Terms of Service

StatCura Medical Inc. (operating via statcura.com, referred to as 'StatCura', 'we', 'our', or 'Service Provider') delivers cloud-based revenue cycle management (RCM) technology, electronic data interchange (EDI) clearinghouse connectivity, and administrative billing automation for independent medical clinics, healthcare practices, and licensed healthcare practitioners (referred to as 'Client', 'Practice', or 'Covered Entity').

The automated services encompass: (a) National Correct Coding Initiative (NCCI) pre-submission claim validation; (b) electronic CMS-1500 and ANSI ASC X12 EDI 837P claim transmission to participating commercial and government payers; (c) automated pre-service patient eligibility and benefit verification (EDI 270/271); (d) autonomous clinical appeal generation for denied claims within payer timely filing windows; and (e) automated Electronic Remittance Advice (ERA 835) ledger auto-posting.

StatCura delivers these services through electronic clearinghouse connections, EHR webhook integrations, and encrypted client portal stations.

Pure Performance Model: StatCura operates strictly on an automated success-based compensation structure. StatCura charges zero upfront onboarding fees, zero user seat charges, and zero recurring monthly software subscriptions.

Routine Claim Performance Fee: StatCura is entitled to a five percent (5.0%) performance fee calculated exclusively on the net insurance reimbursement collected by the Practice on clean claims processed through StatCura.

Aged Denial Recovery Contingency: For previously unworked or denied claims aged sixty (60) to one hundred eighty (180) days uploaded for automated clinical appeal, StatCura charges a twenty percent (20.0%) contingency fee upon successful recovery from the insurance payer.

Zero Collection Guarantee: If an insurance claim is uncollected, denied without recovery, or rejected with zero payer reimbursement, Client owes StatCura exactly zero dollars ($0.00) in service fees for that claim.

Direct Practice Custody: 100% of insurance reimbursements are paid directly by insurance payers into the Practice's designated business bank account via Electronic Funds Transfer (EFT). StatCura never holds, intercepts, or takes custody of patient care reimbursements.

Payment Processing via Stripe: All billing and commission settlements are denominated and executed in United States Dollars ($ USD). Client authorizes StatCura to collect earned performance contingency fees via Automated Clearing House (ACH) direct debit powered securely by Stripe (including tokenized bank routing and account numbers).

NACHA Mandate Authorization: Client grants StatCura an ongoing Electronic Funds Transfer mandate under National Automated Clearing House Association (NACHA) Operating Rules to electronically debit Client's linked bank account for earned contingency fees following confirmed insurance remittances.

Itemized Remittance Statements: Prior to each ACH debit, StatCura publishes a transparent, itemized ledger reconciliation statement in the Practice Portal detailing each reimbursed claim, internal claim reference, payer payment amount, and corresponding commission calculation.

StatCura is a technology and administrative revenue cycle automation platform. StatCura does not provide medical diagnoses, clinical opinions, treatment advice, or patient care.

The Practice and its licensed healthcare practitioners retain full, exclusive responsibility for all clinical decision-making, patient documentation, diagnosis coding (ICD-10-CM), procedure coding (CPT/HCPCS), and medical necessity determination.

StatCura automated scrubbing tools and clinical appeal generation algorithms serve as administrative assistants and do not substitute for professional medical judgement, licensed clinical discretion, or physician oversight.

Compliance with Federal Healthcare Laws: Client explicitly represents, warrants, and covenants that all superbills, encounter documentation, ICD-10 diagnosis codes, CPT procedure codes, and modifiers submitted to StatCura reflect genuine, medically necessary healthcare services actually rendered to bona fide patients by licensed personnel.

False Claims Act Warranty: Client covenants that no submission shall violate the False Claims Act (31 U.S.C. §§ 3729-3733), the Anti-Kickback Statute (42 U.S.C. § 1320a-7b), the Civil Monetary Penalties Law (42 U.S.C. § 1320a-7a), or any state healthcare fraud statute.

Clearinghouse Bridge Status: StatCura transmits data as an electronic intermediary based on provider documentation. Client maintains sole legal accountability for the clinical truthfulness, completeness, and regulatory validity of all billing entries.

Payer Adjudication Discretion: Payer adjudication decisions, pre-payment audits, and medical necessity evaluations remain within the sole discretion of commercial health plans, Medicare Administrative Contractors (MACs), and Medicaid fiscal agents.

