Your Agreement Deserves Terms You Can Understand

These are the terms that govern your use of Providerclaimconnect's platform and website.

We've written them in plain language because we believe you shouldn't need a law degree to understand a service agreement. (If you do find something confusing, email us at contact@providerclmconnect.com and we'll explain it.)

1. What You're Agreeing To

By creating an account on the Providerclaimconnect platform — or by using our website at providerclmconnect.com — you agree to these terms.

"The platform" refers to our claims submission portal, including the pre-submission validation engine, multi-carrier routing system, remittance reconciliation dashboard, analytics tools, and any APIs or integrations we provide to connect with your practice management software.

"We," "us," and "our" mean Providerclaimconnect Inc., incorporated in Alberta, Canada, with offices at 637 3 Avenue NW, Calgary, Alberta T2N 0E4.

"You" and "your" mean the healthcare provider, clinic, practice, or authorized representative who creates or manages an account.

These terms apply to all three of our service tiers — Solo ($149/month), Clinic ($379/month), and Network (custom pricing) — unless a specific provision states otherwise.

2. Your Account and Responsibilities

You are responsible for keeping your login credentials secure.

That means choosing a strong, unique password, not sharing it with people outside your authorized billing team, and notifying us immediately (within 24 hours, please) if you suspect unauthorized access to your account.

You are also responsible for the accuracy of the information you submit through the platform — practitioner license numbers, patient data, diagnosis codes, procedure codes, and billing amounts. Our pre-submission validation engine checks 1,200+ carrier-specific rules and catches a remarkable number of errors, but we cannot verify clinical accuracy. That responsibility remains with your practitioners and your clinic's billing staff.

You agree not to use the platform to submit fraudulent claims, misrepresent services rendered, or circumvent carrier adjudication rules. We take this seriously. So do the carriers. So does the law.

3. What We Promise to Deliver

We promise to operate the platform with an uptime target of 99.95% — measured monthly, excluding scheduled maintenance windows (which we announce at least 48 hours in advance via email and in-platform notification).

We promise to route your claims to the correct carrier in the correct format — whether that's EDI 837P, EDI 837D, CDAnet, or a proprietary carrier API — based on the payer information you provide.

We promise to maintain current provincial fee guides across all 14 provinces and territories, updating them within 48–72 hours of official publication by the relevant regulatory body.

We promise to process returning remittance advice (ERA 835, carrier EOBs) and make it available in your dashboard for reconciliation.

We promise to protect your data with TLS 1.3 encryption in transit, AES-256 encryption at rest, and storage exclusively in SOC 2 Type II-certified Canadian data centres located in Calgary and Toronto — no exceptions, no US cloud regions, no "data may be transferred" ambiguity.

Network-tier clients: your service level agreement includes specific uptime guarantees and remedies. Those are documented in your individual service agreement and supersede the general uptime target stated here.

4. What We Don't Promise

We need to be clear about what we are and what we are not.

We are a claims routing and management platform. We are not an insurance company. We do not underwrite policies, adjudicate claims, or make coverage decisions. Those decisions are made by carriers — Sun Life, Manulife, Canada Life, provincial health ministries, WCBs, and others.

We are not a medical provider. The information on our website and within the platform is for operational and educational purposes. It does not constitute medical advice, clinical guidance, or diagnostic recommendation.

We do not guarantee that every claim submitted through the platform will be accepted by the target carrier. Our 96.7% first-pass acceptance rate is a platform-wide average based on historical data. Your actual acceptance rate depends on the accuracy of the clinical and billing data you submit, the specific benefit plans your patients hold, and each carrier's adjudication rules — factors outside our control.

Fee estimates, reimbursement projections, and revenue impact figures referenced anywhere on our website or within the platform are estimates. Actual results vary based on carrier adjudication decisions, benefit plan specifics, and provincial fee guide changes.

5. Pricing, Billing, and Cancellation

This is the section people usually dread. We've made it simple on purpose.

Monthly billing. We charge your payment method on the same calendar date each month as your original subscription date.

No annual contracts. We don't offer them, and we don't want to. Annual contracts create lock-in, and lock-in reduces our incentive to keep earning your business every single month.

Cancel from your dashboard anytime. No cancellation fees. No 30-day notice requirement. No phone call required. No guilt trip from a retention specialist. The cancel button is in Account Settings → Subscription → Cancel Plan. We timed it once: 14 seconds from login to confirmation. (That's a feature, not a bug.)

No hidden fees. The prices listed on our website — $149/month for Solo, $379/month for Clinic, custom for Network — are the prices you pay. No setup fees, no per-claim surcharges, no carrier pass-through costs, no annual price escalation clauses.

Volume overages. If you consistently exceed your plan's monthly claim volume (400 for Solo, 3,000 for Clinic), we'll reach out to discuss a plan upgrade — not surprise you with overage charges. We'll always give you at least one full billing cycle of notice before any change takes effect.

