This End User License Agreement (“Agreement” or “EULA”) is a legal contract between you (“User” or “you”) and the individual developer of BillShield (“Developer,” “Licensor,” “we,” “us,” or “our”) for the BillShield mobile application for iPhone and iPad (“Licensed Application” or “App”), including updates and related documentation.
BY DOWNLOADING, INSTALLING, ACCESSING, OR USING THE APP, YOU AGREE TO THIS AGREEMENT. IF YOU DO NOT AGREE, DO NOT USE THE APP AND DELETE IT FROM YOUR DEVICE.
If you obtained the App from the Apple App Store, the following also apply:
The Apple Licensed Application End User License Agreement (Standard EULA) applies to App Store copies. If this Agreement conflicts with Apple’s Standard EULA on matters within Apple’s scope, Apple’s Standard EULA controls.
Subject to your compliance with this Agreement, we grant you a limited, non-exclusive, non-transferable, non-sublicensable, revocable license to install and use one copy of the App on Apple-branded devices that you own or control, solely for your personal, non-commercial use, as permitted by Apple’s Usage Rules.
You may not:
BillShield helps U.S. consumers understand medical bills and insurance Explanation of Benefits (EOBs). The App is local-first by default. Features may include, without limitation:
The App is an educational and organizational tool only. It does not provide medical, legal, insurance, billing-advocacy, or tax advice. The Developer is not a healthcare provider, insurer, attorney, tax preparer, or licensed patient advocate. The Developer does not file appeals, contact insurers on your behalf, or negotiate bills for you.
You acknowledge and agree that:
You must be at least 13 years old (or the minimum age required in your jurisdiction) and able to enter a binding contract. The App is intended for users in the United States dealing with U.S. medical billing contexts. If you are under 18, you represent that you have permission from a parent or legal guardian.
Saving bills to your archive, Active Cases, subscription linking, optional cloud sync, and Cloud AI require Sign in with Apple. You are responsible for your Apple ID, device security, and keeping credentials confidential. We may suspend or limit features if authentication fails, usage limits are exceeded, or abuse is detected.
You may use many on-device features without signing in. Signing in is required only for account-linked features you choose to use.
You may delete on-device data in Settings → Privacy → Delete all data. To request deletion of cloud account data, email hello@familymedvault.com with subject BillShield Account Deletion. Account deletion may not restore prior purchases or subscription time already consumed.
BillShield organizes saved billing work as Active Cases. Your plan determines how many may be open at once. The App may display usage such as “1 / 1 used.” If you reach your limit, you must close, resolve, or remove an existing case, or upgrade, before opening a new one.
When Cloud AI is enabled, certain features consume AI credits enforced on our servers (e.g., deep bill analysis, cloud-assisted appeal drafts). You may see summarized usage in Settings. Unused AI credits generally do not roll over to the next billing cycle unless we expressly state otherwise in the App at purchase time.
We may adjust limits, credit costs per action, or enforcement to maintain service quality, prevent abuse, or reflect third-party pricing, with notice as described in Section 21.
Prices and limits are shown in the App Store at purchase time and may vary by region. Typical U.S. values at last update:
| Plan | Active Cases | AI credits / billing cycle | Typical U.S. price |
|---|---|---|---|
| Free | 1 | 20 | Free |
| BillShield Pro (monthly auto-renewable) | 10 | 300 | USD $12.99 / month |
| BillShield Pro (annual auto-renewable) | 25 | 500 | USD $99 / year |
| Appeal Pack (one-time consumable) | — | +100 credits; +1 Premium Appeal Review | USD $24.99 (one-time) |
Exact limits, prices, and feature availability are enforced in the App and App Store at the time of purchase. Material changes will be reflected in an updated EULA, Privacy Policy, or in-app notice where required by law.
Cloud AI is disabled when you first use the App. Unless you turn it on, bill and EOB content is processed only on your iPhone or iPad.
To use Cloud AI you must all of the following:
When enabled and opted in:
ai-proxy) and processed by a third-party AI provider (currently OpenAI);You may disable Cloud AI at any time in Settings. Disabling stops new cloud uploads. See the Privacy Policy for data handling, retention, and deletion.
Paid features are offered as auto-renewing subscriptions through Apple In-App Purchase:
com.jchen.BillShield.pro.monthly (typical USD $12.99/month)com.jchen.BillShield.pro.annual (typical USD $99/year)Subscription terms:
The App offers a one-time Appeal Pack consumable purchase (com.jchen.BillShield.appeal.pack, typical USD $24.99) that may grant +1 Premium Appeal Review and +100 AI credits when consumed through associated features. Consumables:
Entitlements may be validated via RevenueCat and synced to our backend to enforce plan limits. We do not receive your full payment card details—Apple processes payments.
We may change subscription prices, plan limits, credit allocations, or included features. Where required by Apple or applicable law, you will receive notice and an opportunity to accept or cancel before a price increase takes effect on renewal.
You retain ownership of bills, EOBs, appeal letter drafts, and other content you input (“User Content”). You grant us a limited, worldwide, royalty-free license to host, process, transmit, display, and store User Content solely to operate features you request (including Cloud AI when enabled and case sync when signed in).
You represent that you have the right to upload User Content, that it does not violate law or third-party rights, and that you will not upload another person’s medical records without proper authorization.
You agree that any appeal letter or PDF you send to an insurer is your responsibility. The Developer does not review, approve, or file documents on your behalf. Removing or altering “draft” markings before submission is at your own risk.
You agree not to misuse the App, including by:
The App, software, trademarks, UI, denial-code databases, templates, and documentation are owned by the Developer or licensors and protected by intellectual property laws. No rights are granted except the limited license in Section 2. Feedback you provide may be used by us without obligation or compensation to you.
