Terms of Service
Effective date: October 3, 2026
These Terms are an agreement between you and [LEGAL NAME], LLC, a Nevada limited liability company ("we," "us"), for your use of BillerKiller at billerkiller.com and medicalbillbuster.com (the "Service"). Employer and health plan services are governed by a separate written agreement and Business Associate Agreement.
1. What we are, and what we are not
We prepare documents. We are not a law firm. We are not attorneys, and nothing we provide is legal, medical, financial or tax advice. No attorney-client relationship is created. We are not a collection agency, debt-settlement service, insurer or claims management company. Every letter we prepare is your letter: you review it, you can change it, and it is sent only if you sign and approve it.
2. The Service
(a) Free scan and audit. You can upload a bill, notice, fine, receipt or denial and see what it is, what's at stake and what may be worth disputing, at no cost. The audit is automated (rules, and AI for reading documents). It can miss issues and can flag charges that turn out to be correct.
(b) Letters and claims. After you buy, we draft dispute letters, appeals, warranty claims, return requests and cancellation emails based on what you tell us and the documents you give us. Laws we cite link to their source.
(c) Your case page. Each order has a private case page. Anyone with its link can see your case, so keep it private.
(d) Sending for you. If you sign a letter and give us the recipient's email or postal address, you authorize us to send it in your name ("Your Name via BillerKiller"), copy you on it, receive replies for you, and send one follow-up if there is no reply within 14 days. We never sign anything you haven't approved, agree to anything for you, or pay anything for you.
(e) Gmail Finder. If you connect Gmail, we ask Google for read-only access, look only for receipts from the last two years, keep only receipt details (item, date, price, order number, merchant), and drop our access when the scan ends. You can revoke access at any time in your Google account.
(f) AI phone calls. If you ask us to call a company, an AI voice agent calls only the customer service number you confirm, says at the start that it is an AI assistant calling for you, does not record the call, never gives out card numbers, passwords or security answers, and never agrees to a payment or new plan.
(g) Certified mail. When you buy it, we print your letter and send it by USPS Certified Mail with return receipt through our mail provider.
3. Prices and payment
Prices are shown before you pay. Payments are processed by Stripe.
3.1 One-time letters and packets (for example, an HOA dispute letter). You pay the price shown once. There is no success fee.
3.2 Killer plans: $19 once plus 25% of money recovered (Warranty, Return & Subscription Killer; Medical Bill Buster done-for-you). You pay $19 once. Nothing renews. When money comes back, our fee is 25% of the Recovered Amount. "Recovered Amount" means refunds, credits, and amounts written off or taken off a balance as a result of our work. It does not include future charges you avoid by cancelling, or money you would have received anyway (for example, a refund already issued before you bought). You confirm the Recovered Amount on your case page; we then send a Stripe invoice, due within 14 days. If nothing comes back, you owe nothing more.
3.3 Percentage-only services (for example, property tax full service or bill negotiation). You save a card at checkout and are not charged then. The percentage shown at checkout applies only to savings that are confirmed (by you on your case page, or by the decision letter or final bill). After that, you authorize us to charge the saved card once for that case. We email you the amount and how it was calculated.
3.4 Medical bill audit. The free medical audit with a 25% success fee is governed by Section 4.
3.5 Subscriptions (for example, the Second Inbox at $19 a month). A subscription renews automatically every month at the price shown until you cancel. You can cancel online at any time at billerkiller.com/cancel, with no call and no retention offer. Cancelling stops future charges; you keep access until the end of the period you paid for.
3.6 Refunds. If we haven't drafted any letter or claim for you yet, we refund a one-time payment if you ask within 14 days. Certified mail can't be refunded once it has been mailed. A success fee that turns out to be wrong (for example, the company reverses the refund) is refunded or corrected.
