ExploreCarePricing Terms & Conditions

Effective Date: January 1, 2026

Prepared By: Rachel Wrought, Founder & CEO

Jurisdiction: South Dakota, USA


Defined Terms: ExploreCarePricing, LLC (“ExploreCarePricing,” “we,” “us,” or “our”) operates the website located at ExploreCarePricing.com (the “Site” or “Platform”). References to “ExploreCarePricing,” “the Site,” or “the Platform” throughout these Tersn and Conditions refer collectively to ExploreCarePricing.com and all associated tools, features, content, and services provided by ExploreCarePricing, LLC.


1. Purpose

We provide healthcare cost information using publicly available price transparency datasets. We organize, clean, and translate public data into clear, easy-to-understand information to help consumers review estimated prices before seeking care.

The Site is for informational purposes only. It does not provide medical, legal, or financial advice and should not be used as a substitute for professional guidance.


2. Terms & Conditions

By accessing or using the Site, you agree to these Terms & Conditions. If you do not agree, please discontinue use of the Site.

The Platform is intended solely for informational purposes and does not replace professional medical, legal, financial, or insurance advice.


3. User Responsibilities

Users agree to:

  1. Use the platform lawfully and respectfully
  2. Avoid submitting false, misleading, discriminatory, or harmful content
  3. Not attempt to access restricted areas or disrupt site functionality
  4. Refrain from activities that interfere with system security or data integrity
  5. Report misuse or suspicious activity to support@explorecarepricing.com

ExploreCarePricing is committed to making healthcare cost information accessible to all users, regardless of background or financial status.

3.1 Regarding Advertising (AdSense Compliance)

Users must not: - Click ads with the intent to generate fraudulent revenue - Use automated tools, bots, or scripts to click ads - Incentivize others to click ads artificially - Place ads in misleading or deceptive locations - Attempt to manipulate ad delivery or performance metrics

ExploreCarePricing is committed to maintaining integrity and compliance with our advertising partners’ policies.


4. Data Accuracy & Use of Public Data

We aggregate healthcare pricing data from publicly available transparency files. We do not create or control the underlying data.

Pricing information may vary due to:

  1. Provider reporting differences
  2. Update frequency and data lag
  3. Contracted rates by insurance plan
  4. Billing practices and facility variations
  5. Data formatting inconsistencies

Users should verify pricing information directly with healthcare providers before making healthcare decisions. We welcome feedback and corrections to improve data quality.

4.1 External Links & Third-Party Ads

Our site may contain links to third-party websites and advertisements. We do not control and are not responsible for: - External site content, accuracy, or privacy practices - Third-party ad content or vendor practices - Cookies or tracking set by third-party ad networks

Clicking external links or ads does not imply endorsement of external content or practices.


5. Disclaimers

5.1 No Professional Advice

Content on the Site is informational only. It is not medical, legal, financial, or insurance advice. Always consult qualified professionals regarding medical conditions, treatment options, or healthcare costs.

Use of this website does not create a doctor-patient, counselor-patient, or any other professional relationship.

For details on how we use your data, see our Privacy Policy.

5.2 “As-Is” Service

The Site is provided on an “as is” and “as available” basis. To the maximum extent permitted by law, we disclaim all warranties, express or implied, including warranties of accuracy, completeness, or fitness for a particular purpose.

We do not guarantee that: 1. Pricing data is fully accurate or up to date 2. The site will operate without interruption or error 3. All data sources will remain available 4. Estimates reflect your final out-of-pocket costs

5.3 Limitation of Liability

To the fullest extent permitted by law, ExploreCarePricing LLC is not liable for: 1. Financial loss or billing disputes 2. Medical decisions or treatment outcomes 3. Treatment choices or complications 4. Errors or omissions in displayed data 5. Any direct, indirect, incidental, or consequential damages

Users assume full responsibility for decisions made based on the information provided.

5.4 Healthcare Data Privacy

ExploreCarePricing does not solicit or knowingly collect personal health information (PHI) through the Site’s search and browsing features. Pricing data is aggregated, de-identified, and sourced from public transparency datasets only.

We do not, through normal use of the Site: - Require user accounts or logins - Collect medical history or diagnosis information - Share user activity data with healthcare providers or insurers for medical purposes

Contact correspondence exception: If you email us directly (e.g., support@explorecarepricing.com), any information you voluntarily include in that message — including health-related details, if you choose to share them — is received and retained as correspondence, not as part of our automated data collection. See our Privacy Policy §2.4 for details. We do not request or require such information to assist you.

Regarding Cookies: We do not directly collect or store health-related data through cookies. However, our advertising partners (including Google AdSense) and analytics providers may set their own cookies as required for ad delivery, fraud prevention, and analytics, in accordance with their own privacy policies. We do not control the cookie practices of these third parties. See §10 and our Privacy Policy for full details.

5.5 Accessibility

ExploreCarePricing is designed to be accessible to people with disabilities. If you experience difficulty accessing any part of this site, contact support@explorecarepricing.com with the subject line “Accessibility Issue,” and we will work to address it.


6. Intellectual Property

All content, design elements, and data compilations on the Site are the property of ExploreCarePricing LLC or its data partners.

Users may not reproduce, distribute, or modify content without written permission, except for personal, non-commercial use.

6.1 Data Source Attribution

Public healthcare pricing data is sourced from: - Centers for Medicare & Medicaid Services (CMS) Transparency Files - State insurance commissioner databases - Hospital charge master disclosures - Federal and state healthcare agency datasets

Attribution is provided where required by data source licenses. Users may cite our compilations with attribution to ExploreCarePricing.