Our Privacy Policy describes data practices and is incorporated into this Agreement by reference. The App is local-first by default; cloud processing occurs only as described in the Privacy Policy and only when you enable Cloud AI and opt in per document.
The App may display links to third-party websites, phone numbers, or programs (e.g., charity care, debt counseling, advocacy organizations). We do not control and are not responsible for third-party content, availability, eligibility rules, or conduct. Your use of external sites or phone services is at your own risk and subject to their terms.
The App relies on third-party infrastructure (including Apple, Supabase, OpenAI, and RevenueCat). We are not liable for outages, policy changes, or actions of those providers except as required by law.
We may modify, suspend, or discontinue any part of the App (including features, limits, third-party integrations, sample price data, or supported content) at any time, with or without notice, except where prohibited by law. We are not liable for downtime, data loss, or changes caused by third-party services or your network provider.
Updates may be required for security or compatibility. Some updates may be mandatory to continue using certain features.
THE LICENSED APPLICATION AND ALL RELATED SERVICES ARE PROVIDED “AS IS” AND “AS AVAILABLE,” WITH ALL FAULTS AND WITHOUT WARRANTY OF ANY KIND. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE DEVELOPER DISCLAIMS ALL WARRANTIES, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, ACCURACY, QUIET ENJOYMENT, AND NON-INFRINGEMENT.
WITHOUT LIMITING THE FOREGOING, WE DO NOT WARRANT THAT: (A) THE APP WILL BE UNINTERRUPTED, SECURE, OR ERROR-FREE; (B) AI, OCR, OR RULE-BASED OUTPUTS WILL BE ACCURATE OR COMPLETE; (C) APPEALS WILL SUCCEED OR TIMELINE ESTIMATES WILL MATCH INSURER DEADLINES; (D) POTENTIAL SAVINGS OR REFERENCE PRICING RANGES WILL BE REALIZED OR REFLECT LIVE MARKET PRICES; (E) RESOURCE LINKS OR TAX-RELATED ESTIMATES WILL BE CURRENT OR SUITABLE FOR YOUR SITUATION; (F) PLAN LIMITS OR USAGE METERING WILL ALWAYS MATCH YOUR EXPECTATIONS; OR (G) THIRD-PARTY SERVICES WILL REMAIN AVAILABLE.
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL THE DEVELOPER BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, REVENUE, DATA, GOODWILL, HEALTH-RELATED OUTCOMES, MISSED APPEAL DEADLINES, OR OTHER INTANGIBLE LOSSES, ARISING OUT OF OR RELATED TO YOUR USE OF OR INABILITY TO USE THE APP, CLOUD AI, SUBSCRIPTIONS, CONSUMABLE PURCHASES, EXTERNAL LINKS, EXPORTED DRAFTS, OR ANY OUTPUT, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE DEVELOPER’S TOTAL AGGREGATE LIABILITY FOR ALL CLAIMS RELATING TO THE APP OR THIS AGREEMENT SHALL NOT EXCEED THE GREATER OF: (A) ONE HUNDRED U.S. DOLLARS (USD $100); OR (B) THE TOTAL AMOUNT YOU PAID TO THE DEVELOPER (THROUGH APPLE) FOR THE APP, SUBSCRIPTIONS, OR IN-APP PURCHASES IN THE TWELVE (12) MONTHS IMMEDIATELY BEFORE THE EVENT GIVING RISE TO THE CLAIM.
Some jurisdictions do not allow exclusion or limitation of certain damages; in those jurisdictions, our liability is limited to the fullest extent permitted by law. Nothing in this Agreement excludes liability that cannot be excluded under applicable consumer protection law.
You agree to defend, indemnify, and hold harmless the Developer from and against any claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys’ fees) arising from: (a) your use of the App; (b) your User Content or appeals you submit to third parties; (c) your violation of this Agreement or applicable law; (d) your reliance on App outputs without independent verification; or (e) your dispute with an insurer, provider, collector, or other third party—except to the extent caused by the Developer’s gross negligence or willful misconduct where such limitation is prohibited by law.
This Agreement remains in effect while you use the App. You may stop using the App at any time and delete it from your device. Cancel subscriptions through Apple to avoid future renewal charges. We may suspend or terminate access if you violate this Agreement or to protect the service, users, or third parties. Upon termination, the license in Section 2 ends. Sections intended to survive (including disclaimers, liability limits, indemnity, and governing law) survive termination.
You represent that you are not located in a country subject to U.S. embargo and are not on any U.S. government restricted-party list. The App is “Commercial Item” software as defined in FAR 2.101, licensed to U.S. Government end users only with the rights granted herein.
We may modify this Agreement by posting an updated version with a new “Last updated” date at the same URL. Material changes may be communicated in-app or by other reasonable means. Continued use after the effective date constitutes acceptance. If you do not agree, stop using the App, cancel subscriptions through Apple, and delete the App.
This Agreement is governed by the laws of the State of California, United States, without regard to conflict-of-law principles, except that mandatory consumer protection laws in your country of residence may apply where they cannot be waived. Exclusive jurisdiction for disputes (where permitted) shall be in state or federal courts located in California, and you consent to personal jurisdiction there.
Nothing in this Agreement limits any non-waivable statutory rights of consumers under applicable law.
Questions about this EULA:
Email: hello@familymedvault.com
Subject: BillShield EULA
BillShield © 2026. Operated by an individual developer. Apple, App Store, Sign in with Apple, iPhone, and iPad are trademarks of Apple Inc. OpenAI, Supabase, and RevenueCat are trademarks of their respective owners. This Agreement does not create a doctor-patient, attorney-client, insurer-insured, or tax-advisor relationship.