Terms & Conditions

Last updated: April 13, 2026

1. Acceptance of Terms

By accessing and using Policy Changes ("the Service"), you accept and agree to be bound by these Terms and Conditions. If you do not agree to these terms, please do not use our Service.

2. Description of Service

Policy Changes is a policy tracking and notification service designed for healthcare providers. We aggregate, analyze, and deliver updates about insurance policy changes from various providers. Our Service includes:

• Automated policy change monitoring
• AI-powered analysis and summarization
• Customized email notifications
• Policy search and filtering capabilities
• Chatbot assistance for policy questions

3. User Accounts

3.1 Account Creation

To use our Service, you must create an account with accurate and complete information. You are responsible for maintaining the confidentiality of your account credentials.

3.2 Account Responsibilities

You agree to:

• Provide accurate, current, and complete information
• Maintain and update your information
• Keep your password secure and confidential
• Notify us immediately of any unauthorized access
• Be responsible for all activity under your account

4. Acceptable Use

You agree not to:

• Use the Service for any unlawful purpose
• Attempt to gain unauthorized access to our systems
• Interfere with or disrupt the Service
• Use automated means to access the Service without permission
• Share your account with others
• Resell or redistribute our content without authorization

5. Subscription and Fees

5.1 Free Tier

We offer a free tier with basic features. We reserve the right to modify or discontinue the free tier at any time.

5.2 Premium Tier

Premium features may be available for a subscription fee. Payment terms will be presented clearly before purchase. Subscriptions automatically renew unless cancelled.

5.3 Refunds

Refund policies will be specified at the time of purchase.

6. Communications and Notifications

6.1 Service Notifications

By creating an account, you consent to receive email notifications about insurance policy changes relevant to your selected preferences (providers, specialties, states, and impact levels). These notifications are a core part of the Service and are sent based on the frequency you configure (immediate, daily, weekly, or monthly). You may adjust your notification preferences or unsubscribe from policy change notifications at any time through your account settings or via the unsubscribe link included in every notification email.

6.2 Marketing Communications

With your opt-in consent, we may also send you occasional emails about product updates, new features, tips, and news related to PolicyChanges.app. You may opt out of marketing communications at any time through your notification preferences or by using the unsubscribe link in any marketing email. Opting out of marketing communications does not affect your policy change notifications.

6.3 Transactional Emails

We may send transactional emails related to your account (e.g., welcome emails, password resets, billing confirmations) regardless of your notification preferences. These are necessary for the operation of your account.

7. Intellectual Property

The Service and its original content, features, and functionality are owned by Policy Changes and are protected by international copyright, trademark, and other intellectual property laws.

7.1 License Grant

We grant you a limited, non-exclusive, non-transferable license to access and use the Service for your personal or internal business purposes.

7.2 User Content

You retain ownership of any content you submit through the Service. By submitting content, you grant us a license to use, modify, and display that content in connection with the Service.

8. Disclaimer of Warranties

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. WE DO NOT WARRANT THAT:

• The Service will be uninterrupted or error-free
• Defects will be corrected
• The Service is free of viruses or harmful components
• The information provided is accurate, complete, or up-to-date

9. Professional Disclaimer

IMPORTANT: Policy Changes is an informational service only. The information provided should not be considered as legal, medical, or professional advice. Always consult with qualified professionals regarding specific policy requirements and compliance matters. We are not responsible for any decisions made based on information provided by our Service.

10. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, POLICY CHANGES SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS OR REVENUES, WHETHER INCURRED DIRECTLY OR INDIRECTLY, OR ANY LOSS OF DATA, USE, OR OTHER INTANGIBLE LOSSES.

11. Indemnification

You agree to indemnify and hold harmless Policy Changes and its affiliates from any claims, damages, losses, liabilities, and expenses arising from your use of the Service or violation of these Terms.

12. Third-Party Content

Our Service displays policy information from third-party insurance providers. We do not control or endorse this content and are not responsible for its accuracy or completeness.

13. Modifications to Service

We reserve the right to modify, suspend, or discontinue any part of the Service at any time, with or without notice.

14. Changes to Terms

We may update these Terms from time to time. We will notify you of material changes by posting the updated Terms on this page. Continued use of the Service after changes constitutes acceptance of the new Terms.

14. Termination

We may terminate or suspend your account and access to the Service at our sole discretion, without notice, for conduct that we believe violates these Terms or is harmful to other users, us, or third parties.

16. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the United States, without regard to its conflict of law provisions.

17. Dispute Resolution

Any disputes arising from these Terms or use of the Service shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association.

18. Severability

If any provision of these Terms is found to be unenforceable, the remaining provisions will continue in full force and effect.

19. Contact Information

If you have questions about these Terms, please contact us at:

Email: legal@policychanges.app