Terms of Service

01This agreement

These Terms of Service are an agreement between Radvix Solutions LLC ("Radvix", "we", "us"), which operates BillingIQ, and the practice or organization using it ("you"). By creating an account, granting us access to a billing system, or letting us work a claim on your behalf, you accept these terms.

If we have signed a separate services agreement, order form, or Business Associate Agreement with you, those documents control where they conflict with these terms. Data handling is described in our Privacy Policy, which forms part of this agreement.

02What BillingIQ does, and what it is not

We read your remittance and claim data, identify denials, downcodes, underpayments, and claims a payer has not answered, estimate what is recoverable, and prepare appeals, reconsiderations, and status demands for you to approve and submit. Where you authorize it, we submit approved correspondence as your agent.

• We are not a law firm and provide no legal advice or representation. Nothing here creates an attorney-client relationship. References to prompt-pay statutes, ERISA, or penalty exposure are informational leverage, not a legal opinion on your claim. Engage your own counsel before pursuing a statutory or litigation remedy.
• We are not your coder or clinician. You remain responsible for the clinical accuracy of documentation and for the codes submitted on your claims.
• We do not guarantee recovery. Dollar figures shown in the product and on our website are estimates produced from your data and industry assumptions. Payers, deadlines, plan terms, and self-funded ERISA preemption are outside our control.
• We are not a clearinghouse and do not replace your billing system. We work alongside them.

03You approve before anything goes out

Every appeal, reconsideration, and demand we prepare is queued for a person at your practice to review and approve. We do not submit correspondence you have not approved, except where you have expressly asked us in writing to act on a standing authorization.

04Automated drafting

Letters may be drafted with the assistance of automated language models, using the minimized claim data described in our Privacy Policy. Automated drafting can be wrong, can misstate a policy, and can produce language unsuited to a particular payer. Treat every draft as a draft. Your review before approval is a required part of the service, not a formality, and we disclaim responsibility for content you approve without reviewing.

05Accounts and access

• You must be authorized to bind your practice and to grant us the access you grant.
• You are responsible for the people you invite, for what they approve, and for removing them when they leave.
• Keep credentials confidential and tell us promptly if you suspect an account has been compromised.
• You may revoke our access to your billing systems at any time. Doing so stops new work; fees already earned on recovered amounts remain payable.
• We may suspend access without notice where we reasonably believe there is a security risk, unlawful use, or a serious breach of these terms.

06Your responsibilities

• You warrant that you have the legal right and authority to share the claim data you give us and to let us access the accounts you connect, including under your payer and clearinghouse agreements.
• You will execute a Business Associate Agreement with us before we access PHI, and you will not send us more patient information than the work requires.
• You will not send us clinical records, patient correspondence, or payment card data.
• You will keep your own copies of your data and your own records of what was submitted. We are not your system of record.
• You will use the service lawfully, and will not submit an appeal you know to be unsupported.

07Fees and payment

• Recovery scan — free. The initial analysis of your remittance history carries no charge and no obligation.
• Backlog recovery — 15% of amounts recovered. Applies to claims already aged in your accounts receivable when we start.
• Ongoing recovery — 10% of amounts recovered. Applies to claims we monitor and work on an ongoing basis, including pre-submission scrubbing.

Fees are contingent. We invoice only on additional amounts that actually post to your accounts as a result of work we performed — an overturned denial, a corrected downcode, a paid underpayment, a released claim. If nothing posts, there is no invoice. Money is paid by the payer directly to you; we never hold your funds.

• Invoices are issued monthly in arrears and are due 15 days after receipt unless your order form says otherwise.
• Fees exclude taxes, which are your responsibility where they apply.
• Amounts recovered are measured against the payer's prior position on the same claim. Where attribution is genuinely unclear, we will discuss it before invoicing and will not charge on amounts we cannot connect to our work.
• Overdue balances may accrue interest at the lower of 1.5% per month or the maximum the law allows, and we may pause work while an account is materially overdue.
• Fees already earned survive termination.

