Terms and Conditions.

1. Acceptance and changes

1.1 Binding agreement. You accept these Terms by checking the acceptance box during signup, by signing a service agreement or order that references these Terms, or by using the Services in any way. The date you first accept is the Effective Date for your account.

1.2 Authority to bind. If you accept on behalf of a practice, group, hospital, billing company, or other organization, you represent that you have authority to bind that organization, and "you" means that organization.

1.3 Changes. We may update these Terms. The current version and its version date are always published on this page. Material changes take effect thirty days after we post them, or on the date you next accept them, whichever comes first. Continued use after that date is acceptance. We keep a record of the version each client accepted and when.

1.4 Order of precedence. If you have signed a separate written service agreement with us, that agreement controls where it conflicts with these Terms.

2. Who may use the Services

The Services are for healthcare providers, practices, and organizations, and for the vendors and billing companies that act on their behalf. They are intended for business use, not for consumers, and not for anyone under 18. You must provide accurate registration information and keep it current.

3. Accounts, portal access, and security

3.1 Credentials. You are responsible for everything done under your account. Keep passwords and portal links confidential and tell us immediately at hello@gocredentialing.com if you suspect unauthorized access.

3.2 Magic links. Some portal access is granted by a unique link rather than a password. Anyone holding that link can view the records it opens. Treat portal links like passwords, do not forward them, and ask us to regenerate a link if it may have been exposed. Regeneration is available at any time in portal Settings.

3.3 Two-factor authentication. Where we offer it, we strongly recommend enabling it on accounts that can view provider identity data.

4. What the Services are, and what they are not

4.1 Administrative services. We prepare, submit, and pursue credentialing and enrollment applications, maintain provider and practice data, and monitor compliance dates on your behalf. We act as your administrative agent, not as your legal counsel, not as your accountant, and not as a healthcare provider.

4.2 No legal advice. Nothing on the Site or in the Services is legal advice. Our published guides describe payer and state requirements as we have verified them from public sources, with the verification date shown. Rules change, and the responsibility for compliance decisions remains yours.

4.3 Not a payer or a network. We do not decide credentialing outcomes, set payer policy, or control payer timelines. We do not guarantee that any application will be approved, that any panel will be open, or that any network will accept you.

5. The credentialing disclaimer that matters most

5.1 Outcomes are not guaranteed. Credentialing and enrollment decisions belong entirely to the payer, the state, or the facility. We can prepare a complete and accurate application and pursue it diligently. We cannot promise approval, a particular effective date, retroactive billing, panel acceptance, or any specific timeline.

5.2 Timelines are estimates. Any timeline we quote, publish, or display, including in the Wait Times Index or in your portal, is drawn from the payer's own published figures or our observed experience. It is an estimate for planning, not a commitment, and not a term of this agreement.

5.3 Payer conduct. Payers lose applications, change requirements without notice, close panels, and miss their own stated windows. Where a state has a prompt credentialing statute we will cite it in escalation. We are not liable for delay, denial, or revenue loss caused by a payer, a state agency, a facility, or any third party.

5.4 Revenue and billing. Enrollment is not billing. We do not submit claims, guarantee reimbursement, or promise any level of revenue. Decisions about when to see patients, and under which billing arrangements, are yours and should be made with your own advisors.

6. Your obligations, and why accuracy is not optional

6.1 Truthful information. You must give us complete, accurate, and current information, including work history, licensure, disciplinary and malpractice history, and any affirmative disclosures. Applications are signed under penalty of perjury in many programs, including Medicare. Submitting false or incomplete information can constitute fraud and can result in denial, termination, exclusion, or criminal liability.

6.2 Disclosure consistency. If a provider has any reportable history, it must be disclosed consistently everywhere. Inconsistent disclosure across applications is itself grounds for denial. We will prepare disclosure language from the underlying records, but we cannot verify facts you do not tell us.

6.3 Cooperation and deadlines. Payers impose short deadlines on deficiency and development requests. Medicare development requests carry a thirty day deadline where no response means rejection. When we ask you for a document or a signature, timeliness is your responsibility, and delay caused by a missing item is not our liability.

