Terms of Service
REVIEWER NOTE — INTERNAL, DOES NOT RENDER
This is a working draft. It has not been reviewed by an attorney. Do not publish this page, and do not open checkout to the public, until a licensed attorney has reviewed and approved it. SPEC D7 makes attorney review of Terms and Privacy a launch gate, not a nice-to-have.
The draft is written to be substantively correct about what the product actually does, so the attorney is editing a real document rather than drafting from scratch. It is not a substitute for that review.
Open items for the attorney:
- North Carolina assumed-business-name filing. The operating entity is King Tech Solutions LLC and every customer-facing surface says "The Remit Lab." Confirm whether an assumed-business-name certificate must be filed with the county register of deeds (N.C.G.S. Ch. 66, Art. 14A) before selling under the brand name, and whether anything else — registered agent, state registration for out-of-state sales — follows from it. Open. Do not resolve internally. (SPEC D7.)
- State of formation.
[[FORMATION_STATE]]is assumed to be North Carolina. Confirm, and confirm it matches the governing-law clause.- Dispute resolution. This draft uses plain governing-law and venue clauses. Whether to add binding arbitration, a class-action waiver, or an informal-resolution period is a judgment call for counsel. Not decided here.
- Limitation-of-liability cap. Drafted as the amount the customer paid. Confirm that the cap, the consequential-damages exclusion, and the carve-outs are enforceable in the target states.
- "Lifetime access." SPEC B1 sells one-time payment with lifetime access. Section 6 defines it as the operating life of the product plus 60 days' notice on retirement. Confirm the notice period is a commitment the business will keep, and that the definition is adequate against consumer-protection standards for the word "lifetime."
- Educational-product characterization. Confirm nothing in Sections 11–13 needs strengthening given the audience is healthcare practitioners acting on what they learn.
- USPTO knockout search on "The Remit Lab" is still open (SPEC Assumption 10). Close it before launch marketing spend. Not a Terms issue, but it lands on the same desk.
- Trademark and entity naming must be consistent across all four legal pages, the certificate (SPEC C10), and the site footer.
Page title: Terms of Service
Effective: [[EFFECTIVE_DATE]] · Last updated: [[LAST_UPDATED]]
1. Who you are dealing with
The Remit Lab is operated by King Tech Solutions LLC, d/b/a The Remit Lab, a [[FORMATION_STATE]]
limited liability company. "We," "us," and "our" mean King Tech Solutions LLC. "You" means the person
using the site or the product.
The product is the Denied Claim Simulator — an educational training program made up of lessons, practice scenarios, drills, an exam, calculators, and downloadable templates.
Mailing address: [[ENTITY_ADDRESS]]
Contact: [[SUPPORT_EMAIL]]
2. Accepting these terms
By using this site, buying access, or signing in, you agree to these terms. If you do not agree, do not use the product. If you are agreeing on behalf of a practice or employer, you are confirming you have the authority to bind it.
These terms include the Refund Policy, the Privacy Policy, and the Educational Disclaimer. Read them. They are short.
3. Who can use the lab
You must be at least 18 years old. The product is written for the United States market and is sold in US dollars. We do not knowingly sell to anyone under 18.
4. Your account
You get access through an account tied to the email address you paid with, created for you at purchase. Keep your password to yourself. You are responsible for what happens under your account.
One account is for one person. Do not share your login, and do not use one account to train a team. If you want to train a team, email us about clinic licensing and we will tell you where that stands.
If we see credential sharing, we may suspend the account. We will email you first unless the sharing is obviously deliberate.
5. What you are buying
You are buying a personal license to use an educational training product. You are not buying billing services, consulting, a credential, or an outcome.
Verbatim — SPEC D7 checkout disclaimer:
You're purchasing educational training with synthetic practice scenarios. No outcome — reimbursement, claim approval, compliance, employment, or income — is promised or implied. 14-day no-questions refund.
What each tier includes is listed on the pricing page at the time you buy. That listing controls. The order bump is offered inside checkout and is a separate purchase with its own listing. The upgrade from Simulator Core to the Practice Owner Edition is offered at a reduced one-time price on your receipt immediately after you buy, and afterwards from your account page at the difference between the two editions. Expansion packs, when released, are separate purchases with their own listings.
6. Lifetime access, defined
Your purchase is a one-time payment. There is no subscription, no renewal, and no recurring charge.
"Lifetime access" means access for as long as we operate the Denied Claim Simulator. It does not mean your lifetime, and no product runs forever. If we retire the product, we will email everyone who owns it at least 60 days before access ends, and during that window you will be able to print or save a PDF of your Denial Prevention Playbook and your certificate, and download anything in your template vault.
We may change, add, replace, or retire individual lessons, scenarios, templates, and tools at any time. Billing education has to change to stay useful. What we will not do is quietly remove a tier's headline components without telling owners.
7. Price, payment, and tax
Payment is handled by Stripe. We never see or store your card number. Sales tax, where it applies, is calculated and collected through Stripe Tax and added at checkout.
Prices are in US dollars and can change. A price change never applies retroactively to something you already bought.
8. Refunds
14 days, unconditional, no questions. The full policy is at /legal/refunds and is part of these terms.
9. What you may do with the content
Everything in the lab — lessons, scenarios, feedback text, the denial library, calculators, templates, and the site itself — belongs to us or our licensors.
You may:
- use all of it for your own learning, and for the day-to-day work of the practice you work in;
- print, adapt, and use the vault templates inside your own practice, including handing a filled-in checklist to your own staff;
- quote short excerpts with attribution.
You may not:
- share, resell, republish, or redistribute the content, including in a course, workshop, membership, or training program of your own;
- give your login to anyone, or run scenarios on someone else's behalf as a service;
- scrape, bulk-download, or use automated tools against the site;
- reverse engineer the scoring engine or the scenario logic;
- remove the disclaimer footer from a template, or present our material as your own.