Price changes. If we ever change our pricing (which we haven't since 2021, for the record), we will give you 60 days' written notice. The new price applies to your next billing cycle after the 60-day notice period. If you disagree with the change, cancel before it takes effect — no penalty.

6. Your Data — Ownership and Portability

Your data is yours. Full stop.

All patient data, claim records, remittance history, practitioner information, and analytics generated from your practice's activity belong to you. We do not claim ownership, licensing rights, or any other intellectual property interest in your data.

If you cancel your subscription and want your data exported, we will provide a complete export in a standard, machine-readable format (CSV and JSON) within 5 business days of your request. No charge for the export. No artificial delay. No "we'll get back to you."

After cancellation, we retain your data for 90 days in case you change your mind and want to reactivate. After 90 days, we permanently and irreversibly delete it from our systems — including backups — unless you've requested an earlier deletion or unless we're required by law to retain specific records (which we will explain to you in writing if it applies).

We use anonymized, aggregated platform-wide data — stripped of all personally identifying information — to generate benchmark statistics (like our platform-wide 96.7% first-pass acceptance rate) and to improve the validation engine's rule set. This aggregate data cannot be traced back to your practice or your patients. If you're uncomfortable even with this, let us know and we'll exclude your data from aggregation.

7. Our Intellectual Property

The platform itself — the software, the validation engine's 1,200+ rules, the 47+ carrier integration connectors, the routing algorithms, the user interface design, and all associated documentation — is the intellectual property of Providerclaimconnect Inc.

Your subscription gives you a non-exclusive, non-transferable right to use the platform for your practice's legitimate claims management needs. You may not reverse-engineer, decompile, or attempt to extract the source code. You may not resell platform access to third parties or use the platform to operate a competing claims routing service.

Our name, logo, "PCC" monogram, and the phrase "One portal, every carrier, every province" are trademarks of Providerclaimconnect Inc. Please don't use them without written permission — not because we're litigious, but because brand consistency matters when you're handling protected health information.

8. Limitation of Liability

We stand behind our platform. But we also need to be realistic about the limits of our responsibility.

Our total liability to you for any claims arising from your use of the platform — regardless of the legal theory — is capped at the total amount you've paid us in the 12 months preceding the claim. If you've been a customer for less than 12 months, the cap is the total amount you've paid us to date.

We are not liable for indirect, incidental, consequential, or punitive damages — including lost revenue from denied claims, lost patients, business interruption, or reputational harm — even if we've been advised that such damages are possible.

We are not liable for carrier adjudication decisions, fee guide changes made by provincial regulatory bodies, or changes to benefit plan coverage made by insurers. We route and format claims; we don't decide what gets paid.

We are not liable for losses arising from your failure to maintain accurate practitioner credentials, correct patient information, or valid login security — responsibilities outlined in Section 2.

9. Dispute Resolution

If a dispute arises between us, here's how we'd like to handle it — and honestly, we hope this section never becomes relevant.

Step 1: Good-faith conversation. Before anything formal, contact us at contact@providerclmconnect.com or call (702) 343-8317. Explain the issue. Give us 15 business days to investigate and propose a resolution. Most issues — in our experience — resolve at this stage with a phone call and some mutual good faith.

Step 2: Mediation. If we can't resolve it informally, either party may request mediation through a mutually agreed-upon mediator in Calgary, Alberta. We'll split the mediator's fees 50/50.

Step 3: Arbitration or litigation. If mediation doesn't resolve the dispute, it shall be submitted to the exclusive jurisdiction of the courts of the Province of Alberta, sitting in Calgary. These terms are governed by and construed in accordance with the laws of Alberta and the federal laws of Canada applicable therein.

We will not pursue legal action against a subscriber without first completing Steps 1 and 2 above. We ask you to extend us the same courtesy.

10. Changes to These Terms

We may update these terms from time to time — usually because regulations change, new features launch, or our legal counsel finds something worth clarifying.

For material changes — anything that affects your rights, obligations, pricing, or data handling — we will provide at least 30 days' written notice via email to the address associated with your account. We'll clearly describe what's changing and why.

For non-material changes (fixing a typo, clarifying existing language, updating a section reference), we'll update the "Last updated" date at the top of this page and note the change in a revision log. No email notification for these.

Your continued use of the platform after a material change takes effect constitutes acceptance. If you disagree with a material change, you may cancel your subscription before the effective date without penalty — as always.

We maintain a version history of these terms. If you'd like to see previous versions, email contact@providerclmconnect.com and we'll send them over.

Questions about anything in this agreement? Contact us at contact@providerclmconnect.com or call (702) 343-8317. We'll explain any provision in plain English — because that's the only kind of English we use.