Terms of Service

CANDID TERMS OF SERVICE
Version 1.4 — Effective April 8, 2026
Operated by Airgetlam Labs LLC

1. ACCEPTANCE OF TERMS
By creating an account or using any Candid service, you ("you" or "User") agree to be bound by these Terms of Service ("Terms"). If you do not agree, do not create an account or use the platform. These Terms constitute a legally binding agreement between you and Airgetlam Labs LLC ("Candid," "we," "us," or "our").

2. ELIGIBILITY
You must be at least 18 years of age and legally capable of entering into binding contracts. By using Candid, you represent that you have legal authority over any medical billing records or insurance documents you upload. Candid is not intended for use by minors.

3. SERVICE DESCRIPTION
Candid is a consumer financial technology platform that provides the following services:
(a) Candid Claim (Free Tier) — Automated medical bill auditing that identifies potential overcharges, billing errors, unbundling violations, upcoding, and duplicate charges by comparing your bills against public pricing benchmarks.
(b) Candid Plan — Insurance benefits analysis that identifies covered benefits, in-network advantages, and cost-sharing opportunities you may not be utilizing.
(c) Candid Claim (Paid Tier) — Factual inquiry template generation, documentation aggregation, and educational dispute workflows to help you contest identified billing errors.
(d) Candid Case — A directory of attorneys who specialize in healthcare billing disputes, medical debt, and insurance coverage issues.
(e) Candid Care — Price transparency estimates comparing procedure costs across providers in your area, powered by aggregated public and user-contributed data.
(f) Insurance card scanning — upload your insurance card for automatic extraction of plan details.
(g) Email document intake — forward healthcare documents to your Candid email address for processing.

Candid matches you with relevant insurance plan data from public sources (CMS Marketplace API) and our canonical plan database built from de-identified user-contributed plan documents.

Marketplace listings on Candid (attorneys, providers, health services) are for informational purposes only and do not constitute an endorsement, referral, or recommendation by Candid or Airgetlam Labs LLC.

4. DOCUMENT PREPARATION — NOT LEGAL ADVICE OR LEGAL DETERMINATIONS
IMPORTANT: Candid is a factual inquiry template tool and educational resource. Candid does NOT:
- Provide legal advice, legal opinions, or legal representation
- Make legal determinations or apply legal theories to your specific facts
- Analyze whether a provider violated any specific law or regulation
- Recommend specific legal arguments or dispute strategies
- Provide medical advice or act as your attorney or advocate
All dispute templates, audit reports, and informational outputs generated by Candid are factual inquiry tools for your independent use. Dispute templates populate only factual data you provide (provider names, dates, procedure codes, charge amounts) into standardized letter formats. You — not Candid — select which template to use, review all content for accuracy, decide whether and when to send any document, and physically send any correspondence yourself.
Candid never submits, files, or sends documents on your behalf. Candid does not determine legal merit, evaluate claims, or advise on whether to pursue a dispute. You maintain full control over all communications with providers, insurers, and other parties.

5. NO GUARANTEE OF OUTCOMES
Audit findings, benefit analyses, and cost estimates are based on publicly available data and the information you provide. They may not reflect your actual costs, coverage terms, or legal rights. Candid does not guarantee any financial outcome, dispute resolution, billing adjustment, or recovery amount. Past results for other users do not predict your results.

6. USER RESPONSIBILITIES
You agree to:
(a) Provide accurate and complete information, including insurance plan details and uploaded documents
(b) Review all generated documents before use
(c) Not use Candid for any unlawful purpose or to submit fraudulent claims
(d) Not attempt to reverse-engineer, scrape, or systematically extract data from the platform
(e) Maintain the security of your account credentials
(f) Promptly notify us of any unauthorized access to your account

