Terms of Service

1. Who we are and this agreement

RateBench is a service operated by Inorox LLC (“RateBench,” “we,” “us”). These Terms of Service (the “Terms”) are a contract between us and you. They cover the website at ratebench.health, the application at app.ratebench.health, the free rate lookup, and every paid plan (together, the “Service”).

You accept these Terms when you create an account, start a subscription, or use the Service. If you use RateBench for a medical practice, billing company or other organization, you confirm that you are authorized to accept these Terms for it, and “you” means that organization too.

The Service is for business use by adults in the United States. It is not a consumer product.

2. What the Service does

RateBench reads the machine-readable rate files that U.S. health plans publish under the federal Transparency in Coverage rule and shows the negotiated rates those files list for a provider, by payer and billing code. Depending on your plan, it lets you build fee schedules across payers, compare the rates you are paid against published rates (“underpayment checks”), and get alerts when a published rate changes.

The free rate lookup on our website returns a limited set of rates for one provider and one payer and emails them to the address you give.

3. Where the numbers come from, and what they are not

Every rate the Service shows comes from a file a payer published. We do not create, estimate or adjust rates, and we have no access to your contracts. That means:

• Payers’ files can be wrong, incomplete, late or ambiguous. A payer may list several rates for the same code, omit a provider, or publish a rate that does not match your contract. Where we cannot identify a single rate, we say so rather than guess.
• A published rate is not your contract and not a promise of payment. Your agreement with each payer, its fee schedule and its payment policies govern what you are paid.
• Verify before you act. Check any rate against your contract or the payer before relying on it to bill, appeal, dispute, negotiate or make financial decisions.
• We are not your advisor. The Service does not provide legal, billing, coding, compliance, accounting or financial advice.
• Coverage varies. The payers and plans we can read, and how quickly, change over time. We describe current coverage on our website and in the app.

4. Your account

Give accurate information and keep it current. Keep your sign-in credentials secure; you are responsible for activity under your account and for the teammates you invite to your practice. The practice owner controls billing and membership. Tell us promptly at hello@ratebench.health if you suspect unauthorized access.

5. Plans, billing and renewal

• Plans and limits. Paid plans are priced by the number of locations (billing NPIs) and specialties they cover, as described on our pricing page at the time you subscribe. Add-ons raise those limits.
• Billing in advance. Subscriptions are billed at the start of each monthly or annual period through our payment processor, Stripe. By subscribing you authorize recurring charges to your payment method.
• Automatic renewal. Subscriptions renew automatically for the same period until cancelled. You can cancel any time from Practice → Manage billing in the app; cancellation stops future renewals.
• Price changes. We will give you at least 30 days’ notice by email before a price change applies to you. It takes effect at your next renewal after the notice period.
• Taxes. Prices exclude taxes unless stated. You are responsible for applicable taxes other than taxes on our income.
• Failed payments. If a payment fails, we will tell you. If it is not resolved, we may suspend paid features until it is.
• Refunds. Payments are non-refundable except as set out in our Refund Policy, which is part of these Terms.

6. Acceptable use

You agree not to:

• Send us protected health information. Do not enter or upload patient names, dates of birth, member or claim numbers, or any other information that identifies a patient. The underpayment check works from totals by billing code and is designed so this is never needed.
• Resell, sublicense or publish the Service or its output as a data product or service of your own. You may share results within your organization and with your own advisors, billing company and payers.
• Scrape, bulk-download or access the Service by automated means other than features we provide, or try to get around plan limits.
• Reverse engineer, probe, disrupt or overload the Service, or test its security without our written permission.
• Use the Service unlawfully, or in a way that infringes others’ rights.

7. Your data

You keep all rights in the information you enter into the Service, such as practice details, codes and allowed-amount totals (“Your Data”). You give us permission to host, process and use Your Data only to provide, secure and support the Service for you. We may use aggregated, de-identified information about how the Service is used to operate and improve it; it will not identify you or your practice.

