Terms of Service

1. Acceptance of these terms

These Terms of Service ("Terms") are a binding agreement between you and LucidCare, Inc., a Delaware corporation ("LucidCare," "we," "us," or "our"). By accessing or using the LucidCare website, application, or any related service (collectively, the "Service"), you agree to these Terms and to our Privacy Policy. If you do not agree, do not use the Service.

2. Eligibility

You must be at least 18 years old and able to form a binding contract to use the Service. The Service is intended for users located in the United States.

3. Who we are

LucidCare is an independent healthcare price-transparency tool. We are not affiliated with, endorsed by, or sponsored by any insurer, hospital or health system, employer, pharmacy, pharmaceutical company, or government agency, and we accept no payment from any of them to rank, feature, or influence results.

4. Informational only — not medical, legal, or financial advice

The Service provides general price information and educational content for your personal, non-commercial use. It is not medical, legal, insurance, tax, or financial advice, and it is not a substitute for the judgment of a qualified professional. Nothing on the Service creates a doctor–patient, attorney–client, or advisory relationship. Always confirm coverage, benefits, and prices directly with your provider and insurer, and consult qualified professionals before making any healthcare or financial decision. You use the Service, and rely on any information it provides, entirely at your own risk.

5. Price information is an estimate, not a quote

Prices shown are estimates derived from third-party and publicly available data. They are not a quote, an offer, or a guarantee of the amount you will be charged or owe. Your actual cost depends on your specific plan and benefits, your provider's contracts, medical necessity, the services actually rendered, coding, and other factors outside our control. Data may be incomplete, outdated, or inaccurate. We make no warranty as to the accuracy, completeness, currency, or availability of any information, and you should verify any price with the provider and your insurer before relying on it.

6. Your data stays on your device; plan-integrated records are governed by HIPAA

Health-related data you enter — insurance plans, deductible progress, claims, scanned bills, saved searches, savings events — is stored only in your browser's on-device storage (IndexedDB). Our servers never receive, process, or store it. You can delete it at any time by clearing your browser storage or using the in-app controls. The limited, mostly anonymous information we do receive is described in our Privacy Policy, which is incorporated into these Terms by reference.

Premium plan integration (where offered). If your employer's group health plan connects LucidCare, we receive limited enrollment (eligibility) and, where applicable, claims records from the plan under a Business Associate Agreement governed by HIPAA. Those records are held in a dedicated, encrypted, access-logged environment separate from the app described above; are used only to provide the integrated services (verifying coverage and keeping your deductible/out-of-pocket progress current); are never sold, used for advertising, or shown to your employer; and are handled as described in the "plan-integrated" section of the Privacy Policy. HIPAA rights over plan records (access, amendment, accounting) run through your health plan, and we support them as the plan directs. If no plan connection exists for your employer, this paragraph does not apply to you.

7. Beta program

The Service is currently offered as a gated pre-release (the "Beta"). Beta access is by invitation and is conditioned on your acceptance of the Beta Terms. The Beta is provided for evaluation, may change or be withdrawn at any time, and may contain errors. Sessions entered with a tester/marketer access code are activity-logged for a limited window as described in the Privacy Policy.

8. Acceptable use

You agree not to: (a) scrape, harvest, or extract data from the Service by automated means; (b) copy, reproduce, redistribute, sell, or create derivative works from the Service or its data; (c) reverse engineer, decompile, or attempt to access non-public systems; (d) use the Service for any unlawful, harmful, or fraudulent purpose; (e) misrepresent the Service's information to insurers, providers, employers, or regulators; or (f) interfere with or disrupt the Service. We may suspend or terminate access for any violation.

9. Intellectual property

The Service — including the LucidCare name and logos, its software, design, content, compilations, and pricing and ranking methodologies — is owned by LucidCare, Inc. and protected by intellectual-property laws. All rights are reserved. We grant you a limited, revocable, non-exclusive, non-transferable license to use the Service for your personal, non-commercial purposes, subject to these Terms. Underlying price data is sourced from third-party and public files and used under their respective terms. Standard procedure code sets are used solely as internal keys for matching prices and are never redistributed or displayed; the plain-English procedure names and descriptions are our own.