7. ACCOUNT AND SUBSCRIPTION TERMS
(a) Free Tier — Candid Claim (free audit) and Candid Plan are available at no charge, subject to usage limits we may establish.
(b) Paid Subscription — Access to premium features (paid Candid Claim, Candid Case, Candid Care) requires an active subscription. Subscription fees, billing cycles, and included features are displayed at the time of purchase.
(c) Billing — Access to premium features requires a subscription or service fee. Specific billing terms, timing (such as advance or arrears billing), and cycles are displayed at the time of purchase. Payment is processed through Stripe, Inc. You authorize us to charge your selected payment method.
(d) Cancellation — You may cancel your subscription at any time through your account settings. Cancellation takes effect at the end of your current billing period. No partial refunds are provided for unused portions of a billing period.
(e) Price Changes — We may change subscription prices with 30 days' notice. Price changes take effect at the start of your next billing period after the notice.

8. INTELLECTUAL PROPERTY
All content, software, algorithms, designs, and documentation comprising the Candid platform are owned by Airgetlam Labs LLC or its licensors. You retain ownership of all documents you upload. You grant us a limited license to process your uploaded documents solely for the purpose of providing the services described in Section 3. This license terminates when you delete your documents or close your account.

9. LIMITATION OF LIABILITY
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, AIRGETLAM LABS LLC SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, DATA, OR GOODWILL, ARISING FROM YOUR USE OF OR INABILITY TO USE THE PLATFORM. OUR TOTAL AGGREGATE LIABILITY FOR ALL CLAIMS ARISING FROM THESE TERMS SHALL NOT EXCEED THE AMOUNT YOU PAID US IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM, OR ONE HUNDRED DOLLARS ($100), WHICHEVER IS GREATER.

10. INDEMNIFICATION
You agree to indemnify and hold harmless Airgetlam Labs LLC, its officers, employees, and agents from any claims, damages, losses, or expenses (including reasonable attorneys' fees) arising from: (a) your use of the platform, (b) your violation of these Terms, (c) your use of any documents generated by Candid, or (d) your interactions with providers, insurers, attorneys, or other third parties facilitated through Candid.

11. DISPUTE RESOLUTION
(a) Informal Resolution — Before filing any formal proceeding, you agree to contact us via the support ticket system on your account Settings page and attempt to resolve the dispute informally for at least 30 days.
(b) Binding Arbitration — Any dispute not resolved informally shall be resolved by binding arbitration administered by the American Arbitration Association ("AAA") under its Consumer Arbitration Rules. Arbitration shall be conducted in English, and the arbitrator's decision shall be final and binding.
(c) Class Action Waiver — You agree that any dispute resolution proceedings will be conducted only on an individual basis and not in a class, consolidated, or representative action.
(d) Small Claims Exception — Either party may bring an individual action in small claims court if the claim falls within that court's jurisdiction.
(e) Opt-Out — You may opt out of this arbitration agreement by submitting a support ticket within 30 days of creating your account with the subject "Arbitration Opt-Out."

12. GOVERNING LAW
These Terms are governed by the laws of the State of Delaware, without regard to conflict-of-law principles. For any disputes not subject to arbitration, you consent to the exclusive jurisdiction of the state and federal courts located in Delaware.

13. TERMINATION
We may suspend or terminate your account if you violate these Terms or engage in activity that harms Candid, other users, or third parties. You may close your account at any time. Upon termination, your right to use the platform ceases immediately. Sections 4, 5, 9, 10, 11, and 12 survive termination.

14. SEVERABILITY
If any provision of these Terms is found unenforceable, the remaining provisions remain in full effect.

15. ENTIRE AGREEMENT
These Terms, together with our Privacy Policy, Health Data Consent, and any other consent documents you accept, constitute the entire agreement between you and Airgetlam Labs LLC regarding the Candid platform.

16. MODIFICATIONS
We may update these Terms at any time. Material changes will be communicated via email and will require re-acceptance before continued use of gated features. Your continued use of Candid after re-acceptance constitutes agreement to the updated Terms.

17. CONTACT
Airgetlam Labs LLC
Contact us via your account Settings page or by submitting a support ticket at candidclaim.com.