1. What does PlanStan do?
PlanStan provides a software-based health insurance plan comparison and cost modeling tool. The Services allow you to: (i) upload health insurance plan documents (such as Summary of Benefits and Coverage documents), which our proprietary artificial intelligence technology extracts and analyzes, (ii) provide information about yourself and your family (such as age, gender, and health conditions), which our system uses to automatically generate estimated healthcare utilization and cost projections based on third-party statistical databases, and (iii) review, adjust, and customize these projections to reflect your own assumptions and expectations. Our system then models and compares estimated out-of-pocket costs across all of your insurance plan options based on the assumptions and inputs you provide or accept. The cost estimates are mathematical projections based on your inputs, our automated projections derived from third-party data, and the plan details extracted from your documents. You retain full control over the assumptions used in the modeling and can modify them at any time.
2. What are PlanStan's limitations?
A. What PlanStan Is NOT. PlanStan is not an insurer, insurance provider, broker, agent, producer, financial advisor, or licensed advisor in any jurisdiction. We do not provide and are not a substitute for professional insurance, financial, legal, or medical advice. The Services are an informational tool that you operate and control. You set all assumptions used in cost modeling, and all outputs are based on the assumptions and inputs you provide or accept. To the extent you rely on any default assumptions, statistical data, or automated projections we provide, you do so at your own risk. The Services provide mathematical calculations and cost comparisons only. We do NOT: (i) recommend specific insurance plans, (ii) advise whether you should purchase, change, or cancel coverage, (iii) analyze your individual insurance needs, (iv) interpret policy language or coverage determinations, (v) assist with enrollment or claims, or (vi) negotiate with insurers on your behalf. The identification of a "lowest estimated cost" plan is a mathematical output only and should not be construed as a recommendation. The Services are not subject to professional standards applicable to actuaries, insurance professionals, healthcare consultants, or financial advisors. Any statistical or actuarial methods used are for informational purposes only. Our Services are not endorsed, approved, or regulated by any state insurance commissioner, state insurance department, or the National Association of Insurance Commissioners (NAIC). Any outputs from the Services are not promises, predictions, or guarantees of actual costs or savings. Cost and savings estimates are projections only; individual results will vary. You acknowledge that no fiduciary, advisory, agency, or professional services relationship exists between you and PlanStan, and we owe you no professional duty of care. You should consult with licensed insurance, financial, legal, and medical professionals for personalized advice regarding your specific circumstances. For complaints about the Services, contact us at stan@theplanstan.com—not any insurance regulatory body.
B. "AS IS" Service and Warranty Disclaimer. The Services are provided by PlanStan, LLC, its affiliates, and their respective officers, directors, employees, agents, licensors, and service providers (collectively, the "PlanStan Parties") on an "AS IS" and "AS AVAILABLE" basis, without warranties of any kind, either express or implied. Your use of the Services is at your sole risk. TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE PLANSTAN PARTIES DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, TITLE, AND ANY WARRANTIES ARISING FROM COURSE OF DEALING, USAGE, OR TRADE PRACTICE. The PlanStan Parties do not warrant that the Services will be uninterrupted, error-free, secure, or free from viruses or other harmful components. The PlanStan Parties make no warranties regarding the accuracy, reliability, completeness, or timeliness of any Content (meaning any information, data, text, graphics, software, code, models, analyses, reports, or other materials made available through the Services by PlanStan), including AI-generated outputs, data extraction, cost calculations, or insurance plan information. Some jurisdictions do not allow the exclusion of certain warranties, so some of the above exclusions may not apply to you.
