Tyndale Terms of Service

1. What Tyndale is — and is not

Tyndale is a medical-billing reconciliation and health-advocacy tool. It helps you review medical bills and insurance statements, identify potential billing and coverage errors, understand what you may owe, and take action to resolve issues.

Tyndale does not provide, and is not a substitute for:

• Medical advice, diagnosis, or treatment. Tyndale is not a doctor or clinical resource and will not answer clinical questions.
• Legal advice or legal representation. Tyndale provides general information about billing and insurance rules and helps you advocate for yourself. It is not a law firm, does not provide legal advice, and your use of it does not create an attorney-client relationship.
• Financial, investment, credit, or tax advice.
• Any guarantee of outcome. Tyndale does not guarantee that any bill will be reduced, that any error will be corrected, that any appeal or dispute will succeed, or that you will recover any amount.

You are responsible for your own decisions. Tyndale provides information and assistance; you decide whether and how to act on it.

2. Eligibility — adults only

You must be at least 18 years old and able to enter into a binding contract to use the Service, which is available to users in the United States only.

Minors may not create accounts or use the Service. A parent or legal guardian who is 18 or older may use the Service to manage medical bills and related matters on behalf of their minor child. By doing so, you represent and warrant that you are the parent or legal guardian with authority to act on the child's behalf and to provide the child's information to Tyndale for that purpose.

By using the Service, you represent that you meet these requirements.

3. Your account

You must create an account to use most features. You agree to provide accurate information, keep your login credentials secure, and remain responsible for activity under your account. Notify us promptly of any unauthorized use.

We will never create an account on your behalf, and we will never ask you to share your password with us or anyone else.

4. How the Service works, and your responsibilities

To help you, Tyndale relies on information you provide — uploaded documents (such as bills, insurance statements, and insurance cards), your answers to its questions, and, if you choose to connect it in the future, data from your insurer or providers.

You are responsible for:

• The accuracy of the information and documents you provide.
• Confirming, when Tyndale asks, details it cannot verify on its own — for example, whether a billed service matches what actually happened during your care.
• Reviewing any communication, script, or document before you send, sign, or act on it.

Tyndale will never send a communication on your behalf without your explicit approval. Tyndale's analysis is only as good as the information available to it; where information is incomplete, Tyndale will tell you what it can and cannot conclude.

5. Free and paid plans; billing and cancellation

We offer a free tier with limited use and paid subscription plans. Current features and pricing are shown in the Service. As of the Effective Date, paid plans are $11.99 per month or $100 per year for unlimited use.

• Paid plans renew automatically until canceled. You authorize us, through our third-party payment processor, to charge your payment method at the start of each billing period.
• You may cancel at any time, and cancellation takes effect at the end of your current billing period. We do not provide prorated refunds for partial periods, except where required by law.
• We may change pricing on a going-forward basis with advance notice as required by law.
• We do not store your full payment card details. Payments are processed by a third-party payment processor, and you must enter your payment information yourself.

To cancel, use the account settings in the Service or contact us at [SUPPORT EMAIL].

6. Intellectual property

The Service — including its software, content, and design — is owned by Tyndale and protected by law. We grant you a limited, non-exclusive, non-transferable, revocable license to use the Service for your personal, non-commercial purposes. You may not copy, modify, reverse-engineer, scrape, resell, or create derivative works from the Service.

Documents Tyndale generates for you, such as draft letters or summaries, are yours to use for your own advocacy. Information and content you provide remain yours; you grant us the license described in the Privacy Policy to operate the Service for you.

7. Third-party services

The Service relies on third parties — for example, cloud hosting, AI processing, payment processing, email delivery, and (in the future) data-connection services. We are not responsible for third-party services, and your use of them may be governed by their own terms.

