Terms of Service

By using Parity, you agree to these terms. If you do not agree, please do not use the service.

California's mental health parity laws give you the right to file a grievance, but they do not guarantee that your insurer will reverse its decision. Parity makes no representation about the likelihood of success of any filing generated by the service. Outcomes depend on the facts of your case, the documentation you provide, and decisions made by your insurer and California regulators.

Parity is a document-preparation tool, not an emergency service, and it is not equipped to help in a crisis. If you or someone you're helping is in immediate danger, call 911. If you're in emotional distress or crisis, call or text 988 to reach the Suicide & Crisis Lifeline, any time, free.

You must be at least 18 years old to use Parity on your own behalf. If you are using Parity for a minor, you must be that minor's parent or legal guardian, filing on their behalf with proper authority to do so.

By using Parity, you agree that you are responsible for:

• Providing accurate information when answering Path Finder questions.
• Reviewing the generated draft for accuracy before signing or sending it. AI drafts may contain errors; no-AI fill-ins use only your supplied facts and mark missing details. You are responsible for confirming the facts are correct.
• Verifying the routing address against your denial letter.
• Mailing or transmitting the letter to your insurer once you've signed it. Parity does not file on your behalf.
• Keeping copies of everything you send and receive.
• Meeting any filing deadlines that apply to your case.

A packet includes a content-minimized recovery case page, and any Parity user can create the same kind of case page free, reachable through a unique private link. It tracks an event-based timeline. Exact dates appear only when you provide the event that starts the relevant clock. Reminders are a convenience, not a legal safeguard — meeting your deadlines is ultimately your responsibility.

We may also email you a short, optional check-in asking how your case turned out (approved, denied, or still waiting). Answering is entirely up to you and never affects your access to anything in your packet. If you choose to share a testimonial, we only use it with your explicit opt-in.

You agree not to:

• Use Parity to draft submissions on behalf of someone who has not authorized you to do so.
• Submit knowingly false information through the Path Finder.
• Attempt to interfere with, scrape, or reverse-engineer the service.
• Resell or rebrand Parity-generated drafts as your own product.

Parity is provided “as is.” To the maximum extent permitted by law, Parity is not liable for any indirect, incidental, or consequential damages arising from your use of the service. Parity's aggregate liability for any direct damages is limited to the amount you paid for the service in the 12 months preceding the claim.

These terms are governed by the laws of the State of California. Any dispute arising out of or relating to these terms or your use of Parity will be resolved in the state or federal courts located in California.

Before anything formal: email support@parity.care and give us 30 days to make it right. Nothing in these terms limits your right to bring a claim in small claims court, or to complain to any regulator.

We may update these terms from time to time. Continued use of Parity after changes are posted constitutes acceptance of the updated terms.

Parity is built and run by one person — a founder who fought these denials herself, covering the real costs of running it. Email will always reach a human. Questions about these terms can go to hello@parity.care.