C. Analysis Limitations and User Verification Responsibility. Our Services use artificial intelligence to extract data from Summary of Benefits and Coverage (SBC) documents, which are federal standardized summaries, not complete plan documents. SBCs omit many coverage details including prior authorizations, formularies, specific exclusions, and network limitations. The full plan documents (Evidence of Coverage/Certificate of Coverage) govern your actual coverage. AI extraction is inherently imperfect and may contain errors, omissions, or misinterpretations. Our calculations and cost estimates may contain mathematical errors, incorrect assumptions, or flawed interpretations of plan rules. Your actual coverage, benefits, and reimbursements are determined solely by your insurance company based on their plan documents, medical policies, and claim review processes - not by our estimates. The Services may produce results that are factually incorrect, misleading, or based on outdated information. Insurance plan documents themselves may contain errors. We make no representation about the accuracy, completeness, or timeliness of any information. You acknowledge and agree that: (i) you must independently verify ALL extracted data against your original documents, (ii) you must verify all calculations before making any financial or healthcare decisions, (iii) insurance documents may contain errors or outdated information, (iv) actual costs will vary from estimates due to factors including but not limited to provider choice, prior authorizations, claim denials, and mid-year plan changes, (v) we have no obligation to verify the accuracy or currency of any information or documents, and plans may have changed since document creation, (vi) our calculations may be incorrect due to errors in our formulas, logic, or interpretation of insurance rules, (vii) only your insurance company determines what is actually covered and paid, and (viii) users should review complete plan documents before making enrollment decisions. YOU ASSUME ALL RISK associated with decisions made based on the Services.
D. No Tax, Accounting, or Benefits Advice. The Services do not provide and should not be construed as tax, accounting, or employee benefits advice. We make no representations regarding: (i) tax deductibility of health insurance premiums or medical expenses, (ii) eligibility for or contribution limits to Health Savings Accounts (HSAs), Flexible Spending Accounts (FSAs), or Health Reimbursement Arrangements (HRAs), (iii) coordination with employer-sponsored benefits or welfare plans, (iv) implications for Affordable Care Act premium tax credits or subsidies, or (v) tax treatment of insurance benefits. You should consult with a qualified tax professional or benefits advisor regarding your specific circumstances.
E. Not for Medicare/Medicaid Beneficiaries. The Services are not designed for and are not intended to be used by beneficiaries of Medicare, Medicaid, or any other government-administered health plan. These programs have specific rules and regulations not accounted for in our Services.
3. Who can use PlanStan?
You represent that you are: (i) eighteen years of age or older, (ii) located in the United States, and (iii) legally capable of entering into contracts. If providing information about dependents or family members, you represent that you have legal authority to provide such information. The Services are intended solely for users who meet these criteria. Any access to or use of the Services by anyone who does not meet these criteria is expressly prohibited. You represent that you are not on any U.S. government list of prohibited or restricted parties and will not use the Services in violation of U.S. export control or sanctions laws.
Children's Privacy. The Services are not intended for and may not be used by anyone under the age of 18. We do not knowingly collect personal information from individuals under 18 years of age. If we learn that we have collected personal information from someone under 18, we will delete that information as quickly as possible. If you believe that someone under 18 may have provided us with personal information, please contact us immediately at stan@theplanstan.com.
4. What are my responsibilities?
A. Account Registration. You agree to provide accurate, current, and complete information during the registration process. You are responsible for safeguarding your password and for all activities that occur under your account. You must immediately notify us of any unauthorized use of your account or any other security breach.
B. User Content. Any documents, information, or other materials you upload or provide to the Services ("User Content") remain your property. You are solely responsible for your User Content, including ensuring it is accurate, complete, and current, and you represent and warrant that you have all rights, licenses, and consents necessary to provide it to us for use with the Services.
C. Your Warranties Regarding User Content. By providing User Content, you represent and warrant that: (i) you have the legal right to provide such information and to grant the licenses set forth in Section 7C, (ii) if the information pertains to any third party (e.g., a spouse or dependent), you have obtained their explicit consent to share their information with us, (iii) your User Content, and our use of it as contemplated by these Terms, does not and will not infringe, violate, or misappropriate any third party rights, including without limitation any copyright, trademark, patent, trade secret, privacy right, publicity right, contract right, or other intellectual property or proprietary right, and (iv) your User Content does not contain any viruses, malware, or other harmful code. You acknowledge that you may be uploading documents created by third parties (such as insurance plan documents) and you represent that you have the legal right to upload such documents and grant us the licenses described in these Terms.
