Refund Policy

BillSurgeon LLC shows you a free preliminary verdict before you pay anything. Payment unlocks the full findings, supporting evidence, and, where applicable, a dispute letter for the episode of care you uploaded. Because you already see the topline result, including whether a dollar amount was identified, before you decide to purchase, our default policy is that payments are final once your full report is unlocked and made available to you, except as described below. This applies to a single audit purchase and to the four-audit bundle alike.

We provide a full refund if:

• You were charged but, due to a technical failure on our end, your paid report was never generated or made available to you
• You were charged more than once for the same audit
• You were charged in error or without authorization
• A refund is required by applicable state law

Because the free verdict is shown before payment, we generally do not refund a purchase solely because:

• The full report confirmed few or no billing errors, once the free verdict had already indicated that outcome
• You disagree with a finding's classification (Confirmed, To Verify, or Informational): these tiers reflect the strength of available evidence, not a promise of any particular outcome
• Your provider disputes, denies, or does not respond to the dispute letter you send
• You changed your mind after unlocking the full report

The four-audit bundle provides four total audits for one bundled payment. Your own first audit unlocks immediately once payment succeeds, no code needed. We then email you three redemption codes, one for each of your remaining three audits. Each code is single-use and expires 12 months from the date of purchase. Codes are not tied to your identity, so anyone who has the code can redeem it. Treat your codes like a gift card and do not share them. Unused codes are refundable on a pro-rated basis only where required by applicable state law; otherwise, once at least one code in a bundle has been redeemed, the bundle purchase is treated as used for purposes of Section 1.

Email support@billsurgeon.com with the email address you used at checkout and, if you have it, your order or payment confirmation. We aim to respond within 3 business days. Approved refunds go back to your original payment method through Stripe and typically take 5 to 10 business days to appear on your statement, depending on your bank or card issuer.

If you believe a charge was made in error, contact us first at support@billsurgeon.com. This is usually faster than a card-network chargeback. Initiating a chargeback for a properly authorized, delivered report may result in your access to that report being revoked while we resolve it.

This policy does not limit any right you have under your state's law that cannot be waived by agreement, including any state-specific right to a refund or to cancel a purchase within a defined period. Where this policy conflicts with a non-waivable right under your state's law, your state's law controls to the extent required.

support@billsurgeon.com