Terms of Use

These terms govern use of the Claims Native website, accounts, and sample workspace. Paid billing work uses the service agreement you accept, if any.

Last updated September 16, 2026. Version 2026-09-16.

1. Agreement

By using claimsnative.com, creating an account, or opening the app, you agree to these terms and the Privacy Policy. If you do not agree, do not use the service.

Atom & Bits, LLC ("we," "us") operates Claims Native. You are the person or organization using it. If you accept for a practice, you confirm you have authority to bind that practice.

2. Two kinds of terms

These Terms of Use cover the website, accounts, and the sample workspace.

A practice service agreement, when we issue one and you accept it, covers the paid scope, fees, start conditions, and cancellation for that practice. A BAA, when signed, covers PHI. If those documents conflict with these terms on the same subject, the service agreement or BAA controls.

Creating an account, exploring the sample, or reading an offer does not start live billing, charge a fee, enroll a payer, or release a claim.

3. The service

Claims Native helps a practice handle insurance work without building its own billing department. Depending on the accepted scope, that can include eligibility checks, coding review against the signed note, claim preparation and filing, acknowledgments, status follow-up, denial work, remittance posting, deposit matching, patient balances, and reporting.

The sample workspace uses fictional patients, notes, and payments. It does not file live claims or touch your EHR.

4. Accounts

You must give an accurate email and keep your password secret. You are responsible for activity under your account. Tell us at [email protected] if you think someone else used it.

We may suspend or close an account that is unused, unsafe, or used in breach of these terms. We may refuse an account at our discretion.

5. Acceptable use

Use Claims Native only for lawful practice operations you are authorized to perform. You may not:

Upload real patient or claim records into the sample workspace.
Share sign-in details, bypass access controls, or probe the service except through a written security review we invite.
Copy, scrape, reverse engineer, or mirror the site or app except as the law allows.
Use the service to submit claims you know are false, uncoded, or unsupported by the record.
Interfere with other customers or our vendors.

6. Practice data and access

You keep ownership of your practice records. You grant us a limited license to host, process, and transmit those records as needed to provide the service you authorized.

For live work you must give us accurate access to the systems named in the agreement (for example an EHR billing user or a clearinghouse enrollment). You must keep that access current and revoke it when the engagement ends.

We do not become the legal owner of your designated record set. We do not replace your EHR.

7. Decisions that stay with you

Your treating provider keeps clinical judgment. A person at your practice acts for a legal act, a clinical judgment, a financial authority, or missing evidence. Agents and software do not supply those decisions.

You choose whether to review each claim before release, unless your accepted agreement grants standing release authority inside a named scope. That authority does not approve a new clinical judgment.

8. No collection or payment promise

We do not promise payer enrollment, network status, claim acceptance, adjudication, payment amount, payment timing, or recovered balances. A clearinghouse acknowledgment is not payer acceptance. A remittance is not a matched deposit until it is matched. A difference does not become a patient bill unless you decide it should.

Website calculators and sample numbers are planning estimates, not promises of revenue.

9. Fees, term, and cancellation

Fees, start conditions, and the term for paid work are in the service agreement you accept. There is no public default price.

If that agreement is silent on cancellation, either party may end the paid service with 30 days' written notice. You remain responsible for fees earned and work in flight through the notice period. We will return or delete PHI as the BAA requires after the engagement ends.

We may stop the sample workspace or a free preview at any time.

10. Website materials

The site, app, copy, and software are owned by us or our licensors. We grant you a limited, revocable, non-transferable license to use them for your internal practice operations. This is a license, not a sale.

You may not copy the materials for a public presentation, remove notices, or host a mirror. The license ends if you breach these terms or when your account ends. Then you must stop using the materials.

11. Third-party services and links

The product may connect to your EHR, a clearinghouse, payers, email, hosting, identity, and analytics vendors. Their terms apply to their services. We are not responsible for a site we link to. A link is not an endorsement.

12. Disclaimers

The website, sample workspace, and (except as a signed service agreement expressly states) the live product are provided "as is." We disclaim warranties of merchantability, fitness for a particular purpose, and non-infringement, to the extent the law allows.

We do not warrant that materials are complete, current, or error-free, or that use will produce a particular collection result. This product is not coding, billing, legal, or reimbursement advice.

13. Limitation of liability

To the extent the law allows, we and our suppliers are not liable for lost profits, lost data, lost collections, business interruption, or indirect, incidental, special, or consequential damages, even if we were told they were possible.

Our total liability for a claim arising out of the website or an account is limited to the fees you paid us for Claims Native in the three months before the claim, or $100 if you paid no fees.

Some jurisdictions do not allow these limits. They apply only to the extent permitted. This section does not limit liability that the law says we cannot limit.

14. Indemnity

You will defend and indemnify us against claims, damages, and expenses (including reasonable legal fees) that arise from your misuse of the service, your practice's claims or records, or your breach of these terms or an accepted agreement, except to the extent caused by our willful misconduct.

15. Governing law

These terms are governed by the laws of the State of Tennessee, without regard to conflict-of-law rules. Exclusive venue is the state or federal courts in Hamilton County, Tennessee, unless a signed service agreement names a different forum.

16. Changes

We may update these terms by posting a new version on this page. Continued use after the new date is acceptance of the new terms, except that an accepted service agreement changes only as that agreement allows.

17. Contact

Atom & Bits, LLC

Chattanooga, Tennessee

[email protected]