Introduction

UNI CLAIMS ("Company," "we," "us," or "our") operates the UNI CLAIMS platform. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website and use our services.

Please read this Privacy Policy carefully. If you do not agree with our policies and practices, please do not use our services. By accessing and using UNI CLAIMS, you acknowledge that you have read, understood, and agree to be bound by all the terms of this Privacy Policy.

1. Information We Collect

1.1 Information You Provide Directly

• Account Registration: Name, email address, phone number, company name, job title, and password
• Healthcare Claims Data: Patient information (de-identified), claim amounts, diagnoses, procedures, and treatment dates
• Communication: Messages, emails, and support requests submitted through our platform
• Payment Information: Billing address, payment method details (processed securely through third-party providers)
• Profile Information: Organization details, user preferences, and system settings

1.2 Information Collected Automatically

• Device Information: IP address, browser type, operating system, and device identifiers
• Usage Data: Features accessed, time spent on platform, pages viewed, and search queries
• Cookies and Tracking Technologies: Session cookies, analytics cookies, and similar technologies
• Log Files: Access logs, error logs, and system activity records

1.3 Information from Third Parties

We may receive information about you from:

• Healthcare providers and insurance companies you work with
• Business partners and integrations (with your consent)
• Publicly available sources for verification purposes

2. How We Use Your Information

We use the information we collect for the following purposes:

• Providing and maintaining our healthcare claim management platform
• Processing and fulfilling your requests and transactions
• Sending administrative and transactional communications
• Improving, personalizing, and optimizing our services
• Detecting, preventing, and addressing fraud and security issues
• Complying with legal obligations and regulatory requirements
• Conducting research, analytics, and system performance monitoring
• Sending marketing communications (with your consent)
• Enforcing our Terms of Service and other agreements

3. How We Share Your Information

We do not sell your personal information. However, we may share your information in the following circumstances:

Service Providers

We share information with third-party service providers who assist us with cloud hosting, payment processing, customer support, and analytics services.

Business Partners

With your explicit consent, we share de-identified data with healthcare partners to facilitate claim processing and interoperability.

Legal Compliance

We may disclose your information when required by law or when we believe disclosure is necessary to comply with legal obligations, enforce our agreements, or protect the rights and safety of our company, users, and the public.

4. Data Security

We implement comprehensive security measures to protect your information:

• Encryption: All data in transit is encrypted using TLS 1.2 or higher
• Data Encryption at Rest: Sensitive information is encrypted in our databases
• Access Controls: Role-based access controls limit data exposure
• Firewalls and Intrusion Detection: Network-level security protections
• Regular Security Audits: Periodic penetration testing and vulnerability assessments
• Employee Training: Mandatory security and privacy training for all staff
• HIPAA Compliance: Full compliance with HIPAA Security Rule requirements

While we implement robust security measures, no system is completely secure.

5. Data Retention

Healthcare claims data is typically retained for 7-10 years in accordance with healthcare industry standards and regulatory requirements. Account information is retained for the duration of your relationship with us. You can request deletion of your account by contacting privacy@uniclaims.in.

6. Your Privacy Rights

Depending on your location, you may have rights to access, correct, delete, or opt out of the processing of your personal information. To exercise these rights, please contact us at privacy@uniclaims.in.

7. HIPAA Compliance

UNI CLAIMS is a HIPAA-compliant healthcare platform. We maintain a Business Associate Agreement (BAA) with healthcare organizations using our services. Healthcare information is protected under HIPAA's Privacy, Security, and Breach Notification Rules. For HIPAA-specific inquiries, please contact compliance@uniclaims.in.

8. Contact Us

If you have questions about this Privacy Policy, please contact us:

1. Acceptance of Terms

These Terms of Service ("Terms") govern your use of the UNI CLAIMS platform ("Service"), operated by UNI CLAIMS ("Company," "we," "us," or "our").

By accessing and using UNI CLAIMS, you acknowledge that you have read, understood, and agree to be bound by these Terms. If you do not agree to any part of these Terms, you must not use our Service. Your continued use of the Service constitutes your acceptance of these Terms.

2. Use License

We grant you a limited, non-exclusive, non-transferable, revocable license to access and use the UNI CLAIMS platform for your authorized healthcare claim management purposes, subject to these Terms and our Privacy Policy.

You agree NOT to:

• Reproduce, duplicate, copy, or resell any portion of our Service
• Attempt to gain unauthorized access to our systems or networks
• Transmit viruses, malware, or any code of destructive nature
• Use the Service to process data for purposes other than healthcare claims management
• Share your account credentials with unauthorized third parties
• Violate any applicable laws, regulations, or healthcare compliance requirements
• Engage in any form of automated access without written permission

3. User Responsibilities and Obligations

Account Registration

You are responsible for maintaining the confidentiality of your account credentials and password. You agree to provide accurate, current, and complete information during registration and to keep this information updated. You are solely responsible for all activities that occur under your account.

