Terms of Service

1. Acceptance of Terms

By accessing or using rekupr ("Service"), operated by Lumio Ventures, LLC ("Company," "we," "our," "us"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to all of these Terms, do not use the Service. Your continued use of the Service following the posting of any changes to these Terms constitutes your acceptance of those changes.

2. Service Description

rekupr is a technology tool that analyzes medical bills and Explanation of Benefits (EOB) documents. The Service uses a combination of automated systems — including optical character recognition (OCR), automated billing analysis, and artificial intelligence (AI) — to identify potential billing issues, translate medical codes into plain language, calculate estimated potential savings, and generate suggested appeal letter templates.

3. AI and Automated Processing Disclosure

YOU ACKNOWLEDGE THAT:

• All analysis is performed by automated systems, including AI and machine learning models
• AI results are probabilistic — they represent the system's best estimate, not certainties
• OCR may misread text, numbers, dates, or codes from your documents
• Our automated analysis applies general billing checks that may not account for your specific insurance plan, provider agreements, or state regulations
• Savings estimates are dynamically calculated based on detected potential issues and are not guaranteed recoveries
• Results may vary between analyses of the same document
• AI technology has inherent limitations and can produce incorrect conclusions

4. Not Professional Advice

THE SERVICE DOES NOT PROVIDE:

• Medical advice — we are not healthcare providers
• Legal advice — we are not attorneys
• Financial or tax advice — we are not financial advisors
• Professional medical billing or coding advice — we are not certified coders
• Insurance advice — we are not insurance agents

The Service is for informational and educational purposes only.

5. Mandatory Professional Consultation

BEFORE TAKING ANY ACTION based on information from the Service, you must consult with the appropriate qualified professionals, including but not limited to:

• Your healthcare provider regarding any medical-related questions
• A qualified attorney for any legal questions or before sending formal communications
• The billing department of your healthcare provider to verify charges
• Your insurance company to verify coverage and benefits
• A financial advisor for financial decisions related to your medical bills

We strongly recommend that you do not dispute any charges, send any communications, or take any action regarding your medical bills without first consulting appropriate professionals.

6. Account and Anonymous Use

The Service supports both registered accounts and anonymous use:

• Anonymous sessions: You may upload a limited number of documents without creating an account. Anonymous sessions are identified by a visitor ID stored in your browser, and results are retained according to our data retention policy.
• Registered accounts: Creating an account provides access to your full analysis history, additional features, and data management capabilities. You are responsible for maintaining the confidentiality of your account credentials.
• Conversion: If you create an account after using the Service anonymously, analyses from your anonymous session may be linked to your new account.

7. Your Uploads and Data License

By uploading documents to the Service, you acknowledge and agree to the following:

• You grant rekupr a limited, non-exclusive license to process, store, analyze, and display your documents solely for the purpose of providing the Service to you
• You confirm that you have the legal right to upload every document you submit
• You are solely responsible for the accuracy and completeness of the documents you upload
• We may use aggregated, anonymized, and de-identified data derived from uploaded documents for product improvement, research, and analytics purposes, provided such data cannot reasonably be used to identify any individual
• We will never sell your individual documents or personally identifiable information to third parties

8. Appeal Letters and Communications

The Service may generate suggested appeal letters and communications based on your analysis results. You acknowledge and agree that:

• Generated letters are templates and starting points only, not finished documents ready to send
• You must carefully review, edit, and verify all content before sending any communication
• Generated letters may contain errors, inaccuracies, or content that is inappropriate for your specific situation
• You are solely responsible for any communications you send, regardless of whether they were generated by the Service
• You should consult with a qualified attorney before sending any formal appeals or legal communications

9. Acceptable Use

You agree NOT to:

• Upload documents you do not have the legal right to share
• Use the Service to commercially process third-party protected health information (PHI)
• Reverse-engineer, decompile, or attempt to extract the source code, automated analysis logic, or AI models underlying the Service
• Use automated scripts, bots, or scraping tools to access or interact with the Service
• Circumvent rate limits, access controls, or security measures
• Use the Service for any unlawful purpose or in violation of any applicable law or regulation
• Interfere with or disrupt the Service infrastructure, servers, or networks

10. Third-Party Services

To provide the Service, your uploaded document content is transmitted to:

• Google Cloud Platform (operated by Google LLC) for document processing, analysis, and encrypted storage
• Stripe (operated by Stripe, Inc.) for payment processing — Stripe receives payment information only, not document contents

Your use of the Service is also subject to the terms of these third-party providers.

11. Data Retention

We retain your data according to the following schedule:

• Original uploaded files: Deleted within 3 days of processing completion
• Analysis results: Retained for up to 7 years to support your ongoing access and any future disputes or appeals you may pursue
• Audit logs: Retained for 6 years for compliance and security purposes
• Account deletion: Upon account deletion, your data will be deleted within 30 days, except where retention is legally required

For complete details on how we collect, use, and protect your data, please refer to our Privacy Policy.

12. Payment Terms

Certain features of the Service require payment. All payments are processed securely through Stripe. By making a payment, you acknowledge that:

• You are paying for access to an educational and informational technology tool, not for professional advice of any kind
• Payment does not guarantee any particular outcome, result, or savings
• All sales are final except as required by applicable law. In cases where analysis completes with no actionable findings, a service credit may be issued at our discretion. Service credits are non-transferable and have no cash value.

13. Intellectual Property

The Service, including its software, automated analysis systems, analysis methodology, user interface, and all original content and functionality, is owned by Lumio Ventures, LLC and is protected by copyright, trademark, and other intellectual property laws. You may not copy, modify, distribute, sell, or lease any part of the Service or its underlying technology without our express written permission.

14. No Guarantees / Savings Disclaimer

WE MAKE NO GUARANTEES REGARDING:

• The accuracy of any analysis or information provided
• Any estimated or potential savings amounts
• The presence or absence of billing errors in your documents
• The success of any appeals or disputes
• Any particular outcome from using the Service
• The completeness of any analysis

Savings estimates displayed by the Service are dynamically calculated based on potential issues detected during analysis. They are estimates only, not promises or guarantees of actual recoveries. Actual savings, if any, depend on your specific insurance plan, provider policies, applicable regulations, and numerous other factors outside our control.

15. Disclaimer of Warranties

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, ACCURACY, OR RELIABILITY. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, OR SECURE, THAT DEFECTS WILL BE CORRECTED, OR THAT THE SERVICE OR ITS SERVERS ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.

16. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW:

• Lumio Ventures, LLC, its officers, directors, employees, agents, and affiliates shall not be liable for any indirect, incidental, special, consequential, punitive, or exemplary damages
• We shall not be liable for any loss of profits, revenue, data, goodwill, or other intangible losses
• We shall not be liable for any damages arising from your reliance on the Service's output
• We shall not be liable for any errors in AI analysis, OCR processing, or document interpretation
• We shall not be liable for any actions taken by healthcare providers, insurers, or other third parties
• Our total aggregate liability for any and all claims arising from or related to your use of the Service shall not exceed the greater of (a) the amount you paid for the Service in the 12 months preceding the claim, or (b) one hundred dollars ($100)

17. Indemnification

You agree to indemnify, defend, and hold harmless Lumio Ventures, LLC and its officers, directors, employees, agents, and affiliates from and against any and all claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys' fees) arising from or related to:

• Your use of the Service
• Any actions you take based on information or output from the Service
• Any communications you send that were generated or informed by the Service
• Your violation of these Terms
• Your violation of any rights of a third party

18. Termination

Either party may terminate this agreement at any time. You may delete your account from your Account Settings page. We may suspend or terminate your access to the Service if you violate these Terms, or at any time with reasonable notice.

