TERMS OF SERVICE

Effective Date: June 1, 2026 | Website: navirabilling.com

These Terms of Service (“Terms”) govern access to and use of navirabilling.com (the “Site”) only. They describe the rules for browsing the Site, submitting inquiries, and using any account or client portal hosted on the Site. They do not, by themselves, engage Navira to perform medical billing or revenue-cycle services for you.

Services are engaged separately. If you become a client of Navira, the actual scope of Services, fees, payment terms, and deliverables will be set out in a separate written Service Agreement (and, where Protected Health Information is involved, a Business Associate Agreement) signed by both parties. That signed agreement governs your engagement with Navira; these Terms govern your use of the Site itself. If the two conflict regarding the Services, the signed Service Agreement controls.

1. Acceptance of Terms

By using the Site, you represent that you have the authority to bind the healthcare practice, provider, or organization on whose behalf you are acting (if any), and that you have read, understood, and agree to these Terms and our Privacy Policy, which is incorporated by reference.

2. Description of the Site

The Site provides information about Navira’s medical billing and revenue-cycle services, which may include claims submission, coding support, eligibility verification, payment posting, denial management, patient statement processing, and reporting, and may allow prospective and existing clients to submit inquiries or access a client portal. The Site itself does not constitute an engagement for Services; engagement occurs only through a signed Service Agreement as described above.

3. Eligibility and Accounts

• Services are intended for licensed healthcare providers, practices, and their authorized administrative staff, not for individual patients.
• You must provide accurate, current information when registering for an account or engaging our Services, and promptly update it as needed.
• You are responsible for safeguarding any login credentials and for all activity that occurs under your account.

4. If You Are a Client

If you have signed a Service Agreement with Navira and use the Site’s client portal (if offered) in connection with that engagement, you agree to:

• Use the portal only to submit, review, or exchange information related to your engagement with Navira.
• Keep any login credentials confidential and notify Navira promptly of any suspected unauthorized access.
• Ensure that information you submit through the Site is accurate and that you are authorized to submit it.

Your substantive obligations as a client (e.g., documentation, credentialing, timelines, and cooperation needed to perform billing services) are set out in your signed Service Agreement, not in these Terms.

5. Fees and Payment

The Site does not itself establish any fees or payment obligations. If you engage Navira as a client, all fees, invoicing schedule, payment terms, late payment consequences, and any setup or termination fees will be governed exclusively by the written Service Agreement signed between you and Navira. Nothing on the Site should be read as an offer of specific pricing, and no payment obligation arises from merely using the Site.

6. No Medical or Legal Advice

Navira provides administrative billing and coding support. Nothing on the Site or in our Services constitutes medical advice, legal advice, or a guarantee of claim reimbursement, payer approval, or specific financial outcomes. Clinical and coding decisions remain the responsibility of the Client’s licensed providers.

7. Confidentiality and HIPAA

To the extent Navira creates, receives, maintains, or transmits Protected Health Information (“PHI”) on a Client’s behalf, the parties will execute a Business Associate Agreement (“BAA”) governing the use, disclosure, and safeguarding of that PHI in accordance with HIPAA. In the event of a conflict between these Terms and an executed BAA regarding PHI, the BAA controls. Each party will maintain the confidentiality of the other’s proprietary and confidential information using at least a reasonable standard of care.

8. Intellectual Property

The Site, and all software, text, graphics, logos, and other content made available by Navira (excluding Client data), are owned by Navira or its licensors and are protected by intellectual property laws. Navira grants Client a limited, non-exclusive, non-transferable license to access and use the Site and any client portal solely to receive the Services. You may not copy, modify, reverse-engineer, or create derivative works from the Site except as expressly permitted.

9. Prohibited Uses

• Using the Site for any unlawful purpose, including submitting fraudulent information.
• Attempting to gain unauthorized access to Navira’s systems, other clients’ data, or PHI you are not authorized to access.
• Interfering with or disrupting the Site’s operation, including through malware or excessive automated requests.
• Misrepresenting your identity or authority to act on behalf of a healthcare practice.

10. Disclaimers

THE SITE IS PROVIDED “AS IS” AND “AS AVAILABLE.” TO THE FULLEST EXTENT PERMITTED BY LAW, NAVIRA DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT, WITH RESPECT TO THE SITE. NAVIRA DOES NOT GUARANTEE THAT THE SITE WILL BE UNINTERRUPTED OR ERROR-FREE. Any warranties or disclaimers relating to the performance of billing Services (e.g., claim approval or reimbursement outcomes) are addressed in the applicable signed Service Agreement, not by these Terms.

11. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW, NAVIRA’S TOTAL LIABILITY ARISING OUT OF OR RELATED TO YOUR USE OF THE SITE WILL NOT EXCEED [US $100 / a nominal amount, since no fees are paid for Site use itself]. NAVIRA WILL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM USE OF THE SITE, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. Liability arising from Services performed under a signed Service Agreement is governed exclusively by the limitation of liability provision in that Agreement, not by this section.

