Terms of Service

Effective: October 24, 2026

1. Acceptance of terms and corporate entity

These Terms of Service ("Terms") constitute a legally binding agreement between you, whether personally or on behalf of an entity ("User," "you," or "your"), and Unified Web ("Company," "we," "us," or "our"). These Terms govern your access to and use of the payortransparency.com website, the app at app.payortransparency.app and any related data services (collectively, the "Platform").

BY ACCESSING, BROWSING, OR USING THE PLATFORM, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTOOD, AND AGREE TO BE BOUND BY THESE TERMS. IF YOU DO NOT AGREE, YOU ARE EXPRESSLY PROHIBITED FROM USING THE PLATFORM AND MUST DISCONTINUE USE IMMEDIATELY.

2. Healthcare data disclaimer and limitations of reliance

2.1 Not medical or financial advice

The pricing, provider, and insurance data provided on the Platform (the "Data"), including aggregated Medicare DMEPOS Competitive Bidding Program rules, fee schedules, and HCPCS code variances, is strictly for informational, educational, and analytical purposes. The Company aggregates and analyzes publicly available machine-readable files (MRFs) that health plans publish under federal price transparency rules, together with public Medicare data. The Company does not provide medical advice, diagnosis, treatment, or clinical guidance. Nothing on the Platform should be construed as a binding price estimate, an offer to finance care, or a recommendation for any specific healthcare provider or facility.

2.2 Data accuracy and third-party sources

The Data is derived from highly complex, voluminous MRFs published by health insurance issuers and third-party administrators. These source files frequently contain reporting errors, formatting anomalies, "ghost rates," and clinically implausible provider-rate combinations due to errors at the source level. The Company does not create or independently verify the accuracy, completeness, or timeliness of this underlying Data.

2.3 Assumption of risk

YOU EXPRESSLY AGREE THAT YOUR USE OF THE PLATFORM AND RELIANCE ON THE DATA IS AT YOUR SOLE RISK. The Company shall not be liable for any discrepancies between the prices displayed on the Platform and the actual amounts billed by providers, processed by health plans, or adjudicated in an Explanation of Benefits (EOB).

3. Subscriptions, billing, and automatic renewals

3.1 Payment

Premium features of the Platform are available exclusively on a subscription basis, at the price the app shows at checkout, or as agreed in writing for All access. By selecting a subscription plan, you authorize the Company and its designated third-party payment processors, or Link when Link is the merchant of record for the purchase, to charge your provided payment method on a recurring basis.

The Company provides the app and licenses it to the subscriber. For a purchase made through Stripe Managed Payments, Link (operated by Stripe) is the merchant of record and handles the payment, receipts, invoices, tax and any refund under its own terms, and the buyer can manage or cancel that purchase on link.com. A subscription bought any other way is sold by the Company directly.

3.2 Automatic renewal terms

YOUR SUBSCRIPTION WILL AUTOMATICALLY RENEW AT THE END OF EACH BILLING CYCLE UNLESS YOU CANCEL IT PRIOR TO THE RENEWAL DATE. The renewal charge will be the same as the original subscription price, unless we notify you of a material change or price increase at least seven (7) to thirty (30) days in advance of the renewal date.

3.3 Cancellation

You may cancel a subscription at any time, month to month or at the annual price, which is billed once a year in advance. A workspace owner cancels it online, from the profile page in the app, without any further step that obstructs or delays the cancellation. A subscription bought through Stripe Managed Payments can also be cancelled on link.com by the person who bought it.

Cancellation takes effect at the end of the period already paid (the month, or the year on the annual price), and access continues until then, except that a code bundle added since the last invoice, which has not been billed, ends at once. Refunds are generally not available except where the law requires one or where Link grants one under its terms.

4. Acceptable use and system integrity

4.1 Automated access

The Platform has no public application programming interface (API). The Company applies automated rate limits to the app to protect the stability of the Platform, and may adjust them at any time.

4.2 Prohibited scraping and abuse

You agree not to use automated scripts, spiders, robots, or web scrapers to extract, aggregate, or index Data from the Platform; not to reverse-engineer any software comprising the Platform; not to use the Platform to build a competitive product, create a derivative commercial database, or engage in the unauthorized commercial redistribution of the Data; and not to enter patient information or identifiable health records into the Platform. Progressive enforcement, including automated throttling or permanent account suspension, may be applied to anyone who breaks these rules.

5. Disclaimer of warranties and limitations of liability

5.1 Disclaimer

THE PLATFORM, INCLUDING ALL HEALTHCARE DATA, ANALYTICS, AND OUTPUTS, IS PROVIDED ON AN "AS-IS" AND "AS-AVAILABLE" BASIS. WE EXPRESSLY DISCLAIM ALL WARRANTIES OF ANY KIND, INCLUDING THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT.

5.2 Limitations of liability

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL THE COMPANY BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING LOSS OF PROFITS, DATA, OR REVENUE. NOTWITHSTANDING ANYTHING TO THE CONTRARY CONTAINED HEREIN, THE COMPANY’S TOTAL CUMULATIVE LIABILITY TO YOU WILL AT ALL TIMES BE LIMITED TO THE AMOUNT PAID, IF ANY, BY YOU TO THE COMPANY FOR THE SERVICES DURING THE TWELVE (12) MONTHS PRECEDING THE CAUSE OF ACTION.

6. General release, dispute resolution, and DMCA

6.1 General release of unknown claims

To the maximum extent permitted by law, you release the Company from all liability arising out of your use of the Platform. If you are a California resident, you expressly waive California Civil Code Section 1542, which states, "A general release does not extend to claims that the creditor or releasing party does not know or suspect to exist in his or her favor at the time of executing the release and that, if known by him or her, would have materially affected his or her settlement with the debtor or released party."

6.2 Binding arbitration and class action waiver

You and the Company agree that any dispute shall be finally and exclusively resolved by binding arbitration administered by the American Arbitration Association (AAA). The arbitration shall be seated in San Francisco, California. YOU AGREE THAT CLAIMS MAY ONLY BE BROUGHT IN YOUR INDIVIDUAL CAPACITY, NOT AS A CLASS MEMBER.

6.3 California judicial reference

If the arbitration agreement is found unenforceable and the dispute is filed in a California state court, you explicitly agree that the controversy shall be resolved by a general reference proceeding administered by a private judge pursuant to California Code of Civil Procedure Section 638 et seq., effectively waiving the right to a jury trial.

6.4 Copyright notices (DMCA)

The Company respects the intellectual property rights of others in accordance with the DMCA (17 U.S.C. § 512). To report copyright infringement, send written notice to billing@payortransparency.com detailing the copyrighted work, its location on the Platform, and your contact information, under penalty of perjury.

6.5 Governing law

These Terms are governed by the laws of California.