Upon termination, your data will be deleted within 30 days, except where retention is required by law. The following sections survive termination: 3 (AI and Automated Processing Disclosure), 4 (Not Professional Advice), 5 (Mandatory Professional Consultation), 7 (Your Uploads and Data License, with respect to aggregated data only), 13 (Intellectual Property), 14 (No Guarantees / Savings Disclaimer), 15 (Disclaimer of Warranties), 16 (Limitation of Liability), 17 (Indemnification), 19 (General Provisions), and 20 (Licensed Medical Coding Content).

19. General Provisions

Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Texas, without regard to its conflict of law provisions.

Dispute Resolution

Any dispute, controversy, or claim arising out of or relating to these Terms or your use of the Service shall be resolved through binding arbitration administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules. The arbitration shall take place in the State of Texas. You agree that any arbitration will be conducted on an individual basis only and not as a class, consolidated, or representative action. You waive any right to participate in a class action lawsuit or class-wide arbitration.

Severability

If any provision of these Terms is found to be unenforceable or invalid by a court of competent jurisdiction, that provision shall be limited or eliminated to the minimum extent necessary so that these Terms shall otherwise remain in full force and effect.

Modifications

We reserve the right to modify these Terms at any time. When we make changes, we will post the updated Terms on this page and update the "Last updated" date. For material changes, we will notify you by email if you have a registered account. Your continued use of the Service after the effective date of any changes constitutes your acceptance of the updated Terms.

Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and Lumio Ventures, LLC regarding your use of the Service and supersede all prior agreements, understandings, and communications, whether written or oral.

Contact

If you have any questions about these Terms, please contact us at support@rekupr.co.

20. Licensed Medical Coding Content (CPT®)

The Service incorporates Current Procedural Terminology (CPT®) content licensed from the American Medical Association (AMA). By using the Service, you agree to the following AMA End User Agreement terms:

1. Licensed Content is copyrighted by the American Medical Association and CPT is a registered trademark of the AMA.
2. rekupr, 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 in rekupr's products, for the sole purpose of your internal use. Upon termination or expiration of the agreement between rekupr and the AMA, rekupr shall notify you. You shall continue to have the right to use Licensed Content for the remainder of the then-current annual release (e.g., through the end of the applicable calendar year) ("End User Tail Period"). Your continued use of the Licensed Content during the End User Tail Period is subject to your continued compliance with all obligations under these terms. Upon the expiration of the End User Tail Period, the sublicense granted under these terms shall automatically terminate.
3. The provision of updated Licensed Content is dependent on a continuing contractual relationship between rekupr and the AMA.
4. You are prohibited from making Licensed Content publicly available; creating derivative works (including translating) of the Licensed Content; and transferring, selling, leasing, licensing, or otherwise making available the Licensed Content, or a copy or portion of Licensed Content, to any unauthorized party, including a subsidiary, affiliate, or other legal entity, however designated, for any purpose whatsoever except as expressly permitted.
5. You expressly acknowledge and agree, to the extent permitted by applicable law, use of the Licensed Content is at your sole risk and the 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. The Licensed Content does not replace the AMA's Current Procedural Terminology book or other appropriate coding authority. The coding information contained in the Licensed Content should be used only as a guide.
6. You are required to keep records and submit reports including information necessary for the calculation of royalties payable to the AMA by rekupr, of the same type as required of rekupr under its agreement with the AMA. You consent to the release of such information to the AMA. You further agree to provide, without delay, additional information that the AMA (as a third-party beneficiary) may reasonably request. Nothing herein shall require you to submit or release information that would cause you to be in violation of applicable federal or state privacy laws.
7. 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. You must ensure that anyone with authorized access to rekupr's products will comply with the provisions of this End User Agreement.
9. The American Medical Association is a third-party beneficiary of this End User Agreement.
10. You expressly consent to the release of your name to the AMA.