Practice Liability for Recoupments: Any post-payment audit, retrospective review, carrier takeback, or clawback initiated by an insurance payer due to provider medical necessity deficiencies, clinical documentation gaps, or provider credentialing issues remains the sole responsibility of the Practice.

Earned Fee Finality: StatCura contingency fees are earned upon initial remittance collection from the payer. Payer takebacks resulting from provider documentation issues shall not create an obligation for StatCura to refund earned performance fees, absent gross negligence or willful misconduct by StatCura.

Practice Defense and Indemnification: Client agrees to defend, indemnify, and hold harmless StatCura, its parent entity, subsidiaries, officers, directors, employees, founders, software architects, and technical agents from and against any and all claims, liabilities, damages, losses, costs, regulatory fines (including CMS, HHS OIG, DOJ, State Medical Board, or UK ICO penalties), and reasonable legal fees arising out of: (a) Client breach of clinical coding warranties; (b) false or inaccurate encounter documentation submitted by Client; (c) Client failure to maintain appropriate provider licenses or NPI credentials; or (d) unauthorized actions of Client staff.

StatCura Indemnification: StatCura agrees to indemnify Client against direct damages awarded in a final court judgment resulting from StatCura intentional infringement of third-party intellectual property rights in the software platform.

Consequential Damages Waiver: In no event shall StatCura, its officers, founders, or technical contractors be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages (including loss of profits, loss of data, payer delays, business interruption, or clearinghouse downtime), regardless of whether StatCura was advised of the possibility of such damages.

Aggregate Liability Ceiling: StatCura total aggregate liability arising under or related to this Agreement, whether in contract, tort (including negligence), statutory breach, or otherwise, shall be strictly capped at the total performance fees actually collected by StatCura from the Practice during the three (3) months preceding the incident giving rise to liability, or one thousand United States Dollars ($1,000.00 USD), whichever amount is less.

Mandatory Binding Arbitration: Any controversy, claim, or dispute arising out of or relating to this Agreement, or the breach, termination, or invalidity thereof, shall be settled exclusively by confidential binding commercial arbitration administered by the American Arbitration Association (AAA) under its Commercial Arbitration Rules, before a single arbitrator in the State of Delaware (or London under LCIA rules for international UK clients).

Class Action Waiver: Client and StatCura explicitly agree that any proceedings to resolve disputes will be conducted solely on an individual basis. Neither party shall seek to have any dispute heard as a class action, collective action, private attorney general action, or in any other proceeding in which either party acts in a representative capacity.

HIPAA BAA Integration: Both parties acknowledge that the provision of services involves Protected Health Information (PHI). The parties explicitly incorporate the StatCura HIPAA Business Associate Agreement (BAA) at statcura.com/baa as a mandatory, binding schedule of this Agreement.

Technical Safeguards: StatCura maintains administrative, physical, and technical safeguards compliant with 45 CFR Parts 160 and 164, including AES-256 encryption at rest and TLS 1.3 in transit.

UK & International Data Protection: To the extent processing involves healthcare data subject to the UK Data Protection Act 2018 or UK GDPR, StatCura operates as a Data Processor acting on behalf of the Practice as Data Controller, adhering to Standard Contractual Clauses (SCCs) and International Data Transfer Addenda.

Month-to-Month Rolling Agreement: This Agreement becomes effective upon electronic acceptance during clinic onboarding and continues on a flexible month-to-month rolling basis.

30-Day Notice: Either party may terminate this Agreement at any time, with or without cause, by providing thirty (30) calendar days prior written notice via email to [email protected] or through Practice Portal settings.

Zero Exit Penalties: StatCura imposes zero cancellation fees, zero data export fees, and zero early termination penalties.

Post-Termination Commission: StatCura remains entitled to earned contingency commissions on insurance claims submitted to payers prior to the effective termination date upon subsequent payer reimbursement.

Data Export and Deletion: Upon written request following termination, StatCura will export all Practice audit logs, claim histories, and ledger statements in standard CSV format and securely purge Practice PHI in accordance with HIPAA data destruction guidelines.

All legal notices, regulatory inquiries, or termination notices under this Agreement shall be addressed to StatCura Operations via email at [email protected] or [email protected] with domain verification at statcura.com.