Terms of Service

Last Updated: March 3, 2026

Important Notice

DenialDefender is not a law firm and does not provide legal advice. Our service generates appeal letter templates based on the information you provide. The letters and materials we create do not constitute legal advice, and using our service does not create an attorney-client relationship. For legal advice specific to your situation, please consult with a licensed attorney.

Agreement to Terms

By accessing and using DenialDefender ("the Service"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, you may not use the Service. We reserve the right to modify these Terms at any time, and your continued use of the Service constitutes acceptance of any changes.

Description of Service

DenialDefender provides an online platform that generates customized appeal letter templates for various types of denials, including:

  • Medical insurance claim denials
  • College and university admission rejections
  • Financial aid denials and reductions
  • Property tax assessments

Our Service uses artificial intelligence and established legal frameworks to create professional appeal letters based on information you provide. We do not guarantee specific outcomes or results.

User Eligibility and Account

To use DenialDefender, you must:

  • Be at least 18 years of age
  • Provide accurate and complete information
  • Maintain the security of your account credentials
  • Notify us immediately of any unauthorized access
  • Accept responsibility for all activities under your account

We reserve the right to refuse service, terminate accounts, or cancel orders at our discretion, especially in cases of suspected fraud, abuse, or violation of these Terms.

Payment and Pricing

Fees

Prices for our services are displayed on our website and are subject to change. Current pricing:

  • Medical Insurance Appeals: $149
  • College Admissions Appeals: $79
  • Financial Aid Appeals: $79
  • Property Tax Appeals: $99

Payment Processing

All payments are processed securely through third-party payment processors. By providing payment information, you represent that you are authorized to use the payment method and authorize us to charge the applicable fees. All fees are non-refundable except as specified in our refund policy below.

Refund Policy

We offer a 100% money-back guarantee within 7 days of purchase.

If you are not satisfied with the appeal letter we generate, you may request a full refund within 7 days of your purchase date. To request a refund:

  • Contact us at support@denialdefender.com with your order number
  • Provide a brief explanation of your dissatisfaction
  • Refunds are processed within 5-10 business days

Refunds are issued to the original payment method. Please note that one free revision is included with each purchase, and we encourage you to request revisions before seeking a refund.

Revisions and Support

Each purchase includes one free revision of your appeal letter. If your initial appeal is unsuccessful or if you need modifications to strengthen your arguments, we will generate an updated letter at no additional cost.

To request a revision, contact us within 90 days of your original purchase. Additional revisions beyond the first may be subject to a fee.

User Responsibilities

When using DenialDefender, you agree to:

  • Provide accurate, complete, and truthful information
  • Review all generated materials carefully before submission
  • Verify that all facts and dates in your appeal letter are correct
  • Understand and meet all deadlines for your appeal
  • Follow proper submission procedures for your specific situation
  • Not use the Service for any unlawful or fraudulent purpose
  • Not attempt to reverse engineer, copy, or replicate our technology
  • Not share your account access with others

Disclaimers and Limitations of Liability

No Guarantee of Results

While we strive to create effective appeal letters and report a 73% success rate based on customer-reported outcomes, we cannot and do not guarantee that your appeal will be successful. The outcome of any appeal depends on many factors beyond our control, including the specific facts of your case, the policies of the reviewing entity, and applicable laws.

Service Provided "As Is"

The Service is provided "as is" and "as available" without warranties of any kind, either express or implied. We disclaim all warranties, including but not limited to implied warranties of merchantability, fitness for a particular purpose, and non-infringement.

Limitation of Liability

To the fullest extent permitted by law, DenialDefender shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, whether incurred directly or indirectly, or any loss of data, use, goodwill, or other intangible losses resulting from your use of the Service. Our total liability to you for any claims arising from your use of the Service shall not exceed the amount you paid for the Service.

Intellectual Property

All content, features, and functionality of DenialDefender, including but not limited to text, graphics, logos, software, and the compilation thereof, are the exclusive property of DenialDefender and are protected by copyright, trademark, and other intellectual property laws.

Upon payment, you receive a limited, non-exclusive, non-transferable license to use the appeal letter we generate for your personal use in connection with your specific appeal. You may not sell, license, or distribute the materials to others.

Privacy and Data Protection

Your use of the Service is also governed by our Privacy Policy. By using DenialDefender, you consent to our collection, use, and disclosure of your information as described in the Privacy Policy. We take data security seriously and employ HIPAA-compliant practices to protect your sensitive information, though we are not a HIPAA-covered entity.

Indemnification

You agree to indemnify, defend, and hold harmless DenialDefender and its officers, directors, employees, and agents from any claims, liabilities, damages, losses, and expenses, including reasonable attorney's fees, arising out of or in any way connected with your use of the Service, your violation of these Terms, or your violation of any rights of another party.

Dispute Resolution and Arbitration

Any dispute arising from these Terms or your use of the Service shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association. You agree to waive any right to a jury trial or to participate in a class action lawsuit.

This arbitration provision shall survive termination of these Terms and your use of the Service.

Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Delaware, without regard to its conflict of law provisions. Any legal action or proceeding arising under these Terms will be brought exclusively in the federal or state courts located in Delaware.

Termination

We reserve the right to terminate or suspend your account and access to the Service immediately, without prior notice or liability, for any reason, including breach of these Terms. Upon termination, your right to use the Service will immediately cease. Sections of these Terms that by their nature should survive termination shall survive, including but not limited to ownership provisions, warranty disclaimers, and limitations of liability.

Changes to Terms

We reserve the right to modify or replace these Terms at any time. If a revision is material, we will provide at least 30 days' notice prior to any new terms taking effect. What constitutes a material change will be determined at our sole discretion. Your continued use of the Service after any changes constitutes acceptance of those changes.

Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary so that these Terms shall otherwise remain in full force and effect and enforceable.

Contact Information

If you have any questions about these Terms of Service, please contact us:

Email: support@denialdefender.com

Response Time: We aim to respond within 2 business days