within 14 days of paying for a full refund.
For Pro, if you are a consumer in the EU, the EEA or the UK, you may withdraw within 14 days of first subscribing, even after asking us to start at once; we then refund the part of the period you have not used.
To withdraw, choose "Withdraw from contract here" in the message box on the Support page (Billing links to it) or write to hello@medbillcheckup.com, with the email address you paid with. We confirm by email that we received it, and the payment provider emails you the refund.
If we got it wrong. The no-refund rule is about changing your mind, not about our mistakes. If you were charged twice, charged after cancelling, or paid for a bill we could not analyse, send us a message from the Support page with the email address you paid with, or write to hello@medbillcheckup.com, and we will put it right.
Statutory rights. Nothing here removes rights you have under the consumer law of the country you live in, and where that law requires a refund, it applies over this policy.
10. Availability
We aim to keep the service available but do not promise uninterrupted operation. We may change or withdraw features. Your bills, results and letters are on your device and remain usable there; the checks and subscriber sign-in need our service to be reachable. If we discontinue the service we will give you notice, and you can download everything from Settings at any time.
11. Termination
You may stop using the service at any time: erase the data on your device from Settings and, if you subscribe, cancel from the billing page. We may cancel a subscription or refuse service for a breach of section 5, for non-payment, or if we are required to by law. Apart from any messages you sent us, which we keep as the Privacy Policy explains and delete on request, we store nothing about you; the payment provider keeps its payment records under its own policy, as described in the Privacy Policy.
12. Disclaimers and liability
The service is provided "as is". To the extent the law allows, we exclude implied warranties of merchantability and fitness for a particular purpose.
To the extent the law allows, we are not liable for indirect or consequential loss, or for any decision you make about paying, disputing or not paying a bill. Our total liability in any 12-month period is limited to the amount you paid us for the service in that period.
We are not a party to any agreement or dispute between you and a healthcare provider, an insurer, a collection agency or anyone else, and we never act on your behalf. Whether to pay, question, dispute, complain about or take legal action over a bill is your decision, and what follows from it, including any dispute, proceeding, cost or outcome, is your responsibility. We do not promise that asking about a charge will lead to a refund, a reduction or any other result.
Nothing in these terms limits liability that cannot be limited by law, including liability for death or personal injury caused by negligence, or for fraud. If you are a consumer, your statutory rights are unaffected.
13. Governing law and disputes
The operator is established in Spain. The law that governs these terms, and where disputes may be brought, depends on where you live: as a consumer you generally keep the protection of the mandatory law of your country of residence and can usually bring a claim in your local courts.
Beyond this, these terms deliberately do not choose a governing law or a forum for disputes.
The European Commission's online dispute resolution platform closed on 20 July 2025. If you live in the EU and we cannot settle a complaint together, your national consumer authority can point you to the dispute bodies available where you live.
14. Changes
We may update these terms. Material changes get a new version number and effective date, and the app will show you that they changed and ask you to agree again before it next sends the figures of a bill for the checks. The version you accepted is recorded on your device.
15. Contact
hello@medbillcheckup.com for general and billing support. privacy@medbillcheckup.com for privacy.
Version 2.14, effective 2026-11-01