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.

For these Terms, “Subscriber” means the individual or organization purchasing or using the paid Service, and “Authorized User” means an individual whom Subscriber permits to use its account or workspace.

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 designed for professional and business use. This description does not waive or limit any nonwaivable consumer, small-business, privacy, or automatic-renewal right that applies to a particular Subscriber or 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.

Subscriptions and automatic renewal. Each paid subscription renews automatically until canceled. Before Subscriber authorizes payment, checkout will state the selected plan, price, currency, amount due at purchase, billing interval, renewal date or frequency, cancellation method, and applicable refund terms. Monthly subscriptions renew each month. Annual subscriptions renew each year.

Subscriber authorizes Hyboria, Inc. d/b/a RateScope and its payment processor to charge the payment method provided at the beginning of each billing period, including applicable taxes, until cancellation. The payment method must remain current. A failed charge may result in suspension, downgrade, or termination after any notice required by law.

Stripe processes subscription payments. Hyboria, Inc. d/b/a RateScope is the seller and merchant unless the checkout expressly identifies Stripe as merchant of record under an activated Stripe Managed Payments arrangement.

Renewal reminders. RateScope will send renewal reminders required by applicable law. Every continuously renewing subscription will receive at least one reminder during each continuous 12-month period. For an annual subscription, RateScope will send a retainable electronic reminder 30 days before renewal. For a monthly subscription, RateScope will send a reminder between 25 and 40 days before the monthly renewal that would extend the subscription beyond each successive continuous 12-month period. A reminder will identify the plan, renewal date, renewal amount or charging frequency, and a direct cancellation link.

Price changes. RateScope will provide a clear, retainable notice at least 30 calendar days before increasing the price of an existing subscription. The notice will state the new price, effective date, and a direct cancellation method. If Subscriber continues the subscription and does not cancel before the effective date, RateScope will charge the new price beginning on that date. Subscriber may cancel before the effective date to avoid the increase or select another available plan.

Plan changes. A Subscriber-requested change to another plan or billing interval takes effect as disclosed during the change flow. RateScope will disclose any immediate charge, credit, proration, new recurring price, and new renewal date before Subscriber confirms the change.

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.

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.

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.

Customer Data.As between the parties, Subscriber retains all right, title, and interest in data and content submitted to the Service by Subscriber or its Authorized Users, including saved payer-contracted rates and practice economics (“Customer Data”). Subscriber grants Hyboria, Inc. and its service providers a nonexclusive, limited, royalty-free license to host, copy, transmit, process, and display Customer Data solely as necessary to provide, secure, support, and maintain the Service for Subscriber; comply with applicable law; and exercise rights expressly stated in these Terms and the Privacy Policy. RateScope acquires no ownership interest in Customer Data. Subscriber represents and warrants that it has all rights and authority needed to provide Customer Data and direct RateScope to process it. This license ends when the applicable Customer Data is deleted, except for restricted evidence retained only as expressly described in the Privacy Policy or required by law.

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.

No PHI; no BAA.The Service is not designed to receive protected health information (“PHI”), and RateScope does not agree to act as a HIPAA business associate. Subscriber must not submit patient names, dates of birth, medical-record numbers, member identifiers, diagnosis or treatment information, clinical notes, or other patient-level data. Subscriber must not use the Service for a workflow that requires a business associate agreement. Subscriber must contact RateScope before use if it believes a proposed workflow may involve PHI.

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 Transparency in Coverage machine-readable files publicly disclosed under 45 C.F.R. § 147.212, using the definitions in 45 C.F.R. § 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.

If Subscriber chooses to save exact payer-contracted rates or related contract economics (“Exact Economics”), RateScope will hold them as Customer Data confidential to Subscriber’s organization. RateScope does not make Exact Economics available to any other subscriber organization, and the Service under this contract epoch contains no product path for cross-customer visibility or output.

