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Terms of Service

BillAdvocate · version 2026-11-10r5

These Terms are a contract between you and Elite AI Holdings LLC ("we"), which operates BillAdvocate. Effective 2026-11-10r5.

1. We are a venue, not the provider

BillAdvocate is an online marketplace. Advocates are independent businesses who list and perform their own services or offer their own goods or spaces. We are not a party to the agreement between a customer and a advocate, we do not perform, supervise or control the services, and no advocate is our employee, agent or partner. Advocates set their own prices, availability and methods; we show only suggested price ranges.

2. No vetting except where a badge says so

We do not screen, vet, endorse or guarantee any advocate or listing. The only checks we have made are the ones named in a badge on the profile (for example "Identity verified", "License matched registry", "Background check clear", "Insurance verified"), each with its source and date. "On file" means the advocate uploaded it and we did not verify it. You are responsible for deciding whom to hire or buy from.

2a. We do not provide insurance

We are not an insurer and we do not insure any booking, advocate, customer, person, property or vehicle. No refund or dispute process we describe is insurance. If insurance matters for your booking, ask the advocate for proof of their own policy (an "Insurance verified" badge means we checked a certificate).

3. Payments

Payments are processed by Stripe through Stripe Connect. The advocate's Stripe account receives the payment; our service fee (currently 0% buyer fee, 0% seller fee) is added to the buyer's charge or retained by Stripe at payment time as set out at checkout. We do not hold your funds. Stripe's Services Agreement applies to payments and payouts. Sales tax, where it applies, is calculated by Stripe Tax at checkout. Each advocate appoints us as its limited agent solely to accept payment from customers through Stripe: once your payment is completed, your payment obligation to the advocate is satisfied, even if Stripe has not yet paid it out.

4. Disputes and refunds

See the Disputes and Refund Policy.

5. Acceptable use

See the Acceptable Use Policy.

6. Disclaimers

THE SERVICE IS PROVIDED "AS IS". TO THE FULLEST EXTENT PERMITTED BY LAW WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT, AND ANY WARRANTY ABOUT THE QUALITY, SAFETY OR LEGALITY OF ANY LISTING OR SERVICE.

  • BillAdvocate is not a law firm, does not give legal advice and does not represent you in any proceeding.
  • BillAdvocate is not a debt-settlement, debt-relief, debt-management, credit-counseling or credit-repair service. Advocates here do two things only: (1) ask your internet, TV, phone, home-security or software provider for a lower rate on a current bill, and (2) audit a medical bill for errors and write a report and letters that you send yourself. They do not negotiate any balance you owe, past-due bill, collection account, loan, credit card or insurance premium, and they do not contact a medical provider or creditor for you. These services are not offered in every state; the booking page tells you if yours is covered.
  • You can call your provider yourself for free, and you can start the federal No Surprises Act patient-provider dispute process yourself.
  • Sellers may not charge any fee for settling or reducing a debt before a result is obtained and you have agreed to it (16 CFR 310.4(a)(5)).
  • Health information you share is handled under our Privacy Policy. If unsecured health information is breached we notify you, the FTC and (where 500+ residents of a state are affected) the media, without unreasonable delay and within 60 calendar days, as the FTC Health Breach Notification Rule (16 CFR 318) requires. Sellers who are HIPAA covered entities or business associates follow HIPAA instead.
  • Sellers may charge only after they obtain a result, you agree to it in writing, and you have made at least one payment under it; any percentage fee is a share of the savings you actually received.
  • Washington residents: see the Consumer Health Data section of our Privacy Policy (RCW 19.373).
  • Savings are never guaranteed.

7. Limitation of liability

TO THE FULLEST EXTENT PERMITTED BY LAW, WE ARE NOT LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR PUNITIVE DAMAGES, OR FOR ANY ACT OR OMISSION OF A ADVOCATE OR CUSTOMER. OUR TOTAL LIABILITY FOR ANY CLAIM IS LIMITED TO THE GREATER OF THE FEES YOU PAID US IN THE 12 MONTHS BEFORE THE CLAIM OR US$100. These limits do not apply to liability for our fraud, willful injury to a person or property, gross negligence, violation of law, or death or personal injury caused by our negligence, and do not limit any right that applicable law (including the California Consumers Legal Remedies Act) does not allow to be waived. Sections 6 and 7 do not apply to a North Carolina resident's use of a tool on BillAdvocate that prepares a letter or document from the resident's answers, and the resident may bring a claim about it in North Carolina (N.C.G.S. 84-2.2).

8. Indemnity

You will indemnify us against claims arising from your listings, services, content or breach of these Terms, except to the extent caused by our own wrongdoing. A business that engages a advocate through BillAdvocate is solely responsible for that engagement, including classifying the advocate and any employment, tax or safety duty the law places on it, and indemnifies us against claims arising from it.

9. Binding arbitration and class-action waiver

PLEASE READ CAREFULLY. Any dispute between you and us arising from these Terms or the service will be resolved by binding individual arbitration administered by the American Arbitration Association under its Consumer Arbitration Rules, not in court, except that either party may bring an individual claim in small-claims court, and either party may seek injunctive relief for intellectual-property misuse. YOU AND WE WAIVE ANY RIGHT TO A JURY TRIAL AND TO PARTICIPATE IN A CLASS, COLLECTIVE OR REPRESENTATIVE ACTION. We pay AAA filing fees above what you would pay in court for consumer claims under US$10,000, and we pay any fees the AAA invoices to us on time. The Federal Arbitration Act governs this section.

Public injunctive relief. Nothing in this section waives your right to seek public injunctive relief under any law that provides it. Any claim for public injunctive relief is severed and decided by a court, after the individual claims are arbitrated, and is stayed until then. If this sentence is found unenforceable, only the claim for public injunctive relief proceeds in court.

Mass filings. If 25 or more similar demands are filed against us, or by us, by the same or coordinated counsel, the AAA Mass Arbitration Supplementary Rules apply. Each side may select up to 10 demands to proceed first as bellwether cases; the remaining demands are held, and their filing fees are not due, until the bellwether cases are decided. Limitations periods are tolled while demands are held. Either side may ask a court to resolve a dispute about this paragraph. If this paragraph is found unenforceable as to a demand, that demand proceeds in court.

30-day opt-out. You may opt out of this arbitration agreement within 30 days after you first accept these Terms by sending POST /api/marketplace13/legal/arbitration_opt_out while signed in, or by writing to support@eliteaiempire.com or 2010 El Camino Real #2000, Santa Clara CA 95050 with your name, account id and the words "arbitration opt-out". Opting out does not affect any other part of these Terms.

Accessibility

We aim to meet the Web Content Accessibility Guidelines (WCAG) 2.1 Level AA. If any part of BillAdvocate is hard to use with a screen reader, keyboard or other assistive technology, email support@eliteaiempire.com with the page and the problem. We will give you the same information or complete the same task another way, and fix the barrier.

10. Governing law, changes, contact

California law governs, except the FAA governs section 9. If you are a consumer, you also keep the protection of any mandatory consumer law of the state where you live. We will give notice of material changes before they apply; a change to section 9 does not apply to a dispute we already knew of. Contact: Elite AI Holdings LLC, 2010 El Camino Real #2000, Santa Clara CA 95050, support@eliteaiempire.com.