This Privacy Policy explains how PureClaim, Inc. ("PureClaim", "we", "us", or "our") collects, uses, stores, and protects personal and medical billing information ("Personal Information") when you engage with our mobile app, website, or related services. This policy applies to the PureClaim mobile application ("App") and all associated medical bill review, auditing, and negotiation services ("Services").

By downloading, accessing, or using our App or Services, you consent to the practices described in this Privacy Policy.

1. Information We Collect

A. Information You Provide

• Account Information: When you register or update your profile, we collect your name, email, phone number, and other contact information.
• Medical and Billing Data: You may upload medical bills, statements, or insurance documents containing personal health and billing information.
• Communications: Messages, chat submissions, and support requests you send to us.
• Payment Information: If you make payments, we collect limited card information (name, last four digits, expiration date, billing address).

B. Information Collected Automatically (Mobile-Specific)

• Device Information: Device model, operating system, app version, unique device identifiers, and mobile network information.
• Usage and Analytics Data: Actions within the App (buttons tapped, pages viewed, session time) to improve performance and usability.
• Crash Reports and Diagnostics: Technical logs collected automatically in case of app errors or crashes.
• Push Notifications: If you enable them, we may send service-related alerts (for example, bill updates or review completions). You can disable notifications in your device settings.
• Camera and Photo Access: If you upload a photo of your medical bill or insurance card, the App will request permission to use your device's camera or photo library. You can revoke access anytime in your device settings.
• File and Document Access: If you upload PDFs or screenshots of bills, the App may request permission to access your file storage temporarily for upload.
• Location (Optional): If you grant permission, we may use approximate location data to match you with local providers or negotiate region-specific pricing. Location data is not tracked in the background.
• Cookies and Mobile Identifiers: Used for analytics and personalization. You can opt out through your device's privacy settings or limit ad tracking.

2. How We Use Your Information

We use your data to:

• Review and negotiate medical bills, identify billing errors, and advocate for fair pricing.
• Provide and improve the App experience and performance.
• Send alerts, receipts, and important account notifications.
• Process payments and manage billing securely.
• Conduct analytics and crash diagnostics to improve stability.
• Comply with legal and regulatory requirements, including data and health privacy laws.

3. Data Sharing and Disclosure

We do not sell or rent your Personal Information. We may share data only in these limited cases:

• Service Providers: Trusted vendors for cloud hosting, analytics (e.g., Firebase, Google Analytics for Firebase), notifications, or payment processing—each bound by confidentiality and security agreements.
• Payment Processor (Stripe): Used to process payments securely.
• Legal Requirements: When required by law, subpoena, or regulatory authority.
• Business Transfers: In connection with mergers or acquisitions, under equal or stronger privacy protections.
• Health Information: Protected Health Information (PHI) is shared or disclosed only as allowed by HIPAA and other healthcare privacy laws.

4. Data Security

We use industry-standard safeguards to protect your information:

• Encryption: All sensitive data is encrypted in transit (HTTPS/TLS) and, where applicable, at rest.
• Secure Authentication: Multi-factor authentication and token-based access for internal tools.
• Access Controls: Limited to authorized personnel with verified roles.
• Continuous Monitoring: Security systems are monitored for vulnerabilities.
• Incident Response: In the event of a breach involving PHI, we will notify affected users and authorities in compliance with HIPAA and state laws.

5. Data Retention

We retain Personal Information only as long as necessary to provide Services, comply with legal requirements, and resolve disputes. Data no longer needed is securely deleted or anonymized.

6. Your Rights and Choices

You have the right to:

• Access and Correction: View or update your personal data.
• Delete Account: Request deletion of your data and account within the App.
• Opt-Out of Notifications: Manage push notifications in device settings.
• Revoke Permissions: Revoke access to camera, photos, or files at any time.
• Portability: Request a copy of your data in a machine-readable format.
• Withdraw Consent: You may withdraw consent for optional features or data uses.

To exercise these rights, contact us at privacy@PureClaim.com.

7. Protection of Health Information

PureClaim complies with all health privacy laws, including HIPAA, and maintains safeguards to ensure the confidentiality, integrity, and security of Protected Health Information (PHI). All PHI processing follows the "minimum necessary" rule.

8. Children's Privacy

Our App and Services are not directed toward users under 18. If we learn that we have collected information from a minor, we will delete it promptly.

9. International Users

Our Services are intended for U.S. users. If you access the App from outside the U.S., your information may be processed and stored in the United States under U.S. privacy laws.

10. Updates to This Policy

We may update this Privacy Policy periodically to reflect operational, legal, or regulatory changes. Updates will appear in the App and on our website with a new effective date. Continued use of the App after updates means you accept the changes.

11. Contact Information

If you have any questions about this Privacy Policy or your data, contact:

Email: privacy@PureClaim.com

Mailing Address:
PureClaim, Inc. – Privacy Department
1234 Main Street
Rochester Hills, MI 48307
United States

HIPAA Notice of Privacy Practices

Effective Date: April 17, 2025

This Notice describes how medical billing and health information about you may be used and disclosed, and how you can access that information. Please review it carefully.

Your Rights

You have the right to:

• Request a copy or access to your health and billing data.
• Request corrections to inaccurate or incomplete information.
• Ask for confidential communications via preferred contact methods.
• Request limits on how your PHI is used or shared.
• Receive a record of certain disclosures made about your PHI in the past six years.
• Obtain a paper copy of this Notice.
• File a complaint if you believe your privacy rights have been violated.

Our Uses and Disclosures

We may use and disclose your PHI:

• To provide and manage PureClaim's Services, including bill review and negotiation.
• To process payment or contingency-based service fees.
• For internal operations such as quality improvement and security monitoring.
• When required by law or to prevent serious harm.
• For any other purpose only with your written authorization, which you may revoke at any time.

Our Responsibilities

• We are legally required to maintain the privacy and security of your PHI.
• We will inform you promptly if a breach compromises your PHI.
• We will not use or disclose your PHI for marketing or sale without your written authorization.
• We will follow the duties and privacy practices described in this Notice.

Questions or Complaints

If you have questions about this Notice or wish to exercise your rights, contact:

Privacy Officer
PureClaim, Inc.
privacy@PureClaim.com
1234 Main Street, Rochester Hills, MI 48307

If you believe your rights have been violated, you may also contact:

U.S. Department of Health and Human Services – Office for Civil Rights
200 Independence Avenue SW, Washington, D.C. 20201
1-877-696-6775 | hhs.gov/ocr/privacy

There will be no retaliation for filing a complaint or exercising your privacy rights.