Access to Exact Economics requires an authenticated session that has satisfied multi-factor authentication and is limited by organization-scoped row-level access controls to authorized users of that organization. RateScope uses encryption in transit of TLS 1.2 or higher and industry-standard encryption at rest. Audit records may record the actor, organization, timestamp, and operation, but do not record the saved dollar value. RateScope excludes Exact Economics values from product analytics, telemetry, application logs, error-monitoring payloads, and ordinary support tooling.

RateScope personnel do not have routine support access to Exact Economics; ordinary support is customer-mediated. Any access or disclosure required to address a security or data-integrity incident or valid legal process will be limited to what is reasonably necessary, authorized, access-controlled, and logged.

Under this contract epoch, RateScope does not combine Exact Economics across subscriber organizations, use Exact Economics to produce subscriber-powered peer benchmarks, cohort statistics, recommendations, or any other cross-customer output, or use Exact Economics to generate output for another subscriber. RateScope may use value-free operational measurements and diagnostics that do not contain Exact Economics values.

RateScope retains Exact Economics while the subscription is active. If Subscriber cancels without confirming account closure or requesting deletion, RateScope may retain Exact Economics for up to 90 days solely to permit reactivation and then deletes them. Confirmed account closure or deletion follows the Privacy Policy and does not preserve Exact Economics for product, analytics, benchmarking, marketing, or commercial reuse.

RateScope may disclose Exact Economics only to the extent required by valid legal process served on RateScope. Unless prohibited by law or an emergency makes prior notice impracticable, RateScope will give the affected Subscriber reasonable advance notice and an opportunity to seek protective relief. RateScope will disclose only the portion it reasonably believes is legally required.

Cancellation.Subscriber may cancel at any time through Account settings > Manage billing. Online cancellation will remain available immediately after reasonable authentication and will not require contacting support or completing a step that obstructs or delays cancellation. Cancellation stops future renewals and takes effect at the end of the current paid period. Access continues through that date. Except where applicable law or the Refund Policy requires otherwise, fees already paid are nonrefundable and RateScope does not prorate partial periods.

New York price-change remedy. A New York subscriber may cancel within 14 calendar days after the first charge at an increased subscription price. RateScope will issue a prorated refund for the unused portion of that billing period.

14-day money-back guarantee — first paid subscription. A new paying subscriber may request a full refund of the first subscription charge within 14 calendar days after that charge. The guarantee applies once per individual customer and organization, does not apply to renewals, overage charges, separately purchased services, or implementation fees, and does not apply where an Enterprise order form expressly states a different refund term. To request a refund, email support@ratescope.co from the account email address within the 14-day period. RateScope will cancel the subscription and return the eligible charge to the original payment method. The full policy is published at Refund Policy.

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.

Electronic records. You consent to receive these Terms, billing acknowledgments, renewal reminders, price-change notices, and other subscription records electronically at the email address associated with your account. You may withdraw this consent by contacting support, although withdrawal may require cancellation if RateScope cannot lawfully administer an online subscription without electronic records. You may save or print the records. Access requires an internet-connected device capable of displaying web pages and email and retaining or printing those records.

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.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, RATESCOPE’S TOTAL AGGREGATE LIABILITY ARISING OUT OF OR RELATING TO THE SERVICE OR THESE TERMS WILL NOT EXCEED THE GREATER OF (A) THE FEES PAID OR PAYABLE BY SUBSCRIBER FOR THE SERVICE DURING THE 12 MONTHS BEFORE THE EVENT GIVING RISE TO LIABILITY OR (B) $100. THE LIMITATIONS IN THIS SECTION DO NOT APPLY TO FRAUD, WILLFUL MISCONDUCT, GROSS NEGLIGENCE, BREACH OF RATESCOPE’S CONFIDENTIALITY OBLIGATIONS REGARDING CUSTOMER DATA, OR LIABILITY THAT APPLICABLE LAW DOES NOT PERMIT RATESCOPE TO LIMIT.

