ELLEN — TERMS OF SERVICE

1. ACCEPTANCE OF TERMS

By accessing or using Ellen (the "Service"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree, do not use the Service.

By clicking "I Agree," creating an account, or using the Service, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy. This constitutes a binding agreement between you and Bodinh LLC.

The Service includes features for individual consumers ("Patient Users") and for licensed healthcare professionals ("Provider Users"). Certain sections apply specifically to one user type and are labeled accordingly. Unlabeled sections apply to all users.

2. DEFINITIONS

• "Ellen" or "Service" means the ellenrx.com website, mobile applications, APIs, Provider Dashboard, and all related features and services.
• "Bodinh LLC" means the Connecticut limited liability company operating Ellen. References to "Ellen Health Inc" refer to the anticipated Delaware C-Corporation successor entity.
• "Patient User" means an individual consumer using Ellen for personal insurance denial decoding, appeal generation, lab report analysis, or bill auditing.
• "Provider User" means a licensed healthcare professional or authorized representative of a healthcare organization using the Provider Dashboard.
• "Health Data" means any information related to a user's health condition, diagnosis, medication, insurance status, lab values, billing codes, or appeal information submitted to the Service.
• "PHI" means Protected Health Information as defined under HIPAA (45 CFR § 160.103).
• "Provider Dashboard" means the provider-facing features accessible at /provider/* on the Service.

3. ELIGIBILITY AND AGE REQUIREMENT

You must be at least eighteen (18) years of age and have reached the age of majority in your jurisdiction to use the Service. If you are under 18, you may not use the Service.

If you are using the Service on behalf of another individual (such as a family member or dependent), you represent that you have the legal authority to agree to these Terms on their behalf and assume full responsibility for their use of the Service.

4. DESCRIPTION OF SERVICE

Ellen is an AI-powered educational tool that helps patients understand insurance denial reasons, step therapy requirements, clinical exceptions, and appeal processes. Ellen also offers an appeal letter completeness checker ("automated quality score"), lab report analysis, bill auditing, and clinical trial matching.

Ellen also provides a Provider Dashboard that offers aggregated, anonymized payer policy intelligence, denial trend analytics, clinical decision-support tools, and a Letter of Medical Necessity (LMN) Builder.

Ellen does not provide medical advice, legal advice, or guaranteed outcomes. The information provided is for educational purposes only.

5. DATA USE AND RESTRICTIONS

Bodinh LLC does not sell, rent, lease, or trade your individually identifiable health information to any third party — not to advertisers, data brokers, pharmaceutical companies, insurers, employers, or anyone else.

We do not share your personal health information for targeted advertising. We do not use tracking pixels or cookies to share your health-related activity with advertising platforms.

We may use fully anonymized, aggregated data — stripped of all 18 HIPAA identifiers and not linkable to any individual — for research, product improvement, and commercial purposes. You may opt out of this anonymized data contribution in your account settings. See Section 14 and Section 15 for details.

6. NOT A HEALTHCARE PROVIDER; NO PROFESSIONAL RELATIONSHIPS

Ellen does not diagnose, treat, or prescribe. The Service is not a substitute for professional medical advice, diagnosis, or treatment.

Your use of Ellen does not create a physician-patient relationship, an attorney-client relationship, a fiduciary relationship, or any other professional relationship between you and Bodinh LLC. Ellen is an educational platform — not a healthcare provider, insurer, pharmacy, law firm, or patient advocate.

Appeal letters and guidance generated by Ellen are educational resources, not legal documents. They do not constitute legal advice.

