Terms & Conditions

These Terms & Conditions apply to your use of the RateScope website and subscription platform, including public benchmark preview pages, the authenticated subscriber workspace, programmatic payer-rate reference pages, and all features, APIs, and digital content delivered through the service.

By creating an account, starting a subscription, or otherwise using the service, you agree to these terms. If you do not agree, do not use the service.

Submitting your email address to a waitlist or notify-me form is subject to the Privacy Policy waitlist terms; no purchase is required and no subscription is created at the time of signup. These terms apply fully once you create an account or start a subscription.

RateScope is designed for therapists, group practice operators, billing and credentialing teams, and advisors making business or operational decisions. The service is offered for commercial and internal business use, not as a consumer product.

By subscribing or using the service, you represent that you are doing so for commercial or internal business purposes, not as a consumer transaction.

The service is not directed to children and is not designed for submission or handling of patient records, clinical files, or other protected health information.

RateScope offers subscription plans on a monthly or annual basis. Current tiers are: Pulse ($12/month), Pro ($69/month), Group ($499/month), Group Plus ($799/month), and Enterprise (custom pricing). Annual plans are available at a discount. Prices, plan features, and tier definitions are displayed on the Plans page and in the subscriber account portal; the Plans page governs in the event of any conflict with these terms.

Subscriptions are billed automatically through Stripe. By subscribing, you authorize Stripe to charge your payment method on the recurring billing cycle you selected. Billing continues until you cancel. You are responsible for keeping your payment information current; failed charges may result in suspension or downgrade of service.

Account creation and authentication are handled through Clerk. You are responsible for maintaining the security of your account credentials and for all activity that occurs under your account.

We may change subscription prices or plan features on reasonable notice. If we increase the price of your current plan, we will notify you by email and give you the opportunity to cancel before the increase takes effect. Continued use after the effective date of a price change constitutes acceptance of the new price.

For Group and Group Plus subscribers, seat and clinician counts are defined per plan. Overages are billed at the applicable overage rate for each billing period in which a limit is exceeded. Enterprise subscribers are governed by a separate order form.

Subject to these terms, we grant you a limited, non-exclusive, non-transferable license to access and use the RateScope platform and the benchmark data it provides, for your own internal business purposes during your active subscription.

• Use within your own practice, team, billing function, credentialing staff, or internal decision process is allowed.
• Sharing individual benchmark data points or outputs with your own advisors, accountants, lawyers, or consultants is allowed when it supports your internal use.
• The license terminates when your subscription ends. It does not transfer ownership of the platform, the underlying data, or any report output.

RateScope is an informational benchmark platform intended to support independent, practice-level decisions made by each subscribing organization. Each subscriber is the sole decision-maker for its own business: which panels to join or leave, how to structure contract conversations with payers, how to set internal pricing for private-pay work, or whether to act on the information at all.

You represent that you are using the service and any platform outputs for your own independent business analysis. RateScope does not negotiate on your behalf, does not organize collective action among providers, and does not facilitate agreements among practices that compete with each other. Any decision informed by RateScope data remains your decision, made in your own commercial judgment.

Benchmark data published through the platform derives from publicly required Transparency in Coverage machine-readable files. The platform applies this data as unilateral analytics — it describes observed market distributions and your practice’s position within them. It does not prescribe rates for any provider or coordinate outcomes across providers.

You may not:

• redistribute, resell, sublicense, post publicly, or publish benchmark outputs from the platform outside your organization, including to practices that compete with yours;
• use the service to build a competing benchmark product, report library, or data service from our packaged output;
• use the service for unlawful coordination, price-fixing, market allocation, collective rate demands, harassment, or other anticompetitive conduct;
• use RateScope data or outputs as the data backbone of collective-bargaining activity, coordinated-negotiation workshops, or any forum in which independent practices align on shared fee targets, shared payer-response strategy, or shared panel-participation decisions;
• use RateScope outputs in association-like settings where competing providers discuss common fee levels, common payer positions, or common contract terms;
• misrepresent our benchmark outputs as a promise of your own future contract terms or payment results;
• scrape, crawl, or systematically extract data from the platform except through authorized APIs;
• attempt to reverse-engineer, decompile, or extract proprietary methodology, data pipelines, or scoring logic; or
• submit patient records, treatment data, diagnosis codes, member numbers, or other information you do not have the right to share.

RateScope benchmark data is built from publicly required Transparency in Coverage machine-readable files and related public reference data. It is provided for informational purposes only.

• Data source: benchmark inputs come from publicly required Transparency in Coverage files published under 45 CFR § 147.210, and from public provider reference sources such as NPPES.
• No affiliation: RateScope is not affiliated with, sponsored by, or endorsed by any named payer.
• No professional advice: nothing on the platform is legal, financial, medical, reimbursement, or negotiation advice.
• No guarantee: benchmark figures are observed public distributions, not a promise of your own contract rate, renewal terms, or future payment.
• Aggregation only: the platform publishes aggregate benchmark statistics derived from public data. It is not an individual provider-rate lookup product.
• Contract review: subscribers should review their payer contracts to confirm there are no remaining restrictions on use of external benchmarking materials.

