1. Your agreement
These terms govern GoldRock Health, operated by Eldest AI LLC dba GoldRock AI, 1035 Pearl St, Suite 205, Boulder, CO 80302, United States. They apply when you accept them during registration or purchase or otherwise agree to use the service. An employer order or other separately signed agreement controls any conflicting commercial term for that organization. Contact ryan@moonshineai.com about the service or these terms.
2. What the service does
GoldRock provides document-reading tools, researched information, bill calculations, suggested questions, draft letters, case organization and optional on-device generated assistance. You decide what information is correct and which actions to take. We do not provide medical diagnosis, legal representation, insurance coverage decisions, debt settlement or human negotiation. We do not send an appeal, negotiate a bill or verify receipt merely because a draft is created.
3. Review your facts and next steps
Compare extracted facts and generated wording against your original documents. An EOB is an Explanation of Benefits, not a bill. Verify deadlines, recipients, coverage terms, legal rights and account balances with the applicable notice, provider or plan. Do not let use of GoldRock delay urgent medical care, a required payment decision or a time-sensitive appeal. No result, bill reduction, recovery amount or employer return is guaranteed.
4. Accounts and membership
You must be at least 18 and provide accurate account information. Use your own account and protect your sign-in and local-vault passphrase. Private tools require a verified registered account and an active paid or sponsored entitlement. A Google, Apple or email sign-in establishes identity; an employer benefit separately requires verified eligibility and available paid capacity. Local processing does not bypass membership checks. Access checks require a connection even when document processing happens locally.
5. Family membership
Where offered and activated, a family subscription covers its organizer and direct family members, up to ten people in total. Each adult uses a separate verified account. Invitations, membership or payment do not give the organizer or another family member access to private cases. An invitation alone does not activate a subscription. The organizer manages payment and membership; ending or losing the paid plan can end sponsored access. Do not share one account or resell invitations.
6. Prices, renewals and cancellation
Only purchase options actually available at checkout can be bought. The current listed plans are $8 USD per eligible employee per month for an employer benefit, $20 USD per month for an individual, $200 USD per year for an individual, and $20 USD per month for a family plan where available. The checkout or signed order specifies the purchased plan, billing period, quantity, applicable taxes and renewal terms before confirmation. Subscriptions renew at the disclosed interval until canceled. Cancel through the displayed billing-management control or the applicable App Store subscription settings. Cancellation normally stops the next renewal; the confirmed paid-through period determines remaining access, subject to refunds, reversals or other entitlement changes.
7. Refunds and billing questions
Contact ryan@moonshineai.com promptly about an incorrect GoldRock charge. Refund eligibility and mandatory consumer rights depend on the purchase, applicable law and payment platform. We do not promise a refund for medical bills paid to someone else. Apple purchases are managed through Apple, including its refund process. Account deletion and subscription cancellation are distinct: check the confirmation from the payment provider. We will not limit a non-waivable refund or cancellation right.
8. Your content and privacy
You retain your rights to your documents, notes and drafts. Provide only content you have authority to use. The standard medical-case workflow processes documents locally; optional protected saving keeps selected records encrypted on that device. Authentication, benefit and billing records use separate server services. Detection and masking can miss identifying details; we do not guarantee anonymity or PII-free exports. Read the Privacy notice and Data & saving explanation. Deliberate exports, original files, recipient copies and operating-system backups are outside the workspace copy.
9. Device requirements and local saving
Local models may require a supported device, a large download and free storage. Model files and runtime assets are separate from medical documents. Supported features and performance vary. A temporary workspace can be lost on reload or close. A saved local vault is specific to its device and browser origin; signing in does not automatically synchronize cases. We cannot recover an unknown local-vault passphrase. Keep a deliberate protected copy or export of anything you need.
10. Responsible use
Do not submit false claims, impersonate someone, access another account, misuse employer eligibility, scrape private information, attack the service, reverse engineer access controls or use GoldRock to deceive a provider, payer or government body. You may use your own drafts for legitimate self-advocacy. Public references, provider links and model licenses have their own terms; linking to a portal does not establish an insurer integration.
11. Availability and changes
We may update the service, correct errors or restrict access to address fraud, security or a material violation of these terms. Where practicable we provide notice and an opportunity to resolve account issues. Material pricing or subscription changes will be disclosed before they apply as required by law; a revised web page is not by itself authorization to charge a new amount. Features described as unavailable or pending are not part of a completed purchase unless expressly included in the order.
12. Your rights and service limitations
GoldRock is provided subject to the limitations described above. Software, source references and generated outputs can contain errors or become outdated. Nothing in these terms excludes rights, remedies or liability that applicable law does not allow us to exclude. We do not require mandatory arbitration or waive class-action rights in these terms. Additional business commitments must be included in a signed agreement.
13. Apple platform terms
For an app obtained through Apple, these terms are between you and GoldRock, not Apple. Apple has no obligation to provide GoldRock maintenance or support and is not responsible for GoldRock content or third-party claims. To the extent required by Apple’s applicable terms, Apple may address a qualifying app warranty claim, and Apple and its subsidiaries are third-party beneficiaries entitled to enforce the applicable app-license terms. Your license is limited to using the app on Apple products you own or control under Apple’s usage rules. Direct support and intellectual-property questions to GoldRock at the contact above.