Terms of service

1. Agreement

These terms are an agreement between you and Owed ("Owed", "we", "us") for your use of owed.health (the "Site"). By using the Site, you agree to them. If you use the Site for an organization, you agree on its behalf and confirm you're authorized to.

2. The Owed service is covered by its own agreement

Access to the Owed application is available only to organizations that sign a customer agreement with us and, before any protected health information is shared, a business associate agreement. Those agreements, not these terms, govern the application and any patient information. If they conflict with these terms, they control.

3. Design-partner requests

Asking to become a design partner doesn't create an obligation for you or for us. We may decline or end any request or program at our discretion. Any pilot will be set out in a written agreement.

4. Don't send patient information through the Site

The Site isn't designed to receive protected health information. Don't include patient information in forms or emails to us unless we've both signed a business associate agreement and agreed on how to send it.

5. Information only

The Site describes our product and general billing concepts. It isn't legal, medical, coding or financial advice, and results vary by practice, payer and contract. Examples on the Site use synthetic data.

6. Acceptable use

You agree not to:

• break the law or anyone's rights through the Site;
• probe, scan or test the Site's security except as described on our security page, or interfere with its operation;
• scrape, copy or resell the Site's content beyond ordinary browsing and sharing;
• submit false information or information about someone else without their permission.

7. Intellectual property

The Site, the Owed name and logo, and the Site's content belong to us or our licensors. You may view and share the Site for your own business evaluation; no other license is granted. CPT® is a registered trademark of the American Medical Association.

8. Feedback

If you send us ideas or feedback, we may use them without obligation to you. That doesn't give us any rights to your data, which remain governed by our agreements with you.

9. Links

The Site may link to other websites. We aren't responsible for their content or practices.

10. Disclaimers

The Site is provided "as is" and "as available", without warranties of any kind, express or implied, including merchantability, fitness for a particular purpose and non-infringement, to the extent the law allows.

11. Limitation of liability

To the extent the law allows, we aren't liable for indirect, incidental, special, consequential or punitive damages, or lost profits or revenue, arising from your use of the Site, and our total liability for any claim relating to the Site is limited to one hundred US dollars. These limits don't apply to the application, which is covered by its own agreement.

12. Indemnity

You'll defend and indemnify us against third-party claims arising from your breach of these terms or misuse of the Site.

13. Governing law

These terms are governed by the laws of the State of Tennessee, without regard to its conflict-of-laws rules. Disputes will be resolved in the state or federal courts located in Tennessee, and both parties consent to their jurisdiction.

14. Changes

We may update these terms by posting a new version here with a new effective date. Continued use of the Site after that means you accept the update.

15. Contact

Questions about these terms: hello@owed.health.