ChargebackIQ is a software-as-a-service (SaaS) platform operated by RiA Technology LLC, a Utah limited liability company doing business as ChargebackIQ. We provide Medicare Advantage insurance agents and field marketing organizations (FMOs) with tools to audit commission rosters, identify potential chargeback errors, and manage dispute communications with carriers.
When you create an account, we collect:
When you upload carrier roster files, our platform processes member data including:
This information is uploaded by you and used solely to provide the comparison and audit features of our platform. We do not sell, share, or use this data for any purpose other than delivering our service to you.
If you upload commission statement files, we process payment amounts, payment types, and member IDs contained in those files. This data is used only to cross-reference against your roster data to identify potential chargebacks.
We automatically collect certain technical information including:
Subscription payments are processed by third-party payment processors. We do not store credit card numbers or banking information on our servers.
We use the information we collect to:
We do not use your data to train AI models, sell to third parties, or share with carriers, insurers, or any party outside of what is necessary to deliver our service.
ChargebackIQ uses the Anthropic Claude API to generate dispute analysis and email drafts. When you run an AI analysis, member information (name, member ID, carrier, plan, and enrollment status) is sent to Anthropic's API to generate the analysis. This data is processed according to Anthropic's privacy policy and data processing agreements.
We also use the following third-party services:
Each of these providers maintains their own privacy and security practices. We have selected providers that meet industry standards for data protection.
Medicare member data processed through ChargebackIQ may constitute Protected Health Information (PHI) under the Health Insurance Portability and Accountability Act (HIPAA). We are committed to maintaining appropriate safeguards for PHI. FMO and group account customers requiring a Business Associate Agreement (BAA) should contact us at support@chargebackiq.org.
Your data is stored in Supabase's secure cloud infrastructure. We implement the following security measures:
While we implement industry-standard security measures, no system is completely secure. We encourage you to use strong passwords and keep your login credentials confidential.
We retain your account data and uploaded roster information for as long as your account is active. If you delete your account, we will delete your data within 30 days, except where we are required to retain it for legal or compliance purposes.
You may delete individual uploads, member records, and dispute history at any time through the application interface.
Depending on your location, you may have the right to:
To exercise any of these rights, contact us at support@chargebackiq.org.
ChargebackIQ uses essential cookies and local storage to maintain your login session and user preferences (such as theme selection). We do not use advertising or tracking cookies. We do not share cookie data with third parties.
ChargebackIQ is a professional business tool intended for use by licensed insurance agents and industry professionals. We do not knowingly collect data from individuals under the age of 18.
We may update this Privacy Policy from time to time. We will notify registered users of material changes by email or through an in-app notification. Continued use of ChargebackIQ after changes take effect constitutes acceptance of the updated policy.
If you have questions about this Privacy Policy or how we handle your data, please contact: