Terms

Effective October 24, 2026. These terms cover the Parent Binder, client binders for professionals, and the optional monthly updates ("the service"). "We" means Starry Night, a sole proprietorship run by Nick, 201 N MacArthur Dr, West Lafayette, IN 47906. "You" means the person who orders.

1. What the service is

You send us copies of documents about a person you help care for, usually a parent: medical records, medication lists, Medicare or insurance statements and bills. We organize them into a binder in which every item cites the page it came from. We also point out where documents disagree, work out deadlines from published rules, and draft a letter to a billing office for you to review when a bill looks wrong.

2. What it isn't

• It is not medical, legal, financial or insurance advice, and it doesn't replace a doctor, pharmacist, lawyer or other professional. When documents disagree we show you both versions and suggest whom to ask; we don't say which one is right.
• We don't contact providers, plans, Medicare or anyone else, we don't send or file anything, and we don't act as anyone's representative. A draft letter is a draft: you decide whether to use it, edit it, and send it yourself. For a denied Medicare claim we list the facts the official appeal form asks for and link to the form; we don't fill in or file it.
• We don't recommend or compare Medicare or insurance plans.
• We're not affiliated with or endorsed by Medicare, CMS, HHS or any health plan or health system.

3. Accuracy

The binder is prepared with AI and checked by software and a person before delivery. Documents can be incomplete, hard to read or wrong, and we can make mistakes. That's why every item cites its page: please check anything important against the page before relying on it. Deadlines are worked out from the date on the notice and the rule we cite; if the notice prints its own deadline, the notice controls.

4. Your part

• You may only send records you have the right to share. Before we start, we need the written OK of the person the records are about, or your confirmation that you are their health care power of attorney, guardian or other legal representative, with a copy of the document.
• Tell us who in the family should get the binder. We send it only to the people you list.
• Don't send passwords or login details for portals or accounts. We will never ask for them.

5. Price, payment and refunds

• Prices are shown on the order page when you order. Payment is handled by Stripe; we never see your full card number.
• If we can't make the binder (for example the files are unreadable, or the permission above isn't in place), we refund you in full.
• If the binder doesn't help, tell us within 14 days of delivery and we refund you in full. No forms.
• Monthly updates, if you choose them, renew each month until you cancel. Cancel any time by email; you won't be charged again.

6. Timing

We aim to deliver within 2 business days of having both your files and the permission in section 4. If a pile is large or unclear we'll tell you the new date before it passes.

7. Your information

Our Consumer Health Data Privacy Policy explains what we collect, why, who helps us process it, how long we keep it, and how you or your parent can see or delete it. It is part of these terms.

8. Limits

To the extent the law allows, our total responsibility for any claim about the service is limited to the amount you paid for it, and we aren't responsible for decisions made using the binder. Nothing here limits rights you have under consumer protection law that can't be waived.

9. Changes and contact

If we change these terms we'll post the new version here with a new date; the version in effect when you order applies to that order. Indiana law governs these terms. Questions: nick@starrynightops.com.