8. Acceptable use

You agree not to:

• Use the Service if you are under 18, or create an account for someone who is.
• Provide information about another adult without their authorization, or about a minor for whom you are not the parent or legal guardian.
• Provide false or fraudulent information, or use the Service to commit or facilitate fraud, including insurance fraud.
• Access accounts, data, or systems that are not yours.
• Reverse-engineer, scrape, copy, or build a competing product from the Service.
• Circumvent usage limits, including by creating multiple accounts to evade free-tier limits.
• Interfere with the Service's operation or security, or upload malicious code.
• Use the Service for any unlawful purpose, or rely on it as a substitute for professional medical, legal, or financial advice.

We may investigate suspected violations and may suspend or terminate access, remove content, and take legal action where appropriate.

9. Important acknowledgments

By using the Service, you acknowledge and agree that:

• It is not medical advice. For medical concerns, consult a licensed healthcare provider.
• It is not legal advice. Tyndale is not a law firm and provides general information and self-advocacy assistance only. Laws vary by state and change over time; applying them to your situation may require a licensed attorney. For legal advice, consult one.
• It is not financial or tax advice. Decisions about paying, financing, or disputing bills are yours; for financial or tax advice, consult a qualified professional.
• No outcome is guaranteed. Results depend on factors outside Tyndale’s control, including the decisions of providers, insurers, and government bodies.
• Accuracy depends on your information. Tyndale audits the information available to it but cannot detect issues in information it does not have. You are responsible for the accuracy of what you provide and for confirming details Tyndale asks you to verify.
• You review before you act. You are responsible for reviewing any script, summary, or draft communication before you send, sign, or rely on it.

10. Disclaimers

11. Limitation of liability

Some states do not allow certain limitations, so some of the above may not apply to you. Nothing in these Terms limits liability that cannot be limited under applicable law.

12. Indemnification

You agree to indemnify and hold harmless Tyndale and its owners, employees, and contractors from claims, damages, and expenses (including reasonable attorneys' fees) arising out of your misuse of the Service, your violation of these Terms, or your violation of any law or third-party right.

13. Dispute resolution; informal resolution first

Most disputes can be resolved quickly. Before filing any formal claim, you agree to first contact us at [SUPPORT EMAIL] and give us 30 days to resolve the issue informally.

14. Binding arbitration and class-action waiver

PLEASE READ THIS SECTION CAREFULLY — IT AFFECTS YOUR LEGAL RIGHTS.

If a dispute is not resolved informally, you and Tyndale agree to resolve it through binding individual arbitration rather than in court, except that either party may bring a claim in small-claims court if it qualifies. The arbitration will be administered by a recognized arbitration provider under its consumer rules, and may take place in your home state or by videoconference.

Class-action waiver. You and Tyndale agree that each may bring claims against the other only in an individual capacity, and not as a plaintiff or class member in any purported class or representative proceeding.

Your right to opt out. You may opt out of this arbitration agreement within 30 days of first accepting these Terms by sending notice to [SUPPORT EMAIL] with your name and account email. If you opt out, disputes will be resolved in the state or federal courts located in Utah.

15. Governing law

These Terms are governed by the laws of the State of Utah, without regard to its conflict-of-laws principles, except where your state's consumer-protection laws provide rights that cannot be waived by agreement. Subject to Section 14, the state and federal courts located in Utah will have jurisdiction over any disputes not subject to arbitration.

16. Changes to these Terms

We may update these Terms. If we make material changes, we will notify you by email or in-app notice and update the Effective Date. Your continued use of the Service after the changes take effect means you accept the updated Terms. If you do not agree, stop using the Service and close your account.

17. Termination

You may stop using the Service and close your account at any time. We may suspend or terminate your access for violation of these Terms or for any lawful reason. Provisions that by their nature should survive termination — including ownership, disclaimers, limitation of liability, indemnification, and dispute resolution — survive.

18. Contact

The Little Guy LLC d/b/a Tyndale 336 E University Pkwy #1043, Orem, Utah 84058 [SUPPORT EMAIL]

By creating an account, you confirm that you are at least 18 years old and that you have read and agree to these Terms of Service and the Privacy Policy.