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Terms of Use

Last Updated: February 20, 2026

These Terms of Use ("Terms") govern your access to and use of innetwork.credflow.ai and related websites, applications, and services (collectively, the "Service"), provided by Credflow AI, Inc. ("Credflow," "we," "us," or "our").

By accessing or using the Service, you agree to be bound by these Terms. If you do not agree, do not use the Service.

1) What the Service Does (and Does Not Do)

The Service allows you to search by provider National Provider Identifier ("NPI") and view whether the provider appears to be listed in certain payer/health plan directory sources, including via payer directory APIs and other sources aggregated in Credflow's payer data lake.

IMPORTANT: NOT A GUARANTEE OF "IN-NETWORK."

Results shown in the Service do not guarantee that a provider is "in-network," contracted, credentialed, covered, eligible for reimbursement, accepting patients, or otherwise participating in any plan. Directory data can be incomplete, inaccurate, delayed, or outdated. You must independently verify network participation and coverage directly with the payer/plan or through official channels before making decisions.

No advice. The Service is for informational purposes only and is not legal, medical, billing, reimbursement, or regulatory advice.

2) Who May Use the Service

You must be at least 18 years old (or the age of majority where you live) to use the Service.

You may use the Service as an individual and/or on behalf of an organization. If you use the Service on behalf of an entity, you represent you have authority to bind that entity to these Terms, and "you" includes both you and the entity.

3) Accounts, Sign-Up, and Usage Limits

Some features may require an account, and we may limit searches or features unless you sign up (or based on the tier of your account).

You agree to:

  • Provide accurate account information,
  • Keep your credentials secure,
  • Promptly notify us of unauthorized access,
  • Be responsible for activity under your account.

We may change search limits, feature availability, and tiers at any time.

4) Permitted Use

You may use the Service only for lawful purposes and in accordance with these Terms.

You may use the Service for internal research (including researching whether a provider(s) may participate in certain health plans), credentialing support, directory verification workflows, and similar operational uses, provided you do not violate the restrictions below.

5) Prohibited Activities (No Scraping / Automation)

You may not (and may not help others to):

  • Scrape, crawl, harvest, or bulk-extract any content, results, or data from the Service, including by bots, scripts, browser automation, headless tools, or similar automated means, except with our prior written permission.
  • Bypass or attempt to bypass rate limits, access controls, sign-up gates, or other restrictions.
  • Reverse engineer, decompile, disassemble, or attempt to derive source code, underlying methods, models, or system architecture of the Service.
  • Use the Service to build, train, or improve a competing product, dataset, or directory audit service without our prior written permission.
  • Resell, sublicense, rent, or commercially exploit the Service or outputs, except with our prior written permission.
  • Interfere with the Service's operation or security, including introducing malware or attempting unauthorized access.
  • Use the Service in a way that violates applicable law or infringes the rights of others.

6) No PHI / Sensitive Data

Do not submit protected health information ("PHI") or patient-identifying data to the Service. The Service is not designed to receive or process PHI. For that reason, please do not enter patient names, dates of birth, insurance member IDs, or other personal health information.

7) Data Sources; Third-Party Services

The Service relies on third-party sources (including payer directory APIs and other public/private sources). We do not control third-party sources and are not responsible for their availability, accuracy, completeness, or timeliness.

Third-party services used in connection with the Service may be subject to their own terms and policies.

8) Intellectual Property

The Service, including its software, design, and underlying technology, is owned by Credflow or its licensors and is protected by intellectual property laws. Except for the limited right to use the Service under these Terms, no rights are granted to you.

9) Feedback

If you provide feedback, suggestions, or ideas about the Service, you grant Credflow a non-exclusive, worldwide, perpetual, irrevocable, sublicensable license to use that feedback without compensation or obligation.

10) Privacy

Your use of the Service is subject to our Privacy Policy, which describes how we collect and use information. By using the Service, you consent to our Privacy Policy.

11) Suspension and Termination

We may suspend or terminate your access to the Service at any time if we reasonably believe you:

  • Violated these Terms,
  • Are attempting to scrape/automate/bulk extract data,
  • Create security, legal, or operational risk, or
  • Misuse the Service in a way that could mislead others.

You may stop using the Service at any time.

12) Disclaimers

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE."

TO THE MAXIMUM EXTENT PERMITTED BY LAW, CREDFLOW DISCLAIMS ALL WARRANTIES OF ANY KIND, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, AND ACCURACY.

WITHOUT LIMITING THE FOREGOING, CREDFLOW DOES NOT WARRANT THAT:

  • THE SERVICE WILL BE UNINTERRUPTED OR ERROR-FREE,
  • ANY RESULT IS ACCURATE, COMPLETE, OR CURRENT,
  • ANY PROVIDER SHOWN IS "IN-NETWORK," OR
  • THE SERVICE WILL MEET YOUR REQUIREMENTS.

13) Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, CREDFLOW WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, REVENUE, DATA, OR GOODWILL, ARISING OUT OF OR RELATED TO YOUR USE OF THE SERVICE.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, CREDFLOW'S TOTAL LIABILITY FOR ALL CLAIMS ARISING OUT OF OR RELATED TO THE SERVICE WILL NOT EXCEED $100 (OR THE AMOUNT YOU PAID CREDFLOW FOR THE SERVICE IN THE 12 MONTHS BEFORE THE EVENT GIVING RISE TO THE CLAIM, IF GREATER).

14) Indemnification

You agree to defend, indemnify, and hold harmless Credflow and its affiliates, officers, directors, employees, and agents from and against any claims, damages, liabilities, and expenses (including reasonable attorneys' fees) arising from or related to:

  • Your misuse of the Service,
  • Your violation of these Terms, or
  • Your violation of law or third-party rights.

15) Governing Law and Venue

These Terms are governed by the laws of the State of Tennessee, without regard to conflict of laws principles. You agree that any dispute arising out of or related to these Terms or the Service will be brought in the state or federal courts located in Tennessee, and you consent to personal jurisdiction in those courts.

16) Changes to These Terms

We may update these Terms from time to time. We will post the updated Terms and revise the "Last Updated" date. Continued use after changes means you accept the updated Terms.

17) Contact

Credflow AI, Inc.
Nashville, Tennessee, USA
Email: support@credflow.ai