7. Modification of Terms

We may update these Terms at any time. Significant changes will be posted prominently on the Site and reflected in an updated Effective Date at the top of these Terms. Continued use of the platform after changes are posted constitutes your acceptance of the revised Terms. If you do not agree with any modifications, please discontinue use of the Site.

We will notify users of material changes via a prominent notice on the Site. We do not maintain user accounts or a general mailing list, so email notice is generally not available except where you have directly corresponded with us (e.g., a support inquiry).


8. Governing Law & Venue

These Terms are governed by the laws of the State of South Dakota. Any legal action related to these Terms shall be filed exclusively in the state or federal courts located in South Dakota.


9. Contact

ExploreCarePricing LLC

A for-profit healthcare transparency platform

Email: support@explorecarepricing.com

For support inquiries, feature requests, or data corrections, contact us at the email above.


10. Advertising & Third-Party Services

We use third-party advertising networks, including Google AdSense, to display relevant ads and generate revenue to support platform operations.

By using this site, you consent to:

  1. Display of ads and sponsored content throughout the platform
  2. Collection of data for ad targeting and analytics (see Privacy Policy)
  3. Use of cookies and similar technologies to personalize ads
  4. Transfer of data to ad partners as outlined in our Privacy Policy

Your Privacy & Ad Preferences: You may opt out of personalized ads through your browser settings or via Google’s Ad Settings (www.google.com/settings/ads). Note that opting out does not eliminate ads; it only reduces personalization.


11. Prohibited Activities & Data Scraping

In addition to §3 responsibilities, users must not:

  1. Use automated tools, bots, scrapers, or scripts to extract, copy, or reproduce healthcare pricing data
  2. Reverse-engineer or attempt to access our data compilation methodology
  3. Reproduce our curated datasets for commercial use without written permission
  4. Circumvent access restrictions or rate limits
  5. Use pricing data to undercut provider negotiations dishonestly
  6. Aggregate our data for competitor platforms or price comparison services

Permitted Personal Use: Individual users may screenshot or save single price comparisons for personal healthcare decisions. Bulk extraction or systematic scraping is prohibited.

Violators may face IP address blocking and legal action for damages. Since ExploreCarePricing does not require accounts or logins, enforcement is handled through technical restrictions (such as blocking access) rather than account-based penalties.


12. Indemnification

You agree to indemnify, defend, and hold harmless ExploreCarePricing LLC, its founders, employees, and partners from any claims, damages, losses, liabilities, or expenses (including legal fees) arising from:

  1. Your use of or reliance on the platform
  2. Your violation of these Terms
  3. Healthcare decisions you make based on pricing data
  4. Your submission of false or harmful content
  5. Your infringement of third-party intellectual property rights
  6. Your use of data in violation of §11

This indemnification does not apply to claims arising solely from our gross negligence or willful misconduct.


13. Service Modifications & Discontinuation

ExploreCarePricing reserves the right to:

  1. Modify, suspend, or discontinue any feature, service, or dataset
  2. Change pricing information sources or data refresh schedules
  3. Restrict access to specific features without prior notice
  4. Conduct site maintenance that may temporarily interrupt service

We will attempt to provide notice of significant changes but are not obligated to do so. Continued use after changes constitutes acceptance. We are not liable for any loss of access, data, or functionality resulting from modifications or discontinuation.


14. Severability

If any provision of these Terms is found invalid, illegal, or unenforceable by a court of competent jurisdiction, that provision shall be severed and the remaining provisions shall continue in full force and effect. If a provision cannot be modified to be valid, the remainder of these Terms shall govern to the fullest extent permitted by law.


15. Entire Agreement

These Terms & Conditions, along with our Privacy Policy and Healthcare Disclaimer, constitute the entire agreement between you and ExploreCarePricing regarding your use of the platform. These Terms supersede all prior agreements, understandings, and negotiations, whether written or oral.

If you have questions about these terms, contact support@explorecarepricing.com.


15.1 Dispute Resolution

Before filing any formal legal claim, you agree to first contact us at support@explorecarepricing.com to attempt an informal resolution. We will make good-faith efforts to resolve disputes within 30 days.

If informal resolution is unsuccessful, any legal action shall be filed exclusively in the state or federal courts located in South Dakota, as specified in §8 (Governing Law & Venue).


15.2 Survival

The following sections remain in effect even if you stop using ExploreCarePricing or if ExploreCarePricing discontinues operations:

  1. §5.3 (Limitation of Liability)
  2. §6 (Intellectual Property)
  3. §12 (Indemnification)
  4. §14 (Severability)
  5. §8 (Governing Law & Venue)

All other sections apply only while you are actively using the platform.


16. Not a Substitute for Professional Consultation

ExploreCarePricing pricing data is for informational purposes only. It is NOT: - Medical advice or diagnosis - A recommendation for specific treatment or providers - Insurance or financial advice - A guarantee of coverage, reimbursement, or final costs

16.1 You Must:

  1. Consult with licensed healthcare providers before making treatment decisions
  2. Verify pricing directly with hospitals and insurers (rates vary significantly by insurance plan)
  3. Review your insurance policy for coverage details, deductibles, and out-of-pocket limits
  4. Seek qualified financial or legal counsel for billing disputes or claims denials

16.2 Why Actual Costs Differ

Actual healthcare costs may differ significantly from estimates due to: - Individual insurance coverage variations - Billing code differences and modifier impacts - Facility-based vs. provider-based component charges - Complications or additional procedures required - In-network vs. out-of-network status - Plan-specific negotiated rates

ExploreCarePricing is not responsible for financial, medical, or legal consequences resulting from your reliance on pricing estimates or data.


© 2026 ExploreCarePricing LLC. All rights reserved.

Data sourced from public transparency datasets — prices are estimates and not used to diagnose or guarantee treatment.