10. Third-party services and links

The Service relies on third parties — including Vercel (hosting, edge geolocation, and the key-value store behind anonymous counters), the federal Healthcare.gov Marketplace API, Yelp and Google (facility reviews), OpenStreetMap (map tiles), Resend (email), and PostHog (beta-tester product analytics, as described in the Privacy Policy and Beta Terms) — each governed by its own terms and privacy practices. None of them receives your on-device health data. We are not responsible for third-party services or content.

11. Disclaimer of warranties

THE SERVICE AND ALL INFORMATION IN IT ARE PROVIDED "AS IS" AND "AS AVAILABLE," WITH ALL FAULTS AND WITHOUT WARRANTY OF ANY KIND. TO THE FULLEST EXTENT PERMITTED BY LAW, LUCIDCARE DISCLAIMS ALL WARRANTIES, EXPRESS, IMPLIED, OR STATUTORY, INCLUDING THE WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, AND ANY WARRANTY OF ACCURACY, COMPLETENESS, OR UNINTERRUPTED OR ERROR-FREE OPERATION.

12. Limitation of liability

TO THE FULLEST EXTENT PERMITTED BY LAW, LUCIDCARE, INC. AND ITS FOUNDERS, DIRECTORS, OFFICERS, EMPLOYEES, AND AGENTS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, DATA, GOODWILL, OR HEALTHCARE COSTS, ARISING FROM OR RELATING TO YOUR USE OF (OR INABILITY TO USE) THE SERVICE OR ANY RELIANCE ON ITS INFORMATION, WHETHER BASED IN CONTRACT, TORT, OR ANY OTHER THEORY, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. OUR TOTAL AGGREGATE LIABILITY FOR ALL CLAIMS RELATING TO THE SERVICE WILL NOT EXCEED ONE HUNDRED U.S. DOLLARS (US$100). SOME JURISDICTIONS DO NOT ALLOW CERTAIN LIMITATIONS, SO SOME OF THE ABOVE MAY NOT APPLY TO YOU.

13. Indemnification

You agree to indemnify, defend, and hold harmless LucidCare, Inc. and its founders, directors, officers, employees, and agents from any claims, liabilities, damages, losses, and expenses (including reasonable attorneys' fees) arising from your use of the Service, your violation of these Terms, or your violation of any law or third-party right.

14. Dispute resolution; binding arbitration; class-action waiver

Please read this section carefully — it affects your legal rights. You and LucidCare agree that any dispute arising out of or relating to these Terms or the Service will be resolved by binding individual arbitration, rather than in court, except that either party may bring an individual claim in small-claims court or seek injunctive relief for intellectual-property or unauthorized-use matters. You and LucidCare waive any right to a jury trial and to participate in a class, collective, or representative action. Arbitration will be conducted on an individual basis only. If the class-action waiver is found unenforceable, the remainder of this section still applies.

15. Governing law and venue

These Terms are governed by the laws of the State of South Carolina, United States — LucidCare's operating state — without regard to its conflict-of-law rules. Subject to Section 14, the exclusive venue for any permitted court action is the state and federal courts located in South Carolina, and you consent to their jurisdiction.

16. Changes; termination; survival

We may modify these Terms or the Service at any time. Material changes will be announced via in-app notice; continued use after changes constitutes acceptance. We may suspend or terminate the Service or your access at any time. Provisions that by their nature should survive termination — including Sections 4, 5, 9, and 11 through 17 — will survive.

17. General

These Terms, together with the Privacy Policy and (for Beta users) the Beta Terms, are the entire agreement between you and LucidCare regarding the Service and supersede prior understandings. If any provision is held unenforceable, the rest remains in effect. Our failure to enforce a provision is not a waiver. You may not assign these Terms; we may assign them to an affiliate or successor.

18. Contact

Questions? Email legal@lucidcare.app.