By downloading or using BillGuard (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.
BillGuard is a personal documentation tool for organizing medical bills, phone calls to billing departments and insurers, denial appeal records, and payment history. You enter information about bills, calls, denials, and appeals; the App helps you organize that information and generate a one-page dispute summary PDF for your own use.
The App is free to download and use with the following limits: up to 5 bills, 1 active denial / appeal record, 1 photo per bill, 1 family member ("Me"), 1 payment-deadline reminder, basic bill fields (provider, amount, date, status), and unlimited phone call logs (basic-fields view). The full Patient Rights guide is included free.
Pro features unlock when you start a Pro subscription. Two products are offered:
Both products unlock the same set of Pro features. Prices shown are USD; Apple displays the equivalent local price at purchase time.
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 BillGuard; refund eligibility is determined solely by Apple under its published policies.
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.
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.
Free features. The following are included in the free tier and are never sold as upgrades: payment-deadline reminders (7 / 3 / 1 days), appeal-deadline reminders (14 / 7 / 3 / 1 / 0 days) and promise-deadline reminders for the items you've recorded; full bill detail fields (insurance adjustment, disputed amount, CPT/ICD, itemized-bill-requested toggle, discrepancy notes); home screen widget; per-bill Markdown export; payment plan tracker; and Face ID / Touch ID app lock. Privacy controls are never a Pro feature — your data stays on your phone is a foundational commitment, not a paid one.
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, 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, or insurance carrier will accept them.
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.
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.
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.
Support and legal inquiries: captainlongevity@gmail.com