4. Medical bill audit: 25% of verified savings
4.1 No savings, no fee. You pay nothing upfront. Our only fee is 25% of Verified Savings on the bill you uploaded.
4.2 Definitions.
- Baseline Balance: the amount you owed ("patient responsibility") on the bill you uploaded, recorded when you uploaded it.
- Final Balance: what you owe for the same services on your final Explanation of Benefits (EOB) or the provider's final statement.
- Verified Savings: Baseline Balance minus Final Balance, excluding (i) payments you made, (ii) insurance payments on claims still pending when you uploaded the bill, and (iii) reductions from financial assistance or charity care that you qualified for before you used the Service.
4.3 Final document. No fee is calculated until you upload your final EOB or statement and we check that it matches your original bill (account number, claim ID, date of service, provider NPI and facility). If we don't receive it within 90 days after you unlock your audit, your case closes and no fee is owed.
4.4 Notice before any charge. Before charging, we email you the Baseline Balance, Final Balance and the calculation, and wait at least 10 days. If you dispute the calculation in writing during that time, we won't charge until the dispute is resolved.
4.5 Payment authorization. By saving a payment method, you authorize us to charge it once per bill for the fee calculated under this Section 4, without you being present, after the notice in Section 4.4. The amount varies with your savings. If a charge fails, we'll send an invoice payable within 30 days.
4.6 Paying yourself. After we've emailed you your verified savings and fee, you can pay through our secure payment link instead of waiting for the card charge. Please don't pay before you receive that email: until then, you don't owe anything.
4.7 Cancelling. You may cancel and remove your payment method at any time by emailing support@billerkiller.com. Cancelling doesn't affect a fee for savings already verified.
5. Your responsibilities
Give us accurate, complete documents and true answers, and tell us about payments, settlements or decisions that affect your case. Only ask us to act on your own accounts, or accounts you're authorized to manage. A dispute does not by itself stop collection activity, credit reporting or deadlines (including appeal and hearing deadlines), and you remain responsible for any amount you legitimately owe. You're responsible for meeting deadlines; we remind you of the ones we know about.
6. No guarantee; privacy
We do not guarantee any savings, refund, dismissal or response. Figures such as "at stake" and estimated savings are upper-bound estimates, not promises. Our Privacy Policy explains what we collect and your rights.
7. Arbitration, class action waiver and jury waiver
Please read this section carefully.
7.1 Informal resolution. Before filing a claim, email support@billerkiller.com and give us 30 days to try to resolve it.
7.2 Binding arbitration. Any dispute arising from these Terms or the Service will be resolved by binding individual arbitration administered by the American Arbitration Association under its Consumer Arbitration Rules. The seat of arbitration is Clark County, Nevada, and you may choose to have the hearing by video, on documents only, or in the county where you live. The Federal Arbitration Act governs this Section 7. Where you typed your initials to accept it, your initials are your specific authorization of this provision (NRS 597.995).
7.3 Small claims. Either party may bring an individual claim in small claims court instead, if it qualifies.
7.4 Class action waiver. Claims may be brought only individually, not as a plaintiff or class member in any class or representative proceeding.
7.5 Jury waiver. To the extent a dispute is decided in court rather than arbitration, you and we waive any right to a jury trial.
7.6 Opt-out. You may opt out of Section 7 by emailing support@billerkiller.com within 30 days after you first accept these Terms.
8. Limitation of liability
To the fullest extent the law allows, our total liability for any claim relating to the Service is limited to the fees you paid us for the case at issue. Nothing in these Terms limits liability that can't be limited by law.
9. Governing law and venue
These Terms are governed by the laws of the State of Nevada, except that Section 7 is governed by the Federal Arbitration Act. Any matter not subject to arbitration will be brought in the state or federal courts located in Clark County, Nevada. If you live outside the United States, this does not take away mandatory consumer protections of the country where you live.
10. Changes
We may update these Terms. Changes won't affect the price or fee for an order you've already placed unless you agree in writing.
11. Contact
[LEGAL NAME], LLC. [ADDRESS]. support@billerkiller.com