Welcome to Wikisurance. By accessing or using our platform, you agree to be bound by these Terms of Service. If you do not agree to these terms, you must not use our services.

1. Medical & Legal Disclaimers (Important)

WIKISURANCE IS A TECHNOLOGY COMPANY, NOT A LAW FIRM OR A HEALTHCARE PROVIDER.

No Medical Advice: The content and tools provided by Wikisurance do not constitute medical advice, diagnosis, or treatment. Always seek the advice of a qualified health provider regarding a medical condition.
No Legal Advice: While we assist in drafting administrative appeals for insurance denials, we do not provide legal representation or legal advice. Using our platform does not create an attorney-client relationship.
No Guarantee of Success: Insurance appeals are subject to the discretion of the payer and external review boards. Wikisurance makes no warranties or guarantees that using our platform will result in a reversed denial or financial reimbursement.

2. User Responsibilities & Data Accuracy

You are responsible for ensuring that all documents and information you upload (e.g., medical records, denial letters, policy documents) are accurate, complete, and legally yours to share.

Fraud Prohibition: You explicitly agree not to use our platform to submit fraudulent claims, falsify medical records, or deceive insurance providers. Violation of this clause will result in immediate account termination and potential reporting to relevant authorities.

3. Artificial Intelligence Tools

Wikisurance utilizes Artificial Intelligence to parse medical documents and generate appeal drafts. While we strive for high accuracy, AI-generated content may occasionally contain errors or misinterpret clinical nuance. You are solely responsible for reviewing, verifying, and approving any appeal documents generated by our platform before submitting them to your insurance provider.

4. Indemnification

You agree to indemnify, defend, and hold harmless Wikisurance, its officers, directors, employees, and agents from any claims, liabilities, damages, losses, or expenses (including reasonable attorneys' fees) arising out of your violation of these Terms, your misuse of the platform, or any fraudulent activity associated with your account.

5. Dispute Resolution & Arbitration

Please read this section carefully, as it affects your legal rights.

Any dispute, claim, or controversy arising out of or relating to these Terms or the breach, termination, enforcement, interpretation, or validity thereof, shall be determined by mandatory binding arbitration in the state of Delaware, rather than in court. You and Wikisurance agree to waive the right to a trial by jury or to participate in a class action.

6. Account Termination

We reserve the right to suspend or terminate your account at our sole discretion, without notice or liability, for any reason, including but not limited to a breach of these Terms.

7. Contact Us

If you have any questions about these Terms, please contact our legal team at support@indicwave.com.