Important Disclaimer

Last updated: October 2025

Not Legal or Insurance Advice

Medical Bill Dispute Pro is not a law firm and does not provide legal advice. It is a procedural, risk-aware, scope-limited system for preparing insurance claim correspondence only.

What This System Will NOT Do

This system will NOT:

• Negotiate with insurers
• Argue coverage or policy interpretation
• Respond to fraud investigations, EUO requests, or reservation of rights letters
• Replace professional legal representation
• Generate output when attorney involvement is detected
• Accept free-form narratives or "tell your story" inputs

Hard Stop Scenarios

This system will intentionally refuse to generate output in the following scenarios:

• Fraud investigations or misrepresentation allegations
• Examination Under Oath (EUO) requests
• Recorded statement requests
• Reservation of rights letters
• Bad faith allegations or litigation threats
• Commercial claims over $50,000
• Any letter mentioning attorneys or legal action
• Subrogation disputes
• Coverage disputes requiring legal interpretation

If your letter involves any of the above, you MUST consult a licensed attorney immediately.

No Professional Relationship

Use of our service does not create an attorney-client, insurance agent-client, or any other professional relationship. We are not affiliated with any insurance company or government agency.

User Responsibility

Users are solely responsible for:

• Verifying the accuracy of all information
• Consulting with qualified insurance attorneys or adjusters for complex matters
• Ensuring compliance with all applicable insurance policies and regulations
• Making their own decisions regarding insurance claims

No Guarantees

We make no guarantees about:

• The accuracy of AI-generated analysis
• The effectiveness of suggested responses
• The outcome of any insurance correspondence
• The resolution of claim disputes

Limitation of Liability

Medical Bill Dispute Pro shall not be liable for any direct, indirect, incidental, special, or consequential damages arising from the use of our service.

System Limitations

This procedural system:

• Prepares correspondence only (no negotiation, no persuasion, no strategy)
• May refuse output in dangerous scenarios
• Does not account for all individual circumstances
• Does not reflect the most current insurance policies or regulations
• Does not provide advice for complex or unique situations
• Does not replace the need for professional insurance consultation

Mandatory Professional Representation

You MUST consult a licensed attorney if your letter involves:

• Fraud investigations or misrepresentation allegations
• Examination Under Oath (EUO) requests
• Reservation of rights letters
• Attorney involvement or litigation threats
• Bad faith allegations
• Commercial claims over $50,000
• Subrogation or coverage disputes

General Recommendation

For complex insurance matters, significant amounts, or legal questions, we strongly recommend consulting with a qualified insurance attorney or adjuster.

Contact Information

For questions about this disclaimer, contact info@axis-strategic-media.com