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 dispute summary PDF for your own use. The PDF adds pages as needed for your selected records and text.
The App is free to download and use with the following limits: up to 5 bills, 1 active denial / appeal record, up to 3 photos per bill, EOB or denial-letter attachment group, 1 family member ("Me"), payment reminders and reminders for the one permitted appeal, basic bill fields (provider, amount, date, status), and unlimited phone call logs (basic-fields view). The full Patient Rights guide is included free.
The paid options in BillGuard unlock the same Pro feature set:
Before you confirm payment, Apple displays the product, current localized price, billing period and any eligible introductory offer. Apple's confirmation controls the purchase terms. Older installed versions may show earlier purchase options; payment is processed by Apple.
Earlier Annual purchases. Annual is not a current new-purchase option. An earlier Annual subscription remains subject to its Apple billing, renewal and cancellation terms. Restore Purchases rechecks eligible verified entitlements; contact support if a valid historical purchase is not recognized. Choosing a different product does not automatically cancel another Apple subscription.
A Lifetime purchase grants BillGuard Pro access without a scheduled subscription expiry. A refunded or revoked purchase no longer provides access. Use Restore Purchases with the Apple Account used for purchase to recheck a restorable Lifetime entitlement.
The subscription renews automatically unless canceled. Apple may charge for renewal within 24 hours before the current period ends. To prevent the next charge, cancel at least 24 hours before the period or trial ends. Manage or cancel in iPhone Settings > [your name] > Subscriptions; Apple provides cancellation instructions. Deleting BillGuard does not cancel a subscription.
Use Restore Purchases while signed into the purchasing Apple Account to check verified eligible access. Pending or unverified transactions do not establish paid access. Refund requests are handled through Apple under its policies and applicable law. Nothing here limits non-waivable consumer rights.
A free trial or introductory price applies only when Apple confirms eligibility and displays the offer at purchase. The purchase sheet specifies the duration and the price charged afterward. An eligible trial converts to the displayed paid subscription unless canceled in time. Access after cancellation follows Apple's applicable terms. Lifetime purchases do not automatically renew and are not subscription trials.
The following describes current features and their Free or Pro access. Pro extends record and attachment limits and unlocks the dispute PDF and expense charts; calling, supported CSV/Markdown export and the Free features below remain available without Pro.
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; CSV and per-bill Markdown exports; 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.
Deleting a family member also deletes that member's bills and the bills' linked payment, call, denial and payment-plan records after a successful save. Deleting a bill removes that bill's linked history. There is no Recently Deleted or full-database restore; CSV and PDF exports preserve only their supported readable fields. Independently saved exports, original system media and earlier backups require separate management. A record deletion does not erase those copies.
Support and legal inquiries: captainlongevity@gmail.com