Service and Final-Sale Policy

This policy explains what you are purchasing from Itemizeit, when a purchase becomes final, and the limited circumstances in which a refund may be available.

What you are purchasing

Itemizeit provides defined medical bill review, document preparation, communication, mailing, follow-up, and optional advocate services based on the package and add-ons you select.

You are purchasing the services included in your selected package. You are not purchasing or being promised:

• A guaranteed reduction in your medical bill
• A guaranteed refund, adjustment, discount, or savings amount
• A guaranteed response from a provider, insurer, or billing entity
• A determination that any charge is incorrect
• Any particular outcome from a dispute or billing inquiry

Provider and insurer decisions remain outside Itemizeit’s control.

When your purchase becomes final

You authorize Itemizeit to begin personalized work on your case after purchase.

Once personalized work begins, the applicable purchase becomes final and non-refundable, except where otherwise stated in this policy or required by law.

Personalized work may include:

• Unlocking paid case findings or analysis
• Preparing documents specific to your bill or case
• Generating dispute, clarification, or follow-up communications
• Preparing or submitting email or physical correspondence
• Beginning advocate review or work on your case

If you request cancellation before personalized work has begun, contact us at hello@useitemizeit.com.

Provider outcomes are not grounds for a refund

A refund is not provided solely because:

• A provider denies or rejects a dispute
• A provider confirms that its charges are correct
• A provider or insurer does not respond
• Your balance does not decrease
• A requested adjustment, discount, or correction is not granted
• You disagree with or are dissatisfied with a provider’s or insurer’s decision

These outcomes do not, by themselves, mean Itemizeit failed to provide the service you purchased.

Certified Mail and other mailing add-ons

Certified Mail and other mailing upgrades are purchased per mailing.

A mailing add-on becomes final once the mailing has been prepared for or submitted to the applicable mailing provider. Mailing fees are separate from the underlying Itemizeit service and are not credited toward later package upgrades.

Extended Follow-Up add-on

Extended Follow-Up is a separate service covering the additional follow-up period shown at the time of purchase.

Once personalized extended follow-up work begins, the add-on becomes final and non-refundable except as required by law.

Advocate upgrades

An Advocate upgrade purchases additional human review and advocate services. It is separate from services or add-ons previously purchased.

Previous purchases are not applied as credits toward the cost of an Advocate upgrade because those purchases covered separate services that were already provided or initiated.

For example:

• We Handle the Paperwork: $49 + Certified Mail: $15 + later Advocate upgrade: $50 = $114 total
• Action Plan: $29 + later Advocate upgrade: $70 = $99 total

Once an Itemizeit Advocate begins personalized work on the case, the Advocate upgrade becomes final and non-refundable except as required by law.

Exceptions

Nothing in this policy limits or waives any consumer right that cannot legally be waived.

Itemizeit will review refund or correction requests involving:

• Verified duplicate charges by Itemizeit
• Verified unauthorized purchases
• Itemizeit’s failure to provide a material portion of the purchased service
• A service that Itemizeit is unable to provide
• Any refund, cancellation, or other remedy required by applicable law

Approval of a refund under one of these circumstances does not create a right to refunds in other cases.

Chargebacks and billing questions

If you believe you were charged incorrectly, charged more than once, or did not authorize a purchase, please contact Itemizeit first so we can investigate the transaction.

Contact

Questions about purchases, billing, or this policy can be sent to:

Itemizeit
HMH Holdings LLC d/b/a Itemizeit
hello@useitemizeit.com