Terms of Service

Overturn provides AI-powered software that helps healthcare practices generate insurance denial appeal letters from denial documents and supporting clinical information you upload. The service is provided "as is" and is intended as a tool to assist your practice's billing and appeals workflow. Overturn does not submit appeals to payers, does not communicate directly with insurance carriers on your behalf, and does not guarantee any particular outcome on any appeal.

You and your practice remain responsible for:

• Reviewing every appeal letter Overturn generates before submission.
• Verifying clinical accuracy and applicability to the specific patient case.
• Submitting appeals to payers through your existing channels.
• Complying with all applicable laws, regulations, payer rules, and professional standards.

You must be at least 18 years old and legally able to enter into a contract. Overturn is intended for use by U.S.-based healthcare practices and their authorized billing personnel.

• You are responsible for keeping your login credentials secure.
• You are responsible for all activity under your account.
• You must notify us immediately at security@hioverturn.com if you suspect unauthorized access.
• Each user seat is for one named individual. Sharing logins is a violation of these Terms.

You agree not to:

• Use Overturn for any unlawful purpose.
• Upload information you do not have the legal right to upload.
• Submit appeals that are knowingly fraudulent, misleading, or unsupported by clinical documentation.
• Reverse engineer, decompile, or attempt to extract the source code of the service.
• Resell, sublicense, or white-label the service without a written agreement with us.
• Use the service to harass, defame, or harm any party.
• Use automated tools to scrape, copy, or load-test the service without written permission.
• Attempt to circumvent rate limits, security controls, or billing.

We may suspend or terminate accounts that violate these rules.

If you upload Protected Health Information (PHI) to Overturn, you and Overturn are also bound by a separate Business Associate Agreement (BAA), which controls our handling of PHI under HIPAA.

You represent that:

• You are a Covered Entity or a Business Associate as defined under HIPAA, or you are acting on behalf of one.
• You have the authority and any required patient authorizations to upload the information you submit.
• The information you upload is necessary for the appeal you are generating and consistent with the minimum necessary standard.

We commit to:

• Treating PHI as required by the BAA and HIPAA.
• Never using PHI to train AI models.
• Never selling or sharing PHI outside the service providers required to deliver the product.
• Deleting source documents (denial letters, chart notes) within 24 hours of appeal generation.

• Overturn is offered at $199 per month per practice account, billed monthly in advance.
• New accounts may receive a 14-day free trial. No credit card is required to start the trial.
• After the trial, your card is charged on the first day of each billing cycle.
• All fees are non-refundable except as required by law or as expressly stated in writing by us.
• We may change pricing for new customers at any time. Existing customers will receive at least 30 days' notice before any price increase.

You can cancel your subscription at any time from your account settings. Cancellation takes effect at the end of your current billing period. You will retain access to the service until that period ends and will not be charged again.

We may terminate or suspend your account immediately if you materially breach these Terms, fail to pay, or use the service in a way that creates legal risk for us or other customers.

• Overturn (the software, the brand, the documentation, the templates) is owned by Overturn Solutions LLC.
• You retain ownership of all data you upload, including denial letters, chart notes, and the appeal letters Overturn generates for you.
• You grant us a limited license to process your data solely to provide the service.
• We may use aggregated, de-identified data to improve the service. This data cannot reasonably be used to identify you, your practice, or any patient.

Appeal letters generated by Overturn are produced by AI models based on the inputs you provide. AI output may contain errors, omissions, or content that does not fit your specific case. You are responsible for reviewing every generated appeal before submission. Overturn is not the author of any appeal you submit, and you submit appeals at your own discretion and risk.

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE." TO THE MAXIMUM EXTENT PERMITTED BY LAW, OVERTURN DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY, AND NON-INFRINGEMENT.

WE DO NOT GUARANTEE:

• That any specific appeal will be approved or overturned by any payer.
• That the service will be uninterrupted, error-free, or available at all times.
• Any specific recovery rate, financial outcome, or revenue impact.

Healthcare practice management, billing, and appeals are governed by laws and payer rules that change frequently. You are responsible for staying current with the requirements that apply to your practice.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, OVERTURN'S TOTAL LIABILITY TO YOU FOR ANY CLAIM ARISING FROM OR RELATED TO THESE TERMS OR THE SERVICE IS LIMITED TO THE AMOUNT YOU PAID US IN THE 12 MONTHS PRECEDING THE CLAIM.

OVERTURN IS NOT LIABLE FOR INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, OR PUNITIVE DAMAGES, INCLUDING LOST PROFITS, LOST REVENUE, OR LOST DATA, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

Some jurisdictions do not allow these limitations. In those jurisdictions, our liability is limited to the maximum extent permitted by law.

You agree to defend and indemnify Overturn against any claim, loss, or expense (including reasonable attorneys' fees) arising from:

• Your violation of these Terms.
• Your violation of any law or third-party right.
• Information you upload or appeals you submit.
• Your use of the service in connection with patient care decisions.

These Terms are governed by the laws of the State of New Jersey, without regard to conflict of law principles. Any dispute will be resolved in the state or federal courts located in New Jersey, and you consent to personal jurisdiction there.

We may update these Terms as the service or the law evolves. We'll post the updated version here with a new "Last updated" date. For material changes, we'll notify you by email at least 30 days before the change takes effect. Continued use of the service after the change means you accept the updated Terms.

These Terms, together with our Privacy Policy and any applicable Business Associate Agreement, are the entire agreement between you and Overturn regarding the service. If any provision is found unenforceable, the rest of these Terms remain in effect.

Questions about these Terms:

• Email: legal@hioverturn.com
• General: hello@hioverturn.com
• Mail: Overturn Solutions LLC, [Your NJ Business Address]