Legal Disclaimer

1 WinMyAppeals Is Not a Law Firm

WinMyAppeals ("the Company," "we," "us," or "our") is a technology company and document preparation service headquartered in Canada. We are not a law firm, and we do not practice law.

Nothing on this website, within our platform, or in any report, email, or appeal letter we provide constitutes the practice of law or legal advice of any kind. Our service is the provision of informational self-advocacy tools and document preparation assistance, not legal services.

2 No Attorney-Client Relationship

Use of WinMyAppeals does not create an attorney-client relationship between you and WinMyAppeals, its employees, contractors, or affiliates. We are not your lawyers, and you should not treat any communication from WinMyAppeals — including generated letters, emails, or customer support — as legal advice.

If you are involved in a legal dispute, litigation, or regulatory proceeding related to your insurance denial, you should consult a licensed attorney in your jurisdiction.

3 Our Reports and Letters Are Not Legal Counsel

The Coverage Vulnerability Report, the monthly Protection Report, and the appeal letters provided by WinMyAppeals are created using artificial intelligence technology for self-advocacy and informational purposes only. They are intended to help you understand your plan and assert your rights as a policyholder in the administrative appeals process provided by your insurance company.

These materials do not constitute legal representation, legal counsel, or legal advice of any kind. They are generated from the information and plan documents you provide and from general insurance principles, and they may not account for every aspect of your specific plan terms, applicable state or provincial law, or other unique circumstances of your case. Always confirm coverage details directly with your insurer.

4 No Guarantee of Outcome

WinMyAppeals makes no representation, warranty, or guarantee that use of our appeal letters will result in:

• The reversal of any insurance denial
• Approval of any insurance claim
• Payment of any medical benefit
• Any specific result in an administrative or legal proceeding

The outcome of any insurance appeal depends on many factors outside our control, including but not limited to: the specific facts of your case, your insurance policy terms and conditions, applicable state or provincial law, and the discretion of your insurance company's review process.

Our "unlimited appeals" commitment refers to the preparation of as many appeal letters as you need at no additional charge. It is not a guarantee of approval, payment, or any specific outcome.

5 Your Responsibility for Deadlines & Requirements

Insurance appeal deadlines, procedures, and requirements vary significantly by:

• Insurance company and plan type
• U.S. state or Canadian province
• Whether coverage is through an employer, marketplace, government program, or private insurer
• The nature and category of the denial

You are solely responsible for:

• Understanding and complying with your specific plan's appeal procedures
• Meeting all deadlines for filing appeals — which may be as short as 30 days from the date of denial
• Submitting required documentation as specified by your insurer
• Following up with your insurance company directly
• Verifying that the letter content is appropriate for your specific situation before submitting it

WinMyAppeals is not responsible for any missed deadlines, procedural errors, or consequences arising from your appeal submission or failure to submit.

6 Not a HIPAA Covered Entity

WinMyAppeals is not a "covered entity" under the United States Health Insurance Portability and Accountability Act (HIPAA). As a document preparation technology company, we do not bill for healthcare services, transmit protected health information to insurance companies on your behalf, or operate as a healthcare provider.

However, we take the security and privacy of your health-related information very seriously. We employ industry-standard 256-bit SSL encryption to protect information transmitted to and from our platform, and we implement reasonable security measures to protect information stored on our systems.

By providing health-related information and plan documents to WinMyAppeals, you consent to our use and storage of that information for the purpose of providing the membership: reading your plan, generating your reports, and preparing your appeal letters. We do not sell or share your health information with third parties. You can delete it all at any time from your Account page.

7 Canadian Privacy Law (PIPEDA)

WinMyAppeals is operated from Canada and aims to operate in compliance with the Personal Information Protection and Electronic Documents Act (PIPEDA), Canada's federal private-sector privacy law.

Under PIPEDA, any personal information, including health-related information, that you provide to us is:

• Collected only with your knowledge and consent
• Used only to provide the membership service described in our Privacy Policy
• Not disclosed to third parties without your consent, except as required by law
• Retained while your account is active and deleted when you delete your account

For full details on how we collect, use, and protect your information, please see our Privacy Policy.

8 Jurisdiction-Specific Variations

The appeal letter templates and arguments generated by WinMyAppeals are based on general insurance appeal principles applicable in the United States and Canada. Laws governing insurance appeals vary significantly by U.S. state and Canadian province.

For example:

• U.S. state insurance commissioners have different rules for internal and external appeals
• The Affordable Care Act (ACA) provides certain appeal rights for marketplace plans that may not apply to grandfathered or short-term plans
• ERISA-governed employer health plans have different appeal procedures than fully-insured state-regulated plans
• Canadian provinces have varying rules for disputing supplemental private insurance denials

We strongly encourage you to research the specific appeal rules applicable in your jurisdiction and to the specific type of insurance plan you have. If you are unsure, consult a licensed attorney or your state/provincial insurance commissioner's office.

9 When to Consult a Licensed Attorney

WinMyAppeals is designed to assist with internal administrative appeals — the standard process your insurance company provides. However, there are situations where you should consult a licensed attorney rather than, or in addition to, using our service:

• If your internal appeals have been exhausted and you are considering litigation or arbitration
• If your denial involves a large sum of money, a serious or life-threatening medical condition, or a disability determination
• If you believe your insurer has acted in bad faith or violated your policy terms
• If you need to file a complaint with a state or provincial insurance regulatory body
• If you are subject to ERISA and considering a federal lawsuit
• If you are unsure whether the appeal letter content is appropriate for your specific situation

Many insurance and patient advocacy attorneys offer free consultations, and some take insurance cases on a contingency fee basis. Your state's bar association can provide referrals to attorneys specializing in insurance law.

10 Changes to This Disclaimer

WinMyAppeals reserves the right to update or modify this disclaimer at any time without prior notice. Changes are effective immediately upon posting to our website. Your continued use of WinMyAppeals following any modification constitutes your acceptance of the updated disclaimer.

We encourage you to review this page periodically. The "Last Updated" date at the top of this page indicates when the disclaimer was most recently revised.

11 Contact Us

If you have questions about this legal disclaimer, our service, or your specific situation, please contact us:

WinMyAppeals does not provide legal consultations or legal referrals through its support channel. For legal advice, please consult a licensed attorney in your jurisdiction.