Terms of Use

1. Our Mission

Patients Over Policies is an independent advocacy platform dedicated to raising awareness about the impact of health insurance denials, prior authorization requirements, coverage delays, and related barriers to care by sharing patient experiences and educational resources.

The Website is intended for educational, informational, and advocacy purposes only.

2. No Medical or Legal Advice

The content on this Website is provided for informational and advocacy purposes only. Nothing on this Website constitutes medical advice, legal advice, financial advice, or professional services. Always consult your physician regarding medical decisions and a qualified attorney regarding legal rights or insurance disputes.

3. User Submissions

Users may voluntarily submit stories, comments, documents, photographs, or other content. By submitting content, you represent and warrant that:

• the Submission reflects your own experience or you have permission to share it;
• the information is true and accurate to the best of your knowledge;
• your Submission does not knowingly contain false or misleading information;
• your Submission does not infringe another person's copyright, privacy, publicity, or other legal rights;
• you have removed or have permission to disclose any confidential information belonging to another person.

4. Publication Consent

By submitting a story for publication, you grant Patients Over Policies a perpetual, irrevocable, worldwide, royalty-free license to:

• publish, share, and distribute your Submission;
• edit it for grammar, clarity, formatting, length, accessibility, and privacy protection;
• remove personally identifying information, including corporate names, provider names, and other identifiers;
• categorize or summarize the Submission;
• display it on the Website, newsletters, social media, educational materials, and other advocacy efforts.

You retain ownership of your original Submission. You may request correction or removal of a published story at any time by contacting us at [email protected]. We will review all such requests and make corrections or remove content when appropriate, at our sole discretion.

5. Editorial Rights

Patients Over Policies reserves the right, in its sole discretion, to:

• accept or reject any Submission;
• edit, abbreviate, or redact content;
• remove identifying information;
• update or remove published content at any time;
• suspend or discontinue publication without notice.

Publication is not guaranteed.

6. User-Generated Content

Stories published on this Website reflect the personal experiences and opinions of the individuals who submitted them. Publication does not constitute independent verification, endorsement, or certification of every factual statement contained within a Submission. Readers should evaluate user-submitted content accordingly.

7. Prohibited Content

Users agree not to submit content that:

• is knowingly false or fraudulent;
• contains defamatory statements;
• threatens or harasses another person;
• contains hate speech or unlawful discrimination;
• violates another person's privacy;
• contains protected health information belonging to another individual without authorization;
• infringes copyrights, trademarks, or other intellectual property rights;
• contains malicious software or harmful code;
• violates any applicable law.

8. Privacy

Your use of this Website is also governed by our Privacy Policy. Please review the Privacy Policy to understand how information is collected and used.

9. Intellectual Property

Unless otherwise indicated, the Website's design, logos, text, graphics, and original content are the property of Patients Over Policies and are protected by applicable intellectual property laws. User Submissions remain the property of their respective authors, subject to the license granted under these Terms.

10. External Links

This Website may contain links to third-party websites. Patients Over Policies is not responsible for the content, privacy practices, or accuracy of information on external websites.

11. Disclaimer of Warranties

This Website is provided on an "as is" and "as available" basis. Patients Over Policies makes no warranties, express or implied, regarding the accuracy, completeness, reliability, availability, or suitability of the Website or its content.

12. Limitation of Liability

To the fullest extent permitted by law, Patients Over Policies and its owners, volunteers, contributors, and affiliates shall not be liable for any direct, indirect, incidental, consequential, special, or punitive damages arising from or relating to the use of this Website or reliance on its content.

13. Indemnification

You agree to defend, indemnify, and hold harmless Patients Over Policies, its owners, volunteers, contributors, and affiliates from any claims, damages, losses, liabilities, costs, or expenses (including reasonable attorneys' fees) arising out of:

• your Submission, including any claim that your Submission is false, defamatory, or infringes another person's rights;
• your violation of these Terms;
• your violation of another person's rights.

14. Copyright Complaints

If you believe material published on this Website infringes your copyright, please contact us with sufficient information to identify the material and your ownership rights. We will promptly investigate and, when appropriate, remove or disable access to the material.

15. Changes to These Terms

We may revise these Terms from time to time. The updated version will be posted on this page with a revised Effective Date. Continued use of the Website after changes become effective constitutes acceptance of the revised Terms.

16. Governing Law

These Terms shall be governed by and interpreted under the laws of the State of Arkansas, without regard to its conflict of law principles.

17. Contact

Questions regarding these Terms may be directed to:

Patients Over Policies
[email protected]