AuthGuard Terms of Service

Effective date: 2026-05-07 · Last updated: 2026-05-15

1. Acceptance of these terms

By downloading or using AuthGuard (the "App"), you agree to these Terms of Service. If you do not agree, do not use the App. The App is published by an independent iOS developer (Apple Developer Team ID ZM8LF8494F); references to "we," "us," and "our" mean that developer.

2. What AuthGuard is — and is not

AuthGuard is a personal documentation tool for tracking prior authorization (PA) requests, denials, appeals, step therapy attempts, communications with insurance carriers and providers, and regulatory complaint filings. You enter information about your treatments, your insurance carrier's decisions, and your communications; the App helps you organize that information, compute deadlines, and generate PDF reports for your own use, including reports you may share with an advocate, attorney, or state insurance commissioner.

3. Subscriptions and the Pro tier

3.1 Free tier

The App is free to download and use with the following limits: 1 treatment, 1 prior authorization request, up to 5 communication entries, basic timeline view, the 12-category denial reason library and verbatim reason capture, Internal Level 1 appeal tracking, manual one-off deadline reminders, the Recently Deleted 30-day recovery window, plain-text Markdown export of one PA record, Face ID / Touch ID app lock, and one-tap JSON archive export from Settings.

3.2 Pro subscription

Pro features unlock when you start a Pro subscription. Two products are offered:

• Pro Annual — $29.99 per year, with a 7-day free trial for first-time subscribers.
• Pro Monthly — $4.99 per month, no trial.

Both products unlock the same set of Pro features. Prices shown are USD; Apple displays the equivalent local price at purchase time.

3.3 Auto-renewal and billing

Subscriptions automatically renew until canceled. Renewal is charged within 24 hours before the end of the current period unless auto-renewal is turned off at least 24 hours before that end. Payment is charged to your Apple ID. You can manage and cancel your subscription in Settings > [your name] > Subscriptions on your iOS device. Refunds for the unused portion of an active period are not offered by AuthGuard; refund eligibility is determined solely by Apple under its published policies.

3.4 Free trial forfeiture

If you start a free trial and cancel during the trial, you keep Pro access through the end of the trial period and are not charged. If you do not cancel, your subscription begins at the end of the trial at the published price.

3.5 Data location

AuthGuard stores all records locally on your iOS device. The App does not include any cloud sync feature, does not connect to any server we operate, and does not transmit your records to any third party. Records are included in your standard iOS device backup (iCloud Backup or Finder) so that a new-device Restore brings them with you; the App is not aware of and does not control the contents of those Apple-operated backups.

4. Pro features

Pro provides the following features. The behavior described here is binding on us — if a future App update materially changes any of these descriptions, we will revise this section.

• Unlimited treatments and PA requests: Pro subscribers may track an unlimited number of treatments and an unlimited number of prior authorization requests across multiple years. Records are kept private on the user's device.
• Deadline Engine: Computes deadline dates from user-entered submission dates plus published federal time limits (CMS-0057-F 7-day standard / 24-72 hour expedited / 180-day internal appeal filing / 4-month external review filing) and per-state ERISA statute-of-limitations rules. Informational only — not legal advice. The user is responsible for verifying every deadline against the original denial letter and applicable plan documents.
• Full Appeal Tracker: Stores user-entered appeal records at six levels (Internal Level 1, Internal Level 2, External Review / IRO, State Insurance Commissioner, DOL EBSA, ERISA litigation). Each level's deadline math is informational and based on commonly cited federal and state rules; consult a qualified attorney for binding deadline determinations in your case.
• Step Therapy Documentation: Stores user-entered records of required-drug attempts with structured outcome categories. The records are personal evidence the user may compile for next-PA submissions or peer-to-peer review; they are not medical advice and do not constitute medical records of a covered entity under HIPAA.
• PDF Reports: Six report formats generated entirely on-device using PDFKit. No record content is transmitted during generation. Reports are personal documents and are not court-certified, insurance-carrier-endorsed, or government-endorsed.
• Communication Log: Stores user-written summaries of phone calls, letters, portal messages, emails, faxes, and in-person communications. The user is responsible for the accuracy and completeness of every entry. Free tier is capped at 5 entries; Pro removes the cap.
• Denial Pattern Report: Computes a frequency table from user-entered denial reason categories across multiple PA records. Informational only — not legal, medical, or insurance advice.
• Regulatory Complaint Tracker: Stores user-entered records of complaints filed with State Insurance Commissioners, the U.S. Department of Labor (EBSA), CMS, and Attorneys General. The app does not file complaints on the user's behalf, does not transmit complaint content to any agency, and does not represent the user before any regulatory body.
• Document Vault: Imports user-supplied PDFs and uses Apple's VisionKit framework on-device to scan paper documents to PDF. Scanned and imported files are stored only in the app's local sandbox. No document content is transmitted to any developer-controlled server.
• Widget: Reads from local data only via App Group container. The widget renders neutral text (treatment initials and countdown integers) and does not display carrier names, treatment full names, or denial / approval status text.

Free features. The following are included in the free tier and are never sold as upgrades: Face ID / Touch ID app lock; the Recently Deleted 30-day recovery window; one-tap JSON archive export from Settings; the 12-category denial reason library and verbatim reason capture; Internal Level 1 appeal tracking; manual one-off deadline reminders; and plain-text Markdown export of one PA record. Privacy controls, data portability, and safety nets are foundational, not paid features.

5. Your responsibilities

• You are responsible for the accuracy of every value, photo, deadline, denial reason, appeal outcome, payment amount, and communication note you enter.
• You are responsible for verifying every appeal deadline against the original denial letter and your plan documents. The Deadline Engine is a convenience feature, not an authoritative legal calendar.
• You are responsible for maintaining device backups (iCloud Backup or Finder) so that records survive device loss. AuthGuard has no remote copy of your data; Apple's standard iOS device backup is the only thing that carries your records to a new device.
• You will not use the App for any purpose other than personal documentation of your own prior authorization records, or those of family members for whom you are the recognized caregiver, payer, or guardian.

6. Disclaimers and limitation of liability

The App is provided "AS IS" and "AS AVAILABLE" without warranties of any kind, express or implied, including merchantability, fitness for a particular purpose, accuracy, or non-infringement. To the maximum extent permitted by law, our aggregate liability arising out of or relating to the App is limited to the amount you paid us, through Apple, for the App in the twelve months preceding the claim. We are not liable for indirect, incidental, special, consequential, or punitive damages, including lost data, missed appeal deadlines, lost insurance recoveries, dispute outcomes, denied treatments, or amounts owed to providers or carriers. Reports generated by the App are tools for your use; we do not guarantee that any patient advocate, attorney, insurance carrier, regulatory body, or court will accept them.

7. Apple End User License Agreement

Your use of the App is also governed by Apple's standard End User License Agreement (EULA) for licensed applications, available at https://www.apple.com/legal/internet-services/itunes/dev/stdeula/. In the event of a conflict between these Terms and the Apple EULA, these Terms govern as between you and us; the Apple EULA governs as between you and Apple.

8. Changes to these terms

We may update these Terms from time to time. Material changes will be surfaced in the App on next launch. Continued use of the App after a change constitutes acceptance.

9. Governing law

These Terms are governed by the laws of the United States and the State of California, without regard to conflict-of-law principles. Disputes will be resolved in courts located in California, except that either party may seek injunctive relief in any court of competent jurisdiction to protect intellectual property rights.

10. Contact

Support and legal inquiries: captainlongevity@gmail.com