D. Communications and Marketing. By creating an account, you consent to receive electronic communications from us, including but not limited to emails regarding your account, security alerts, billing notices, and service updates (collectively, "Transactional Communications"). Transactional Communications are necessary for the provision of the Services and you cannot opt out of receiving them while maintaining an account. We may also send you promotional emails, newsletters, and marketing communications ("Marketing Communications"). You may opt out of Marketing Communications at any time by following the unsubscribe instructions in those emails or by contacting us at stan@theplanstan.com.
E. User Sharing and Third-Party Reliance. You may choose to share outputs, cost estimates, plan comparisons, or recommendations from the Services with third parties (such as family members, employers, or benefits administrators). You acknowledge and agree that: (i) any information you share is done at your sole discretion and risk, (ii) we are not responsible for how third parties use, interpret, or rely on information you share, (iii) we make no representations to any third parties regarding the accuracy or suitability of any information from the Services, (iv) third parties rely on shared information at their own risk, and (v) you are responsible for ensuring third parties understand the limitations and disclaimers applicable to the Services. We have no duty to any third party who receives information from you.
5. How do subscriptions and payments work?
A. Service Offerings. We may offer the Services through various tiers, including free and paid subscriptions. By signing up for a subscription, you agree to pay the fees specified at the time of signup.
B. Billing and Automatic Renewal. Your subscription will automatically renew for successive terms equal to your initial subscription term (e.g., if you purchase an annual subscription, it will renew annually; if you purchase a monthly subscription, it will renew monthly) unless you cancel before the end of the then-current term. By purchasing a subscription, you expressly acknowledge and consent to automatic renewal and authorize us to charge your payment method on file for each renewal term. For annual subscriptions, we will send you a renewal reminder notice between 3 and 21 days before your renewal date where required by law. You can update your payment method through your account settings.
C. Cancellation. You may cancel your subscription at any time through your account settings or by emailing us at stan@theplanstan.com. Cancellation will take effect at the end of your current paid term, and you will retain access to the Services until that time. You will not be charged for subsequent renewal terms after cancellation.
D. No Refunds. Payments are non-refundable, and there are no refunds or credits for partially used subscription periods, except where required by applicable law. If you are entitled to a refund under applicable law, please contact us at stan@theplanstan.com.
E. Price Changes. We reserve the right to change our subscription prices at any time. We will provide you with at least thirty (30) days' advance notice of any price changes, and any price increase will apply at the start of your next renewal term following the notice period. If you do not agree to the price change, you may cancel your subscription before the new price takes effect.
6. Are there restrictions on how I can use PlanStan?
You represent, warrant, and agree that you will not contribute, provide, or transmit any Content or User Content to the Services, or otherwise use or interact with the Services, in a manner that violates these restrictions:
A. Permitted Use. The Services are intended solely for your personal, non-commercial use to analyze health insurance options for yourself and your family. You may not: (i) use the Services on behalf of any third party or for any commercial purpose, (ii) resell, redistribute, or provide access to the Services to any third party, (iii) use the Services as part of any service bureau or to provide services to others, or (iv) use the Services to analyze plans for employees, clients, or any other persons as part of any business or professional services.