7. AI-GENERATED CONTENT AND AI DISCLOSURE

AI TRANSPARENCY NOTICE

Ellen uses artificial intelligence to generate content. Specifically, Ellen uses Amazon Web Services, powered by an AI language model, for the following functions:

• Appeal letter generation — AI drafts appeal letters based on your denial information, diagnosis, and payer policies
• Lab report analysis — AI extracts and interprets lab values from uploaded images
• Bill auditing — AI analyzes medical bills for potential overcharges and coding errors
• Denial decoding — AI explains insurance denial reasons in plain language
• Clinical trial matching — AI identifies potentially relevant clinical trials
• Automated quality score — AI evaluates appeal letter completeness using pattern-matching

AI model provider: Amazon Web Services

Important limitations of AI-generated content:

• AI-generated content is provided for educational and informational purposes only.
• It may contain errors, omissions, or inaccuracies.
• You are solely responsible for reviewing, editing, and verifying any content generated by Ellen before using it.
• Appeal letters generated by Ellen are starting points, not finished documents. They should be reviewed and, where appropriate, edited and signed by your treating physician before submission.
• Bodinh LLC is not responsible for the outcome of any appeal or communication that incorporates AI-generated content.
• AI does not make clinical decisions. All AI output requires human review.

8. PATIENT USER TERMS

This section applies only to Patient Users.

8.1 Scope of Use

As a Patient User, you may use Ellen to:

• Decode insurance denials for your own claims or those of dependents for whom you have legal authority
• Generate draft appeal letters
• Upload lab reports for value extraction
• Audit medical bills
• Search for clinical trials

8.2 Your Responsibilities

• You are responsible for verifying all information generated by Ellen before submitting it to any insurer, provider, or third party.
• You must redact all personally identifiable information from lab report images before uploading (see Section 11).
• You must not use Ellen for any illegal purpose or to submit fraudulent insurance claims.

8.3 Health Data Consent (Patient Users)

SEPARATE HEALTH DATA CONSENT

By submitting health data to Ellen (including diagnosis information, insurance details, medication names, lab values, and billing information), you provide express, informed consent for Ellen to:

1. Process your health data using AI (Amazon Web Services) to generate appeal letters, analyze lab reports, and audit bills;
2. Store your health data in encrypted form for up to 90 days to provide the Service;
3. If you opt in, contribute anonymized, de-identified versions of your data to aggregate health intelligence datasets.

You may withdraw this consent at any time by emailing privacy@ellenrx.com. Withdrawal of consent will result in deletion of your health data within 30 days but will not affect the lawfulness of processing performed before withdrawal.

This health data consent is separate from your acceptance of these general Terms of Service.

9. PROVIDER USER TERMS

This section applies only to Provider Users.

9.1 Eligibility and Representations

If you register for a Provider account, you represent and warrant that:

1. You are a licensed healthcare professional, or an authorized representative of a licensed healthcare organization, in good standing in your jurisdiction;
2. You will use the Provider Dashboard solely for legitimate professional purposes related to patient care, clinical decision-making, and payer policy research;
3. You will not upload, enter, or transmit any individually identifiable patient information or PHI into the Provider Dashboard unless you have executed a Business Associate Agreement (BAA) with Bodinh LLC governing the LMN Builder or other PHI-processing features;
4. You are solely responsible for any clinical decisions made using information obtained from the Provider Dashboard;
5. You will not share your Provider account credentials or grant access to unlicensed individuals;
6. You acknowledge that data displayed in the Provider Dashboard is derived from publicly available sources and anonymized aggregate data, may not reflect real-time payer policy changes, and should be independently verified.

Bodinh LLC reserves the right to verify professional credentials and to suspend or terminate unverifiable Provider accounts.

9.2 Provider Business Associate Agreement

Where Provider Users submit PHI through the LMN Builder or other designated features, Bodinh LLC acts as a Business Associate under HIPAA. Provider Users must execute a separate BAA with Bodinh LLC before submitting any PHI. See Section 17 for BAA details.

9.3 Mutual Indemnification (Provider Users)

Provider Users are subject to the mutual indemnification provisions in Section 32.2.

9.4 Provider Data

Provider account information (name, email, professional role, organization, login activity, usage analytics) is subject to the same security, retention, and deletion rights described in these Terms and our Privacy Policy.