MedBillPay911 Terms of Service
Last updated: October 19, 2026
DRAFT — FOR ATTORNEY REVIEW. This draft is a starting point and not legal advice. Have counsel review before publishing, particularly the arbitration, liability, and governing-law sections. Bracketed items require your input.
1. Agreement
These Terms of Service ("Terms") are an agreement between you and Medical Billing and Consulting 911 (MBC911) ("MedBillPay911," "we," "us") governing your use of the MedBillPay911 website, patient payment portal, and staff application (the "Services"). By using the Services, you agree to these Terms. If you do not agree, do not use the Services.
MedBillPay is a joint venture between Cedric LaRue and Sandra Owens and a product of Medical Billing and Consulting 911 (MBC911), a Texas single-member LLC, located at 10998 South Wilcrest Drive, Suite 206, Houston, TX 77099.
ATTORNEY REVIEW REQUIRED: Confirm the operating entity's legal designation and entity-type wording, and review the governing-law and venue clause in Section 12. The existing bracketed law/venue choices remain unresolved; this identity update does not approve them.
If you use the Services as staff of a healthcare practice ("Practice"), your Practice's separate services agreement with MedBillPay911 also applies, and that agreement controls if it conflicts with these Terms.
2. What the Services are — and are not
MedBillPay911 provides billing statements, payment processing, and related communications on behalf of your Practice. MedBillPay911 is not a healthcare provider, insurer, or debt collector, and does not provide medical, legal, or financial advice.
The amounts shown on your statement are determined by your Practice. Questions or disputes about charges, services rendered, insurance processing, or your balance should be directed to your Practice. MedBillPay911 displays and collects amounts as instructed by the Practice.
3. Eligibility and accounts
You must be at least 18 years old to create a portal account. You are responsible for keeping your login credentials confidential and for activity under your account. Notify us promptly at info@medbillpay911.com if you suspect unauthorized access. Staff accounts must use the two-factor authentication the Services require.
Automatically created records. When your Practice enrolls you in its billing program, a patient billing record — and, where the Practice enables it, a portal account invitation — may be created for you automatically using information the Practice provides. You are not charged for the portal, and using it is optional; your obligation to pay your Practice exists regardless. To change how you receive billing communications, contact your Practice or use the preferences in the portal.
You agree that the information you provide — including identity-verification details and contact information — is accurate and current.
4. Payments
- Payments are processed by our third-party payment processor, [Stripe, Inc.]. By submitting a payment, you authorize the charge to your selected payment method for the amount shown.
- If you save a payment method, you authorize its storage as a secure reference with the processor for future payments you initiate.
- Receipts are provided electronically through the portal and/or email.
- Refunds, adjustments, and billing disputes are handled by your Practice. MedBillPay911 processes refunds only at the Practice's direction. Nothing in these Terms limits your rights under card-network rules or applicable law.
- Returned or failed payments may result in your balance being restored and your Practice being notified.
5. Electronic communications consent
By providing an email address or mobile number and using the Services, you consent to receive billing-related communications electronically, including statements, receipts, payment reminders, and security notifications. Electronic statements have the same effect as paper statements. You may withdraw consent by contacting your Practice, which may then deliver statements by other means.
5.1 Text messaging (SMS) terms
MedBillPay911 sends text messages to patients on behalf of their healthcare Practice. Messages relate to your billing account and may include statement notifications, payment confirmations, payment reminders, and account security codes (such as login verification).
- Consent. Messages are sent only where your Practice has indicated that consent to receive text communications has been obtained in accordance with applicable law. For questions about how your consent was collected, contact your Practice.
- Message frequency varies based on your Practice's billing configuration and your account activity. The number and timing of billing messages are determined by your Practice.
- Message and data rates may apply. Contact your wireless carrier for details about your messaging plan.
- Opt out at any time by replying STOP to any message. You will receive a one-time confirmation, and no further text messages will be sent, except security messages required to protect your account if you continue to use two-factor authentication by SMS. You may also update communication preferences through the portal or by contacting your Practice at [PRACTICE SUPPORT CONTACT] or MedBillPay911 at info@medbillpay911.com / (281) 701-8950.
- Help. Reply HELP to any message, or contact info@medbillpay911.com / (281) 701-8950, [SUPPORT HOURS].
- Carriers are not liable for delayed or undelivered messages. Text messaging is supported on major U.S. carriers; service may not be available on all carriers or in all areas.
