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Draft, pending attorney review. This page is published so you can see exactly what we intend and how we got there, including the open questions marked below — it is not yet final.

Terms of Service

Last updated: September 6, 2026

These terms are an agreement between you and Halden ("we," "us"). By using Halden, you agree to them. If you don't agree, please don't use it.

We've kept this readable. The parts that limit our responsibility are in plain language, not buried.

The three things that matter most

  1. Everything we give you is an estimate, not a decision. Only your health plan can decide what it will pay. Only your clinic can tell you what it will charge.
  2. We are not your lawyer, your doctor, your accountant, or your insurance agent. We give you information and tools. You make the decisions.
  3. If you file an appeal, you file it. We can help you understand your rights and organize your facts. You review everything, and you send it under your own name.

1. What this service is

Halden asks you questions about your situation and runs the answers through a rules engine built on published sources: state fertility mandate statutes, insurer medical policies, IRS Publication 502, medication list prices, and clinic price data. It produces an estimated out-of-pocket cost range by phase of treatment, an estimate of whether a state mandate likely applies to your plan, the decisions that tend to move the number most, and the questions worth asking your clinic and your HR department.

Later versions may help you check bills against your Explanation of Benefits and organize an appeal of a denial.

2. Estimates are estimates

Our numbers are estimates. They are not quotes, offers, guarantees, or decisions.

Every number we show is a range, on purpose. The range is wide when we know less about your situation and narrower when we know more. Even the narrow ones are estimates.

Our coverage output tells you what a rule appears to require for a plan like yours. It is not a decision by your insurer, and it is not a promise of benefits. Only your health plan can decide what it will pay, and it decides after you file a claim. A plan can deny something a state mandate appears to require. Plans do this routinely, which is why we tell you about appeal rights.

Costs we cannot know in advance and therefore cannot promise: what your clinic will actually charge; how many medication vials your protocol will actually need; whether your cycle is cancelled or converted; whether you need more than one cycle; what your plan applies to your deductible; what a lab bills separately.

The rules change. State mandates take effect at plan renewal, insurers revise medical policies, drug prices move. Every claim we make carries its source and the date we last verified it. Anything older than 180 days is labeled. Verify anything that matters with your plan and your clinic before you rely on it.

ATTORNEY REVIEW: Is this disclaimer sufficiently conspicuous, given that we charge for the paid plan? Should key parts appear on the result page itself and not only here? Consider whether any state's consumer protection statute requires pre-purchase disclosure of the estimate's limitations, and whether the $39 price makes us subject to any negative-option or auto-renewal rule (we do not auto-renew).

3. Not professional advice

We are not licensed to give, and do not give:

ATTORNEY REVIEW: Confirm the "not an insurance producer / public adjuster / navigator" position holds in every state we serve, particularly once the Ledger tier helps users challenge claim denials for a fee. Several states define "public adjuster" broadly enough to reach paid assistance with claim disputes, and some regulate for-fee claims assistance separately from insurance producing. Identify any state where we need a license, a disclosure, or a carve-out, and whether the fee model (flat, pre-paid, not contingent on recovery) is what keeps us outside those definitions.

4. Appeals: you write it, you review it, you send it

If the service ever helps you prepare an appeal of a denied claim, this is the deal, and it is not negotiable:

ATTORNEY REVIEW: This is the unauthorized-practice-of-law question, and it is the highest-risk item in this document. Confirm the framing — self-help materials the user completes and files themselves, no individualized legal judgment applied to their facts, no representation — holds in every state where we accept customers. Review against the approaches used by Fight Health Insurance and Counterforce Health. Specifically: does any AI-drafted, individualized appeal argument cross from "template" into "advice applied to particular facts"? If it might, we should constrain the generation, add a state-by-state review, or both. Also confirm whether we should carve out specific states entirely for this feature.

ATTORNEY REVIEW: Confirm whether any state requires a specific written disclaimer, in specified wording or type size, on self-help legal materials sold to consumers. Several states regulate "legal document preparers" and "immigration consultants" this way; check whether any analogous rule reaches insurance appeal self-help.

5. No outcome guarantees

We do not promise, and could not promise:

Anyone in this space who promises you an outcome is not being honest with you.

6. Your responsibilities

7. Payment

The Full Guide is a one-time payment. There is no subscription and nothing auto-renews. Stripe processes the payment; we never see your card number.

Refunds: if the plan isn't useful to you, email support@[DOMAIN] within 14 days and we will refund you. No explanation required.

