Terms of Service

Last updated July 2026

Please read these Terms of Service (“Terms”) carefully. They are a binding agreement between you and Understand My Policy, Inc. (doing business as NoticeOfChange, “we,” “us,” or “our”) governing your access to and use of noticeofchange.com and any related services (the “Service”).

By using the Service, you agree to these Terms. If you do not agree, do not use the Service.

1. What NoticeOfChange is, and what it is not

NoticeOfChange is an educational document-reading tool. You upload an official notice, such as a Medicare Annual Notice of Change, an insurance policy change notice, a lease amendment, or a service update, and the Service explains, in plain language, exactly what is changing compared to your previous terms, citing back to the source document.

The Service is not advice.

NoticeOfChange does not provide legal, financial, insurance, or medical advice.
We do not evaluate whether a change is fair, legally compliant, or in your best interest.
NoticeOfChange is not a substitute for a licensed attorney, insurance agent or broker, public adjuster, financial professional, or your plan.

We are neutral, and we are not affiliated with the government or any plan. NoticeOfChange is not affiliated with, endorsed by, or connected to Medicare, the Centers for Medicare & Medicaid Services (CMS), the Social Security Administration, or any government agency. We are not an insurance agent, broker, or advisor. We do not sell insurance or benefit plans, we do not earn commissions or referral fees from any plan or agent, and we do not recommend, rank, or compare plans. When you want to compare or change a plan, the official place to do that is Medicare’s own Plan Finder at Medicare.gov or 1-800-MEDICARE; we only point you there. Program names and trademarks belong to their owners and are used only to identify the notices we explain.

What the Service does: it reads the change notice you provide and tells you what it says. Any decision you make based on those changes, such as changing a plan, canceling a policy, moving, or disputing a change, is made at your own discretion and risk.

2. The Service reads your documents, and only your documents

NoticeOfChange answers only from the documents you upload. If your plan, insurer, landlord, or vendor omitted details from their notice, or if you provide an incomplete document, the explanation you receive may be incomplete. The actual document issued by the third party always governs, not our explanation of it.

3. AI-generated output and its limits

The Service uses artificial intelligence to read documents and generate plain-language summaries of the changes, and every figure is checked against the source document. AI systems can still make mistakes and miss nuance. You should treat every output as a starting point, not as a final or authoritative determination. Always verify anything important against the actual language of your notice and with the plan or a licensed professional.

4. Eligibility and your account

You must be at least 18 years old and able to form a binding contract. You are responsible for keeping your account credentials secure and for all activity under your account. Where your documents include information about another person, such as a parent or family member whose notice you are reviewing, you represent that you have the right and permission to upload them.

5. Your documents and content

You keep all ownership of the documents you upload (“Your Content”). You grant us a limited license to store and process Your Content solely to provide the Service to you. You agree not to upload documents you do not have the right to share, unlawful content, or correspondence protected by attorney-client privilege. We will never ask for the login credentials to any government, plan, or insurer portal.

6. Acceptable use

You agree not to:

use the Service to provide legal, insurance, or professional advice to others;
attempt to circumvent or probe the Service’s guardrails or security;
scrape data, reverse-engineer, or use the Service to build a competing product;
resell the Service to third parties without an applicable plan.

7. Purchases and billing

We offer free tools and paid features. Current tiers, features, and prices are shown on the site. Payments are processed by Stripe. Subscriptions renew automatically at the then-current price until you cancel; cancellation takes effect at the end of the current billing period, and you keep access until then. Purchases are non-refundable except where required by law. If something goes wrong with a purchase, contact us at support@noticeofchange.com and we will work with you in good faith.

8. Disclaimers

THE SERVICE IS PROVIDED “AS IS” WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED. WE DO NOT WARRANT THAT ANY EXPLANATION OF A NOTICE IS ACCURATE, COMPLETE, OR SUITABLE FOR ANY DECISION. The plan’s own documents and the issuer’s current terms control over anything the Service tells you.

9. Limitation of liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE WILL NOT BE LIABLE FOR ANY INDIRECT, CONSEQUENTIAL, OR PUNITIVE DAMAGES. OUR TOTAL LIABILITY WILL NOT EXCEED THE GREATER OF (A) THE AMOUNT YOU PAID US IN THE TWELVE MONTHS BEFORE THE CLAIM, OR (B) ONE HUNDRED U.S. DOLLARS ($100).

10. Governing law and disputes

These Terms are governed by the laws of the State of Florida. You agree that the state and federal courts located in Palm Beach County, Florida have exclusive jurisdiction over any dispute.

11. Contact

NoticeOfChange is an educational document-reading tool. We are not affiliated with Medicare or CMS, not an insurance agent or advisor, and we do not sell plans or earn commissions. We explain and track; you decide.