Terms of Service

Last updated: July 2026

Service Description

EOB Decoder is an AI-powered tool designed to help US patients understand their Explanation of Benefits (EOB) documents, identify potential billing errors, and generate dispute letter drafts. EOB Decoder is an independent software tool — it is not a law firm, a medical billing company, or a healthcare provider. Use of our tools does not constitute legal, medical, or financial advice.

Acceptable Use

By using EOB Decoder, you agree to use our tools only for lawful purposes. You may use our tools for:

  • Personal, non-commercial review of your own medical bills and EOB documents
  • Generating draft dispute letters for your own use
  • Educational purposes to better understand medical billing

You may not use EOB Decoder to:

  • Generate fraudulent dispute letters or make false claims against insurers or healthcare providers
  • Process medical information on behalf of others for commercial purposes without appropriate authorization
  • Attempt to reverse-engineer, scrape, or abuse our systems
  • Violate any applicable laws or regulations

Disclaimer

EOB Decoder's tools are powered by AI and are provided for informational purposes only. The explanations, error identifications, and dispute letter drafts generated by our tools are not guaranteed to be accurate, complete, or appropriate for your specific situation. You are solely responsible for reviewing and verifying any output before acting on it. EOB Decoder makes no representations or warranties about the outcome of any dispute you submit. Always consult a licensed healthcare advocate, insurance professional, or attorney for complex billing disputes.

Intellectual Property

All content, design, and software on EOB Decoder is © EOB Decoder 2026. You may not copy, reproduce, distribute, or create derivative works from our content without express written permission. The dispute letter drafts generated by our tools are provided for your personal use and may be freely modified and submitted by you.

Limitation of Liability

To the fullest extent permitted by law, EOB Decoder and its operators shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from your use of our tools or reliance on any output they generate. Our tools are provided "as is" without warranties of any kind, express or implied.

Changes to These Terms

We may update these Terms of Service from time to time. We will indicate the date of the most recent update at the top of this page. Continued use of EOB Decoder after changes constitutes your acceptance of the updated terms.

Contact

If you have questions about these Terms of Service, please contact us at: amitsharma00261@gmail.com