These Terms of Service ("Terms") constitute a legally binding agreement between you ("User," "you," or "your") and RiA Technology LLC, a Utah limited liability company doing business as ChargebackIQ ("ChargebackIQ," "we," "us," or "our"). By accessing or using the ChargebackIQ platform at app.chargebackiq.org, you agree to these Terms in full.
ChargebackIQ is a software-as-a-service (SaaS) platform that provides Medicare Advantage insurance agents, field marketing organizations (FMOs), and related insurance professionals with tools to:
You must be at least 18 years old and a licensed insurance professional or authorized representative of an insurance agency or FMO to use ChargebackIQ. By creating an account, you represent and warrant that you meet these requirements and that all information you provide is accurate and complete.
You are responsible for maintaining the confidentiality of your login credentials and for all activities that occur under your account. You agree to notify us immediately of any unauthorized use of your account at support@chargebackiq.org. We are not liable for any loss or damage arising from your failure to maintain account security.
New accounts receive a 60-day free trial with full access to all features. No credit card is required to start a trial. At the end of the trial period, continued access requires a paid subscription.
Current pricing plans are:
Pricing is subject to change with 30 days advance notice to existing subscribers.
Subscriptions are billed monthly in advance. All fees are non-refundable except as required by law or as explicitly stated in these Terms. You authorize us to charge your payment method on file for all applicable fees.
You may cancel your subscription at any time. Cancellation takes effect at the end of the current billing period. You will retain access to the platform until the end of the period you have paid for.
You agree to use ChargebackIQ only for lawful purposes and in accordance with these Terms. You agree not to:
You retain full ownership of all data you upload to ChargebackIQ, including roster files, commission statements, member information, and notes. By uploading data, you grant us a limited license to process and store that data solely for the purpose of providing our service to you.
You represent and warrant that you have all necessary rights, permissions, and consents to upload and process the data you provide, including any Medicare member information contained in carrier roster files.
The AI dispute analysis feature uses large language models to generate suggested dispute language based on the information you provide. This content:
Reference to 42 CFR §422.2274 and other regulations in AI-generated content is provided for informational purposes. We strongly recommend consulting a licensed attorney for legal advice regarding specific dispute situations.
ChargebackIQ is a software tool. We are not a licensed insurance company, broker, or regulatory body. Use of our platform does not guarantee compliance with any applicable insurance regulations. You are solely responsible for ensuring that your use of ChargebackIQ and any dispute communications you send comply with all applicable federal and state laws, carrier contracts, and CMS regulations.
The ChargebackIQ platform, including its software, design, features, and content (excluding your uploaded data), is owned by RiA Technology LLC and protected by copyright, trademark, and other intellectual property laws. You may not copy, modify, distribute, or create derivative works from our platform without our express written permission.
Our collection and use of your information is governed by our Privacy Policy, which is incorporated into these Terms by reference. By using ChargebackIQ, you consent to our data practices as described in the Privacy Policy.
If you are a Covered Entity or Business Associate under HIPAA and you upload Protected Health Information (PHI) to ChargebackIQ, you must execute a Business Associate Agreement (BAA) with us before doing so. Please contact support@chargebackiq.org to request a BAA. BAAs are available to FMO group and enterprise plan subscribers.
ChargebackIQ is provided "as is" and "as available" without warranties of any kind, either express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, or non-infringement.
To the maximum extent permitted by law, RiA Technology LLC shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to lost profits, lost commissions, loss of data, or business interruption, arising from your use of or inability to use ChargebackIQ, even if we have been advised of the possibility of such damages.
Our total liability to you for any claim arising from these Terms or your use of ChargebackIQ shall not exceed the amount you paid us in the 12 months preceding the claim.
You agree to indemnify, defend, and hold harmless RiA Technology LLC, its officers, employees, and agents from any claims, damages, losses, or expenses (including reasonable attorneys' fees) arising from your use of ChargebackIQ, your violation of these Terms, or your violation of any applicable law or third-party rights.
We reserve the right to suspend or terminate your account at any time for violation of these Terms, non-payment, or conduct that we reasonably believe is harmful to other users, third parties, or our business. You may terminate your account at any time by contacting us at support@chargebackiq.org.
Upon termination, your right to access the platform ceases immediately. We will retain your data for 30 days following termination, after which it will be deleted.
These Terms are governed by the laws of the State of Utah, without regard to its conflict of law provisions. Any disputes arising from these Terms or your use of ChargebackIQ shall be resolved through binding arbitration in Salt Lake County, Utah, in accordance with the rules of the American Arbitration Association, except that either party may seek injunctive relief in a court of competent jurisdiction.
We may update these Terms from time to time. We will notify you of material changes via email or in-app notification at least 30 days before the changes take effect. Continued use of ChargebackIQ after changes take effect constitutes your acceptance of the updated Terms.
These Terms, together with our Privacy Policy and any applicable Business Associate Agreement, constitute the entire agreement between you and RiA Technology LLC regarding your use of ChargebackIQ and supersede all prior agreements and understandings.
If you have questions about these Terms, please contact: