1. The service
BillFight is a document preparation service. When you complete our intake form and pay the fee, we generate a personalized medical bill dispute letter based on the facts you submit. The letter cites applicable federal and state statutes (such as the No Surprises Act, FDCPA, ACA, and HIPAA), sets a 30-day response deadline, and is delivered to you by email — ready to print, sign, and mail to the provider or insurance carrier.
The service is a one-time, single-letter purchase. There is no subscription, no recurring obligation, and no automatic renewal.
2. Not legal advice. Not medical advice.
By using BillFight you acknowledge and agree that:
- →BillFight is not a law firm and is not acting as your attorney. No attorney-client relationship is created by your purchase or use of the service.
- →The dispute letter we generate is a software-produced document based on the facts you submit. It is not reviewed by an attorney before it is sent to you.
- →BillFight does not provide medical advice. We do not interpret diagnoses, recommend treatments, or opine on the medical necessity of any service.
- →For cases involving litigation, large sums in dispute, or layered insurance coverage, you should consult a licensed healthcare attorney or patient advocate. The dispute letter is not a substitute for professional legal counsel.
3. Who may use BillFight
To use the service you must:
- →Be at least 18 years old.
- →Be disputing a medical bill issued in the United States. The statutes cited in our letters are US federal and state laws; the service is not designed for non-US billing.
- →Be the patient named on the bill, the legal guardian of the patient, or the legally authorized representative (for example, under a power of attorney).
4. Fees and payment
Our standard tier is $50 per dispute letter, a one-time payment. We also offer a contingency tier (25% of documented savings, capped at $1,500) and an employer subscription tier described at billfight.io/pricing.
All payments are processed by Stripe. By paying, you authorize Stripe to charge the stated amount using the payment method you provide. Pricing displayed on the site may change; the price charged at checkout is the binding price for your purchase. Sales tax is added where applicable.
If a payment fails or is flagged by Stripe's fraud systems, we will not deliver a letter until the payment clears. We may, at our discretion, refuse a transaction and refund the attempted charge.
5. "No savings = partial refund" guarantee
If you mail the dispute letter we generate and the provider, collection agency, or insurance carrier does not respond with any reduction, adjustment, correction, or reversal within 90 days of the date you mailed the letter (proof of mailing required — certified mail receipt or comparable evidence), email support@billfight.io with the proof of mailing and either (a) the provider's written non-response within 90 days, or (b) a written attestation that no response was received.
If your claim is verified, we will refund 50% of the purchase price (i.e., $25 on the $50 tier). The refund is partial because the letter — and the work it represents — has already been delivered to you; the guarantee covers the outcome of the dispute, not the document itself.
One refund per billing dispute. This guarantee applies only to the $50 standard tier. The contingency tier is success-fee based and not eligible for this partial refund.
6. No guarantee of outcome
BillFight cannot and does not guarantee any specific reduction, payment, adjustment, or response from your provider. Statistics referenced on the site (for example, dispute success rates) are industry estimates drawn from publicly available research; they are not promises about your specific bill. Your outcome depends on many factors outside BillFight's control, including the facts of your bill and your provider's policies.
7. Acceptable use
You agree to use the service in good faith and only for legitimate billing disputes. You agree not to:
- →Submit false, fabricated, or misleading information in the intake form.
- →Use the dispute letter to harass, threaten, or intimidate a provider, billing department, or individual.
- →Use the service against bills you do not have a legitimate factual basis to dispute.
- →Resell, repackage, or commercialize the dispute letter we generate.
If we determine that intake information is fabricated or that the service is being used in bad faith, we may refuse service, decline the partial-refund guarantee, and revoke any unused entitlement.
8. Intellectual property
BillFight retains all rights to the underlying letter template, the dispute-generation engine, the brand, and the website itself. You own the personalized letter we send you and may use it for the stated dispute purpose (mailing to the provider, insurance carrier, or appropriate regulator) and for your own records.
You may not republish, resell, or redistribute the letter as a template, product, or service.
9. Privacy
Your use of the service is governed by our Privacy Policy, which is incorporated into these terms by reference. By using BillFight you confirm that you have read and accept the privacy policy, including the sections on PHI handling and third-party processors (Stripe, OpenAI, Meta, Postmark).
10. Disclaimers and limitation of liability
The service is provided "as is" and "as available" without warranties of any kind, express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, or non-infringement.
To the maximum extent permitted by law, BillFight's total aggregate liability arising out of or relating to your use of the service — for any cause of action, regardless of the form of action — is limited to the amount you actually paid for the specific letter at issue (currently $50 for the standard tier).
BillFight is not liable for any actions taken by your healthcare provider, insurance carrier, collection agency, or any third party in response to the dispute letter; for any effect on your credit report or credit score; for any collection activity that may continue; for any legal proceedings you may face; or for any other indirect, incidental, special, consequential, or punitive damages.
11. Indemnification
You agree to indemnify and hold BillFight harmless from any claim, demand, loss, or expense (including reasonable attorneys' fees) arising out of your use of the dispute letter beyond the stated dispute purpose, your violation of these terms, or your violation of any third party's rights.
12. Dispute resolution
If you have a complaint or dispute with BillFight, please email us first at support@billfight.io and include your order details. We will attempt to resolve your concern within 30 days of receiving your email.
Arbitration. If we cannot resolve your concern informally, you and BillFight agree that any dispute will be resolved exclusively by binding individual arbitration administered by the American Arbitration Association under its Consumer Arbitration Rules. The arbitration will take place in the state of BillFight's principal place of business. The arbitrator's decision is final and may be entered as a judgment in any court of competent jurisdiction.
Class-action waiver. You and BillFight each waive the right to participate in any class action, class arbitration, or other representative proceeding. This does not prevent you from bringing an individual claim.
Small claims. Either party may bring an individual action in small claims court in their jurisdiction for matters within that court's limits. This clause does not waive any non-waivable consumer protection rights you have under the laws of your state.
Opt-out. You may opt out of arbitration by sending written notice to support@billfight.io within 30 days of your first purchase. Your notice must include your name, address, and a clear statement that you wish to opt out of arbitration.
13. Changes to these terms
We may update these terms as the service evolves or as laws change. When we do, we'll post the updated text here with a new "Last Updated" date. If the changes are material, we'll make a reasonable effort to notify active customers before they take effect. Continued use of the service after the updated terms take effect constitutes acceptance.
14. Contact
Questions about these terms? Reach us:
BillFight · support@billfight.io