Terms of Service

Last updated: July 26, 2026

These Terms govern your use of the CommonHealth application for iPhone ("the App"), provided by B2Gaudio ("we," "our"). By using the App you agree to them. If you do not agree, please do not use the App.

1. What the App is

CommonHealth reads a health-insurance denial letter and your supporting records, finds the rules that appear to apply, and drafts an appeal letter for you to review, edit, and send. It is a drafting aid — the equivalent of a very well-read friend helping you put your case in writing.

2. What the App is not

• It is not legal advice. We are not your attorney. Using the App creates no attorney–client relationship and nothing it produces is privileged. Insurance appeals can have legal consequences; if your situation is complex, high-value, or time-critical, consult a licensed attorney or your state's consumer-assistance program.
• It is not medical advice. The App does not diagnose, treat, or recommend care, and it is not a substitute for your doctor. Decisions about your treatment belong with you and your clinician.
• It is not your insurer, and it is not affiliated with any insurer or government agency. Insurer names appear only to identify whose policy applies to your denial.
• It does not submit anything. The App cannot and does not file an appeal on your behalf. Nothing is sent anywhere until you send it.

3. Your responsibilities

The App produces a draft from what it reads. You are responsible for what you actually send.

• Read the whole letter before you send it. Check every fact and date against your own records.
• Resolve the flags. When the App marks something for you to check, check it. Those flags exist because an automated verifier found a claim it could not support.
• Confirm your deadline. Filing deadlines are the single most common reason an appeal fails. The App may calculate or estimate a deadline from your letter, and it marks estimates as estimates — the deadline printed on your denial letter governs, and confirming it is your responsibility.
• Confirm where to send it. The App shows the appeals address it read from your letter. Verify it against the letter itself before mailing.
• Keep copies of everything you send and note the date you sent it.

4. Accuracy, AI, and cited sources

The App uses AI models running on your device to read documents and write the draft. It also runs an independent automated check over that draft and blocks statements it cannot trace to a source you confirmed. These safeguards reduce mistakes; they do not eliminate them. AI systems can misread a document and can produce confident, well-formed text that is wrong.

The App cites real policies and regulations from a library bundled with it. Insurers change their medical policies without notice, and laws change. A citation reflects our copy of that document as of the version you installed, and may not reflect the current text.

5. No guarantee of outcome

We do not promise that an appeal written with the App will be granted, reviewed favourably, or accepted as complete. Coverage decisions are made by your insurer and, on external review, by an independent reviewer. Many factors are outside the App's knowledge and outside our control.

6. Eligibility

You must be at least 18 and legally able to enter into these Terms. You may use the App to help a family member or someone you care for, provided you have their permission or the legal authority to act for them, and you are responsible for handling their information appropriately.

7. Your information

Your documents and health information stay on your device. See the Privacy Policy for exactly what is stored, what is encrypted, and the complete list of what leaves your phone. Because we never receive your information, we cannot recover it for you — if you delete the App or lose the device, saved appeals are gone.

8. Acceptable use

• Use the App for your own appeal, or for someone you are authorised to help.
• Do not submit information you know to be false, and do not use the App to make a claim you know to be untrue. An appeal containing statements you know are false can carry serious consequences.
• Do not attempt to reverse-engineer, resell, or redistribute the App or the policy library bundled with it. Portions of that library are copyrighted by their publishers and are included for citation, not redistribution.

9. Disclaimer of warranties

The App is provided "as is" and "as available", without warranties of any kind, express or implied, including merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that the App will be uninterrupted, error-free, or that its output will be accurate or complete.

10. Limitation of liability

To the fullest extent permitted by law, B2Gaudio is not liable for any indirect, incidental, special, consequential, or punitive damages, or for any denied claim, missed deadline, lost coverage, or medical or financial loss arising from your use of the App. Our total liability for any claim relating to the App will not exceed the amount you paid for it.

Some jurisdictions do not allow certain limitations, so parts of this section may not apply to you.

11. Changes to the App and these Terms

We may update the App and these Terms. The date at the top reflects the current version, which is always published here. Continuing to use the App after a change means you accept the updated Terms.

12. Governing law

These Terms are governed by the laws of the Commonwealth of Kentucky, without regard to its conflict-of-laws rules. Nothing here limits any right you have under consumer-protection law that cannot be waived.

13. Contact

Questions about these Terms: b2gaudio@gmail.com