B. Prohibited Conduct. You agree not to:
- Infringe or violate the intellectual property rights or any other rights of PlanStan or any third party;
- Violate any law or regulation, including without limitation any applicable export control laws or privacy laws;
- Provide, upload, or transmit any content that is harmful, fraudulent, deceptive, threatening, harassing, defamatory, obscene, or otherwise objectionable;
- Compromise the security of your account or anyone else's account, including by allowing others to log in as you or sharing your credentials;
- Attempt to obtain passwords, account information, or other security information from any other user;
- Violate the security of any computer network, crack passwords or security encryption codes, or conduct any security attacks;
- Run any automated processes, bots, scrapers, spiders, or scripts that run while you are not actively using the Services or that place an unreasonable load on our infrastructure;
- Scrape, collect, harvest, or copy any significant portion of the Content or data from the Services without our express prior written permission;
- Reverse-engineer, decompile, or otherwise attempt to discover the source code or underlying technology of the Services;
- Use the Services to develop, support, or operate a competing product or service, or to analyze our Services, features, or methodologies for competitive purposes;
- Introduce any viruses, malware, trojans, worms, or other malicious or harmful code;
- Interfere with, disrupt, or impose an unreasonable burden on the Services or our servers or networks; or
- Use the Services for any purpose not reasonably intended by PlanStan.
A violation of any of the foregoing is grounds for immediate termination of your account as described in Section 9.
7. Who owns what?
A. Our Intellectual Property. All rights, title, and interest in and to the Services and its contents, features, and functionality are owned by PlanStan, LLC.
B. Feedback. If you provide us with any feedback, comments, or suggestions ("Feedback"), you hereby assign to us all rights in such Feedback, and agree that we shall have the right to use such Feedback in any manner we deem appropriate.
C. Data Rights and License. While you retain ownership of your User Content, you grant PlanStan the following licenses:
(i) Insurance Plan Structure Data. You grant us a perpetual, irrevocable, worldwide, royalty-free, and fully sublicensable license to Summary of Benefits and Coverage (SBC) documents and plan structure data you upload, including plan details, premiums, deductibles, copays, coinsurance, coverage terms, network information, and formulary rules. These standardized plan documents do not contain your personal health information. We may use this data to build our insurance plan database, improve our AI extraction models, create industry insights, conduct research, publish reports, and for any other business or commercial purposes.
(ii) Other User Content. For any other documents or information you provide (beyond SBC documents), you grant us a limited, non-exclusive, revocable, worldwide license solely to host, process, and display such content as necessary to provide the Services at your direction. This license ends when such content is deleted from our systems in accordance with Section 10B (subject to standard backup deletion cycles).
(iii) De-identified and Aggregated Data. You grant us a perpetual, irrevocable, worldwide, royalty-free, and fully sublicensable license to use de-identified and aggregated data and derivative analytical models that cannot reasonably be linked back to you. We will not attempt to re-identify such data.
We do NOT receive any perpetual license to your identifiable personal health information, family member data, or health condition information. You acknowledge that the insurance plan database and analytical models we develop constitute our valuable intellectual property.
D. Copyright Infringement. If you believe any User Content violates your copyright, please contact us at stan@theplanstan.com with the information required under the Digital Millennium Copyright Act.
8. Will these Terms ever change?
We are constantly trying to improve our Services, so these Terms may need to change as well. We reserve the right to change the Terms at any time. If we do, we will bring it to your attention by placing a notice on the Site, by sending you an email, and/or by some other means. If you don't agree with the new Terms, you are free to reject them; unfortunately, that means you will no longer be able to use the Services. If you use the Services in any way after a change to the Terms is effective, that means you agree to all of the changes.
We also reserve the right, at any time and in our sole discretion, to: (i) modify, suspend, or discontinue the Services or any features, functionality, or content within the Services, whether temporarily or permanently, (ii) impose limits on certain features or restrict access to parts or all of the Services, (iii) remove or refuse to display any User Content, and (iv) change pricing or subscription terms upon notice as provided in Section 5. We will not be liable to you or any third party for any modification, suspension, or discontinuation of the Services.