- No marketing use. Your consent to receive text messages, and your mobile opt-in information, are not shared with or sold to third parties for their marketing purposes.
Opting out of billing texts does not eliminate your responsibility for amounts you owe; your Practice may contact you by other means, including email or mail.
6. Acceptable use
You agree not to: use the Services for any unlawful purpose; access another person's account or records without authorization; probe, scan, or test the vulnerability of the Services without written permission; interfere with the operation of the Services; upload malicious code; scrape or bulk-download data; misrepresent your identity; or use the Services to harass or defraud any person.
We may suspend or terminate access for violations of this section, suspected fraud, or risk to the security of the Services or other users.
7. Intellectual property
The Services, including software, design, and content (excluding your information and your Practice's information), are owned by MedBillPay911 or its licensors. We grant you a limited, non-exclusive, non-transferable license to use the Services for their intended purpose. You may not copy, modify, distribute, reverse engineer, or create derivative works of the Services except as permitted by law.
8. Privacy
Our [Privacy Policy] describes how we handle information, including the special status of health information processed on behalf of your Practice under HIPAA. The Privacy Policy is incorporated into these Terms.
9. Disclaimers
THE SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE." TO THE FULLEST EXTENT PERMITTED BY LAW, MEDBILLPAY911 DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICES WILL BE UNINTERRUPTED, ERROR-FREE, OR SECURE, OR THAT STATEMENT AMOUNTS DETERMINED BY YOUR PRACTICE ARE ACCURATE.
Some jurisdictions do not allow certain warranty disclaimers, so parts of this section may not apply to you.
10. Limitation of liability
TO THE FULLEST EXTENT PERMITTED BY LAW: (a) MEDBILLPAY911 WILL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR FOR LOST PROFITS, REVENUES, OR DATA; AND (b) MEDBILLPAY911'S TOTAL LIABILITY ARISING OUT OF OR RELATING TO THE SERVICES WILL NOT EXCEED THE GREATER OF [ONE HUNDRED DOLLARS ($100)] OR THE FEES PAID BY YOU TO MEDBILLPAY911 (NOT AMOUNTS PAID TO YOUR PRACTICE) IN THE TWELVE MONTHS BEFORE THE CLAIM AROSE.
Nothing in these Terms limits liability that cannot be limited by law, including liability arising under HIPAA obligations owed to your Practice under a Business Associate Agreement.
11. Indemnification
You agree to indemnify and hold harmless MedBillPay911 from claims arising out of your violation of these Terms or misuse of the Services, except to the extent caused by MedBillPay911's own negligence or willful misconduct.
12. Dispute resolution [REVIEW WITH COUNSEL]
Informal resolution first. Before filing a claim, you agree to contact us at info@medbillpay911.com and attempt to resolve the dispute informally for 30 days.
Arbitration. [OPTIONAL — DISCUSS WITH COUNSEL: Any dispute not resolved informally will be resolved by binding individual arbitration administered by the American Arbitration Association under its Consumer Arbitration Rules, rather than in court, except that either party may bring an individual claim in small-claims court. Class actions and class arbitrations are waived. You may opt out of this arbitration provision within 30 days of first accepting these Terms by emailing info@medbillpay911.com.]
Governing law. These Terms are governed by the laws of the State of [Texas], without regard to conflict-of-law rules. Venue for any court proceeding lies in [COUNTY], [Texas].
13. Changes to the Services and Terms
We may modify the Services or these Terms. For material changes to the Terms, we will provide notice through the Services or by email, and the updated Terms will apply going forward from the effective date. Continued use after the effective date constitutes acceptance.
14. Termination
You may stop using the portal at any time; your obligation to pay your Practice is unaffected. We may suspend or terminate the Services as described in Section 6 or if our agreement with your Practice ends. Sections that by their nature should survive (including 7, 9, 10, 11, and 12) survive termination.
15. General
These Terms, together with the Privacy Policy and, for Practice staff, the applicable services agreement, are the entire agreement regarding the Services. If any provision is found unenforceable, the remainder stays in effect. Our failure to enforce a provision is not a waiver. You may not assign these Terms without our consent; we may assign them in connection with a merger, acquisition, or sale of assets.
16. Contact
Medical Billing and Consulting 911 (MBC911)
10998 South Wilcrest Drive, Suite 206, Houston, TX 77099