Terms of Service
Last updated April 5, 2026
Overturn is an AI-powered document drafting tool. It is not a law firm, healthcare provider, or medical advisor. It does not provide legal or medical advice, is not HIPAA-compliant, and does not guarantee appeal outcomes. Please read these terms carefully before using our service.
1. Acceptance of Terms
These Terms of Service govern your use of Overturn (overturn.app). By accessing or using Overturn, you agree to be bound by these Terms of Service. If you do not agree to these terms, do not use the service.
2. Description of Service
Overturn is an AI-powered document drafting tool that helps users generate insurance appeal letters. Overturn is not a law firm, healthcare provider, medical advisor, or insurance company. It does not provide legal advice, medical advice, or healthcare services. Use of this service does not create an attorney-client relationship, a doctor-patient relationship, or any professional advisory relationship.
3. Not Legal or Medical Advice
All content generated by Overturn, including appeal letters, legal citations, and score analyses, is for informational and drafting purposes only. Nothing produced by Overturn constitutes legal advice, medical advice, or a professional opinion. You should consult a licensed attorney or healthcare professional for guidance specific to your situation. Overturn makes no guarantees about the outcome of any appeal.
4. Health Information Disclaimer
Overturn is not a HIPAA-covered entity and is not a business associate under HIPAA. Overturn is a consumer document drafting tool. While we take reasonable measures to protect your data, our service is not designed to meet HIPAA, HITECH, or other healthcare-specific compliance standards. You should not provide sensitive medical records, diagnoses, or protected health information (PHI) beyond what is necessary to draft your appeal letter. Your denial letter text is processed to generate your appeal and is not stored on our servers. If you are a healthcare provider, law firm, or other covered entity seeking a HIPAA-compliant solution, please contact us to discuss a Business Associate Agreement.
5. User Responsibilities
You are responsible for reviewing all generated content before submission to your insurance company. You represent that information you provide is accurate to the best of your knowledge. You are solely responsible for verifying the accuracy of any legal citations, dates, or factual claims in generated letters before use. You agree not to use Overturn for fraudulent or illegal purposes.
6. AI-Generated Content
Overturn uses artificial intelligence (Anthropic’s Claude) to generate appeal letters. AI-generated content may contain errors, including inaccurate legal citations, incorrect statute references, or factual inaccuracies. Legal citations are provided as a starting point and must be independently verified before submission. Overturn does not guarantee that any citation is current, applicable to your jurisdiction, or correctly referenced.
7. Privacy and Data
Your denial letter text is sent to Anthropic’s API for processing and is not stored on our servers after your appeal letter is generated. We store your account information, appeal metadata (insurance type, insurer name, claim description), and generated appeal letters securely. See our Privacy Policy for full details on data collection, storage, and sharing.
8. Payments and Refunds
Individual appeal letters are available as a one-time purchase of $49 per letter and are non-refundable once generated. Subscription plans — Enterprise Starter ($199/month) and Enterprise Growth ($499/month) — are billed monthly. You may cancel at any time through the Stripe billing portal accessible from your dashboard. Refunds for subscription plans are issued at Overturn’s discretion for unused subscription periods. Enterprise Scale pricing is custom and governed by a separate agreement.
9. Intellectual Property
You retain ownership of all content you provide to Overturn, including your denial letter text and personal information. Appeal letters generated by Overturn are provided for your use and you may use, modify, and distribute them as you see fit. The Overturn name, logo, and service design are the property of Overturn.
10. Limitation of Liability
Overturn is provided “as is” without warranties of any kind, express or implied. Overturn is not liable for any damages arising from use of the service, including but not limited to unsuccessful insurance appeals, reliance on AI-generated content, errors in legal citations, missed deadlines, or any decisions made based on generated content. In no event shall Overturn’s total liability exceed the amount you paid for the service in the 12 months preceding the claim.
11. Indemnification
You agree to indemnify and hold harmless Overturn, its owners, employees, and affiliates from any claims, damages, or expenses arising from your use of the service, your submission of appeal letters to insurance companies or other parties, or your violation of these terms.
12. Termination
We may suspend or terminate your account at any time for violation of these terms or for any other reason at our discretion. You may delete your account at any time by contacting us. Upon termination, your right to use the service ceases immediately.
13. Governing Law
These terms are governed by the laws of the State of Nevada, United States. Any disputes shall be resolved in the courts located in Clark County, Nevada.
14. Changes to Terms
We may update these terms at any time. Continued use of the service after changes are posted constitutes acceptance of the updated terms. We will notify users of material changes via email.
15. Contact
For questions about these terms, contact us at support@overturn.app