6.4 Authority to act. By engaging us you authorize us to prepare and submit applications on your behalf, to communicate with payers and agencies about your files, and to access the systems you designate for that purpose.

6.5 Third-party portal credentials. If you give us login credentials for a payer portal, CAQH, PECOS, or any other third-party system, you represent that you are permitted to share them, and that doing so does not breach your agreement with that third party. We store such credentials encrypted and use them only to perform the Services.

7. Fees, invoicing, and refunds

7.1 Published pricing. Our current rates are published on the Site. The price applicable to your account is the one quoted to you in writing before work begins.

7.2 Payment terms. Invoices are due on receipt unless stated otherwise, with net thirty terms available. We may suspend work on accounts with balances materially past due, after notice.

7.3 Work performed. Fees are earned when the work is performed. Because an application consumes the work whether or not the payer approves it, fees for filed applications are not refundable based on the payer's decision. If we have not performed the work, you do not pay for it.

7.4 No lock-in. We do not require long term contracts for our standard services. Either party may stop with written notice; see section 8.

7.5 Taxes. Fees are exclusive of any applicable taxes, which are your responsibility.

8. Term, termination, and what happens to your files

8.1 Termination. Either party may terminate on written notice. We may suspend or terminate immediately for non-payment after notice, for misuse of the Site, or where continuing would require us to act unlawfully or to submit information we believe to be false.

8.2 Effect. On termination you remain responsible for fees for work already performed. Applications in flight will be handed over in their current state; we will tell you plainly what is pending and with whom.

8.3 Your data on exit. Your records remain yours. On request within ninety days of termination we will export your provider and application records in a usable format at no charge.

9. Your data, our platform

9.1 Ownership. You own the provider, practice, and document data you give us. We own the Site, the platform, our playbooks and research, and all software and content we create, including our published guides.

9.2 Licence to operate. You grant us the licence necessary to host, process, transmit, and display your data in order to provide the Services, including transmitting it to payers, agencies, and the service providers listed in our Privacy Policy.

9.3 Aggregate insight. We may use de-identified and aggregated information, which cannot identify you or any provider, to improve our playbooks, measure payer processing times, and publish research. We will never publish your name, your providers, or your identifiable data without permission.

10. Health information and HIPAA

10.1 Credentialing data is generally not PHI. The Services concern provider and practice business information: identifiers, licensure, education, work history, insurance, and enrollment status. That information is generally not Protected Health Information, and the Services are not designed to receive patient records.

10.2 Do not send patient data. Do not upload patient charts, claims with patient identifiers, or other PHI to the portal. If you need to share something that includes patient information, contact us first.

10.3 If a Business Associate Agreement is required. Where your circumstances require one, we will enter into a reasonable Business Associate Agreement, and its terms will control over these Terms for any PHI covered by it.

10.4 Sensitive personal information. Credentialing does require sensitive personal data such as Social Security numbers and dates of birth. We encrypt those fields at rest and restrict access to the people performing your work. See the Privacy Policy for detail.

11. Automated processing and artificial intelligence

11.1 What we automate. The platform uses automated tools, including third-party artificial intelligence services, to read documents you upload, extract fields into your profile, map roster spreadsheets, draft follow-up correspondence, and answer questions about your own records.

11.2 Where the data goes. Content processed this way is sent to our AI service providers for processing and is not used by us to train public models. The providers we use are listed in the Privacy Policy.

11.3 Human responsibility. Automated extraction can be wrong. Every extracted field remains subject to your review and to ours, and no application is submitted on the strength of an automated reading alone. You are responsible for confirming that the information on your applications is accurate.

12. Exclusion and sanctions screening

We screen providers and organizations against federal exclusion sources, including the OIG List of Excluded Individuals and Entities and, where configured, the SAM exclusions extract. Screening is a matching process against public data. A match is a signal requiring review, not a finding, and the absence of a match is not a warranty that no exclusion, sanction, or adverse action exists. Screening results are not a substitute for your own compliance program.