The template license is deliberately generous inside your practice and closed outside it. Use the checklists. Do not sell them.
10. Acceptable use
Do not attempt to break, overload, or gain unauthorized access to any part of the service. Do not use the product to do anything illegal. Do not upload anything — there is nowhere to upload to, and attempting to create one is a violation.
11. This is education, not advice
The lab teaches you how to read and diagnose denied claims using synthetic practice material. It is not billing advice, coding advice, legal advice, tax advice, compliance advice, or medical advice, and using it does not create a professional relationship between us.
Nothing here tells you what any real payer requires. Every scenario carries its own stated payer rules so the training never depends on, or asserts, a real plan's policy. Rules, code sets, plan terms, and filing windows vary by payer, plan, state, and contract, and they change.
You are responsible for your own claims, your own documentation, and your own decisions. Verify anything you act on against current official sources and your own payers' documentation.
12. The certificate
If you pass the final exam you get a certificate of completion. Here is exactly what it is, taken from the certificate itself.
Verbatim — SPEC C10:
This is an internal certificate of course completion issued by The Remit Lab (operated by King Tech Solutions LLC). It is not a professional certification, credential, or license, and does not represent endorsement by any certifying body, payer, educational accreditor, or government agency.
Do not present it as a credential. We may void a certificate obtained by sharing an account or otherwise gaming the exam.
13. No patient information, ever
Do not enter protected health information (PHI) or any patient identifier into this product.
The product is built so that you cannot. There are no uploads anywhere. Two fields take free text: the two-field "Report an issue" form, which asks what is wrong with a lesson or scenario, and the display name on your account page, which is the name printed on your certificate. Neither asks for anything about a real person, and neither should be given anything about one.
We are not a HIPAA covered entity or business associate for anything you do here, and we do not sign business associate agreements for this product. If patient information reaches us anyway, we will delete it and tell you.
14. Synthetic codes and content
All patients, providers, payers, claims, member IDs, NPIs, service codes, modifiers, and denial codes in this product are fictional. Service codes, modifiers, and denial reason and remark codes are synthetic teaching codes we made up, because the real code sets are proprietary to third parties. The narrow exceptions — a short list of public-domain ICD-10-CM diagnosis codes and real CMS place-of-service codes — are described on the Educational Disclaimer page.
Synthetic codes are not a shortcut. They exist so the lab can teach the structure of a denial without reproducing anyone's licensed material, and so nothing you learn depends on a code list that may have changed since you read it.
15. What you send us
The "Report an issue" form takes two fields: what is wrong, and optionally your email so we can follow up. When you send one, you give us permission to use it to fix and improve the content.
Send content problems, not patient details, and not anything confidential.
16. Third-party services
We rely on other companies to run the product: payments, authentication and database hosting, email, analytics, and application hosting. They are listed in the Privacy Policy. We are not responsible for their services, and their terms apply to their part of the transaction.
17. Availability
We aim to keep the lab available and we do not promise uninterrupted or error-free access. Planned maintenance, outages at a provider, and bugs happen. If a serious outage keeps you out for an extended period, email us.
18. Ending your access
You can stop using the product at any time. To delete your account, email [[SUPPORT_EMAIL]] and
we will delete it for you — there is no self-service delete button today.
Deleting your account removes your learning data and ends your access. That is not a refund request
— if you want your money back within 14 days, use the Refund Policy first.
We may suspend or end your access if you breach these terms, in particular Sections 4, 9, 10, or 13. Where the breach is minor and fixable, we will ask you to fix it first.
If we end your access for a breach within your 14-day refund window, you still get your refund.
19. Disclaimer of warranties
The product is provided "as is" and "as available." To the fullest extent the law allows, we disclaim all warranties, express or implied, including merchantability, fitness for a particular purpose, and non-infringement.
We do not warrant that the content is complete, current, or applicable to your payers, your state, your plan contracts, or your situation. Content carries a "last reviewed" date for exactly that reason.
Some states do not allow certain warranty exclusions. Where that is the case, this section applies to the extent permitted.
20. Limitation of liability
To the fullest extent the law allows:
- We are not liable for indirect, incidental, special, consequential, exemplary, or punitive damages, or for lost revenue, lost profits, denied or unpaid claims, penalties, or lost data, arising out of or related to the product.
- Our total liability for any claim relating to the product is limited to the amount you actually paid us for it. If you paid nothing, it is limited to one hundred US dollars.
This applies regardless of the legal theory and even if we were told the damage was possible. It does not apply to liability that cannot be limited by law.
21. Indemnification
You agree to cover our reasonable costs, including legal fees, arising from your breach of these terms, your misuse of the product, or your violation of law or the rights of others.
22. Governing law and where disputes are heard
These terms are governed by the laws of the State of North Carolina, without regard to its conflict-of-laws rules. Any dispute will be brought in the state or federal courts located in North Carolina, and both sides consent to that jurisdiction.
[note] Attorney open item 3 — arbitration and class-waiver decision pending.
23. Changes to these terms
We may update these terms. If a change is material, we will email account holders and update the "Last updated" date at the top. Continuing to use the product after a change means you accept the updated terms. If you do not, stop using the product; if you are inside your refund window, ask for your money back.
24. Severability and entire agreement
If any part of these terms is unenforceable, the rest stays in force. These terms, plus the policies they reference and the tier description you bought under, are the whole agreement between us about the product.
25. Contact
Questions about these terms: [[LEGAL_EMAIL]]
Everything else: [[SUPPORT_EMAIL]]
King Tech Solutions LLC, d/b/a The Remit Lab · [[ENTITY_ADDRESS]]