9. How do I cancel my account?
A. Account Deletion by You. You may request deletion of your account at any time by contacting us at stan@theplanstan.com. Deleting your account does not automatically cancel any active paid subscription; to cancel your subscription, see Section 5C. Upon account deletion, your personal data will be removed as described in our Privacy Policy and Section 10B, but de-identified and aggregated data will be retained as permitted under these Terms. This may result in permanent loss of your Content and data, so please ensure you have backed up any information you wish to retain before requesting deletion.
B. Termination by PlanStan. We may terminate or suspend your access to our Services immediately, without prior notice or liability, for any reason whatsoever, including, without limitation, if you breach these Terms. We have the sole right to determine whether you are in violation of these Terms. Termination by PlanStan does not entitle you to any refund of subscription fees paid.
C. Effect of Termination. Upon termination, your right to use the Services will immediately cease. Provisions that, by their nature, should survive termination shall survive as set forth in Section 13D(f).
10. How is my data protected?
A. Health Breach Notification. We maintain security measures to protect your health information. In the event of a breach of unsecured health information, we will notify you without unreasonable delay and in no case later than 60 calendar days after discovery, as required by the FTC Health Breach Notification Rule (16 CFR Part 318). We are not a HIPAA-covered entity, and HIPAA regulations do not apply to our Services.
B. Data Retention and Deletion. We retain de-identified insurance plan data indefinitely for product improvement purposes. "De-identified data" means data that cannot reasonably identify, relate to, describe, be capable of being associated with, or be linked to you. Personal health information is retained only while you maintain an active account and for 90 days thereafter. Upon account termination, you may request deletion of your personal data by emailing stan@theplanstan.com. De-identified and aggregated data derived from your use will not be deleted.
C. Third-Party Services and Data. The Services utilize third-party artificial intelligence APIs, analytics services, and data sources (including healthcare cost data, utilization statistics, and other reference information). These third parties may process your data according to their own terms and privacy policies. Third-party data may be inaccurate, incomplete, outdated, or not applicable to your specific circumstances. We are not responsible for any third-party service failures, changes, discontinuations, or data inaccuracies that affect the Services.
D. Privacy Rights. We respect your privacy rights and comply with applicable data protection laws. Depending on your location, you may have certain rights regarding your personal information. See our Privacy Policy for details.
11. Is PlanStan accessible?
PlanStan strives to ensure digital accessibility for people with disabilities. We are continually improving the user experience for everyone and applying relevant accessibility standards. If you experience any difficulty accessing any part of our Services, please contact us at stan@theplanstan.com.
12. How do I contact PlanStan?
If you have any questions about these Terms, please contact us at:
Address: PlanStan, LLC, 228 Park Ave S, Suite 258824, New York, NY 10003
Email: stan@theplanstan.com
13. What else do I need to know?
A. Limitation of Liability
TO THE MAXIMUM EXTENT PERMITTED BY LAW, IN NO EVENT SHALL PLANSTAN, LLC BE LIABLE FOR ANY INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR EXEMPLARY DAMAGES. OUR TOTAL AGGREGATE LIABILITY TO YOU FOR ALL CLAIMS ARISING OUT OF THE SERVICES IS LIMITED TO THE GREATER OF (A) THE AMOUNT OF FEES PAID BY YOU IN THE TWELVE (12) MONTHS PRIOR TO THE EVENT GIVING RISE TO THE LIABILITY, OR (B) FOR USERS OF ANY FREE SERVICE, ONE HUNDRED U.S. DOLLARS ($100). This limitation applies to all claims including but not limited to: (i) errors in AI data extraction, (ii) incorrect cost calculations, (iii) inaccurate or outdated insurance plan information, (iv) differences between estimated and actual healthcare costs, (v) your selection of an insurance plan, (vi) denial of insurance claims, (vii) changes to insurance coverage or terms, and (viii) any financial losses or increased healthcare costs.