Our Privacy Policy explains how we handle personal information.

8. Health information and HIPAA

RateBench is not designed to receive protected health information, and we do not act as your business associate under HIPAA. We do not sign business associate agreements. If protected health information reaches us despite Section 6, tell us at hello@ratebench.health and we will delete it.

9. Our service and content

We own the Service: its software, design, compilations and presentation of rate data, and our trademarks. While your subscription is active, we give you a limited, non-exclusive, non-transferable right to use the Service for your organization’s internal business purposes, including exporting results for that use. Payers’ published files remain subject to any terms those payers set.

If you send us feedback or suggestions, we may use them without obligation to you.

10. Other services we connect to

The Service relies on others, including Stripe for payments and Google or Microsoft if you choose to sign in with them. Their own terms govern your use of their services. Links to payers’ files or other sites are for reference; we are not responsible for their content.

11. Changes to the Service and these Terms

We improve the Service continually and may change or remove features. If we make a change that materially reduces what a paid plan includes, we will tell you in advance.

We may update these Terms. For material changes we will give at least 30 days’ notice by email or in the app before they apply to you. Continuing to use the Service after the change takes effect means you accept the updated Terms; if you do not agree, cancel before then.

12. Suspension and termination

You may stop using the Service and cancel at any time. We may suspend or end your access if you materially breach these Terms, do not pay, or if continuing would expose us or others to legal or security risk. Where reasonable, we will warn you first and give you a chance to fix the problem.

When your account ends, your right to use the Service ends. Export anything you need before then; we handle remaining data as described in the Privacy Policy. Sections 3, 7, 9 and 13 through 17 continue to apply.

13. Disclaimers

The Service and all rate data are provided “as is” and “as available.” To the fullest extent the law allows, we disclaim all warranties, express or implied, including warranties of accuracy, completeness, merchantability, fitness for a particular purpose, non-infringement and uninterrupted or error-free operation. We do not warrant that any payer’s published data is correct or that any rate reflects what you are or will be paid.

14. Limitation of liability

To the fullest extent the law allows, neither Inorox LLC nor its members, managers, employees or contractors will be liable for any indirect, incidental, special, consequential or punitive damages, or for lost profits, revenue, reimbursement or data, including any underpayment the Service did or did not identify, even if advised of the possibility.

Our total liability for all claims relating to the Service or these Terms is limited to the amount you paid us for the Service in the 12 months before the event giving rise to the claim, or US$100 if you have not paid us.

Some jurisdictions do not allow certain limitations, so some of these may not apply to you.

15. Your responsibility to us

You will defend and indemnify Inorox LLC against third-party claims, and the resulting losses and reasonable costs, arising from Your Data, your breach of these Terms, or your use of the Service in violation of law.

16. Governing law and disputes

These Terms are governed by the laws of the State of Wyoming, without regard to its conflict-of-law rules. Before bringing a claim, you and we will try in good faith for 30 days to resolve it informally, starting with an email to hello@ratebench.health. If that fails, the state and federal courts located in Wyoming have exclusive jurisdiction, and both of us consent to them. To the extent the law allows, claims must be brought individually and not as part of a class or representative action.

17. General

• Entire agreement. These Terms, the Refund Policy and any order terms shown at checkout are the whole agreement about the Service.
• Assignment. You may not transfer these Terms without our consent. We may transfer them to an affiliate or a successor, including a company formed to operate RateBench, and will tell you if we do.
• Notices. We send notices to the email address on your account. Send notices to us at hello@ratebench.health.
• Force majeure. We are not responsible for delays or failures caused by events beyond our reasonable control, including payers’ outages or changes to their files.
• Severability and waiver. If part of these Terms is unenforceable, the rest stays in effect. Not enforcing a term is not a waiver of it.

18. Contact

Inorox LLC, operating RateBench. Email hello@ratebench.health. Sign in at app.ratebench.health.