08Data, privacy, and HIPAA

You own your data. We process it as your Business Associate, on your instructions, under the BAA and our Privacy Policy. We keep the minimum an insurer needs to process an appeal — patient name, member ID and date of service — and discard other identifiers at ingestion. Nothing identifying is sent to an AI model, we do not sell data, and we do not use your claims to train models. On termination we return or destroy the PHI we hold at your written request, on the timeline in the BAA.

09Term and termination

• This agreement runs until either of us ends it. There is no minimum term unless your order form sets one.
• You may terminate at any time by written notice or by revoking our access.
• We may terminate on 30 days' written notice, or immediately for material breach, non-payment after notice, or unlawful use.
• On termination we stop new work, complete or hand back anything in flight as you direct, invoice fees earned, and deal with your PHI as the BAA requires.

10Intellectual property

We own the BillingIQ platform, the recovery engine, its scoring logic, our letter templates, and everything we build. You get a non-exclusive, non-transferable right to use the service while this agreement is in force. You may not copy, reverse engineer, resell, or benchmark the service for a competing product.

You own your claim data and the correspondence produced for your practice. If you send us feedback, we may use it to improve the service without owing you anything for it. We will not name you as a customer publicly without your permission.

11Confidentiality

Each of us will protect the other's non-public information — your contract rates, fee schedules, and recovery figures; our pricing, engine logic, and roadmap — with at least reasonable care, use it only for this engagement, and disclose it only to people who need it and are bound to protect it. This does not cover information that is already public, was independently developed, or must be disclosed by law, and PHI is governed by the BAA instead.

12Disclaimers

Except as expressly stated here, the service is provided "as is" and we disclaim all implied warranties, including merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that the service will be uninterrupted or error free, that any estimate will be realized, that any appeal will be overturned, or that any deadline calculation is a substitute for your own tracking. Appeal windows, payer policies, and plan terms change without notice and vary by payer, plan, and state.

13Limitation of liability

Neither party is liable for indirect, incidental, special, consequential, or punitive damages, or for lost profits, lost revenue, or lost data, even if warned they were possible.

Our total liability arising out of or relating to this agreement is capped at the greater of the fees you paid us in the twelve months before the claim arose, or one thousand US dollars. This cap does not apply to our obligations under the BAA in respect of a breach caused by us, to our indemnity below, or to liability that cannot be limited by law.

14Indemnities

You will defend and indemnify us against claims arising from data you gave us that you had no right to share, from access you granted that you were not authorized to grant, from correspondence you approved, and from your violation of law or of a payer agreement.

We will defend and indemnify you against third-party claims that the BillingIQ platform infringes their intellectual property, and against claims arising from our own gross negligence, willful misconduct, or breach of the BAA. The party seeking indemnity must give prompt notice and reasonable cooperation.

15Changes

We may update these terms. For material changes we will give notice by email or in the portal at least 15 days before they take effect, and the effective date at the top will change. If a change is unacceptable to you, stop using the service before it takes effect; continued use after that date is acceptance. We may also modify or discontinue features, and will not materially reduce the core recovery service during a paid engagement without notice.

16Governing law and disputes

This agreement is governed by the laws of the State of Florida, without regard to its conflict of laws rules. The exclusive venue for any dispute is the state or federal courts located in Florida, and each party consents to jurisdiction there.

Before filing anything, the parties will try to resolve the dispute informally: send a written description to legal@billingiq.app and give us 30 days to work it out with you. Either party may still seek injunctive relief to protect confidential information or intellectual property at any time.

17General

• These terms, with the Privacy Policy, BAA, and any order form, are the entire agreement between us and replace earlier discussions.
• Neither party may assign this agreement without the other's consent, except to a successor of its business.
• If a provision is unenforceable, the rest stays in force.
• Neither party is liable for delays caused by events outside its reasonable control, including payer outages and provider failures.
• Notices to us go to legal@billingiq.app; notices to you go to the email on your account.
• We are independent contractors. Nothing here creates a partnership, joint venture, or employment relationship.
• Confidentiality, fees earned, IP, disclaimers, liability limits, and indemnities survive termination.

18Contact us

Radvix Solutions LLC, operator of BillingIQ. Legal notices: legal@billingiq.app. Privacy and HIPAA matters: privacy@billingiq.app.