13. Acceptable use

You agree not to misuse the Site: no unauthorized access, no scraping or bulk extraction, no attempt to breach or test security without our written permission, no uploading of malware, no reverse engineering, no use of the Services to submit information you know to be false, and no use that violates applicable law. We may suspend access to protect the platform or other clients.

14. Electronic communications and signatures

14.1 Consent to electronic records. You consent to receive notices, agreements, and disclosures from us electronically, and you agree that electronic signatures and records satisfy any legal requirement that such communications be in writing.

14.2 Calls, email, and text messages. You consent to us contacting you at the phone number and email address you provide, about your account and the work you have engaged us to do, including by call and by text message. Calls to and from us may be recorded for quality and accuracy, and where recording occurs you will hear a notice at the start of the call. Message and data rates may apply. You may opt out of text messages by replying STOP, and of marketing email by using the unsubscribe link; we will still send you messages necessary to perform the Services.

15. Third-party services

The Services depend on third parties, including payers, CAQH, PECOS, state Medicaid systems, clearinghouses, our hosting provider, our email provider, our AI providers, and our payment processor. We are not responsible for their availability, their decisions, or their errors. Their handling of your information is governed by their own terms.

16. Disclaimers

THE SITE AND SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE." TO THE FULLEST EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SITE WILL BE UNINTERRUPTED OR ERROR FREE, THAT ANY APPLICATION WILL BE APPROVED, OR THAT ANY TIMELINE WILL BE MET.

17. Limitation of liability

TO THE FULLEST EXTENT PERMITTED BY LAW, NEITHER PARTY IS LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR FOR LOST PROFITS, LOST REVENUE, OR LOST BILLING OPPORTUNITY, EVEN IF ADVISED OF THE POSSIBILITY.

OUR TOTAL AGGREGATE LIABILITY ARISING OUT OF OR RELATING TO THESE TERMS OR THE SERVICES WILL NOT EXCEED THE FEES YOU PAID US IN THE TWELVE MONTHS BEFORE THE EVENT GIVING RISE TO THE CLAIM.

These limits do not apply to a party's gross negligence or willful misconduct, or to your obligation to pay fees. Some jurisdictions do not allow certain limitations, and in those places these limits apply only to the extent permitted.

18. Indemnification

You agree to indemnify and hold harmless the Company, its members, officers, and personnel from claims, damages, and reasonable costs arising out of information you provided that was false or incomplete, your breach of these Terms, your violation of law, or your instruction to submit an application you knew to be inaccurate. We agree to indemnify you against third-party claims that the platform itself infringes intellectual property rights.

19. Governing law and dispute resolution

19.1 Governing law. These Terms and any dispute arising from them are governed by the laws of the State of Florida, without regard to conflict of law principles.

19.2 Talk first. Before filing anything, the parties will attempt in good faith to resolve the dispute by discussion for thirty days after written notice.

19.3 Binding arbitration. Any dispute not resolved that way will be settled by binding arbitration administered by the American Arbitration Association under its Commercial Arbitration Rules, before a single arbitrator, seated in Miramar, Florida. The award is final and enforceable in any court of competent jurisdiction.

19.4 Class action waiver. YOU AND THE COMPANY AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN AN INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY CLASS OR REPRESENTATIVE PROCEEDING.

19.5 Exceptions. Either party may seek injunctive relief in court to protect intellectual property or confidential information, and either party may bring an individual claim in small claims court.

20. General

20.1 Force majeure. Neither party is liable for failures caused by events beyond reasonable control, including payer or government system outages.

20.2 Assignment. You may not assign these Terms without our consent. We may assign them to a successor in connection with a merger or sale of the business.

20.3 Severability and waiver. If a provision is unenforceable, the rest survives. A failure to enforce is not a waiver.

20.4 Entire agreement. These Terms, the Privacy Policy, and any signed service agreement are the entire agreement between us on this subject.

20.5 Contact. Questions about these Terms: hello@gocredentialing.com, 888-515-8060, 3350 SW 148th Avenue, Suite 110, Miramar, FL 33027.