Your paid plan link stays live for 30 days, during which you can edit your inputs and regenerate it. After that it is deleted, as described in the Privacy Policy. Save or print your PDF.

ATTORNEY REVIEW: Confirm the refund window and whether any state requires a specific refund disclosure at point of sale. Confirm the 30-day expiry is disclosed pre-purchase on the checkout page, not only here.

8. No referral fees

We do not take referral fees, commissions, or kickbacks from clinics, pharmacies, lenders, or benefits vendors. We don't get paid based on where you go or what you choose. If we ever accept sponsorship, it will be a flat fee, it will be labeled on the page where it appears, and it will never change what our engine outputs. There is none today.

ATTORNEY REVIEW: Confirm this commitment against federal and state patient-brokering and fee-splitting statutes before any sponsorship or affiliate arrangement is entered into, including with fertility lenders. Some state patient-brokering laws reach payments for patient referrals even between non-licensees.

9. Our content

The site, the engine, the rules data, and the text are ours, protected by copyright. You may use, print, and share your own plan — with your partner, your clinic, your HR department, whoever you like. You may not republish our data or content commercially.

10. Third-party links

We link to statutes, insurer policies, IRS guidance, grant programs, and financing companies so you can check our work. We don't control those sites and we're not responsible for them.

11. The service comes as-is

We work hard on accuracy — every rule cites its source and its date — but we cannot guarantee the service is always accurate, complete, current, or available. The service is provided "as is" and "as available," without warranties of any kind, express or implied, including any implied warranties of merchantability, fitness for a particular purpose, and non-infringement, to the fullest extent the law allows.

12. Limitation of liability

To the fullest extent permitted by law:

Some states do not allow these limits. If you live in one, they apply to you only as far as that state allows, and nothing here limits liability for our own fraud, gross negligence, or willful misconduct, or any liability that cannot be limited by law.

ATTORNEY REVIEW: A $100/amount-paid cap against a product that influences $40,000–$60,000 decisions may be found unconscionable, particularly for the free tier where the user paid nothing. Advise on the defensible cap and whether it should differ between free and paid users. Confirm the carve-outs are adequate, and confirm whether the disclaimer and cap need conspicuous formatting (bold, capitals, or separate acknowledgment) to be enforceable in our chosen governing-law state.

13. Indemnity

If someone brings a claim against us because of how you used the service — for example, because of something you submitted to an insurer — you agree to cover our reasonable costs in dealing with it. This does not apply to claims caused by our own wrongdoing.

ATTORNEY REVIEW: Confirm a consumer-facing indemnity is enforceable and worth keeping. It is often struck or heavily narrowed in consumer contracts and can read as aggressive to exactly the audience we are trying to earn trust from. Recommend either narrowing it to specific conduct or dropping it; advise.

14. Changes

We may update the service and these terms. If a change is material, we will post it here with a new date and, if we have your email, tell you before it takes effect. Continuing to use the service after that means you accept the new terms.

15. Ending it

You can stop using the service any time, and delete your data in one click. We may suspend access if someone abuses the service or breaks these terms.

16. Governing law and disputes

These terms are governed by the laws of [STATE], without regard to its conflict-of-laws rules. Any dispute will be brought in the state or federal courts located in [COUNTY, STATE], and we each consent to that.

Nothing here stops you from bringing a claim in small claims court, or from filing a complaint with the FTC, your state Attorney General, or your state Department of Insurance.

Decision made 2026-09-06 (founder, not counsel): no arbitration clause or class-action waiver, deliberately, accepting the resulting court/class-action exposure in exchange for lower friction and reputational cost with a vulnerable-user product. Still needs attorney confirmation before launch: that this is worded correctly and that nothing about the rest of these terms inadvertently limits a consumer's right to litigate in a way that functions like arbitration without saying so. Governing law and venue are still unfilled — need a real answer, not a best guess (they should track wherever the entity is actually formed).

ATTORNEY REVIEW: Confirm the venue clause is enforceable against consumers in states that restrict forum selection in consumer contracts.

17. Odds and ends

If a court finds part of these terms unenforceable, the rest still applies. Our not enforcing something once doesn't waive it. These terms plus the Privacy Policy and the Consumer Health Data Privacy Policy are the whole agreement between us.

18. Contact

support@[DOMAIN] Halden, [MAILING ADDRESS]

References

Verified 2026-09-06.