12. Indemnification

You agree to indemnify, defend, and hold harmless Navira from third-party claims, damages, and expenses (including reasonable attorneys’ fees) arising from your misuse of the Site or violation of these Terms. Indemnification obligations relating to Services performed under a signed Service Agreement are governed by that Agreement.

13. Term and Termination

• These Terms remain in effect for as long as you access or use the Site.
• Navira may suspend or terminate your access to the Site (including any client portal) for breach of these Terms or suspected unlawful activity.
• Termination of a service engagement, and any related return or destruction of PHI and client data, is governed by the applicable Service Agreement and BAA, not by these Terms.

14. Dispute Resolution and Governing Law

14.1 Governing Law

These Terms, and any Dispute (as defined below) arising out of or relating to these Terms or your use of the Site, are governed by the laws of the State of Utah, without regard to its conflict-of-laws principles.

14.2 Agreement to Arbitrate

You and Navira agree that any dispute, claim, or controversy arising out of or relating to these Terms, the Site, or the relationship between you and Navira with respect to the Site (a “Dispute”) will be resolved exclusively by final and binding arbitration, rather than in court, except that either party may bring an individual claim in small claims court as described in Section 14.6, or seek the equitable relief described in Section 14.6.

14.3 Arbitration Procedures

The arbitration will be administered by the American Arbitration Association (“AAA”) under its Commercial Arbitration Rules then in effect, by a single arbitrator. Unless you and Navira agree otherwise, the arbitration will be conducted, at the arbitrator’s discretion, by videoconference/teleconference or in person in Salt Lake County, Utah. The arbitrator’s decision will be final and binding, and judgment on the award may be entered in any court of competent jurisdiction. This arbitration agreement is governed by the Utah Uniform Arbitration Act, Utah Code Ann. § 78B-11-101 et seq., and, to the extent applicable, the Federal Arbitration Act.

14.4 Class Action and Jury Trial Waiver

YOU AND NAVIRA EACH WAIVE ANY RIGHT TO A JURY TRIAL AND AGREE THAT ANY ARBITRATION OR PERMITTED COURT PROCEEDING WILL BE CONDUCTED ONLY ON AN INDIVIDUAL BASIS AND NOT AS A CLASS, COLLECTIVE, CONSOLIDATED, OR REPRESENTATIVE ACTION. The arbitrator has no authority to combine more than one person’s claims, or to preside over any form of a class, collective, or representative proceeding. If this class action waiver is found unenforceable as to a particular Dispute, then only that Dispute will be severed from arbitration and may proceed in a court of competent jurisdiction in Salt Lake County, Utah, while the remainder of this Section 14 remains in effect for all other Disputes.

14.5 Costs and Fees

Payment of filing, administrative, and arbitrator fees will be governed by the AAA’s rules. 

14.6 Exceptions to Arbitration

Notwithstanding Section 14.2, either party may: (a) bring an individual action in small claims court for Disputes within that court’s jurisdiction; and (b) seek injunctive or other equitable relief in the state or federal courts located in Salt Lake County, Utah, to prevent actual or threatened infringement, misappropriation, or violation of a party’s intellectual property, confidentiality, or PHI-handling obligations.

14.7 Opt-Out Right

You may opt out of this Section 14 by sending written notice to [legal@navirabilling.com] within thirty (30) days of first becoming subject to these Terms, stating your name and a clear statement that you wish to opt out of arbitration. If you opt out, all other provisions of these Terms will continue to apply, and any Dispute will be resolved in the state or federal courts located in Salt Lake County, Utah, which the parties consent to as exclusive venue.

14.8 Venue for Non-Arbitrable Matters

For any Dispute or portion of a Dispute that is not subject to arbitration under this Section 14, the parties consent to the exclusive jurisdiction and venue of the state and federal courts located in Salt Lake County, Utah.

15. Changes to These Terms

We may update these Terms from time to time. Material changes will be communicated to active Clients as required by the applicable Service Agreement. Continued use of the Site or Services after changes take effect constitutes acceptance of the revised Terms.

16. Miscellaneous

• Entire Agreement: These Terms, together with any Service Agreement, BAA, and Privacy Policy, constitute the entire agreement between the parties regarding the Services.
• Severability: If any provision is found unenforceable, the remaining provisions remain in full effect.
• Assignment: Neither party may assign these Terms without the other’s written consent, except in connection with a merger or sale of substantially all assets.
• No Waiver: Failure to enforce any provision is not a waiver of the right to do so later.

17. Contact Us

Navira Medical Billing
2544 S W Temple St, Salt Lake City, UT 84115
Email: [support@navirabilling.com] | Phone: 801-513-1368