Terms of Service

Last Updated: December 25, 2025

1. Acceptance of Terms

By accessing or using overcharged. (the "Service"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, do not use the Service.

2. Description of Service

overcharged. is an informational tool that analyzes uploaded medical bills to identify potential billing errors and provides educational information about medical billing rights and protections.

IMPORTANT: This Service does NOT provide medical, legal, or financial advice. All information provided is for educational purposes only.

3. Not Medical, Legal, or Financial Advice

The Service provides educational information only and does not constitute medical, legal, or financial advice. We are not:

• Your healthcare provider
• Your lawyer or legal representative
• Your financial advisor
• Acting as your agent in any capacity

You should consult with appropriate licensed professionals (doctors, lawyers, financial advisors) before making any medical, legal, or financial decisions.

4. User Responsibilities

When using the Service, you agree to:

• Remove all personally identifiable information (PII) from documents before uploading
• Upload documents at your own risk
• Verify all information provided by the Service independently
• Not rely solely on the Service for any decisions regarding your medical bills
• Comply with all applicable laws and regulations

5. Data Processing and Third Parties

The Service uses Anthropic's AI API to analyze uploaded documents. By using the Service, you acknowledge that:

• Your uploaded documents and context information will be transmitted to Anthropic for processing
• Anthropic's privacy policy applies to this processing
• We do NOT store your uploaded documents after processing completes

See our Privacy Policy for more details.

6. No Warranties

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, OR ACCURACY OF INFORMATION. We make no guarantee that the Service will identify all billing errors or that the information provided will be current, accurate, or applicable to your specific situation.

7. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE SHALL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, OR CONSEQUENTIAL DAMAGES, LOSS OF PROFITS, REVENUE, DATA, OR USE, DAMAGES ARISING FROM YOUR USE OR INABILITY TO USE THE SERVICE, OR DAMAGES ARISING FROM ANY RELIANCE ON INFORMATION PROVIDED BY THE SERVICE.

8. Changes to Terms

We may update these Terms from time to time. When we make changes, we will update the "Last Updated" date at the top of this page. Your continued use of the Service after changes are posted constitutes acceptance of the modified Terms.

9. Contact Information

For questions about these Terms, please contact us at: support@overcharged.ai

Summary: By using overcharged., you understand that this is an informational tool only, not medical/legal/financial advice. You upload data at your own risk and are responsible for removing PII. We provide the service "as is" with no warranties or liability for damages.

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