Terms of Service

Legal terms, disclaimers, and conditions for using ProcedureRates.com

Last Updated: January 2025

Important Notice

By using ProcedureRates.com, you agree to these terms. Our calculators are educational tools only and should not be considered professional financial, medical, or legal advice. Please read these terms carefully before using our services.

1. Acceptance of Terms

By accessing or using ProcedureRates.com (the "Service"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, do not use the Service.

We reserve the right to modify these Terms at any time. Continued use of the Service after changes constitutes acceptance of the modified Terms.

2. Disclaimer of Accuracy and Information

IMPORTANT: WE ARE NOT RESPONSIBLE FOR MISINFORMATION OR INACCURACIES

No Guarantee of Accuracy: While we strive to provide accurate and up-to-date information, we make no representations or warranties regarding the accuracy, completeness, reliability, or timeliness of any information, calculations, or results provided through our Service.

Educational Purposes Only: All calculators, tools, and content on this website are provided for educational and informational purposes only. They are NOT intended to be professional financial, medical, insurance, tax, or legal advice.

Healthcare Complexity: Healthcare costs, insurance plans, tax laws, and regulations are extremely complex and vary by location, provider, plan, and individual circumstances. Our calculators provide estimates based on the information you enter, but actual costs may differ significantly.

No Liability for Errors: We are not liable for any errors, omissions, inaccuracies, or misinformation in our calculators, content, or results. You use our Service at your own risk.

⚠️ ALWAYS VERIFY WITH PROFESSIONALS: Before making any financial, medical, or insurance decisions, consult with qualified professionals including financial advisors, insurance agents, tax professionals, and healthcare providers.

3. No Professional Advice

Our Service does not provide:

  • ✗Financial Advice: We are not financial advisors. Our calculators do not constitute investment, retirement, or financial planning advice.
  • ✗Medical Advice: We are not healthcare providers. Our tools do not diagnose, treat, or provide medical recommendations.
  • ✗Insurance Advice: We are not insurance agents. We don't sell insurance or recommend specific plans.
  • ✗Tax Advice: We are not tax professionals. Tax laws are complex and vary by jurisdiction.
  • ✗Legal Advice: We are not attorneys. Our content does not constitute legal advice.

You should always consult with appropriate licensed professionals before making important decisions affecting your health, finances, or legal rights.

4. Use at Your Own Risk

You acknowledge and agree that:

  • •You use our Service entirely at your own risk
  • •You are responsible for verifying all information and calculations
  • •Calculator results are estimates only and may not reflect actual costs
  • •We are not responsible for decisions you make based on our tools
  • •Actual healthcare costs and insurance benefits may differ from estimates

5. Limitation of Liability

To the maximum extent permitted by law:

ProcedureRates.com, its owners, operators, employees, and affiliates SHALL NOT BE LIABLE for any direct, indirect, incidental, consequential, special, or punitive damages arising from or related to:

  • • Your use or inability to use the Service
  • • Any errors, inaccuracies, or omissions in our content or calculations
  • • Any decisions made based on information from our Service
  • • Any financial losses, healthcare costs, or other damages
  • • Any misinformation or incorrect results from our calculators
  • • Any reliance on estimates, projections, or calculations provided

This limitation applies even if we have been advised of the possibility of such damages.

THE SERVICE IS PROVIDED "AS IS" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT.

6. User Responsibilities

As a user of our Service, you agree to:

  • •Use the Service only for lawful purposes
  • •Not misrepresent your relationship with us
  • •Verify all information with qualified professionals
  • •Not rely solely on our calculators for important decisions
  • •Not attempt to reverse engineer, hack, or compromise the Service
  • •Not use automated tools to scrape or copy our content

7. Intellectual Property

All content, features, and functionality of the Service, including but not limited to text, graphics, logos, code, and calculators, are owned by ProcedureRates.com and are protected by copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, modify, or create derivative works without our express written permission.

8. Third-Party Links and Services

Our Service may contain links to third-party websites or services. We are not responsible for the content, accuracy, or practices of third-party sites. Your use of third-party services is at your own risk and subject to their terms and privacy policies.

9. Indemnification

You agree to indemnify, defend, and hold harmless ProcedureRates.com and its affiliates from any claims, damages, losses, liabilities, and expenses (including legal fees) arising from your use of the Service, violation of these Terms, or violation of any rights of another party.

10. Governing Law

These Terms are governed by and construed in accordance with the laws of the United States, without regard to its conflict of law principles. Any disputes shall be resolved in the appropriate courts.

11. 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, and the remaining provisions shall remain in full force and effect.

12. Changes to Terms

We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting to the Service. Your continued use of the Service after changes constitutes acceptance of the modified Terms. We encourage you to review these Terms periodically.

13. Contact Information

If you have questions about these Terms of Service, please contact us at legal@procedurerates.com

Remember

Our calculators are educational tools only. Always consult with qualified professionals before making important financial, medical, or insurance decisions. We are not liable for any decisions you make based on information from our Service.