Last Updated: 06-21-2025
Please read these Terms of Use ("Terms") carefully before using the services offered by Destiny Labs LLC d/b/a Honest Care ("Honest Care," "we," "us," or "our"). These Terms govern your access to and use of our websites, applications, content, and other products and services (collectively, the "Services"). By accessing or using our Services, you agree to be bound by these Terms and our Privacy Policy.
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These Terms constitute a legal agreement between you and Honest Care. By accessing or using the Services, you confirm your acceptance of and agreement to be bound by these Terms. If you do not agree, do not use the Services.
We may amend these Terms at any time. Changes will be effective upon posting. Your continued use constitutes acceptance of those changes.
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Honest Care does not provide medical advice or act as a medical provider. Our Services, including any generated content such as appeal letters, are for informational purposes only. They do not substitute for professional medical advice, diagnosis, or treatment. You should consult your physician or other healthcare providers with any medical questions.
Use of our Services does not establish a provider-patient relationship. If you are experiencing a medical emergency, call 911 immediately.
Honest Care is not a healthcare provider or health plan, and is therefore not a HIPAA-covered entity under federal law. However, we are committed to protecting the privacy and security of user-submitted health information and use technical safeguards, including HIPAA-compliant tools, where appropriate.
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You must be at least 18 years old and reside in the United States or its territories to use our Services. By using the Services, you represent and warrant that you meet these requirements.
You may create or manage an account, complete an Assessment, and submit an appeal on behalf of another individual (for example, a spouse, dependent, or family member) only if you have that individual’s express permission or other applicable legal authority to act for them. When you act as an authorized representative:
You may not create an account for, or submit information about, any person for whom you do not have such authorization, and you must not otherwise impersonate any person or misrepresent your identity to Honest Care.
You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account.
Honest Care relies entirely on the information you provide. While users are encouraged to provide accurate and complete information to improve the quality of the appeal, Honest Care understands that some users may inadvertently omit or misstate facts. Users are responsible for reviewing and editing the final appeal letter and supporting documents before submission. Honest Care is not liable for any resulting loss, denial of coverage, or errors stemming from the information you provide.
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Honest Care provides technology-enabled tools to assist users in preparing and filing appeals of health‑insurance prescription‑drug coverage denials. The core Services currently include:
Honest Care does not guarantee that an appeal will be successful. The effectiveness of the appeal depends on multiple factors, including (but not limited to): the accuracy and completeness of the information you supply; whether you meet the insurance provider’s clinical criteria for the medication; the specific formulary and coverage policy applicable to your insurance plan; and the discretion and judgment of the individual or entity reviewing your appeal. We rely solely on the information you provide and do not verify its accuracy or assess your clinical eligibility.
Fax transmission services are provided through a third-party provider, currently Documo, which offers HIPAA-compliant fax capabilities. Honest Care is not a HIPAA-covered entity and does not operate as a healthcare provider or health plan. However, we take privacy and security seriously and utilize third-party services, such as Documo, that offer HIPAA-compliant capabilities for certain features, including outbound fax transmission (see Section 2 for additional details). While the fax provider meets industry standards for secure transmission, Honest Care does not review, monitor, or retain faxes and cannot guarantee successful delivery or receipt.
The outbound fax utility (the “Fax Service”) is offered for your convenience. By using the Fax Service, you acknowledge and agree to the following:
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You agree to use the Services only for lawful and intended purposes. You may not:
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Certain features of the Services require payment. Pricing may vary depending on the service tier you select and whether staff involvement is included. You agree to pay all applicable fees in full before any services are rendered.
Payments are processed through a third-party payment processor, currently Stripe. By making a payment, you also agree to be bound by Stripe’s terms and conditions, including any applicable policies related to billing, refunds, or disputes.
All sales are final. Refunds are issued solely at Honest Care’s discretion and will not be provided based on the outcome of an appeal, including cases where your insurance carrier continues to deny coverage after submission. Refunds may be considered only in limited situations, such as duplicate charges or clear technical errors in processing. Honest Care is under no obligation to issue a refund under any circumstances.
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All content, materials, and technology made available through the Services—including but not limited to software, design, text, graphics, logos, tools, templates, and any appeal letters generated—are the property of Honest Care or its licensors, and are protected by copyright, trademark, and other intellectual property laws.
You are granted a limited, non-exclusive, non-transferable license to access and use the Services for your personal, non-commercial use in accordance with these Terms. You may not copy, reproduce, distribute, modify, create derivative works from, publicly display, or otherwise exploit any part of the Services without our prior written permission.
Use of Honest Care’s name, logo, or other branding elements is prohibited without our express authorization.
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The Services are provided "as is" and "as available." Honest Care disclaims all warranties, express or implied, including warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not guarantee that Services will be uninterrupted, timely, secure, or error-free.
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To the fullest extent permitted by law, Honest Care and its affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits, data, use, goodwill, or other intangible losses, resulting from:
As further described in Sections 2, 4.1, and 6, you use the Services at your own risk and are solely responsible for verifying any documents, fax details, and appeal content.
In no event shall Honest Care’s total liability for any claims related to the Services exceed the amount you paid, if any, for the applicable Services.
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You agree to indemnify, defend, and hold harmless Honest Care, its officers, directors, employees, and agents, from any claims, liabilities, damages, losses, and expenses, including reasonable legal fees, arising out of your use of the Services, your violation of these Terms, or your violation of any rights of a third party.
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We may suspend or terminate your access to the Services at any time, with or without notice, if we believe you have violated these Terms or are otherwise engaged in unlawful or inappropriate conduct.
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These Terms are governed by and construed in accordance with the laws of the State of Delaware, without regard to its conflict of law principles.
You agree that any disputes or claims related to these Terms or your use of the Services will be resolved exclusively through binding arbitration, administered by the American Arbitration Association under its applicable rules. Arbitration shall take place on an individual basis only, and you waive any right to participate in a class action lawsuit or class-wide arbitration.
Unless otherwise required by law, the arbitration will occur in a location reasonably convenient for both parties, or virtually, and the language of arbitration shall be English.
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Our Services may contain links to websites, products, or services operated by third parties. These third-party sites are not owned or controlled by Honest Care, and we are not responsible for their content, policies, or practices. Inclusion of a third-party link does not imply endorsement or affiliation.
You access third-party websites at your own risk. We encourage you to review the terms and privacy policies of any third-party services you visit.
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Under California Civil Code Section 1789.3, California users of the Services are entitled to the following consumer rights notice:
If you have a question or complaint regarding the Services, you may contact us at support@findhonestcare.com. You may also contact the Consumer Information Division of the California Department of Consumer Affairs in writing at 1625 North Market Blvd., Suite N 112, Sacramento, CA 95834, or by phone at (916) 445-1254 or (800) 952-5210.
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If you have any questions about these Terms, our Services, or how we handle your information, please contact us at:
Email: support@findhonestcare.com
We aim to respond to all inquiries in a timely and helpful manner.
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