Terms of Service

1. Overview

These Terms of Service ("Terms") govern your use of the BillRazor platform, website, and related services (collectively, the "Service") operated by PioneerQ LLC ("Company," "we," "us," or "our"), a Texas limited liability company. By accessing or using the Service, you agree to be bound by these Terms. If you do not agree, do not use the Service.

2. Description of Services

BillRazor provides automated medical bill analysis, error detection, and dispute assistance services. The Service scans medical bills for potential billing errors including but not limited to inflated charges, duplicate charges, procedures that should be billed together, pharmacy markups, and balance billing violations. Where authorized by the user, BillRazor initiates disputes with healthcare providers on the user's behalf through written correspondence and other communication channels.

3. Not Legal Advice

BillRazor is a billing analysis and dispute assistance tool. BillRazor is NOT a law firm, does NOT provide legal advice, and is NOT a substitute for professional legal counsel. No attorney-client relationship is created by your use of the Service. If you require legal advice regarding a medical billing dispute, you should consult a licensed attorney in your jurisdiction.

BillRazor does NOT guarantee any specific outcome. Billing errors identified by the Service are based on automated analysis of publicly available pricing data and billing standards. Healthcare providers may dispute our findings, and final billing adjustments are at the sole discretion of the healthcare provider.

4. Fee Structure

BillRazor offers a free bill scan at no cost and with no obligation. If you choose to authorize BillRazor to dispute errors on your behalf, the following fee structure applies:

• Contingency Fee (Unpaid Bills): 25% of the confirmed reduction in your bill. You pay nothing if BillRazor does not achieve a reduction. For example, if your bill is reduced by $1,000, the fee is $250, and you keep $750 in savings.
• Flat Fee (Already-Paid Bills): $299 one-time fee, charged upfront before work begins. This applies when you have already paid the bill and are seeking a refund from the provider. The flat fee is non-refundable once dispute work has commenced.

Fees are charged automatically to the payment method you provide during the authorization process. For contingency arrangements, your card is charged upon confirmed reduction, before you are notified of the outcome.

5. Authorization

Before BillRazor initiates any dispute on your behalf, you must complete our authorization process, which includes:

• A HIPAA authorization permitting BillRazor to access your billing records
• A service agreement acknowledging the applicable fee structure
• A valid payment method for fee collection
• A digital signature confirming your consent
• Authorization for BillRazor to act as your representative and direct all provider correspondence regarding the disputed account to BillRazor

You may revoke your authorization at any time by contacting [email protected]. Revocation does not affect any fees already earned for reductions confirmed prior to revocation.

6. Non-Circumvention

During the 180-day service period following your authorization, you agree not to independently contact the healthcare provider to negotiate, settle, or resolve the billing dispute that BillRazor is handling on your behalf.

If, after BillRazor has initiated dispute proceedings, the billing amount is reduced through any means — including direct negotiation by you, a third party, or the provider's own initiative — the applicable BillRazor fee remains due and payable. This provision ensures that the work BillRazor has already performed on your behalf is compensated.

7. De-Identified Data Use

You authorize BillRazor to create de-identified datasets from your billing information in accordance with the HIPAA Safe Harbor method (45 CFR §164.514). De-identified data has all 18 HIPAA identifiers removed and cannot be used to identify you. BillRazor may use de-identified data for research, analytics, product improvement, benchmarking, and commercial data products. See our Privacy Policy for details.

8. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, PIONEERQ LLC AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, DATA, OR GOODWILL, ARISING OUT OF OR RELATED TO YOUR USE OF THE SERVICE.

OUR TOTAL AGGREGATE LIABILITY FOR ALL CLAIMS ARISING OUT OF OR RELATED TO THESE TERMS OR THE SERVICE SHALL NOT EXCEED THE TOTAL FEES PAID BY YOU TO BILLRAZOR IN THE TWELVE (12) MONTHS PRECEDING THE EVENT GIVING RISE TO THE CLAIM.

9. Indemnification

You agree to indemnify, defend, and hold harmless PioneerQ LLC and its officers, directors, employees, agents, and affiliates from and against any and all claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys' fees) arising out of or related to: (a) your use of the Service; (b) your violation of these Terms; (c) your violation of any rights of a third party; or (d) any information you provide to BillRazor that is false, misleading, or inaccurate.

10. Dispute Resolution

Any dispute, claim, or controversy arising out of or relating to these Terms or the Service shall be resolved through binding arbitration administered by the American Arbitration Association ("AAA") in accordance with its Commercial Arbitration Rules. The arbitration shall take place in Travis County, Texas, or at a location mutually agreed upon by the parties.

The arbitrator's decision shall be final and binding and may be entered as a judgment in any court of competent jurisdiction. Each party shall bear its own costs and attorneys' fees unless the arbitrator determines otherwise.

YOU AGREE THAT ANY ARBITRATION SHALL BE CONDUCTED ON AN INDIVIDUAL BASIS AND NOT AS A CLASS, CONSOLIDATED, OR REPRESENTATIVE ACTION. You waive any right to participate in a class action lawsuit or class-wide arbitration.

11. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Texas, without regard to its conflict of law provisions. Any legal proceedings not subject to arbitration shall be brought in the state or federal courts located in Travis County, Texas, and you consent to the exclusive jurisdiction of such courts.

12. Age Requirement

You must be at least 18 years of age to use the Service. By using the Service, you represent and warrant that you are at least 18 years old and have the legal capacity to enter into these Terms. If you are using the Service on behalf of a minor, you represent that you are the minor's parent or legal guardian and accept these Terms on their behalf.

13. Account Termination

You may terminate your account at any time by contacting [email protected]. We may suspend or terminate your account at our discretion if we believe you have violated these Terms or engaged in fraudulent activity.

Termination does not relieve you of any obligation to pay fees for services already rendered. If a dispute is pending at the time of termination and a reduction is subsequently confirmed, the applicable fee remains due.

14. Modifications to Terms

We may modify these Terms at any time. If we make material changes, we will provide at least 30 days' advance notice via email to the address associated with your account or by posting a prominent notice on the Service. Your continued use of the Service after the effective date of any modifications constitutes your acceptance of the updated Terms.

15. Contact Information

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