B. Indemnification
You agree to defend, indemnify, and hold harmless the PlanStan Parties from and against any and all claims, liabilities, damages, losses, costs, expenses, and fees (including reasonable attorneys' fees) arising out of or relating to: (i) your User Content, (ii) your use of or inability to use the Services, (iii) your violation of these Terms, (iv) your violation of any rights of any third party, (v) your violation of any applicable law or regulation, (vi) any decisions you make based on outputs or information from the Services, including insurance enrollment decisions, (vii) any claims by third parties who rely on information you shared from the Services, and (viii) any misrepresentation or breach of your representations and warranties under these Terms.
C. Dispute Resolution: Mandatory Arbitration
(a) Informal Negotiation. You and PlanStan, LLC agree to first attempt to negotiate any Dispute (meaning any claim, controversy, or dispute arising out of or relating to these Terms or the Services) informally for at least sixty (60) days before initiating arbitration.
(b) Binding Arbitration. All Disputes shall be resolved by binding arbitration administered by JAMS (Judicial Arbitration and Mediation Services) under its Streamlined Arbitration Rules and Procedures. Unless you and PlanStan agree otherwise in writing, the arbitration will take place in-person in the county in which you reside. If you initiate an arbitration for claims arising from these Terms, you will be required to pay $250 of the fee required to initiate the arbitration and PlanStan will pay any remaining JAMS Case Management Fees and all professional fees for the arbitrator's services; you will remain responsible for your respective costs relating to counsel, experts, witnesses, and travel to the arbitration. If PlanStan initiates an arbitration for claims arising from these Terms, PlanStan will pay all administrative fees and costs related to the arbitration, including all professional fees for the arbitrator's services; you will remain responsible for your costs relating to counsel, experts, witnesses, and travel to the arbitration.
(c) Class Action Waiver. ALL CLAIMS MUST BE BROUGHT IN THE PARTIES' INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS ACTION.
(d) Opt-Out of Arbitration. You may opt out of this arbitration agreement by sending written notice to PlanStan within thirty (30) days of first accepting these Terms. Your notice must include your name, email address associated with your account, and a clear statement that you wish to opt out of the arbitration agreement. Send opt-out notices to: PlanStan, LLC, 228 Park Ave S, Suite 258824, New York, NY 10003, or by email to stan@theplanstan.com with the subject line "Arbitration Opt-Out". If you opt out, you and PlanStan will not be bound by Section 13C(b), but all other terms of this Agreement will continue to apply.
(e) Governing Law. These Terms shall be governed by the laws of the State of Delaware.
(f) Exceptions to Arbitration. Notwithstanding the above, the following disputes are excluded from arbitration: (i) any disputes seeking to enforce or protect our intellectual property rights, (ii) any claim for injunctive relief, and (iii) any claim that may be brought in small claims court. Either party may elect to have a Dispute heard in small claims court if it falls within that court's jurisdiction, whether or not arbitration has been initiated.
D. General Provisions
(a) Entire Agreement. These Terms and our Privacy Policy constitute the entire agreement between you and PlanStan, LLC regarding the Services.
(b) Assignment. You may not assign or transfer these Terms, by operation of law or otherwise, without our prior written consent. We may freely assign or transfer these Terms without restriction.
(c) Severability. If any provision of these Terms is held to be invalid or unenforceable, that provision will be struck and the remaining provisions will be enforced to the fullest extent under law.
(d) No Waiver. Our failure to enforce any right or provision of these Terms will not be considered a waiver of those rights.
(e) Force Majeure. Neither party shall be liable for any failure or delay in performance under these Terms arising from circumstances beyond its reasonable control, including but not limited to acts of God, natural disasters, war, terrorism, riots, embargoes, acts of civil or military authorities, fire, floods, accidents, pandemics, strikes, or shortages of transportation, facilities, fuel, energy, labor, or materials.
(f) Survival. Provisions that by their nature should survive termination of these Terms shall survive, including but not limited to Sections 7 (Intellectual Property), 13A (Limitation of Liability), 13B (Indemnification), 13C (Dispute Resolution), and 10 (How is my data protected?).