The service is provided on an “as is” and “as available” basis to the fullest extent permitted by law. We do not warrant that the platform will always be uninterrupted, error-free, complete, or fit for a particular purpose.

Paid subscribers can save exact payer-contracted rates and related economics in the RateScope workspace to compare, plan, model, and review their reimbursement position. Those values are stored on RateScope servers as org-confidential product data scoped to your organization, protected by:

• multi-factor authentication on the session that reads or writes them;
• row-level access controls that restrict reads and writes to authorized members of your organization;
• encryption in transit (TLS 1.2+) and at rest (AES-256);
• audit logs that record the actor, organization scope, timestamp, and operation, but never the exact dollar value; and
• structural redaction from product telemetry, application logs, and error-monitoring payloads.

Exact payer-contracted values stored in this default mode are never aggregated into shared benchmarks, never published in cohort statistics, never visible to other subscribers, and never used to coordinate, suggest, or recommend pricing across practices. The Privacy Policy describes this storage model in further detail under “Exact payer-contracted economics (default).”

Because this default storage holds your exact rates on RateScope servers as org-confidential product data, RateScopemay be compelled to produce those values in response to a valid subpoena, court order, or other lawful legal demand directed to your organization’s data. Subscribers who require a strictly non-recoverable custody model may elect the optional advanced Zero-knowledge vault described in the next section.

The Zero-knowledge vault is an optional advanced custody mode separate from the default org-confidential storage described in the previous section. It is intended for subscribers who require a custody model in which RateScope structurally cannot read or produce the underlying exact rates. The vault applies only to values you have explicitly stored in the vault; it does not change how exact payer-contracted economics are stored or handled in the default mode.

When available, Pro and higher subscribers may opt into the RateScope zero-knowledge vault to store exact payer-contracted rate values as ciphertext. The vault is an encrypted client-side storage mechanism: your browser derives an encryption key from your vault passphrase and encrypts your data before it is sent to our servers. RateScope servers store only ciphertext for values placed in the vault. For values stored in the vault, we cannot decrypt the vault contents and cannot produce the underlying exact contracted rates in plaintext — including in response to a subpoena or legal demand. This subpoena-non-recoverability claim applies only to values stored in the vault; it does not apply to exact payer-contracted economics stored under the default org-confidential model described in the previous section.

Your vault passphrase is your responsibility. If you lose your passphrase and all vault recovery codes, your vault contents are permanently inaccessible. RateScope cannot recover vault contents under any circumstances. We can only delete the encrypted records to allow you to start over.

The optional advanced vault (zero-knowledge custody) is available to Pro, Group, Group Plus, and Enterprise subscribers. Pulse subscribers do not have vault access. Default exact payer-contracted economics storage (the org-confidential SaaS custody described in the section above) is included in all paid tiers, including Pulse. If your subscription downgrades below Pro, your vault ciphertext is preserved but inaccessible until you re-upgrade; your default exact-economics records remain accessible at your current tier.

You may cancel your subscription at any time through the account portal. Cancellation takes effect at the end of the current billing period; you retain full access until then. We do not prorate or refund remaining days in a paid period after cancellation.

RateScope offers a 14-day money-back guarantee for new subscribers. If the platform does not provide useful information about your reimbursement position, email support@ratescope.co within 14 days of your initial subscription purchase and we will refund your first payment in full. The full policy is at Refund Policy and governs in the event of any conflict with these Terms.

If a platform feature does not function correctly, contact support@ratescope.co for support. Remedies may include a corrected experience, a credit, or a refund at our discretion.

To the fullest extent permitted by law, RateScope will not be liable for indirect, incidental, special, consequential, or punitive damages arising from the service, including lost profits, lost contracts, lost business opportunities, or reliance on benchmark information.

If we are found liable for a claim relating to the subscription service, our total liability for that claim will not exceed the amount you paid for the subscription in the three months preceding the claim.

You agree to indemnify and hold RateScope harmless from claims arising from your misuse of the service, your unlawful or prohibited conduct, your redistribution of platform outputs, or your violation of these terms.

We may update these terms from time to time. If we make material changes, we will notify active subscribers by email before the changes take effect. Continued use of the service after the effective date constitutes acceptance of the revised terms.

• Brand/operator name: RateScope
• Legal entity: Hyboria, Inc., a Delaware corporation
• Notice address: 8063 Challis Rd. #1054, Brighton, MI 48116
• Governing law: Delaware

For support, cancellation, privacy requests, or legal notices, contact support@ratescope.co.