Later Today Inc., operating as BillSherpa · Effective: May 3, 2026 · Last Updated: May 16, 2026
By accessing or using BillSherpa's services at billsherpa.com (the "Service"), you ("User," "you," or "Patient") agree to be bound by these Terms and Conditions ("Terms"). If you do not agree to all of these Terms, do not use the Service.
These Terms govern your use of BillSherpa, a patient billing advocacy service operated by Later Today Inc. ("Company," "we," "us," or "our"), a corporation incorporated under the laws of Ontario, Canada. BillSherpa is a brand name of Later Today Inc. We reserve the right to update these Terms at any time. Your continued use of the Service after any modification constitutes acceptance of the updated Terms.
By checking the consent box on our intake form and submitting your medical bill, you confirm that you have read, understood, and agreed to these Terms and our Privacy Policy.
BillSherpa is a patient billing advocacy service. We provide:
Our analysis checks each submitted bill against the following ten (10) federal laws and regulatory frameworks:
We may add, remove, or update the regulatory frameworks we apply as laws change. We do not guarantee that our analysis reflects the most current version of any regulation at the time of your submission.
BillSherpa is NOT and does NOT provide:
Our analysis is performed using artificial intelligence tools and reviewed by qualified contractors. We make no warranty that our analysis is complete, accurate, or free from error.
You must be at least 18 years of age to use the Service. By using the Service, you represent and warrant that:
We reserve the right to refuse service to anyone for any reason at any time.
The initial bill scan — which returns the total estimated savings identified — is provided free of charge. No payment information is required to receive your estimated savings summary.
To access your full error report and dispute letter, a one-time flat fee is required:
The applicable unlock fee will be displayed to you before any payment is requested. Payment is processed securely through Stripe, Inc. We do not store your payment card information.
All fees are quoted in United States Dollars. Currency conversion fees charged by your bank or card issuer are your responsibility.
We may offer subscription-based plans in the future. Where offered: fees will be clearly disclosed before enrollment; subscriptions auto-renew unless cancelled before the renewal date; you may cancel at any time by contacting hello@billsherpa.com with effect at the end of the current billing period; pricing changes will be communicated with 30 days written notice; failed payments may result in suspension of access.
You are responsible for any applicable taxes, duties, or levies arising from your purchase of the Service.
All payments are final and non-refundable once your full error report and dispute letter have been delivered. We will consider refund requests only where: you were charged more than once due to a technical error on our part; you did not receive your report within 24 hours and our support team was unable to resolve it; or a material technical failure on our part prevented report generation.
To request a refund, contact hello@billsherpa.com within 7 days of payment with your confirmation and a description of the issue. Dissatisfaction with findings or the hospital's response to your dispute letter does not constitute grounds for a refund.
Please read this section carefully. BillSherpa provides tools and information to assist you in disputing potential billing errors. We make absolutely no guarantee regarding whether any identified issue is an actual billing error, whether your dispute will be successful, or whether any amount will be recovered.
Medical billing is complex, provider-specific, and subject to numerous payer contracts, policies, and interpretations that are not publicly available and are beyond our ability to assess. Our analysis is based on the ten regulatory frameworks listed in Section 2.1 and may not reflect the specific circumstances, contracts, or documentation applicable to your bill. Past results do not guarantee similar results for you.
Our Service uses artificial intelligence technology to analyse your bill. You acknowledge and agree that:
You may wish to consult a licensed medical billing professional, healthcare attorney, or patient advocate before sending a dispute letter.
Nothing in the Service — including the error report, dispute letter, regulatory citations, statute references, or any communication from BillSherpa — constitutes legal advice. No attorney-client relationship is formed between you and Later Today Inc. or any of its contractors, employees, or affiliates by your use of the Service.
The dispute letters we generate cite publicly available federal and state regulations for informational purposes. These citations are not legal opinions. If you require legal advice, please consult a licensed attorney in your jurisdiction.
By using the Service, you agree to:
You are solely responsible for how you use the reports and letters we provide, including your decision to send a dispute letter and any consequences that result.
The Service, including its software, design, content, prompts, analysis methodology, and branding, is owned by Later Today Inc. and protected by applicable intellectual property laws. The error reports and dispute letters we generate for you are licensed to you for your personal use in connection with the specific bill you submitted. You may not resell, sublicense, or commercially distribute any output of the Service. You retain ownership of your medical bill and personal information you provide.
Your submission will contain Protected Health Information (PHI) as defined under HIPAA. Our collection, use, and protection of your PHI is governed by our Privacy Policy, incorporated into these Terms by reference. We operate as a Business Associate under HIPAA. We do not sell your PHI. We do not use your PHI to train AI models. We retain your PHI for six years as required by HIPAA and then securely destroy it.
The Service relies on third-party providers including payment processors, cloud storage, AI services, and PDF generation services. We are not responsible for the acts or omissions of any third-party provider. We maintain Business Associate Agreements with providers who process PHI but cannot guarantee their performance, availability, or security practices.
You acknowledge that the limitations of liability in this section reflect a reasonable allocation of risk and are an essential element of the basis of the bargain between us.
You agree to defend, indemnify, and hold harmless Later Today Inc. and its officers, directors, employees, contractors, and affiliates from and against any claims, damages, losses, costs, and expenses (including reasonable attorneys' fees) arising out of or relating to: your use of the Service; your violation of these Terms; your violation of any applicable law; any false or inaccurate information you provided to us; any dispute between you and a healthcare provider, insurer, or collection agency; or your use of any report or letter we provided.
We do not warrant that the Service will be uninterrupted or error-free, that any error identified by our analysis is an actual billing error, or that any dispute letter will produce a favourable outcome.
Before filing any formal dispute, you agree to contact us at hello@billsherpa.com and give us 30 days to attempt to resolve the issue informally.
If informal resolution fails, any dispute, claim, or controversy arising out of or relating to these Terms or the Service shall be resolved by binding arbitration administered by the American Arbitration Association or ADR Chambers under its then-current rules, rather than in court, except as provided in Section 16.4.
Nothing in this section prevents either party from seeking injunctive or equitable relief for matters involving intellectual property infringement, data privacy violations, or emergency relief.
These Terms are governed by the laws of the Province of Ontario and the federal laws of Canada applicable therein, without regard to conflict of law principles. For any matters not subject to arbitration, you consent to the exclusive jurisdiction of the courts of the Province of Ontario, Canada.
We reserve the right to suspend or terminate your access to the Service at any time, with or without notice, for any reason including violation of these Terms, suspected fraudulent activity, or discontinuation of the Service. Provisions that by their nature should survive termination — including intellectual property, limitation of liability, indemnification, and dispute resolution — shall survive.
We reserve the right to modify, suspend, or discontinue any part of the Service at any time without notice or liability. Fee changes will be communicated on our website and will not affect orders already placed.
If any provision of these Terms is found to be unenforceable or invalid, that provision shall be modified to the minimum extent necessary to make it enforceable, or severed if modification is not possible, and the remaining provisions shall continue in full force. These Terms, together with our Privacy Policy, constitute the entire agreement between you and Later Today Inc. regarding the Service.
Later Today Inc.
Email: hello@billsherpa.com
Website: billsherpa.com
We will respond to all enquiries within 30 days.