Subscriber will defend, indemnify, and hold harmless Hyboria, Inc. and its officers, directors, and employees from third-party claims to the extent arising from Customer Data supplied by Subscriber or Subscriber’s use of the Service in violation of these Terms or applicable law. RateScope will provide prompt notice and reasonable cooperation. Subscriber may not settle a claim in a manner that admits fault by or imposes a nonmonetary obligation on RateScope without RateScope’s written consent.

RateScope may make editorial revisions that do not change legal meaning or customer consequences, and those revisions may take effect when posted. A Material Change identified by the Material-Change Matrix will take effect for a Subscriber only after conspicuous notice and the Subscriber’s affirmative acceptance under a new contract epoch. Continued use alone does not constitute acceptance of a Material Change.

These Terms are governed by the laws of the State of Delaware, without regard to conflict-of-laws rules, except that this choice does not deprive a consumer or qualifying small-business purchaser of a nonwaivable protection supplied by otherwise applicable law.

If an Enterprise order form or checkout confirmation conflicts with these Terms, that order form or checkout confirmation controls only as to the selected plan, seats, price, currency, billing interval, subscription term, and any expressly negotiated Enterprise provision. These Terms control in all other respects.

Informal resolution. Before filing an arbitration or court action, the claimant must send written notice describing the claim and requested relief to support@ratescope.co and Hyboria, Inc., 8063 Challis Rd. #1054, Brighton, MI 48116. The parties will attempt in good faith for 30 days to resolve the dispute. Any applicable limitations period is tolled during that 30-day period.

Agreement to arbitrate.Except for the exclusions below, any dispute arising out of or relating to the Service, these Terms, or the parties’ relationship will be resolved by binding individual arbitration administered by the American Arbitration Association (“AAA”) under its Consumer Arbitration Rules when those rules apply and otherwise under its Commercial Arbitration Rules, in each case as modified by these Terms. The Federal Arbitration Act governs this agreement. The arbitrator may award any remedy available in an individual court action.

Exclusions. Either party may bring an individual action in small-claims court if the claim qualifies. Either party may seek temporary or preliminary injunctive relief in court to protect intellectual property, confidential information, or system security while arbitration is pending. A claim for public injunctive relief that applicable law makes nonwaivable may be decided by a court after the arbitrator resolves all arbitrable issues.

No class proceedings. To the fullest extent permitted by law, disputes may be brought only in an individual capacity and not as a plaintiff or class member in any class, collective, consolidated, coordinated, representative, or private-attorney-general proceeding. The arbitrator may not combine claims or preside over a class or representative proceeding. This paragraph does not prevent application of the AAA Mass Arbitration Supplementary Rules when AAA determines those rules apply to individually filed demands.

Location and fees. Hearings will occur by video, telephone, document submission, in the county where the claimant resides, or at another mutually agreed location. Consumer fees will be allocated under the AAA Consumer Rules, and RateScope will pay amounts those rules or applicable law require it to pay.

Opt out. A new Subscriber may opt out of this arbitration agreement by emailing support@ratescope.co within 30 days after first accepting these Terms. The notice must identify the Subscriber and account and state that the Subscriber opts out of arbitration. Opting out will not affect access to the Service.

Severability. If part of this arbitration agreement is unenforceable, it will be severed to the minimum extent necessary. If the class-action waiver is unenforceable as to a particular claim or remedy, that claim or remedy will proceed in court after completion of any arbitrable matters.

Court venue. A dispute not subject to arbitration or small claims will be brought in the state or federal courts located in Delaware, and each party consents to their jurisdiction, subject to any nonwaivable right to bring the dispute elsewhere.

U.S.-only Service. The paid Service is offered only to organizations established in the United States for use in the United States. Subscriber represents that its subscribing organization is established in the United States and will not purchase or deploy the paid Service for operations outside the United States. RateScope may restrict access that does not satisfy this requirement.

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

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