Data Accuracy and Quality

You represent and warrant that all healthcare claims data and information you submit to the Service is accurate, complete, lawful, and does not violate any third-party rights or applicable healthcare regulations including HIPAA.

Compliance with Healthcare Laws

You agree to comply with all applicable healthcare laws, regulations, and industry standards, including but not limited to HIPAA, state privacy laws, and healthcare data protection requirements.

4. Healthcare Claims Processing

The UNI CLAIMS platform provides automated processing and analysis of healthcare claims. While we employ advanced AI and machine learning technologies, the Service is provided "AS IS" without warranties as to accuracy, completeness, or suitability for specific claims.

You acknowledge that:

• Final claim decisions remain the responsibility of authorized healthcare personnel
• Our analysis and recommendations are advisory in nature
• You are responsible for independent verification of all processing outcomes
• The Service does not replace professional medical or claims review judgment

5. Fees and Billing

Pricing for our Service is as published on our website. By subscribing, you authorize us to charge your provided payment method for the applicable fees. You are responsible for all applicable taxes and fees.

Terms:

• All pricing is in USD unless otherwise specified
• Monthly subscriptions renew automatically unless canceled
• Cancellation may be made anytime before the renewal date
• Refunds are not provided for partial monthly usage
• We reserve the right to modify pricing with 30 days' notice

6. Intellectual Property Rights

All content, software, features, and functionality of the UNI CLAIMS platform, including but not limited to text, graphics, logos, images, AI models, and algorithms, are the exclusive property of UNI CLAIMS or its licensors and are protected by copyright, trademark, and other intellectual property laws.

You may not copy, modify, distribute, or transmit any content without our express written permission. Your use of the Service does not grant you ownership of any intellectual property rights therein.

7. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, UNI CLAIMS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING LOSS OF PROFITS, DATA, OR BUSINESS INTERRUPTION, ARISING FROM YOUR USE OF OR INABILITY TO USE THE SERVICE.

Our total liability for any claim related to the Service shall not exceed the fees you paid in the 12 months preceding the claim. Some jurisdictions do not allow limitation of liability, so this provision may not apply to you.

8. Disclaimer of Warranties

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED. WE DISCLAIM ALL WARRANTIES, INCLUDING BUT NOT LIMITED TO MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

We do not warrant that the Service will be uninterrupted, error-free, or that defects will be corrected. We do not guarantee the accuracy, completeness, or reliability of any content or information obtained through the Service.

9. Data Security and Breach Notification

We implement industry-standard security measures to protect your data. However, no security system is impenetrable. We maintain HIPAA-compliant breach notification procedures and will notify you of any unauthorized access to personal health information as required by law.

You are responsible for maintaining backup copies of your data. We are not liable for any loss or corruption of data stored on our platform.

10. Termination

Either party may terminate your use of the Service at any time, for any reason or no reason. We may terminate or suspend access immediately if we believe you are violating these Terms or any applicable laws.

Upon termination:

• Your right to use the Service immediately ceases
• Your account and data may be deleted after 30 days
• Any outstanding fees remain due and payable
• Sections that by their nature should survive termination will survive

11. Indemnification

You agree to indemnify and hold harmless UNI CLAIMS and its officers, directors, employees, and agents from any claims, damages, losses, and expenses (including attorney's fees) arising from your use of the Service, your violation of these Terms, or your infringement of any third-party rights.

12. Modifications to Terms and Service

We reserve the right to modify these Terms at any time. Material changes will be communicated to you via email or through the Service. Your continued use of the Service after such modifications constitutes your acceptance of the updated Terms.

We also reserve the right to modify or discontinue the Service or any portion thereof, with or without notice. We are not liable to you or any third party for any modification, suspension, or discontinuation of the Service.

13. HIPAA Business Associate Agreement

For healthcare organizations subject to HIPAA, UNI CLAIMS will maintain a Business Associate Agreement (BAA) in addition to these Terms. In the event of any conflict between this Agreement and the BAA, the BAA will control with respect to protected health information (PHI) as defined under HIPAA.

Both you and we acknowledge our respective obligations under HIPAA's Privacy, Security, Breach Notification, and Enforcement Rules.

14. Governing Law and Dispute Resolution

These Terms are governed by and construed in accordance with the laws of India, without regard to its conflicts of law principles. You agree to the exclusive jurisdiction of the courts located in Bangalore, India.

Before initiating formal legal proceedings, you agree to first attempt to resolve any disputes through good faith negotiation. If negotiation fails, disputes may proceed to arbitration or litigation as appropriate.

15. Entire Agreement

These Terms, together with our Privacy Policy and any other policies or terms we publish, constitute the entire agreement between you and UNI CLAIMS regarding your use of the Service. These Terms supersede all prior agreements, understandings, and negotiations.

If any provision of these Terms is found to be invalid or unenforceable, that provision will be modified to the minimum extent necessary to make it enforceable, and the remaining provisions will remain in full force and effect.

16. Contact Information

If you have questions about these Terms of Service, please contact us: